Announcements

• 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.


• AUB posts another record-high net income in Q1; capital strength, operational excellence drive growth
  Asia United Bank (AUB) and its subsidiaries started the year on a historic high, posting a record net income of P3.2 billion for the first quarter of 2026. This demonstrates the bank's resilience and stable core profitability in a dynamic economic environment.
  Its Return on Equity (ROE) stood at 19.3% and Return on Assets (ROA) at 3.2%. Buoyed by effective asset-liability management and a robust funding base, its Net Interest Margin (NIM) expanded to 5.3% during the first quarter, up from 5.1% in the previous year.
  The bank's exceptional performance was underpinned by a significant strengthening of its capital position. Its Capital Adequacy Ratio (CAR) improved to 19.3%, while its Common Equity Tier 1 ratio rose to 18.7%. Both metrics remain comfortably above regulatory requirements, providing the bank with substantial capacity to cushion against macroeconomic pressures and support future expansion.
  AUB saw sustained momentum across its core lending and deposit-taking operations. Total loans and receivables grew by 9.4% year-on-year to P276.2 billion. On the funding side, total deposit liabilities reached P335.5 billion, an 8.9% increase. Notably, the bank's CASA-to-Total Deposits ratio climbed to 78% from 69% a year ago, reflecting a robust and low-cost funding base.
  Operational efficiency also reached new heights, with the cost-to-income ratio improving to 30.4% from 32.6% in the first quarter of 2025. Despite proactively increasing credit provisions to P331.3 million, AUB maintained a remarkably low non-performing loan (NPL) ratio of 0.44% and a strong NPL coverage ratio of 111.2%, proof of its disciplined risk management.
  AUB's financial success is mirrored by its international standing. The bank was recently honored with Straight Through Processing (STP) Excellence Awards from global giants J.P. Morgan and Standard Chartered Bank for achieving automated, error-free international fund transfer rates as high as 99.3% for USD payments.
  Locally, AUB's trust industry leadership was reaffirmed as the AUB Peso Investment Fund and the AUB Gold Dollar Fund-the latter celebrating a ten-year winning streak-were named "Best Managed Funds" by the CFA Society Philippines in April 2026.
  "These achievements and our historic-high financial results serve as a powerful validation of our ability to maintain stability and growth in a 'permacrisis' environment," said AUB President Manuel A. Gomez. "Our robust internal controls and investment strategies are built to withstand extreme external shocks while delivering world-class service."
  Despite a volatile global economic landscape-marked by the ongoing war in the Middle East-the bank's latest recognitions from J.P. Morgan, Standard Chartered Bank (SCB), and the CFA Society Philippines underscore its commitment to world-class service and consistent financial performance.
  "These are testimonies to the high standard of performance of AUB's officers and staff, and your dedication to serving clients," said Tet Sangil, Standard Chartered Bank Head of Financial Institutions.
  "Earning recognition from our global payments partners emboldens us to further improve on our digital capabilities while being strictly adherent to the requirements on industry standards for the SWIFT environment, which also includes the security requirements of the Bangko Sentral ng Pilipinas, as well as all regulatory requirements on money laundering and terrorism financing (ML/TF) checking and validations," said Wilfredo E. Rodriguez Jr., AUB executive vice president and head of IT and Operations.


• AUB sustains winning streak as Best Managed Funds
  Asia United Bank (AUB) continues to solidify its reputation in the trust industry as its AUB Peso Investment Fund and AUB Gold Dollar Fund again won awards at the CFA Society Philippines' 2025 Best Managed Funds of the Year Awards held April 24. Only 17 were awarded out of the 214 funds that vied for recognition across multiple categories this year.
  "Asia United Bank was consistently recognized for Peso and Dollar bond funds, including the AUB Gold Dollar Fund," the CFA announced in its website on February 27, 2026.
  The AUB Peso Investment Fund was named the "Best Managed Fund" in the Medium-Term Bond Funds category using pure FVPL valuation (peso), the third since 2018. Sustaining its tenth-year winning streak, the AUB Gold Dollar Fund was named the "Best Managed Fund" in the Dollar Medium-Term Bond Fund category.
  "For AUB, these awards serve as a powerful validation of our ability to maintain stability and growth in a 'permacrisis' environment. A ten-year performance streak on our Gold Dollar Fund during a major global conflict and aggressive interest rate hikes proves that AUB's internal controls and investment strategies are robust enough to withstand extreme external shocks," said AUB President Manuel A. Gomez.


• AUB bags funds transfer awards from global banks
  Two global banks recently recognized Asia United Bank (AUB) with a Straight Through Processing (STP) Excellence Award for its seamless payment transactions made from 2024 to 2025.
  Global financial services firm J.P. Morgan bestowed its coveted J.P. Morgan U.S. Dollar Clearing Elite Quality Recognition Award to AUB, recognizing its best-in-class straight-through processing (STP) rates for 2024. It said the local bank demonstrated "consistent, high-quality performance of our clients' funds transfer operations management and staff." This was the second consecutive year AUB received an award from global financial services firms for its world-class STP performance, a strong testament to its efficiency in processing U.S. dollar payments for its customers and channeling such payments to its correspondent banks like J.P. Morgan.
  Another global financial institution and the oldest international bank in the Philippines, Standard Chartered Bank (SCB), awarded AUB with its STP Diamond Excellence Award for USD Payments and its Platinum Excellence Award for EUR Payments, its first EUR STP award for AUB. For 2025, AUB achieved an excellent rating of 99.3% for USD payments and 97.2% for EUR payments. "These are testimonies to the high standard of performance of AUB's officers and staff, and your dedication to serving clients," said Tet Sangil, Standard Chartered Bank Head of Financial Institutions.
  The annual STP Excellence Award is a prestigious designation presented to leading financial institutions worldwide which achieved rates of at least 95%. Moreover, it is a recognition of superior and excellent service through consistent and efficient processing of international funds transfer requests.
  "Earning recognition from our global payments partners emboldens us to further improve on our digital capabilities while being strictly adherent to the requirements on industry standards for the SWIFT environment, which also includes the security requirements of the Bangko Sentral ng Pilipinas, as well as all regulatory requirements on money laundering and terrorism financing (ML/TF) checking and validations," said Wilfredo E. Rodriguez Jr., AUB executive vice president and head of IT and Operations.


• AUB makes investing safer, easier through HelloMoney
  In a bid to encourage many Filipinos to invest and help deepen the domestic capital markets, Asia United Bank (AUB) recently unveiled a new feature in its HelloMoney e-wallet application that allows users to invest directly in government-backed Treasury bills.
  The feature, called HelloInvest, offers more than six million HelloMoney users a simple, secure, and confidence-building entry into the world of investing, said AUB.
  Unlike many digital investment offerings that allow users to "dip a toe" with very small amounts, HelloInvest enables users to invest a minimum of P10,000 in short-term T-bills. "This higher starting amount reflects the nature of the product as a safe, low-risk, non-speculative investment backed by the Philippine government, not a gamble on market movements or fluctuating fund values," said Wilfredo Rodriguez Jr., Head of Operations and Technology at AUB.
  "HelloInvest is designed for people who want their first investment to be something they can really trust," he said. "T-bills offer predictable returns, fixed timelines, and full government backing. With HelloInvest, users start with an investment that is stable, secure, and a strong foundation for building long-term financial confidence."
  T-bills are among the safest investment instruments available in the Philippines, typically used by financial-savvy Filipinos who value preservation of capital, guaranteed repayment at maturity, and a clear understanding of how their money grows. "AUB makes this trusted investment accessible through a fully digital, step-by-step experience: no paperwork, no branch visits, and best of all, no jargon," Mr. Rodriguez added.
  AUB said HelloInvest is not designed for quick speculation or micro-investing but meant for people who want to take investing seriously without entering the volatility of stocks or market-priced funds. "We want users to feel that their first investment is meaningful and, of course, protected," added Mr. Rodriguez. "HelloInvest keeps things simple, safe, and transparent - the way a first investment should be."
  HelloInvest features include:
  > Investing in 91-day T-bills, issued and fully backed by the Philippine government;
  > Having predictable returns, no market swings - users know exactly when and how much they will earn;
  > Offering beginner-friendly guidance: a step-by-step flow makes investing understandable and stress-free;
  > Removing the hassles of paperwork and branch visits, as the entire process happens within the HelloMoney app; and
  > Combining HelloMoney's convenience with AUB's secure banking infrastructure.
  AUB has been expanding the global acceptance of HelloMoney, which now includes mainland China and nearly 60 other countries in 2025. More than six million HelloMoney users can make seamless payments by scanning QR (quick response) codes supported by Alipay+ in more markets when they travel abroad.
  HelloInvest is available to all HelloMoney users. To get started, simply update the HelloMoney app via the Apple App Store or Google Play Store.