Announcements

• BRANCH ADVISORY
  49th ASEAN Summit Branch Banking Schedule - November 16-18, 2026
  Please be advised that in observance of the 49th ASEAN Summit in the National Capital Region (NCR) from November 16 to 18, 2026 (Monday to Wednesday), select branches will remain open from 9:00 AM to 3:00 PM to serve your banking needs:
  1. Joy-Nostalg
  2. Annapolis, Greenhills
  3. Arranque
  4. Ayala-Alabang
  5. BGC-Taguig
  6. Binondo
  7. Concepcion Marikina
  8. Cubao II
  9. Del Monte
  10. Divisoria
  11. EDSA Kalookan
  12. Fairview
  13. Gil Puyat
  14. Herrera
  15. Intramuros
  16. Kalookan
  17. Malabon
  18. Malinta
  19. Okada
  20. One Soler Reina Regente
  21. Parc Royale
  22. Pasig Caniogan
  23. Quezon Ave South Triangle
  24. Rufino
  25. San Juan
  26. Timog Avenue
  27. Valenzuela
  28. Wack-wack
  All other NCR branches will be closed and will resume regular operations on November 19, 2026 (Thursday).
  Remaining provincial branches will be open from 9:00AM - 4:00PM.
  We encourage you to plan your banking transactions accordingly.
  For 24/7 banking, our Automated Teller Machines (ATMs), AUB Preferred Online Banking, AUB Mobile App, and HelloMoney App remain available. To report lost ATM cards, please contact our Customer Service at (02) 8282-8888.
  Thank you.


• AUB net income in first 9 months stays at record-high P9.4 billion, achieves solid 18% ROE on robust core growth
  Asia United Bank (AUB) and its subsidiaries delivered an exceptional performance for the first nine months of 2026, keeping its record-high net income of P9.4 billion -- 0.3% higher than the same period in 2025. This translated into a solid Return on Equity (ROE) of 18.0% and a Return on Assets (ROA) of 2.9%, underscoring the bank's resilient operating model and sustained core business momentum.
  The bank's bottom-line performance was anchored by strong growth in its core lending and deposit franchises:
  Expanding Net Interest Income: Net interest income climbed 14.5% to P15.5 billion year on year (YOY), driven by steady loan growth and a 10.2% drop in interest expenses. As a result, Net Interest Margin (NIM) widened to 5.1%, reflecting effective asset-liability management amidst prevailing macroeconomic shifts.
  Core Fee & Digital Inflows: Fee-based income from consumer touchpoints and digital platforms -- including HelloMoney, AUB PayMate, credit cards, and branch transactions -- rose 14.5% to P1.5 billion. Total other operating income settled at P2.5 billion, reflecting trading and securities movements (a net loss of P11.8 million versus P1.37 billion in gains a year ago).
  Cost Efficiency and Operational Leverage: Operating expenses grew by a modest 7.2% to P6.1 billion, yielding a cost-to-income ratio of 33.1%. AUB continues to direct strategic investments toward digital transformation while enforcing strict operational discipline.
  Robust Balance Sheet & Industry-Leading Asset Quality
  Total assets rose 3.9% year-on-year to P433.4 billion, backed by steady lending across key economic sectors:
  Double-Digit Loan Expansion: Gross total loans increased 13.8% to P292.3 billion, propelled by healthy demand from both corporate and consumer borrowers.
  Superior Asset Quality: AUB maintained an industry-leading credit profile, with its non-performing loan (NPL) ratio at a low 0.56% and an NPL coverage ratio of 95%.
  Solid CASA-Driven Funding Base: Total deposit liabilities climbed 2.5% to P344.7 billion, with low-cost Current and Savings Account (CASA) deposits accounting for 76% of total deposits.
  Strong Capitalization to Support Future Growth
  Total equity rose 11.6% to P73.3 billion. AUB remains comfortably ahead of regulatory thresholds established by the Bangko Sentral ng Pilipinas (BSP), ending the period with a Capital Adequacy Ratio (CAR) of 19.12% and a Common Equity Tier 1 (CET1) ratio of 18.29%.
  "With a record P9.4-billion net income and recent stockholder approval to quintuple our capital base to P72.5 billion, AUB enters the coming year from a position of profound strength. However, we remain vigilant toward emerging market headwinds and inflationary pressures. This capital enhancement buffers our balance sheet, giving us the resilience and agility needed to sustain our profitability and support our clients through any economic cycle," said AUB President Manuel A. Gomez.


• AUB ranks No. 1 worldwide in Tier 6 category of Forbes World's Top Performing Banks 2026 ranking
  Asia United Bank (AUB) has been officially recognized as the No. 1 bank globally in the Tier 6 category in Forbes' inaugural list of the World's Top Performing Banks 2026, published in partnership with market research firm Statista.
  The global evaluation ranked 500 financial institutions across 89 countries based on rigorous key performance indicators covering Profitability, Growth & Earnings Quality, Capital & Funding Resilience, and Asset Quality & Efficiency. Banks were evaluated within size-based global peer groups, ranging from Tier 1 (global giants) to Tier 6 ($3 billion to $10 billion in total assets).
  Out of hundreds of institutions evaluated around the world, AUB secured the top spot worldwide among small banks. AUB is also among eight Philippine lenders that earned a place in the global ranking.
  Established in 1997, AUB is the youngest among the Philippine banks included in the Forbes ranking. Overcoming early market challenges, AUB adopted a forward-looking strategy centered on digital innovation and cross-border partnerships to scale its business and catch up with larger peer banks.
  "Ranking top globally among small banks is a major testament to AUB's financial strength, operational efficiency, and execution. This milestone was driven by the trust of our clients and dedication of our team. As the financial landscape evolves, we are expanding our digital ecosystem to enhance customer experiences, unlock new growth, and sustain profitability," said AUB President Manuel A. Gomez.
  For a complete understanding of the evaluation criteria and the size-based peer grouping used by Forbes and Statista, please visit:https://www.forbes.com/lists/worlds-top-performing-banks/


• AUB approves 100% stock dividend, 393% capital hike
  Shareholders of Asia United Bank (AUB) approved key strategic capital initiatives designed to strengthen the bank's balance sheet and position it for long-term expansion.
  During a Special Stockholders' Meeting held last August 28, 2026, AUB stockholders formally approved the amendment of AUBâ??s Articles of Incorporation to increase its authorized capital stock by 393% to Php 72.50 billion from Php 14.70 billion, subject to regulatory approvals.
  Stockholders also approved the declaration of a 100% stock dividend, the official record date and payment date of which will be fixed and announced following the receipt of all requisite regulatory approvals.
  The capital enhancement comes on the heels of sustained financial momentum for AUB. For the first half of 2026, AUB posted a net income of Php6.19 billion. Total operating income expanded by 10.1% year-on-year to Php 12.32 billion, driven by a 14.9% growth in net interest income to Php10.11 billion and a 10% increase in loans and receivables to Php281 billion.
  Expressing confidence in the institution's strategic direction, AUB Chairman Abraham T. Co said: "The approval of our capital expansion marks a pivotal moment for AUB. Supported by our strong financial results, low cost of funds, and robust asset quality, we are laying the groundwork for sustained, long-term profitability. We remain deeply optimistic about AUB's growth trajectory as we continue to innovate, scale our digital capabilities, and deliver greater value to our shareholders and clients."
  The substantial increase in authorized capital stock gives AUB the agility to pursue further organic growth, expand its digital footprint - including its e-wallet HelloMoney and cross-border payment system AUB PayMate - and support its growing commercial and consumer lending operations.
  Established in 1997, AUB offers a full range of commercial and consumer banking services, as well as innovative digital financial solutions. Listed on the Philippine Stock Exchange under the ticker AUB, the Bank is widely recognized for its technological leadership and disciplined balance sheet management.
  Unveiling the bank's "future-ready digital roadmap" recently, AUB President Manuel A. Gomez said: "As financial landscapes rapidly evolve, we are doubling down on expanding our digital ecosystem by embedding cutting-edge technology into every facet of our operations to deliver frictionless banking experiences, capture new growth corridors, and maintain our trajectory of sustainable, technology-led profitability."


• AUB Posts Strong First-Half 2026 Performance
  Asia United Bank (AUB) and its subsidiaries recorded a net income of Php6.19 billion for the first half of 2026 from the Php6.13 billion reported in June 2025. This performance was anchored on the steady expansion of its core lending business and a resilient funding base, resulting in a Return on Equity (ROE) of 18.3% and a Return on Assets (ROA) of 3.0%.
  Total operating income expanded by 10.1% to Php12.32 billion. Total interest income for the first half stood at Php12.69 billion, reflecting an 8.2% year-on-year improvement, while net interest income surged by 14.9% to Php10.11 billion. This revenue growth was largely driven by a 10% increase in loans and receivables, which reached Php281 billion, up from Php256 billion in the first half of 2025. Consequently, the Bank's total assets grew by 5.6% year-on-year, climbing to Php427 billion as of June 30, 2026, compared to Php405 billion in the same period last year.
  On the liabilities side, the Bank continued to benefit from a stable and low-cost funding structure. Total deposit liabilities increased by 3.8% to Php338 billion. Current and Savings Accounts (CASA) remained the cornerstone of this deposit base, totaling Php257 billion and representing a solid 76.12% of total deposits. This disciplined approach to balance sheet management allowed the Bank to effectively support its lending activities while optimizing interest expenses, achieving a Net Interest Margin (NIM) of 5.1%.
  Non-interest income generated from other business operations, such as HelloMoney, credit cards, trust services, AUB PayMate, and other branch transactions, increased by 16% to Php1.2 billion.
  While operating expenses rose 11% to Php4.0 billion to support ongoing business growth, operational efficiency remained highly competitive, with the Bank maintaining a cost-to-income ratio of 32.6%. To demonstrate proactive risk management in response to the current macroeconomic environment, provisions for credit losses were increased by 227% to Php596 million.
  Despite the ongoing credit expansion, asset quality was well-maintained. The Bank reported a low Non-Performing Loans (NPL) ratio of 0.44%, backed by a robust NPL coverage ratio of 107.2%. AUB also sustained capital and liquidity buffers well above regulatory minimums. Total equity grew by 8.7% year-on-year to Php70.54 billion, which helped improve the Capital Adequacy Ratio (CAR) to 19.28% and brought the Common Equity Tier 1 (CET1) ratio to a solid 18.62%.
  "Our steady results in the first half of 2026 reflect a strong foundation that enables us to aggressively accelerate our future-ready digital roadmap," said AUB President Manuel A. Gomez. "As financial landscapes rapidly evolve, we are doubling down on expanding our digital ecosystem - from scaling our HelloMoney e-wallet to enhancing cross-border payment integration through AUB PayMate. By embedding cutting-edge technology into every facet of our operations, we aim to deliver frictionless banking experiences, capture new growth corridors, and maintain our trajectory of sustainable, technology-led profitability."