China Bank Savings (CBS) marked a historic milestone in 2025, announcing a record-breaking net income of ₱2.4 billion.
The report, released Thursday, signifies the fifth consecutive year of sustained profit growth for the retail lending arm of China Banking Corporation.
The bank’s robust financial performance was driven by a 10% year-on-year increase in earnings, bolstered by a 13% expansion of its loan portfolio, which grew to ₱154 billion. Additionally, CBS reported that its total assets have climbed to ₱218 billion, while its customer base has officially surpassed one million individuals.
CBS President James Christian Dee credited the bank’s resilience in a shifting economic landscape for the banner year.
“Despite the shifting economic landscape in 2025, our Bank still pulled through and logged another record-breaking performance in terms of full year profit. Moving forward, we are confident in our Bank’s fundamentals, and we fully expect to have another strong showing this 2026.”
To sustain its upward trajectory, CBS is implementing a dual strategy focused on both digital transformation and physical network expansion. Alongside investments in AI-powered customer service and mobile app enhancements, the lender is actively growing its presence in the provinces.
A new branch was recently established in Ipil, Zamboanga Sibugay, leading a broader rollout targeting more than a dozen new sites across Mindanao, Visayas, and other key regions.
“Our branch expansion plans are already in full swing this year, with multiple branches slated for opening this quarter nationwide.”
Currently operating 175 branches and over 100 specialized lending units, CBS plans to prioritize high-yield loans and digital innovation. This strategic focus is aimed at strengthening the bank’s competitive position within the rapidly evolving Southeast Asian consumer banking sector.