AUB • Announcements

Announcements

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."

AUB unveils 'future-ready' strategic roadmap driven by AI
Following another historic, banner year, Asia United Bank (AUB) has officially unveiled its future-ready strategic roadmap aimed at navigating a complex macroeconomic landscape by combining the agility of a fintech with the institutional resilience of a universal bank.
Faced with domestic and global headwinds projected for 2026 - including inflationary pressures and currency volatility - AUB is steering its growth through the following:
Generative AI Integration: Moving beyond basic operational efficiency, AUB is actively deploying Generative AI to provide real-time, personalized financial advice to its millions of digital users.
Future-Ready Capital Position: The bank remains focused on maintaining capital strength to confidently seize new market opportunities.
In its recent disclosure to the Philippine Stock Exchange, AUB said its board of directors, led by newly elected Chairman Abraham T. Co, has approved an amendment to its articles of incorporation to increase its authorized capital stock to P72.50 billion from P14.70 billion, subject to shareholder approval.
The board has also approved the declaration of both cash and stock dividends. The board approved a total cash dividend of P2.50 per share to be distributed in three tranches according to the rules of the Securities and Exchange Commission and the Philippine Stock Exchange: P1.00 per share payable by July 30, 2026; P1.00 per share by September 30, 2026; and P0.50 per share by December 18, 2026. Additionally, the Board approved the declaration of a 100% stock dividend. This declaration will be endorsed to stockholders for approval, with the record and payment dates to be finalized once all regulatory approvals have been secured.
Proven past performance as launchpad
AUB's forward-looking strategies are anchored heavily on its stellar past performance and robust risk management, which consistently outperform industry benchmarks. Key financial milestones from its full-year operations in 2025 include:
Record-Breaking Profitability: AUB achieved an all-time high net income of P12.7 billion, representing a 12% increase year-over-year. The bank sustained an exceptional Return on Equity (ROE) of 20.0% and improved its Return on Assets (ROA) to 3.10%-both metrics sitting significantly better than the Philippine banking industry averages.
Strong Balance Sheet: Total assets expanded 13% to P435 billion, driven by a highly disciplined, sector-specific commercial lending portfolio that grew to P276 billion.
Industry-Leading Asset Quality: AUB maintained an impressively low Non-Performing Loan (NPL) ratio of just 0.38%, vastly outperforming the industry average of 1.18%. "These achievements are the result of disciplined credit underwriting, rigorous portfolio monitoring, early risk detection, and agile remedial management, enabling us to work proactively with our borrowers while safeguarding the bank's asset quality," said AUB President Manuel A. Gomez.
Superior Capital Adequacy: The bank's Common Equity Tier 1 (CET1) ratio strengthened to 18.39% (up from 17.03%), while its Capital Adequacy Ratio (CAR) climbed to 19.11%, providing a powerful shock absorber against external macroeconomic risks.
Orchestrating the Digital Ecosystem
AUB has effectively transformed from a traditional financial intermediary into a full-scale digital ecosystem orchestrator. Its proprietary e-wallet, HelloMoney, reached nearly 9 million users by the end of 2025. The app has drastically expanded its global utility through the Alipay+ network, allowing users to seamlessly transact across China and nearly 60 other countries, while rolling out features like HelloInvest for direct government Treasury bill access.
Simultaneously, AUB PayMate has solidified its place as a leading digital payment acceptance platform for QR Ph, Mastercard, Visa, and major international wallets.
"At AUB, we view shifting economic horizons not as boundaries that constrain us, but as frontiers we are already crossing," said Mr. Gomez. "By seamlessly connecting traditional banking stability with the limitless possibilities of digital innovation, we have built a bridge capable of withstanding global uncertainty and generating long-term, sustainable value for our stakeholders, customers, and communities."

AUB, SSS partner in game-changing MySSS Card
In a major move to advance financial inclusion and digital transformation in the country, Asia United Bank (AUB) and the Social Security System (SSS) partnered to officially launch the MySSS Card Powered by AUB HelloMoney.
The MySSS Card Powered by AUB HelloMoney is designed to provide SSS members and pensioners with a fast, secure, and highly efficient channel to receive their benefits, loan proceeds, and pensions. By linking the state insurance fund's digital ecosystem with AUB's flagship e-wallet, HelloMoney, the partnership aims to bridge the gap for unbanked and underserved Filipinos.
"The MySSS Card powered by AUB HelloMoney is more than just a card; it represents inclusion, accessibility, and innovation. It brings government service and financial technology closer to the everyday lives of millions of Filipino workers and beneficiaries. Through this collaboration, members can enjoy safer, simpler, and more efficient access to their benefits, anytime, anywhere," said AUB Executive Vice President and Head of IT and Operations Wilfredo Rodriguez Jr. during the formal launch on May 29, 2026 at the SSS office.
The co-branded card serves as both a government-issued ID and an active ATM card. To ensure accessibility for all segments of the working class, the MySSS Card is available for a one-time fee of only PHP250, requiring no annual fees, no dormancy fees, and no monthly maintaining balance.
The formal launch marks the deployment of dedicated kiosks where approved SSS members can instantly print and claim their co-branded MySSS Cards directly from an AUB instant issuance kiosk. Top SSS and AUB executives demonstrated the seamless digital-to-physical integration that allows SSS members to instantly receive their MySSS Cards.
For existing HelloMoney ATM cardholders, the MySSS Card serves as a direct upgrade. Once the co-branded MySSS Card is linked via the AUB HelloMoney mobile app, their old HelloMoney ATM cards will be automatically deactivated, smoothly transitioning users to the comprehensive co-branded platform.
Beyond acting as a disbursement tool, the MySSS Card offers full integration into AUB HelloMoney's extensive digital feature ecosystem. Cardholders can easily access nationwide cash-in and cash-out facilities through thousands of partner outlets, including 7-Eleven, EcPay, and AUB branches.
Through the AUB HelloMoney app, MySSS Card users gain immediate access to an array of robust digital services, including bills payment, real-time fund transfers, instant mobile load purchases, and secure remittance services. The account also features a Virtual MasterCard for online shopping, full QRPh functionality for local merchant transactions, and international cross-border payment support powered by Alipay+, enabling users to make cashless payments when traveling to Japan, South Korea, Singapore, Hong Kong, and Malaysia.
"What excites me most is not just what the MySSS Card delivers today, but what it unlocks for tomorrow. Bills paid, funds transferred, investments made, a digital wallet in the hands of every SSS member who has earned it. AUB is committed to bringing more financial services and more features, to make your engagement with SSS simpler and your banking as easy as saying, 'Hello'," said Leslie W. Villegas, AUB vice president and FinTech Unit Head.
The rollout of the MySSS Card is a core pillar of AUB's aggressive digital growth strategy, tapping into the state fund's massive base of over 40 million members. This partnership, alongside AUB's recently established collaborations with digital microinsurance providers, positions AUB HelloMoney to significantly expand its user base and advance standard financial mobility nationwide.
SSS members interested in securing their co-branded card are encouraged to download the AUB HelloMoney app via the Apple App Store, Google Play Store, or Huawei AppGallery, and stay tuned for the official rollout of the AUB instant issuance kiosk lines following the May 29 launch.