Asia United Bank (AUB) and its subsidiaries delivered another year of record performance in 2025, posting double‑digit profit growth driven by a more robust commercial lending portfolio, disciplined risk management, and sustained operational efficiency.
AUB’s unaudited consolidated net income rose 12% to ₱12.7 billion, up from ₱11.4 billion in 2024, reflecting the bank’s continued success in expanding its lending activities while maintaining a clean and well‑capitalized balance sheet.
The bank sustained industry‑leading profitability with a 20% return on equity (ROE) and 3.1% return on assets (ROA). Total operating income increased 9% to ₱23.2 billion, supported by a 13% expansion in the total loan portfolio, which reached ₱276 billion in 2025. The resurgence of business confidence to pre‑pandemic levels fueled higher loan availments, driving net interest income up 10% to ₱18.4 billion.
Low‑cost CASA deposits grew 25% to ₱279 billion, helping cushion the bank from elevated funding costs and keeping its net interest margin steady at 4.8%. CASA accounted for 71% of total deposits, which rose 12% year‑on‑year to ₱349 billion.
AUB’s other income increased 8% to ₱4.8 billion, driven by higher fee‑based revenues from AUB PayMate, HelloMoney, remittances, trust operations, and credit card services. Credit quality remained exceptionally strong, with a 0.38% nonperforming loan (NPL) ratio and 115% NPL coverage, underscoring the bank’s disciplined underwriting and high‑quality asset base.
Total assets climbed 13% to ₱435 billion, while capital ratios remained robust with CET1 at 18.4% and Total CAR at 19.1%, well above regulatory requirements.
“Even as we continue to post record growth, we remain cautiously optimistic as the banking industry faces more intense competition from fintechs, rapid AI adoption, and increasingly complex cyber threats,” said Manuel A. Gomez, President of AUB. “Despite these challenges, growth opportunities abound—particularly in digital partnerships. Through innovations like HelloMoney, we are revolutionizing cross‑border digital payment solutions and ensuring we stay ahead of the curve.”
AUB continued to expand the global acceptance of its e‑wallet HelloMoney, which is now usable in mainland China and nearly 60 other countries. More than six million HelloMoney users can make seamless QR‑based payments abroad through Alipay+‑supported merchants.
