AUB’s net income up 12% to $220.12m on commercial loan growth

AUB’s net income up 12% to $220.12m on commercial loan growth.

Asia United Bank Corporation (AUB) reported a net income of $220.12m (PHP12.7b) for the full year of 2025, a 12% year-on-year (YoY) increase.

The Philippine-based universal bank reported a significant expansion in its combined commercial loan portfolio, according to a filing at the Philippine Stock Exchange.

Return on equity (ROE) is 20% whilst return on assets (ROA) is 3.1% for 2025.

Total operating income rose 9% YoY to $402.11m (PHP23.2b), with the total loan portfolio rising by 13% YoY to $4.78b (PHP276b). This lending activity drove net interest income to rise 10% YoY to $318.92m (PHP18.4b).

Non-performing loans (NPL) ratio is 0.38%, whilst NPL coverage ratio is 115%.

Total assets are $7.54b (PHP435b) as of end-2025, rising 13% YoY compared to 2024.

Common equity tier 1 (CET1) ratio is at 18.4%.

Other income rose 8% to $83.2m (PHP4.8b), thanks to higher fee-based income from operational activities including AUB PayMate, HelloMoney, remittance, trust, and credit cards, AUB said.

AUB’s e-wallet HelloMoney is now accepted in 60 countries including mainland China. HelloMoney is used by 6 million users, the bank said.

(US$1 = PHP57.69)