A surge of financial strength propelled the bank to unprecedented heights in 2025, achieving a record-breaking net income of P43.98 billion. This represents a remarkable 24.38% increase compared to the P35.36 billion earned the previous year, signaling a period of robust growth and strategic success.
The engine driving this success was a substantial rise in net interest income, climbing 14% to P110.86 billion. This growth stemmed from increased returns on loans and a strong performance in fixed-income investments, demonstrating effective asset management and a favorable economic climate.
A key factor in the bank’s profitability was a decrease in interest expense, falling by 3.57% to P41.84 billion. This careful management of financial obligations contributed significantly to the overall positive financial outcome.
While other operating income experienced a slight decline, dropping 16.51%, the bank offset this with strategic cost control in other areas. However, operating expenses did see an increase of 16.06%, largely attributed to rising compensation costs reflecting investment in personnel.
The bank’s commitment to its core mandate remained steadfast, with P896.61 billion – a significant 53.5% of its P1.68 trillion gross loan portfolio – dedicated to agriculture, fisheries, and rural development. This demonstrates a continued focus on supporting vital sectors of the Philippine economy.
Net loans also experienced healthy growth, increasing by 4.52% to P1.28 billion, indicating a sustained demand for credit and the bank’s ability to effectively deploy capital. Importantly, the quality of these loans improved throughout the year, showcasing responsible lending practices.
Deposits reached a record P3.11 trillion, a 3.27% increase from the previous year, reflecting strong customer confidence and the bank’s ability to attract and retain funds. This influx of capital further strengthened its financial foundation.
Total assets grew to P3.52 trillion, a 2.73% increase, solidifying the bank’s position as a major financial institution. A robust capital fund of P278.44 billion underscored its financial stability and capacity for future expansion.
The bank’s leadership emphasized that this financial strength directly translates into greater capacity to fulfill its mission. The focus remains on providing affordable and accessible financing, particularly to farmers, fishers, and those involved in the agricultural value chain.
By prioritizing primary production and supporting value-adding activities, the bank aims to bolster food security and foster inclusive, sustainable economic growth across the nation. This commitment positions the institution as a key driver of progress and prosperity for Filipinos.
