China Bank Savings Inc (Philippines)

China Bank Savings Inc (CBS) is a Philippine thrift bank and the retail lending arm of China Banking Corporation. Operating as a savings bank, CBS offers a wide range of consumer and SME banking products, including savings and time deposits, personal and salary loans, home mortgage loans, auto loans, teachers' and pensioners' financing programs, and loans to small and medium enterprises. The bank has expanded through acquisitions and mergers, including the integration of Manila Bank, Unity Bank, and Planters Development Bank, which have strengthened its branch network and customer base. CBS operates branches and lending offices nationwide, targeting mass-market and emerging affluent customers as well as small business owners, with particular emphasis on consumer and development-oriented lending. It complements physical branches with ATM networks and digital banking channels. Strategically, China Bank Savings positions itself as a growth-oriented thrift bank focused on inclusive retail lending, SME development, and support for housing and enterprise finance, while leveraging the franchise, funding base, and risk-management framework of its parent, China Bank.