UNO Digital Bank is aiming to break even within the first half of 2026, coinciding with its fourth year of operations in the Philippine market, according to the bank’s president and chief executive.
The digital bank is striving to achieve profitability faster than the global benchmark for digital banks.
“If you see globally, it takes a digital bank around seven years to earn, that’s the global benchmark,” said UNO Digital Bank president and chief executive Manish Bai.
“We wanted to do it in four years for a standalone bank. We will be in our fourth year next year. Our target is to hit operating break-even within the first half, and then hit full break-even within the year. And right now, we seem to be on track to that target,” Bai said.
Since last year, UNO Digital Bank has disbursed over P8 billion in total loans. As of September 2025, its year-to-date outstanding loan book amounted to P3.3 billion.
The bank reported that one out of five of its more than four million customers identified themselves as first-time formal borrowers. This translates to about 15 percent of UNO’s borrowers taking out their first-ever formal loan, with a total loan amount of more than P5 billion already credited.
