BPI exploring AI use for other products after successful SME surge

CEO TG Limcaoco says BPI is testing AI-assisted underwriting for cars and personal loans.

BPI CEO Jose Teodoro “TG” K. Limcaoco said that the bank is now testing AI-assisted underwriting for auto loans, credit cards, and personal loans.

BPI has been using AI to identify small business accounts among personal account holders, analyzing inflows and outflows to distinguish business activity from salaried accounts.

This approach has helped the bank grow its SME loan portfolio eightfold over the past three years.

During the Asian Banking and Finance Summit 2026 on 10 March, Limcaoco said that once established, the same AI processes could be applied to a wider range of consumer lending, including housing loans, streamlining approvals while maintaining due diligence.

Responsible lending checks remain in place with borrowers identified by AI required to complete verification, including business permits or other documents, before approval.