The Chamber of Thrift Banks (CTB) said Monday that the Philippine thrift banking industry achieved robust growth in 2025, marking continued stability and contribution to national economic development.
According to CTB president Jaime Valentin Araneta, the sector posted double-digit increases across key financial indicators. Total assets rose by 25 percent to ₱1.38 trillion, while core lending expanded by 26 percent to ₱977.32 billion. Deposit liabilities grew by 26 percent to ₱1.03 trillion, reflecting sustained public trust, and total capital increased by 21 percent to ₱209.63 billion.
The industry maintained strong financial health with a capital adequacy ratio of 17.17 percent – well above regulatory requirements – and a non-performing loan ratio of 6 percent, demonstrating effective risk management practices.
Leaders attribute this performance to the sector’s hybrid business model that combines traditional relationship banking with digital innovation. The CTB emphasized that digital transformation is now a strategic necessity, with artificial intelligence and technology expected to drive further improvements in credit access, security, operational efficiency and customer experience.
Looking ahead, the CTB will gather industry stakeholders for its Annual Convention on July 15, 2026 at Dusit Thani Manila. Held as part of the chamber’s 52nd anniversary celebrations, the event will focus on navigating the intersection of traditional banking, digital tools and artificial intelligence to sustain inclusive growth.
