ASIA United Bank (AUB) will integrate generative artificial intelligence (AI) into its banking services to deliver personalized financial advice and expand lending to micro, small and medium enterprises (MSMEs) as part of measures to strengthen digital flexibility.
In a statement on Wednesday, the lender said that under its future-ready roadmap, generative AI would be used to provide real-time financial recommendations to digital banking users while predictive analytics would be used to identify qualified MSMEs for pre-approved credit lines.
The initiatives are aimed at helping the bank navigate an operating environment marked by inflationary pressures and currency volatility.
“At AUB, we view shifting economic horizons not as boundaries that constrain us, but as frontiers we are already crossing,” AUB President Manuel Gomez said.
“By seamlessly connecting traditional banking stability with the limitless possibilities of digital innovation, we have built a bridge capable of withstanding global uncertainty and generating long-term, sustainable value for our stakeholders, customers, and communities,” he added.
AUB also said it planned to expand its digital payments ecosystem through the rollout of AUB PayMate Business, a platform offering automated invoicing and real-time inventory financing for MSMEs.
In 2025, the bank reported a record net income of P12.7 billion, up 12 percent from the previous year, with total assets growing 13 percent to P435 billion and its commercial lending portfolio expanding to P276 billion.
The bank maintained a non-performing loan ratio of 0.38 percent for the year, below the industry average of 1.18 percent, while the common equity tier 1 ratio improved to 18.39 percent and the capital adequacy ratio rose to 19.11 percent.
In an earlier disclosure, AUB announced that its board had approved a proposed increase in its authorized capital stock to P72.5 billion from P14.7 billion. Also approved was a proposed 100-percent stock dividend and the declaration of a cash dividend of P2.50 per share, subject to shareholder and regulatory approvals.
On Wednesday, Asia United Bank shares slipped P0.10, or 0.19 percent, to close at P52.80 each.
