Security Bank Corp. has demonstrated robust financial health, reporting a significant surge in its earnings for the first three quarters of 2025. The bank's strategic focus on core operations and market activities has yielded impressive growth across key performance indicators, solidifying its position in the competitive Philippine banking landscape.
Strong Revenue and Profit Growth
The bank announced that its total revenues for the period of January to September 2025 reached P48.8 billion. This figure marks a substantial 22 percent increase compared to the same period last year. The impressive revenue growth was primarily driven by two key factors: higher earnings from its lending activities and substantial gains from its trading operations.
Net profit also saw a healthy rise, climbing seven percent to P9.1 billion. A deeper look into the revenue streams reveals that net interest income grew by 15 percent to P37.2 billion. This core banking activity was supported by an improvement in net interest margins, which expanded to 4.70 percent. Furthermore, the bank's non-interest income, which includes fees and trading gains, experienced an explosive 52 percent surge, reaching P11.6 billion.
Strategic Investments and Lending Expansion
To support its future growth, Security Bank made significant investments in its infrastructure. The bank reported that its operating expenses increased by 20 percent, a move it attributes to strategic spending on technology upgrades and expanding its workforce. Despite this increased spending, the bank improved its operational efficiency, as evidenced by a better cost-to-income ratio of 58.1 percent.
On the lending front, the bank's total loan portfolio expanded by eight percent. This growth was overwhelmingly powered by the retail segment, where lending skyrocketed by an impressive 24 percent. This indicates a successful strategy to capture more business from individual consumers and small businesses. Mirroring this growth, the bank's deposit base also saw a remarkable 25 percent increase, reflecting strong customer confidence and an expanded funding base.
Rewarding Shareholders and Future Outlook
In a direct benefit to its investors, the board of Security Bank declared a second-semester dividend of P1.50 per share. This decision underscores the bank's strong financial position and its commitment to sharing its success with shareholders. The combined results for the first nine months of 2025 paint a picture of a bank successfully executing its strategy, balancing growth investments with profitability, and capitalizing on strong market demand in the retail sector.
