China Bank Savings (CBS) delivered another record year in 2025, with profit hitting P2.4 billion as loans, deposits and assets all posted double-digit growth, reinforcing its position near the top of the thrift banking sector.
Net income at the thrift banking arm of Sy-led China Banking Corp. rose more than 10 percent year on year, extending a streak of record profits since 2021, driven by core lending and recurring income streams.
The results highlight solid operating momentum, with earnings supported by loan growth rather than one-off gains.
Management’s view
“Despite the shifting economic landscape in 2025, our bank still pulled through and logged another record-breaking performance in terms of full year profit,” said CBS president James Christian T. Dee.
“Moving forward, we are confident in our bank’s fundamentals, and we fully expect to have another strong showing this 2026,” he added.
Loans growth, solid asset base
Total assets expanded 15 percent to P218 billion as the bank’s customer base surpassed one million. CBS ranked second in assets and loans and first in deposits among thrift banks as of December 2025.
Loans grew 13 percent to P154 billion on strong demand across core segments. Deposits increased 15 percent to P192 billion, strengthening liquidity and funding capacity.
What’s next
CBS is prioritizing higher-yielding loans, expanding its current account and savings account base, and improving efficiency through digitalization, including mobile app upgrades.
The bank operates 175 branches, alongside lending centers, branch-lite units and 283 automated teller machines, supported by more than 3,000 employees and an artificial intelligence chatbot.
The expansion push CBS recently opened a branch in Ipil, Zamboanga Sibugay, part of a broader strategy to scale physical presence.New branches are planned across Mindanao, Visayas and Luzon through the first quarter of 2026.
—Edited by Miguel R. Camus
