Asia United Bank (AUB) reported a net income of P9.4 billion in the first nine months of 2025, up by 9 percent from P8.6 billion in the same period last year. The growth was attributed to higher revenues and improved operational efficiency.
The bank’s performance resulted in a 3.2-percent return on assets (ROA) and a 20.4-percent return on equity (ROE), the bank said in a disclosure to the Philippine Stock Exchange.
AUB president Manuel Gomez noted that sustaining profitability was a significant achievement given the heightened domestic and global risks, adding that the bank managed to post double-digit growth rates in its core businesses.
Total operating income for the bank increased 10 percent to P17.2 billion from P15.6 billion a year ago. Net interest income grew 8 percent to P13.5 billion, with a net interest margin ratio of 5 percent.
Non-interest income rose 18 percent to P3.7 billion, driven by stronger trading and foreign exchange gains, as well as higher fee-based revenues from credit cards and AUB PayMate.
Operating expenses also climbed 10 percent to P5.5 billion due to higher compensation, capital expenditures and growth-related costs. The bank increased its loan loss provision by 141 percent to support its expanding loan portfolio.
Despite the rise in provision, asset quality saw an improvement, with the non-performing loan ratio falling to 0.36 percent from 0.53 percent a year ago.
AUB’s total loan portfolio grew 29 percent year-on-year to P256.9 billion, and total deposits rose 19 percent to P336.2 billion.
Total assets reached P417.1 billion, up 19 percent year-on-year, and total equity climbed 16 percent to P65.7 billion, led by retained earnings.
Gomez said the bank is focused on growth opportunities in digital partnerships to offer digital payment solutions such as AUB PayMate and revolutionize cross-border digital payments through its HelloMoney e-wallet.
