Malayan Savings Bank

What Malayan Savings Bank does

Malayan Savings Bank (MSB), legally Malayan Bank Savings and Mortgage Bank, Inc., is a privately held Philippine savings bank operating under the supervision of the Bangko Sentral ng Pilipinas with deposits insured by the PDIC up to P1 million per depositor. Founded in 2000 and headquartered in Makati City, MSB distributes retail and SME banking products through 21 branches spanning Metro Manila, Luzon, Visayas, and Mindanao, supplemented by an in-house mobile banking application (iOS/Android), an online banking portal, and a self-service online account opening portal. Its deposit franchise spans basic savings, checking, junior saver, US dollar savings, and a tiered Step Up Saver reaching 2.5%, alongside term deposits and a High Interest Account offering up to 4% per annum without lock-in. The loan book is intentionally diversified: personal loans, motorcycle and auto loans, housing loans up to P25 million, jewelry-backed loans at 1.5% per month, a DepEd-exclusive Teachers' Aid salary loan at a market-low 7% per annum, small business and SME loans with revolving and factoring lines, fleet financing, truck loans, and group salary loans.

Revenue is generated through five streams: interest income on loans (the primary), interest income on deposits, fee-based over-the-counter services, foreign exchange trading, and fixed income securities. Distribution is hybrid: traditional branch-based relationship banking for retail and SME, inside sales account officers for personal, auto, and housing loans, enterprise field sales for corporate and middle-market accounts, and self-service digital channels for routine transactions. The bank's commercial identity is built on "VIP" branch service, low minimum deposits (P100 to open), and niche products such as Teachers' Aid that leverage DepEd payroll deduction to underwrite affordable credit at the lowest stated market rate.

Name

Malayan Savings Bank

Legal name

Malayan Bank Savings and Mortgage Bank, Inc.

Website

https://malayanbank.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

Malayan Savings Bank is a BSP-regulated Philippine savings bank operating 21 branches nationwide, offering deposit products, retail and SME loans (including a niche DepEd Teachers' Aid salary loan), mobile and online banking, and over-the-counter services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Commercial Banking (522110), Finance and Insurance (52)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

Keywords

• Retail banking services
• Consumer lending products
• Savings and deposits
• Small business loans
• Mobile banking

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices21 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income - Loans: Primary revenue stream from interest charged on various loan products including personal loans, motorcycle loans, auto loans, housing loans, business loans, jewelry loans, transport loans, group salary loans, and teachers' aid loans. Interest rates vary by product and prevailing market rates.
2. Interest Income - Deposits: Interest earned from deposit accounts including savings accounts, checking accounts, and term deposits. Interest rates range from 0.1% to 4% depending on account type and balance tier.
3. Fee-based Services: Revenue from over-the-counter services, foreign exchange transactions, safety deposit boxes, payroll services, and other banking service fees.
4. Foreign Exchange Services: Revenue from buying and selling foreign currencies including USD with competitive rates and flexible payment options.
5. Fixed Income Securities: Revenue from fixed income investments including government securities, treasury bills, retail treasury bonds, and corporate bonds.

Pricing tiers

Go-to-market motion2 records

Distribution channels10 records

Marketing channels7 records

Core offering

Malayan Savings Bank (MSB) is a Philippines-based savings bank that offers deposit products (savings, checking, US dollar, term deposits, high-interest accounts), consumer and business loan products (personal, motorcycle, auto, housing, jewelry, Teachers' Aid, small business, SME, fleet, truck, and group salary loans), and supporting banking services (mobile and online banking, payroll suite, safety deposit boxes, bills payment, and foreign exchange). It operates through 21 branches nationwide, a mobile banking app, and an online account opening portal, serving retail consumers, public-sector employees, SMEs, and corporate clients.

Product overview

Malayan Savings Bank (MSB) is a Philippines-based savings bank offering a comprehensive suite of deposit, loan, and banking services. Its product portfolio spans consumer banking products including savings and checking accounts (MSB Kabuhayan Saver Account, MSB Junior Saver Account, MSB Preferred Peso Checking/Saver Account, MSB US Dollar Saver Account) and term deposit products (High-Five Time Deposit, Advanced Saver, Maxi Saver, MSB Step Up Saver Account, MSB Dollar Time Deposit, Flexi Time Deposit). The bank also offers a diverse range of loan products including Personal Loans, Motorcycle Loans, Auto Loans, Housing Loans, Jewelry Loans, Teachers' Aid, Small Business Loans, SME Loans, Fleet Financing Loans, Truck Loans, and Group Salary Loans. Supporting services include a Mobile Banking App (MSB App), MSB Online Banking, MSB Payroll Suite, Safety Deposit Boxes, Bills Payment, and Foreign Exchange Services. The bank operates 21 branches across the Philippines and is regulated by the Bangko Sentral ng Pilipinas (BSP) with deposits insured by PDIC.

Differentiator

Problem solved

Functional benefit

Products and services

• MSB Kabuhayan Saver Account Basic peso savings account requiring a P100 minimum initial deposit and P2,500 minimum daily balance to earn 0.1% per annum interest, accessible via ATM and passbook for Filipino retail customers.
• MSB Junior Saver Account Children's peso savings account requiring P100 to open and a P2,500 minimum daily balance, allowing minors to earn 0.1% per annum interest at MSB branches.
• MSB Preferred Peso Checking Account Checking account with low maintaining balance (P1,000 without auto-transfer or P5,000 with auto-transfer) earning 0.25% per annum, suited to retail and small-business transactional banking.
• MSB Preferred Peso Saver Account Flexible savings account with ATM or passbook access and a P10,000 minimum daily balance, providing retail customers a higher-tier peso savings option.
• MSB US Dollar Saver Account Foreign currency savings account requiring a USD 100 minimum initial deposit, passbook-based, allowing retail and corporate clients to hold USD balances with no interest earned.
• High Interest Account High-yield savings account offering up to 4% per annum interest (base 3.0%, middle tier 3.5%, highest tier 4.0%) with no lock-in requirement, targeting retail savers seeking liquidity plus competitive returns.
• MSB Step Up Saver Account Tiered savings account with seven balance tiers ranging from P50,000 to over P50 million and interest rates from 0.35% to 2.5% per annum, with no lock-in period, targeting higher-balance retail and corporate depositors.
• Term Deposit Account Time deposit products including High-Five Time Deposit (locked until maturity to maximize earnings), Advanced Saver (one-year upfront interest), and Maxi Saver (monthly interest payouts), offering retail and corporate customers flexible placement options.
• MSB Dollar Time Deposit US dollar time deposit offering higher interest rates than a regular USD savings account with flexible placement terms for corporate and retail customers holding foreign currency.
• MSB Flexi Time Deposit Time deposit product offering competitive interest rates with flexible placement terms, available to retail and corporate customers seeking tailored tenor choices.
• Fixed Income Securities Low-risk investment products including Government Securities (Treasury Bills, Retail Treasury Bonds, Fixed Rate Treasury Notes) and Corporate Bonds, distributed to retail and corporate investors via MSB branches.
• Foreign Exchange Services Buy and sell foreign currencies including US dollars, Hong Kong dollars, euros, Australian dollars, Japanese yen, and Singapore dollars at posted branch rates with flexible payment options for retail and corporate clients.
• Personal Loan Collateral-free personal loan for short- and long-term needs including unanticipated expenses, education, travel, and home improvement, with 12 to 36-month terms, post-dated check repayment, and a P20,000 minimum monthly salary requirement.
• Motorcycle Loan Loan product for purchasing brand-new or pre-loved motorcycles up to P300,000 with terms of 12 to 36 months, covering brands such as Honda, Kawasaki, Suzuki, Yamaha, BMW, Harley-Davidson, KTM, and MV Agusta, distributed via partner dealerships.
• Auto Loan Loan for acquiring pre-owned or brand-new vehicles with amounts starting at P100,000 and terms of 12 to 60 months for new units or 12 to 48 months for pre-owned units, at prevailing market rates.
• Housing Loan Loan product for acquiring or constructing a home with amounts from P300,000 up to P25,000,000 and repayment terms of up to 25 years at the prevailing home loan rate at approval.
• Jewelry Loan Secured loan against jewelry items with high diamond appraisal, charged at 1.5% per month, with a five-day grace period and no penalty fees, providing short-term liquidity for retail customers.
• Teachers' Aid Loan Salary loan product exclusively for DepEd public school teachers and non-teaching personnel, offering P5,000 to P1,000,000 amounts, terms of 12 to 36 months, a market-lowest 7% per annum interest rate, automatic payroll deduction, and a one-time 6% bank charge.
• Small Business Loan Loan product for small Philippine businesses including Revolving PN Line, Term Loan, Check Discounting Line, and Ready Credit Line checks for working capital and capital expenditure financing up to P10,000,000 with REM or deposit collateral.
• SME Loan Comprehensive SME loan covering revolving lines, term loans for capital expenditure and fixed assets, check discounting, standby letters of credit, and factoring, with minimum amounts of P2,000,000 and REM or CHM collateral.
• Transport Loans (Fleet Financing and Truck Loan) Loans for acquiring multiple vehicle units or fleets for business operations, including Fleet Financing (minimum P5,000,000, amount per client requirement) and Truck Loan (P500,000 to P5,000,000 for brand-new trucks), at prevailing market rates.
• Group Salary Loan Salary loan product for employees of MSB-accredited companies, offering P10,000 to P300,000 amounts with terms of 6 to 36 months, repaid via automatic salary deduction.
• MSB Mobile Banking App Mobile banking application for iOS and Android enabling retail customers to perform fund transfers via PESONet and InstaPay, pay bills, view transaction history, check balances, and access multiple MSB accounts.
• MSB Online Banking Web-based online banking platform providing account access, login authentication, OTP verification, and password management for MSB retail and business customers.
• MSB Payroll Suite Corporate payroll management service offering risk-free payroll delivery, easy monitoring, an accurate standalone program, HR information system, and an automated payroll file generator for corporate clients.
• Safety Deposit Boxes Secure in-branch storage for valuables and keepsakes available in small (P900/yr), medium (P1,000/yr), and large (P1,300/yr) box sizes, with a P3,000 key deposit.
• Bills Payment Services Over-the-counter bills payment service covering airlines, cable, internet, credit cards, electric and water utilities, government agencies (SSS, Pag-IBIG, NBI), insurance, e-commerce (Shopee, Lazada, Netflix), and telecommunications (Smart, Globe, Dito) via MSB branches.

Quantifiable outcome

• 4% interest rate on High Interest Account - highest without lock-in
• +3 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• BancNetcoreTechnology or IntegrationMalayan Savings Bank is a proud member of BancNet, enabling ATM network access and electronic banking services. This partnership allows MSB customers to access their accounts through the BancNet ATM network nationwide.
• Credit Information CorporationcoreTechnology or IntegrationMSB participates in the Loan Database administered by the Credit Information Corporation for credit information sharing and borrower evaluation. This supports KYC procedures and credit risk assessment.
• Bangko Sentral ng Pilipinas (BSP)coreOthersMalayan Savings Bank is regulated by the Bangko Sentral ng Pilipinas (BSP), the central bank of the Philippines. The bank operates under BSP supervision for consumer affairs and compliance.
• PDIC (Philippine Deposit Insurance Corporation)coreOthersDeposits are insured by PDIC up to P1 Million per depositor (as stated on main website) providing deposit insurance protection for customers.
• Partner AirlinesminorChannel Partner/ Reseller/ DistributorBills payment partners including Philippine Airlines, Cebu Pacific, and AirAsia enabling customers to pay airline tickets at MSB branches.
• Telecommunications PartnersminorChannel Partner/ Reseller/ DistributorBills payment network including Smart, Globe, and Dito for telecommunications bill payments at MSB branches.
• E-commerce PartnersminorChannel Partner/ Reseller/ DistributorE-commerce bill payment partners including Shopee, Lazada, and Netflix for convenient bill payments.
• Government Agency PartnersminorChannel Partner/ Reseller/ DistributorSSS, Pag-IBIG, and NBI for government contribution payments and clearances at MSB branches.
• Insurance PartnersminorChannel Partner/ Reseller/ DistributorFWD, Standard Insurance, and Charter Ping An for insurance premium payments.
• Real Estate PartnersminorChannel Partner/ Reseller/ DistributorSta. Lucia Land and Kaia Homes for real estate transactions and financing.
• Transportation PartnersminorChannel Partner/ Reseller/ DistributorElectronic cash partners including Grab, ShopeePay, and Gcash for digital wallet reloading at MSB branches.
• Motorcycle Dealership PartnersminorChannel Partner/ Reseller/ DistributorMotorcycle loan partnerships with dealerships offering brand new units from BMW, Harley Davidson, Honda, Kawasaki, Suzuki, Yamaha, KTM, MV Agusta (400cc and up). Customers can select and purchase through partner dealership network or choose their own.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Philippine Savings Bank (PSBank): PSBank is the savings bank arm of Metrobank and is the most directly comparable peer to MSB — a Philippine-headquartered thrift/savings bank offering deposits, consumer loans, housing loans, and branch-based service to retail and SME segments. Highly comparable in product mix and regulatory classification.
• China Bank Savings: China Bank Savings is the thrift banking arm of China Banking Corporation, offering deposit accounts, auto/pawnshop/mortgage loans, and branch banking in the Philippines. Closely mirrors MSB's product portfolio and target segments.
• BPI Family Savings Bank: BPI Family Savings Bank is the thrift subsidiary of the Bank of the Philippine Islands, focused on auto loans, housing loans, and retail deposits. Directly comparable savings-bank model serving similar consumer and SME customers.
• RCBC Savings Bank: RCBC Savings Bank is the thrift arm of Rizal Commercial Banking Corporation, providing deposit products, auto and SME loans, and motorcycle financing in the Philippines. Comparable scale and consumer/SME lending focus to MSB.

Broad incumbents

• EastWest Bank: EastWest Bank is a Philippine universal/commercial bank offering consumer loans (auto, housing, personal), SME lending, and deposit products. Comparable retail and SME lending orientation with broader product breadth than MSB.
• UnionBank of the Philippines: UnionBank is a Philippine universal bank recognized for its digital-first strategy and broader commercial banking offerings. Competes with MSB for retail deposits and SME loans while setting the digital-benchmark MSB must match.
• Security Bank: Security Bank is a mid-to-large Philippine universal bank offering retail, SME, and corporate banking with a strong branch and digital footprint. Comparable in customer targeting to MSB but operates at meaningfully larger scale.

Emerging players

• Tonik Digital Bank: Tonik is a Philippine digital-only bank offering deposits, loans, and savings products via mobile app. Represents the new competitive vector MSB faces in retail deposits and consumer credit, particularly among younger urban customers.
• Maya Bank: Maya is a Philippine digital bank (formerly PayMaya) offering deposits, payments, and consumer credit via a super-app. Disrupts the retail deposit and personal-loan segments that MSB serves.
• GCash (Mynt / Globe Fintech Innovations): GCash is the dominant Philippine e-wallet with deposit-like functionality, bill payment, and credit features. Competes with MSB for retail customer mindshare, deposits, and small-ticket loans, especially in unbanked and underbanked segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MalayanSavingsBank
• Instagraminstagram.com/malayansavingsbank
• Xx.com/malayanbank
• LinkedInlinkedin.com/company/malayansavingsbank

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Malayan Savings Bank