Asia United Bank Delivers Record ₱12.7 Billion Profit in 2025 on Strong Lending and Digital Growth
Asia United Bank (AUB) and its subsidiaries posted a record ₱12.7 billion in unaudited consolidated net income for 2025, marking a 12% increase from ₱11.4 billion in 2024, as the bank capitalized on stronger commercial lending activity and sustained operational efficiency.
The double-digit earnings growth was fueled primarily by the expansion of AUB’s commercial loan portfolio, reflecting renewed business confidence and heightened credit demand as economic conditions normalized. The bank’s total loan book grew 13% year-on-year to ₱276 billion, driving net interest income up 10% to ₱18.4 billion.
Total operating income rose 9% to ₱23.2 billion, supported by both lending growth and higher non-interest revenues. The bank’s other income climbed 8% to ₱4.8 billion, led by fee-based contributions from digital and transactional platforms, including AUB PayMate, remittance services, trust operations, credit cards, and its e-wallet brand HelloMoney.
AUB maintained strong profitability metrics, with return on equity (ROE) steady at 20% and return on assets (ROA) at 3.1%, underscoring efficient capital deployment and disciplined balance sheet management. Net interest margin held firm at 4.8%, supported by a 25% increase in low-cost current and savings account (CASA) deposits, which reached ₱279 billion and accounted for 71% of total deposits. Overall deposits grew 12% to ₱349 billion.
Asset quality remained robust, with the bank reporting a low nonperforming loan (NPL) ratio of 0.38% and an NPL coverage ratio of 115%. These indicators highlight conservative underwriting standards and a resilient loan portfolio, positioning the bank to manage potential volatility as provisioning requirements normalize.
Total assets expanded 13% to ₱435 billion, while capital buffers remained strong. Common Equity Tier 1 (CET1) stood at 18.4% and total capital adequacy ratio (CAR) at 19.1%, well above regulatory thresholds.
AUB President Manuel A. Gomez said the bank remains cautiously optimistic despite intensifying competition from fintech players, rapid AI adoption, rising cybersecurity risks, and broader geopolitical uncertainties. He emphasized that digital partnerships represent a key growth lever, particularly in enhancing cross-border payment capabilities through HelloMoney.
In 2025, AUB broadened HelloMoney’s global acceptance network to include mainland China and nearly 60 other countries. The expansion allows more than six million users to make seamless QR-enabled payments through Alipay+ when traveling overseas, strengthening the bank’s position in digital financial services and cross-border remittances.
With solid capital levels, expanding digital reach, and a strengthened lending franchise, AUB enters 2026 positioned to sustain growth while navigating an increasingly competitive banking landscape.