MAKATI CITY, Philippines — Banks have traditionally divided clients into categories: consumer, entrepreneur, affluent, corporate. Life is rarely so arranged.
The person building an investment portfolio may also be running a company. The entrepreneur seeking growth capital may be preparing a family business for the next generation. The corporation raising funds may also need to manage payroll, collections, trade, and cross-border expansion.
Security Bank believes the next era of banking will be shaped by institutions that can understand more of this complete financial picture.
The Bank is sharpening its focus on Wealth, Entrepreneur Banking, and Corporate & Institutional Banking, supported by transaction banking, digital capabilities, strategic investments and its decade-long partnership with MUFG Bank.
“The strongest banking relationships are not built around a single product or transaction,” said Victor Lee, president and CEO of Security Bank. “They are built by understanding what the client is trying to achieve and remaining relevant as those ambitions grow.”
Following the client, not the category
Nowhere is the convergence more evident than among affluent Filipinos, entrepreneurs and business-owning families.
Personal wealth and business success are often linked. Decisions about investments can sit alongside decisions about expansion, financing, ownership and succession. Yet these needs have traditionally been addressed through separate conversations.
Security Bank sees an opportunity to understand the relationship more fully.
Its wealth assets under management increased fourteenfold, from PHP40 billion in 2017 to PHP560 billion in 2025. The Bank combines personalized advice, investment solutions, trust services and digital banking to help clients build, preserve and transfer wealth.
Its MSME portfolio, meanwhile, grew from PHP13 billion in 2021 to PHP32.5 billion in 2025.
Behind those figures are clients whose needs are changing. A growing enterprise may begin with a deposit account, then require payments, collections, payroll, working capital and expansion financing. As the business succeeds, the owner may also need investment advice, estate planning and support in preparing the next generation.
“A business owner is rarely just a business owner,” Lee said. “They may also be an investor, an employer and the steward of a family legacy. When we understand the person behind the enterprise, we can have a different and much more valuable conversation.”
Beyond the corporate loan
The same principle applies at institutional scale.
Corporate banking has long been associated with the provision of capital. But financing represents only one part of a company’s financial relationship.
Every day, money moves through an enterprise as salaries, supplier payments, customer collections, trade flows, and treasury transactions. Security Bank is focused on serving more of that activity while continuing to build its capabilities in project finance and capital markets.
The Bank’s project-finance gross loans increased from PHP53 billion in 2024 to PHP76.2 billion in 2025. Trade loans more than doubled from PHP16.1 billion in 2020 to PHP33.8 billion in 2025.
Security Bank Capital brings additional project-finance and capital-markets expertise. Its partnership with MUFG combines Security Bank’s local relationships with the reach, sector knowledge, and cross-border capabilities of one of the world’s largest financial groups.
This places the Bank in a stronger position to support infrastructure, renewable energy, multinational companies, and Philippine businesses participating in international markets.
More ways to be relevant
Security Bank’s reach also extends beyond the traditional boundaries of a universal bank.
Its strategic investments participate in different moments of the Filipino financial journey. Home Credit Philippines provides consumer financing through approximately 20,000 partner stores and has served around 13.5 million customers. SB Finance offers personal, salary-linked, motorcycle, and secured financing through digital and physical channels. Mitsubishi Motors Finance Philippines provides tailored financing within the Mitsubishi Motors ecosystem.
These are distinct businesses with their own customers and propositions. Collectively, they give Security Bank exposure to a broader range of financing needs, from everyday purchases and personal liquidity to mobility and business growth.
Digital capabilities extend that reach further. The SB App supports personal banking, saving and investing on mobile, while DigiBanker Pro enables entrepreneurs and companies to manage accounts, payments, collections and approval workflows across web and mobile channels.
Security Bank is also establishing a centrally governed approach to artificial intelligence, applying it across technology delivery, business assistance, financial analysis and operations. The objective is practical: faster execution, better insight and more responsive service, with appropriate governance and human oversight.
“Technology gives clients speed and control, but trust is still built through judgment, consistency and understanding,” Lee said. “The banks that matter most will be those that can deliver both.”
As Security Bank marks its 75th year, the institution is looking beyond the boundaries that have traditionally defined banking relationships.
Its proposition is straightforward: understand more of the client, support more of what matters, and earn the right to remain relevant as a person, a business, or an institution grows.
