Philippine Bank Assets Reach Historic High of PHP 29.86 Trillion
Philippines bank assets concluded 2025, reaching a record PHP 29.86 trillion, representing an 8.87% increase from the previous year.
Data from the Bangko Sentral ng Pilipinas (BSP) indicates that this growth was largely fuelled by an expanding loan book and increased investments.
Universal and commercial banks maintained the majority of these assets at PHP 27.88 trillion.
Notably, digital banks experienced the highest growth rate, surging by 40.54% to PHP 165.35 billion, whilst rural and cooperative banks saw a 9.17% decline.
The sector’s net loan portfolio climbed by 11.89% to PHP 16.61 trillion, and net financial investments grew by 10.51% to PHP 8.59 trillion.
Total liabilities also rose by 8.86% to PHP 26.19 trillion, primarily driven by a 7.4% increase in total deposits.
This robust asset growth aligns with the central bank’s monetary easing cycle.
The BSP implemented consecutive rate cuts totalling 125 basis points throughout 2025, lowering the benchmark interest rate to 4.5% by year-end.
Economists predict further asset expansion this year following additional rate reductions.
Featured image: Edited by Fintech News Philippines based on images by inkoly and Who is Danny via Freepik.
The post Philippine Bank Assets Reach Historic High of PHP 29.86 Trillion appeared first on Fintech News Philippines.
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