China Banking Corporation posted a consolidated net income of ₱20.2 billion for the first nine months of 2025, up 10% year-on-year, maintaining its position among the country’s top-performing banks.
The bank achieved a return on equity of 15.3% and a return on assets of 1.6%, among the highest in the industry.
Interest income rose 13%, fueled by the expansion of earning assets, while net interest income increased 15% to ₱53.5 billion, with net interest margin steady at 4.6%. Fee-based income climbed to ₱3.1 billion, supported by growth in trust and bancassurance commissions.
Operating expenses grew 15% to ₱25.3 billion, reflecting strategic investments in manpower and technology, yet the cost-to-income ratio improved to 45%.
Provisions were increased to ₱7.0 billion, resulting in a non-performing loan cover of 123%, above industry norms.
Total assets rose 8% to ₱1.7 trillion, while gross loans expanded 14% to ₱994 billion, driven by strong corporate and consumer demand. The NPL ratio improved to 1.6%, and deposits climbed 9% to ₱1.4 trillion, underpinned by a 12% growth in checking and savings accounts.
Capital reached ₱184.4 billion, up 13%, with a capital adequacy ratio of 15.8% and common equity tier 1 ratio of 15.0%, comfortably above regulatory requirements. Book value per share increased to ₱68.49.
