From record profits to purpose: LANDBANK leverages 2025 historic growth to empower communities nationwide

LANDBANK closed 2025 with its strongest financial performance to date, translating record earnings into expanded financing support for agriculture, fisheries and rural development (AFRD), micro, small and medium enterprises (MSMEs), local communities, and other priority sectors.

The state-run Bank posted a 24% year-on-year increase in net income to ₱43.98 billion, driven by broad-based portfolio growth, sustained operational discipline, and proactive risk management —including strengthened credit oversight and monitoring of priority and vulnerable sectors. These measures ensure resilient, sustainable growth, reinforcing support for priority sectors while maintaining client trust.

This strong foundation allowed LANDBANK to further scale its lending, directing more than half, or 53.5% of its loan portfolio to AFRD reaching ₱896.61 billion, up 9% from the previous year, and reinforcing the Bank’s position as the country’s largest provider of agricultural credit.

“LANDBANK’s landmark performance in 2025 reinforces its role in expanding affordable financing, supporting priority sectors, and driving growth in communities across the country. As a state-run institution, LANDBANK continues to be a key partner in advancing the economy and ensuring that support reaches the grassroots,” said Finance Secretary and LANDBANK Chair Frederick D. Go.

Building on its record results, LANDBANK opened 2026 with the successful issuance of ₱50 billion in Agriculture, Sustainability, Environment, and Socioeconomic Development (ASENSO) Bonds. The strong market uptake reflected investor confidence in the Bank’s financial health and governance, enabling it to mobilize additional capital for transformative, nation building investments.

Driving growth in key sectors

“LANDBANK’s growth is not just about numbers — it’s about fulfilling our mission to uplift the sectors that sustain the nation. From small farmers and fishers to MSMEs to local communities, we are using our financial strength to create lasting impact nationwide,” said LANDBANK President and CEO Lynette V. Ortiz.

Through its AFRD financing, LANDBANK has helped modernize farming and fishing operations, boost productivity, and strengthen resilience to climate risks. The Bank has cumulatively assisted 4.26 million small farmers and fishers through direct and conduit lending, complemented by training programs and financial assistance initiatives.

Its flagship AGRISENSO Plus Lending Program has further expanded access to affordable financing, offering loans at rates as low as 3% per annum, with simplified requirements and comprehensive support services. As of end 2025, the program had released ₱3.03 billion in loans benefiting more than 14,500 borrowers.

Ilagan City farmer Gilbert Pacis said access to financing gave him renewed confidence in continuing his livelihood. “Dahil dito, hindi na kami mamomroblema sa puhunan. Nabibigyan ako ng lakas ng loob ng AGRISENSO Plus na magtanim ulit,” he said, echoing the optimism of thousands of farmers supported by the program.

Alongside its agricultural initiatives, LANDBANK sustained strong support for MSMEs, with an outstanding loan portfolio of ₱50.73 billion serving 15,375 borrowers nationwide. The Bank’s financing has enabled enterprises to expand operations, increase sales, and reach wider markets, reinforcing the sector’s role as a key driver of employment and economic activity.

To further strengthen MSME support, the Bank launched the LANDBANK Innovative Financing Thrust Towards Inclusive National Growth thru Micro, Small, and Medium Enterprises (LIFTING MSMEs) Lending Program, consolidating its MSME facilities into a single platform that streamlines processes and delivers more accessible, flexible, and inclusive financing, complemented by capacity-building and tailored banking solutions.

For TWD Trading Corp., the Bank’s financing played a pivotal role in their growth and expansion. “Malaking bagay ang LANDBANK sa financial growth namin. LANDBANK came at a very perfect moment. They helped us boost our sales and expand nationwide,” said TWD Trading Corp. President and CEO Kate Carol Iyoy.

Expanding access through physical and digital reach

Expanding its reach, LANDBANK continued to adopt a phygital approach that integrates physical service points with digital innovations to bridge financial access gaps, particularly in rural communities and geographically isolated and disadvantaged areas (GIDAs).

By end 2025, the Bank operated 10,412 service touchpoints nationwide, including 615 branches and branch-lite units, 3,268 automated teller machines (ATMs), an additional 3,882 ATMs in partner 7-Eleven stores, 236 cash deposit machines (CDMs), and 1,001 LANDBANKasama partners. Digital adoption also accelerated, with LANDBANK’s digital banking channels recording 800 million transactions, a 27% increase in volume, while total digital transaction value rose 30% year-on-year to ₱4.41 trillion.

Beyond domestic reach, LANDBANK expanded financial inclusion for overseas Filipinos through its GoBayani digital deposit account, enabling them to open accounts digitally, remit funds efficiently, and manage finances wherever they are in the world. As of end 2025, GoBayani had onboarded more than 47,500 users across 165 countries, reflecting strong demand for reliable and convenient banking solutions among Overseas Filipino Workers (OFWs).

“LANDBANK talaga ang trusted bank ko sa Pilipinas. Kaya malaking pasasalamat ko nang nalaman kong may caravan sila dito. Talagang tinulungan nila ako na makapag-open ng account,” said Maychell Aleador, an OFW in Hong Kong from Iloilo City, expressing her appreciation for the Bank’s efforts to reach Filipinos abroad.

Recognized leadership and institutional excellence

LANDBANK’s strong 2025 performance earned significant international and local recognition, affirming both its financial strength and expanding development impact. Among others, the Bank received the Euromoney Award for Best Bank for Diversity and Inclusion and was named Domestic Retail Bank of the Year by Asian Banking and Finance, alongside governance commendations from the Governance Commission for GOCCs (GCG) for its commitment to transparency, accountability, and institutional discipline.