Noel: These partnerships reflect our belief that collaboration is a powerful way to extend impact and create long-term value. Our 25% stake in Home Credit Philippines, completed in May 2025, deepens our participation in the fast-growing consumer finance segment and allows us to better serve the evolving needs of Filipino consumers.

Meanwhile, the launch of Mitsubishi Motors Finance Philippines—our joint venture with Mitsubishi Motors Corporation—enables us to support vehicle ownership through tailored financing solutions. By year-end, the venture was booking over 1,000 units monthly, or around PHP1 billion in booked value, reinforcing its strategic relevance.

Noel: It marked a turning point. More importantly, this shift signaled that digital is no longer a support channel, it is now central to how we serve customers, deepen relationships, and operate efficiently across the Bank.

Lee: These milestones reflect trust, earned from customers, investors, partners, and regulators. Our progress in sustainable finance—including pioneering IFC Alliance membership and an MSCI ESG Rating of ‘A’—speaks to disciplined governance and responsible growth.

Noel: They reflect consistency of governance, execution, and customer-centric innovation. Being named the Top Bank in the Philippines by TIME and Statista for the second consecutive year, alongside multiple recognitions for SME banking, governance, and capital markets excellence, affirms the standards we set for ourselves, and the trust placed in us by our stakeholders.

Noel: These moments bring our BetterBanking purpose to life beyond the balance sheet. Events such as the 15th Economic Forum, the Abet Villarosa Cup, and the first Security Bank Polo Cup created spaces for dialogue, partnership, and shared experiences, while Security Bank Foundation’s turnover of 62 classrooms reflected our commitment to inclusive and long-term impact.

Lee: They remind us that banking is ultimately about people. Our role extends beyond transactions, to relationships, communities, and shared progress.

Lee: I approach 2026 with focus and a clear sense of responsibility. The Bank has strengthened its operating foundations in recent years: how we serve customers, make decisions, and manage risk.

Noel: On behalf of the Board, I thank our customers, investors, partners, and employees for their continued trust and collaboration. Together, we made 2025 a year of meaningful progress—reinforcing our belief that BetterBanking is not only possible, but essential for the future.

Lee: While I assumed the role of President and CEO in January 2026, the results in this report reflect the collective efforts of the organization throughout 2025. I look forward to carrying this work forward with the team.