CBS booked a net income of P1.19 billion in the first half of 2026, sustaining its earnings from the same period last year amid ongoing global geopolitical uncertainties and a challenging economic environment. The Bank’s resilient performance was supported by the continued expansion of its core lending business, which drove revenue growth during the period.
Net interest income increased by about 16% year-on-year (YoY) to P5.49 billion, driven by sustained growth in the Bank’s lending portfolio, particularly its salary loan and business loan segments.
Total assets stood at P225.58 billion, supported by a growing customer base of more than 1.2 million. Gross loans (excluding interbank loans) grew by about 8% YoY to P158.80 billion, while deposits increased by 10% YoY to P199.42 billion, strengthening the Bank’s liquidity position and providing a stable funding base for continued lending growth.
Asset quality remained sound, with a non-performing loan (NPL) ratio of approximately 2.90%. The Bank has almost doubled its loan-loss reserves to cover NPLs, reflecting its prudent credit risk management and conservative provisioning policy during challenging conditions.
CBS President James Christian T. Dee says the Bank’s asset quality has proven resilient even in the face of accelerating uncertainty. “Our disciplined approach to lending has kept our portfolio sound and strong amid prevailing global geopolitical uncertainties and their impact on Philippine economic growth, inflation, and other factors. We will continue to grow our lending business in a prudential manner.”
CBS continued to expand its nationwide presence and enhance customer accessibility through its growing network of 190 branches, 33 APD Lending Centers, and 65 Branch Lite Units (BLUs). During the first half of 2026, the Bank opened five new branches and converted 10 BLUs into full-service branches, further strengthening its physical presence in key markets. Supported by a workforce of more than 3,000 employees, CBS remains focused on expanding customer reach while continuing to enhance its digital banking capabilities.
CBS Senior Vice President and Retail Banking Group Head Jan Nikolai M. Lim continues to lead branch expansion nationwide. “There are still unbanked communities all around the Philippines. The current challenging conditions are tough, but we know from experience that Filipinos are tougher. Consumers and entrepreneurs alike need banking services to support their families and their businesses, and we want to be there for them. Our expansion plans will continue.”
Looking ahead, CBS remains focused on expanding its higher-yielding loan portfolio, maintaining strong asset quality, growing its current and savings account (CASA) deposit base, deepening customer relationships, and improving operational efficiency through continued investments in its branch network and digital platforms.
CBS remains the second largest thrift bank in the Philippines in terms of assets.
