CBS net income hits P2.4B, another new record, bolstered by sustained loan growth

CBS reinforced its position as one of the Philippines’ leading thrift banks in 2025 with a full year net income of P2.4 billion, up more than 10% year-on-year, driven by sustained growth in core income and continued expansion of its loan portfolio. CBS has been setting new record highs in profit every year since 2021. Total assets increased by 15% to P218 billion, supported by a rapidly expanding customer base of more than one million. As of December 2025, CBS ranks 2nd in total assets and loans and 1st in deposits among thrift banks, underscoring its solid market position. The Bank’s loan portfolio grew by 13% to P154 billion, reflecting strong demand across its core lending segments. Deposits rose by 15% to P192 billion, strengthening liquidity and funding stability. CBS’ extensive branch network and digital infrastructure continue to drive its competitive advantage. With 175 branches, 34 APD (teachers' loans) lending centers, 73 APD branch-lite units, and 283 ATMs nationwide, supported by a workforce of more than 3,000 professionals and Casey, the Bank’s AI powered customer experience management chatbot, the Bank effectively combines broad physical reach and digital technology with operational efficiency. “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,” said President James Christian T. Dee. Looking ahead, CBS remains focused on sustaining profitable growth by expanding higher-yielding loans, growing its CASA base, and maintaining sound asset quality. The Bank will also continue to diversify its revenue streams and enhance operational efficiency through digitalization and process improvements. CBS is also looking to further enhance its online presence this year with updates on its mobile apps. With a strong balance sheet and clear strategic direction, CBS is well-positioned to capture emerging opportunities and deliver long-term value to its stakeholders. “Our branch expansion plans are already in full swing this year, with multiple branches slated for opening this quarter nationwide. We fully believe the creation of more physical touch points will allow us to penetrate deeper into our target market, and propel us higher in the consumer banking space. This, combined with our digital enhancements, will allow CBS to service more customers, without sacrificing service quality,” added Dee. IPIL_1

As of Q1 2026, CBS is set to open new branches in Ipil, Zamboanga Sibugay; Isulan Sultan Kudarat; City of Valencia, Bukidnon; San Francisco, Agusan Del Sur; San Jose Antique; City of Calapan, Oriental Mindoro; Municipality of San Jose Occidental, Mindoro; La Carlota, Negros Occidental; City of Cadiz, Negros Occidental; Montalban, Rizal; Nasugbu, Batangas; Gapan, Nueva Ecija; Iligan, Lanao Del Norte; and Lapu-Lapu City, Cebu. IPIL_2