The future is BetterBanking
In 2025, Security Bank delivered resilient performance amid a challenging operating environment shaped by elevated funding costs and uneven recovery. Strong revenue momentum and disciplined execution lifted operating profit before provisions, while prudent provisioning reinforced balance sheet resilience. Continued investments in digital platforms, partnerships, and distribution supported sustainable, long-term value creation.
Leadership Q&A
In a joint Leadership Q&A, Chairman Cirilo P. Noel and President and CEO Victor Lee reflect on the Bank’s 2025 performance, digital transformation, strategic partnerships, sustainability progress, and priorities for the year ahead.
Financial highlights
Against a complex economic backdrop, Security Bank closed 2025 with resilient financial performance anchored on strong core earnings, prudent risk management, and disciplined capital allocation. Revenue momentum and operating profit growth demonstrated the Bank’s execution capability, while continued investments in digital transformation and network expansion supported sustainable, long-term value creation.
^ 3% YoY
Net loans
^ 3% YoY
Total revenues
^ 22% YoY
PPOP
^ 26% YoY
Total assets
^ 6% YoY
A
MSCI ESG Rating
Report: March 23, 2026
Total deposits
^ 16% YoY
384
Branch of network
(as of March 2026)
^ 31 new in 2025
^ 3% YoY
Total revenues
^ 22% YoY
Total assets
^ 6% YoY
Total deposits
^ 16% YoY
Net loans
^ 3% YoY
PPOP
^ 26% YoY
A
MSCI ESG Rating
Report: March 23, 2026
384
Branch of network
(as of March 2026)
^ 31 new in 2025
Value creation model
We create value by mobilizing our people, capital, and capabilities to serve customers, empower businesses,
and contribute to resilient communities—while managing risks with discipline.
BetterBanking in action
In 2025, Security Bank advanced its goal of becoming the most customer-centric bank in the Philippines by simplifying key journeys, strengthening advice and execution, and investing in technology that reduced friction at scale. Across Retail, Branch, Business Banking, Wholesale, and Wealth, the focus stayed consistent: listen to customers, execute with discipline, and deliver measurable outcomes.
-
Simpler and faster customer journeys, supported by expanded digital self-service and clearer processes.
-
Stronger relationships and engagement, reflected in sustained satisfaction levels and deeper client interactions.
-
Improved operating efficiency, through automation, process redesign, and channel optimization.
-
Disciplined growth, balancing volume, pricing, portfolio quality, and long-term value creation.
BetterBanking in action
In 2025, Security Bank advanced its goal of becoming the most customer-centric bank in the Philippines by simplifying key journeys, strengthening advice and execution, and investing in technology that reduced friction at scale. Across Retail, Branch, Business Banking, Wholesale, and Wealth, the focus stayed consistent: listen to customers, execute with discipline, and deliver measurable outcomes.
-
Simpler and faster customer journeys, supported by expanded digital self-service and clearer processes.
-
Stronger relationships and engagement, reflected in sustained satisfaction levels and deeper client interactions.
-
Improved operating efficiency, through automation, process redesign, and channel optimization.
-
Disciplined growth, balancing volume, pricing, portfolio quality, and long-term value creation.
Sustainability strategy and performance
Sustainability is embedded in how we grow, manage risk, and finance the future. Our sustainability agenda shapes strategy, governance, and performance—supporting resilient growth, responsible lending, and long-term value creation.
Sustainability strategy and performance
Sustainability is embedded in how we grow, manage risk, and finance the future. Our sustainability agenda shapes strategy, governance, and performance—supporting resilient growth, responsible lending, and long-term value creation.
2025 Integrated Report
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