Philippines Banking Sector Report 2025-2026

The Philippine Banking System (PBS) is undergoing digital transformation facilitated by government initiatives for broader financial inclusion such as the National Strategy for Financial Inclusion (NSFI) 2022-2028, which focuses on digital systems to democratise access to financial services and products. The shift towards digital channels is evident in the fact that branch office and ATM expansion of Universal and Commercial has slowed down as more Filipinos opt for Internet-based banking services. An indication of the rapid acceptance of digital financial services, the value of transactions through Automated Clearing Houses (ACHs) grew by 47.1% y/y in 2024, much faster than the 20.7% expansion reported in 2023.

This report provides a complete and detailed analysis of the "Banking" sector for Philippines. EMIS Insights presents in-depth business intelligence in a standard format across countries and regions, providing a balanced mix between analysis and data.

What this report allows you to do:

• Understand the key elements at play in the "Banking" sector in Philippines
• Crystallise the forces both driving and restraining this sector in Philippines
• Ascertain Philippines’s position in the global sector
• Build a complete perspective on sector trade, investment and employment
• Understand the competitive landscape and who the major players are
• View M&A activity and major deals
• Gain an understanding of the regulatory environment for the sector in Philippines.
• Build a clear picture of trends, output and consumption for specific sub-sectors