ChinaBank Just Posted Its 11th Straight Year of Record Profits — ₱28 Billion in 2025, Up 13% From the Year Before
China Banking Corporation has done it again — posting a record ₱28 billion in net income for 2025, marking an incredible 11th consecutive year of breaking its own profit record. The SM Group-owned bank has been on a winning streak since 2015, when profits were just ₱5.6 billion.
The bank's core lending business drove the growth, with interest income climbing 12% to ₱105.2 billion on strong demand across various loan segments. Total operating income jumped 16% to ₱75.7 billion, while the bank maintained a healthy net interest margin of 4.6%.
In a major milestone, ChinaBank's gross loans hit the ₱1 trillion mark for the first time, increasing 13% to ₱1.1 trillion on strong demand from both corporate and consumer segments. Total assets rose 8% to ₱1.8 trillion, solidifying its position as the country's fourth-largest private universal bank.
The bank also demonstrated prudence amid economic uncertainty, more than doubling its credit provisions to ₱7 billion — resulting in an NPL coverage ratio of 109%, well above the industry average. Its non-performing loans ratio remained steady at a healthy 1.6%.
With deposits growing 9% to ₱1.4 trillion and capital up 13% to ₱191.3 billion, ChinaBank appears well-positioned to weather whatever storms — including the Iran oil crisis — may come in 2026. The 11-year streak is a remarkable feat in Philippine banking, where even three consecutive record years is considered exceptional.
Source: Manila Bulletin / Business Inquirer
