Name

CTBC Bank Philippines

Legal name

CTBC BANK (PHILIPPINES) CORP.

Website

https://ctbcbank.com.ph

Company type

Public

Founded year

1995

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Commercial banking services
• Consumer personal loans
• Deposit and savings accounts
• Corporate cash management
• Foreign currency banking

Headquarters

HQ city

Taguig

HQ country

Philippines

HQ region

Asia

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income generated from loan portfolios including personal loans (Salary Stretch), mortgage loans, and corporate loans, offset by interest paid on deposits. The bank maintains a strong consumer finance business with high-yielding personal loan portfolios.
2. Fee-Based Income: Fees from banking services including account maintenance, transaction fees, loan processing, and cash card services. Trust and investment management fees also contribute to non-interest income.
3. Trading and Foreign Exchange Gains: Revenue from treasury operations including fixed income trading, government securities dealing (as a GSED - Government Securities Eligible Dealer), and foreign exchange transactions.
4. Trust and Investment Management: Revenue from managing trust assets, investment management accounts, and unit investment trust funds for institutional and retail customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels6 records

Core offering

CTBC Bank Philippines operates a full-service commercial bank offering peso and foreign-currency deposit products (savings, checking, time deposits), Visa debit and cash cards, personal loans (notably the Salary Stretch unsecured loan), housing and SME business loans, cash management, trade services, treasury/FX products, and trust and UITF investment products. The bank distributes through its own branch network, proprietary NetBanking and Mobile App, and partner channels such as BancNet, ECPay, LBC, and PEZA, serving both middle-income Filipino consumers and SMEs/corporates including Taiwanese investors.

Product overview

CTBC Bank (Philippines) Corp. operates as a full-service commercial bank offering a comprehensive suite of deposit, lending, cash management, investment, and trade services. The bank's product architecture consists of core banking products organized under Personal Banking and Business Banking divisions, supplemented by a Wealth Program for high-net-worth customers. Deposit products include various peso and foreign currency savings, checking, and time deposit accounts with competitive interest rates. The bank is particularly known for its consumer finance offerings, including the Salary Stretch Loan for salaried individuals and the SSS Visa Cash Card for pensioners. Digital banking is delivered through NetBanking (web) and the CTBC Bank PH Mobile App. The bank also offers Visa-branded debit and cash cards with worldwide acceptance, UITF investments, trust services, and trade finance products. Payment services include PESONet fund transfers and integration with major payment networks including BancNet, Visa, ECPay, UnionBank, and LBC Express.

Differentiator

Problem solved

Functional benefit

Products and services

• Peso Savings Account Peso-denominated savings account earning 0.125% interest, available in ATM-based (min PhP5,000 maintaining) and passbook-based (min PhP10,000 maintaining) variants for personal and commercial customers.
• Peso Checking Account Current account in Philippine pesos designed for frequent transactions, suitable for personal use and business operations.
• Peso Time Deposit Peso-denominated term deposit earning higher interest than regular savings when held for a pre-specified term until maturity; includes two- and three-year options with auto-enrollment in Premium Gold Class Program at PhP500,000.
• Dollar Savings Account US dollar-denominated savings account with a minimum initial and maintaining balance of US$100, earning 0.010% interest for customers requiring foreign currency deposits.
• Dollar Time Deposit US dollar-denominated term deposit account that earns interest when held for a specified maturity period.
• Ultimate Earner Checking Account High-yield checking account offering competitive interest rates on current account balances, requiring a PhP100,000 minimum initial deposit and maintaining balance.
• CTBC Bank Visa Debit Card EMV chip-enabled Visa debit card for ATM withdrawals, point-of-sale purchases, and online transactions, drawing funds directly from the cardholder's CTBC Bank account, accepted at over 2.7 million Visa ATMs and BancNet merchants worldwide.
• SSS Visa Cash Card Prepaid Visa cash card enabling SSS pensioners to receive retirement, disability, and death benefits electronically, usable at Visa and BancNet ATMs and merchants.
• MySaves Cash Card Electronic money card for payroll disbursements, loan proceeds, incentives, and remittances with real-time cash loading up to PhP200,000 per month, worldwide ATM access, and shopping at Visa and BancNet merchants.
• NetBanking Online banking platform providing retail and corporate customers with account management, fund transfers, bill payments, and loan services through a web interface.
• CTBC Bank PH Mobile App Mobile banking application enabling customers to access accounts, perform bill payments, manage loans, and conduct transactions on iOS and Android smartphones.
• My Family Home Loan Housing loan with fixed interest rates for individuals purchasing or refinancing residential properties.
• My Home Equity Loan Equity loan allowing homeowners to borrow against the value of their existing property for various financing needs.
• Salary Stretch Loan Multi-purpose unsecured personal loan for salaried employees, self-employed professionals, and employed doctors, with same-day processing and loan proceeds disbursed via CTBC Bank Visa Cash Card; minimum income requirements of PhP15,000 (bankers), PhP20,000 (non-bankers), PhP25,000 (call center employees).
• Back-to-Back Loan Secured loan product with collateral backing for customers requiring secured financing.
• SME Business Loan Business financing product designed for small and medium enterprises to support operational and growth requirements.
• Short-Term Loans Business banking loan products designed for short-term financing needs of corporate and SME customers.
• Corporate Salary Loan Salary loan product for corporate employees offered through employer partnerships, enabling payroll-deducted personal loans.
• Foreign Exchange Currency exchange services for customers needing to convert between Philippine pesos and foreign currencies, including US dollars.
• Peso Fixed Income Peso-denominated fixed income investment products for customers seeking yield enhancement over traditional deposit accounts.
• Unit Investment Trust Fund (UITF) Managed investment product pooling investor funds into a diversified portfolio of securities, available to personal and business banking customers.
• Investment Management Wealth management and investment advisory services for customers seeking professional portfolio management and investment guidance.
• Cash Management Services Suite of banking solutions including account information management, disbursement management, and receivables management for business customers to optimize cash flows.
• Trade Services Trade financing and services including letters of credit for import transactions, supporting business customers engaged in international trade.
• Treasury Services Foreign exchange and treasury products including FX spot transactions for business customers managing currency exposure.
• Trust Services Trust and fiduciary services including management of trust accounts and investment mandates for qualified customers.
• Payment and Remittance Domestic and international fund transfer services enabling customers to send and receive money through various channels including PESONet.
• My First Saves Savings account designed for young savers and first-time bank customers to encourage financial inclusion.

Quantifiable outcome

• Net income increased 20.84% to PhP410 million in 2010 from PhP339 million in 2009
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, minor and major.

• PEZA (Philippine Economic Zone Authority)coreStrategic or Co-development Partner · 1 January 2025CTBC Bank Philippines partnered with PEZA to propel investment opportunities in the Philippines, specifically targeting Taiwanese investors and businesses operating in Philippine economic zones.
• Hitachi AsiacoreTechnology or Integration · 1 January 2025Partnership to transform digital banking experience for corporates and SMEs, focusing on modernizing banking technology and service delivery platforms.
• Bangko Sentral ng Pilipinas (BSP)coreOthers · 1 January 2025CTBC Bank Philippines officials pay courtesy call to BSP Governor. The bank is regulated by BSP and maintains collaborative relationship for compliance and industry development.
• Philippine Business for Social Progress (PBSP)minorStrategic or Co-development Partner · 1 January 2014Through a PhP15 million grant, CTBC Bank Philippines partnered with PBSP to build disaster-resilient school buildings in Typhoon Yolanda-affected areas in Cebu.
• National Book Store Foundation, Inc. (NBSFI)minorStrategic or Co-development Partner · 1 January 2011CSR partnership for 'Better Readers. Brighter Future.' mobile library program promoting literacy among public elementary students. Joint volunteer activities and book donations.
• AiHu FoundationminorStrategic or Co-development Partner · 1 January 2011Partnership to donate computer units to educational institutions including Bulacan Polytechnic College and schools in Zamboanga del Sur.
• Taipei Economic and Cultural Office (TECO)minorStrategic or Co-development Partner · 1 January 2011Collaboration for computer unit donations to beneficiary schools in the 1st District of Zamboanga del Sur.
• LBC ExpressmajorChannel Partner/ Reseller/ Distributor · 1 January 2010LBC Express accepts over-the-counter cash payments from CTBC Bank's Salary Stretch loan borrowers in its over 800 outlets nationwide, providing convenient loan repayment options.

Scale indicators8 records

Recent moves4 records

Expansion highlights6 records

Broad incumbents

• Bank of the Philippine Islands (BPI): One of the largest Philippine universal banks, offering full-service retail, SME, and corporate banking. Comparable to CTBC as a competitor across consumer deposits, personal loans, mortgages, and SME banking, though at vastly greater scale.
• Standard Chartered Bank Philippines: Foreign bank with Philippine operations focused on corporate, institutional, and affluent retail banking, with strong trade finance and FX capabilities. Comparable to CTBC in serving cross-border corporate clients and providing trade-related products.
• HSBC Philippines: Global universal bank operating in the Philippines, providing commercial banking, trade finance, and wealth management. Comparable to CTBC's cross-border banking orientation and corporate/SME focus, though with a much broader product set and global brand.

Direct peers

• Rizal Commercial Banking Corporation (RCBC): Mid-to-large Philippine universal bank with a meaningful consumer lending book and SME focus. Comparable to CTBC in mass-market consumer and SME deposit/lending positioning, branch-network scale, and product breadth.
• Security Bank: Mid-sized Philippine universal bank with strong consumer and SME lending franchise, including salary-based personal loans. Comparable to CTBC in client profile (salaried middle-income), product mix (deposits, personal loans, mortgages), and digital banking investments.
• UnionBank of the Philippines: Philippine universal bank recognized for digital banking innovation in SME and consumer segments. Comparable to CTBC as a competitor in Philippine commercial banking with strong digital focus and aggressive SME acquisition strategy.
• East West Banking Corporation: Philippine universal bank with a strong consumer lending franchise (auto, personal, SME) and a network of branches similar in scale to CTBC. Comparable in client segment focus (mass-market salaried and SME borrowers) and deposit-based funding model.
• CIMB Bank Philippines: ASEAN regional bank with Philippine operations, focused on consumer banking, deposits, and SME lending. Comparable to CTBC as a foreign-affiliated commercial bank with regional parent backing, similar client segments, and digital banking investments.
• Maybank Philippines: Malaysian-owned foreign commercial bank operating in the Philippines, offering similar deposit, lending, and trade finance products to SMEs and consumers. Closely comparable to CTBC as another foreign bank subsidiary targeting the cross-border Malaysian-Filipino banking corridor.

Regional players

• United Overseas Bank (UOB): Singapore-headquartered regional bank with Philippine operations targeting affluent and SME segments. Comparable to CTBC as a Southeast Asian foreign bank leveraging parent-bank relationships for cross-border corporate banking and trade finance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ctbcbank.ph
• LinkedInlinkedin.com/company/ctbc-bank-philippines

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CTBC Bank Philippines