Security Bank Corp. (philippines) · PSE:SECB
Security Bank Corp. (philippines) — Security Bank — Investor Day (August 2026)
24 slides from Security Bank Corp. (philippines)'s investor day presentation, Aug 27, 2026
Slide 1: Investor Day 2026: Security Bank's Three-Year Plan
6 SECURITY BANK INVESTOR DAY 2026 SECURITY BANK'S THREE-YEAR PLAN Building on 75 years of BetterBanking @®
Slide 2: A decade of deliberate expansion
A DECADE OF DELIBERATE EXPANSION The next phase is converting scale into returns. A DECADE OF DELIBERATE EXPANSION The next phase is converting scale into returns. BUILDING THE FRANCHISE LOANS DEPOSITS EQUITY 2.4x 2.7x 1.6x ₱97B ―▷ ₱154B ₱347B ―▷ ₱931B ₱290B ―▷ ₱697B 931 154 697 347 97 290 2016 2016
Slide 3: Aspiration: a fundamentally stronger returns profile by 2029
Our aspiration is a fundamentally stronger returns profile by 2029 — built on sustainable growth, cost efficiency, risk discipline, and capital resilience ROE ROA CIR CREDIT COST CET1 7.9% >12% 1.0% >1.7% 58.8% <51% 181bps <140bps 12.3% >13% FY25 to FY29 FY25 to FY29 FY25 to FY29 FY25 to FY29 FY25 t
Slide 4: Strategic Narrative
STRATEGIC NARRATIVE STRATEGIC NARRATIVE 4
Slide 5: Wealth: The affluent pool is growing and changing hands
Wealth: The affluent pool is growing and changing hands A growing affluent base, generational wealth transfer, and digital adoption expand the addressable market 01 Rising affluent households 560 Professional, entrepreneur, and family-enterprise wealth +41% CAGR expanding the addressable base. 390 0
Slide 6: Building the country's leading affluent wealth franchise
Building the country’s leading affluent wealth franchise Capturing structural wealth creation through advisory-led relationships, digital scale, and primary banking PLAY 01 PLAY 02 PLAY 03 AI-powered personalization Integrated entrepreneur + Digital-to-relationship wealth journey • Next-best-action
Slide 7: Entrepreneur: The businesses are scaling faster than their banks
Entrepreneur: The businesses are scaling faster than their banks A widening base of owner-run businesses, accelerating digital payments, and persistent credit and advisory gaps leave the market underserved 01 Growing business base SBC MSME Portfolio (2021 vs 2025) In Php’B 32.5 SMEs, professionals,
Slide 8: The primary financial partner for Philippine entrepreneurs
The primary financial partner for Philippine entrepreneurs Powering the next generation of Philippine businesses with an integrated banking, credit, and advisory platform PLAY 01 PLAY 02 PLAY 03 Business operating Simpler access to growth Proactive insights & advisory ecosystem capital • Turn transa
Slide 9: Knowing one half tells us what to offer the other
Knowing one half tells us what to offer the other Behavioral data, machine-learned next-best offers, and fulfilment on any channel — with an RM when advice is wanted START HERE STEP 01 STEP 02 Learn from behavior Offer at the right moment Transaction, channel, and life-stage data train Next-best off
Slide 10: Winning the next generation of primary banking relationships
Winning the next generation of primary banking relationships Becoming the primary financial partner of emerging affluent, wealth, and entrepreneur customers Structural opportunity to win Higher share of wallet, higher Trust and retention compound Every relationship earns its cost primary relationshi
Slide 11: C&I: Corporate returns are increasingly earned beyond the loan
C&I: Corporate returns are increasingly earned beyond the loan Energy and infra investment, capital markets demand, and fragmented working capital are creating new opportunities to earn across the corporate relationship Project Finance Trade Loans In Php’B In Php’B 76.2 20% 33.8 53.0 CAGR 16.1 11.4
Slide 12: Building a Corporate & Institutional franchise built on returns, not volume
Building a Corporate & Institutional franchise built on returns, not volume Capturing the full flow around every corporate relationship through payroll mandates, supply chain finance, and nation-building project finance PLAY 01 PLAY 02 PLAY 03 PLAY 04 Project Finance PEZA & GEC Hubs MNCs Sector Stra
Slide 13: The MUFG advantage
The MUFG advantage From foundation, to proven model, to the ambition it unlocks 01 | FOUNDATION: SBC–MUFG PARTNERSHIP 02 | PROVEN TRACK RECORD 03 | SCALE THE MODEL Leverage a differentiated local + global platform A model already delivering scalable value Replicate the proven model across MNC corrid
Slide 14: DigiBanker Pro
Transaction Banking Smarter, sophisticated platform designed to support business at every stage of growth DigiBanker Pro For Corporates & Entrepreneurs — web and mobile • Operating account, live: Balances, cash in and out, approval status across every account, 24/7 on desktop or phone • Pay and coll
Slide 15: SB App
Transaction Banking Everyday banking, done in the app. From first account to first investment SB App Personal Banking — mobile • Open without a branch: Mobile KYC and in-app CASA opening for the household side of the relationship • Save and invest: GoalSaver goal-based saving, UITF top up and redemp
Slide 16: Retail through JVs/Subs/Associate
Retail through JVs/Subs/Associate Continue to capitalize on our JVs and subsidiaries to generate accretive income, unlock value, and de-risk the balance sheet. Expanding Distribution Growing Customer Base Scale and Growth ~20k stores ~13.5 million ~PHP 10 billion 64% CAGR Growth HCPH Partner Stores
Slide 17: Strategic Narrative
STRATEGIC NARRATIVE STRATEGIC NARRATIVE 20
Slide 18: AI that is governed centrally and consumed broadly
AI that is governed centrally and consumed broadly Scattered pilots consolidate into one enterprise platform — delivering four tracks of value across the bank TODAY THE FUTURE AI experiments are scattered, duplicated, and An enterprise AI platform that is professional, has uneven governance responsi
Slide 19: The four tracks in detail
The four tracks in detail The four tracks build progressively larger productivity gains, reaching 23% across the bank by 2029 TRACK 01 TRACK 02 Technology delivery Business assistants Code generation and review, API scaffolding, legacy system analysis, One standard pattern reused for each unit's ass
Slide 20: Cost discipline on two fronts
Cost discipline on two fronts Technology that self-funds, and a workforce that grows in capability, not size. TECHNOLOGY MANPOWER From spend to return Build on existing strength • Cap new platform build • Internal mobility • Monetize existing assets • Reskill core talent • Retire duplicates / low us
Slide 21: The 2029 commitment: cheaper funding, leaner costs, better returns
The 2029 commitment Cheaper funding, leaner costs, better returns Key Metrics 2025 2027 2029 CASA ratio, % 50 Mid 50s Minimum 60 CIR, % 58.8 Mid 50s Low 50s Credit cost, bps 181 ~170 Below 140 CET 1, % 12.3 ~12.5 More than 13 ROE, % 7.9 Double digit More than 12
Slide 22: Path to double-digit ROE by 2029
Path to double-digit ROE by 2029 >12% 14.00% 12.00% 10.00% 8.00% 7.9% 6.00% 4.00% 2.00% 0.00% 2025 Grow assets Scale Subs & JVs Manage costs Improve provisions 2029
Slide 23: Investor Day 2026: Security Bank's Three-Year Plan
6 SECURITY BANK INVESTOR DAY 2026 SECURITY BANK'S THREE-YEAR PLAN Building on 75 years of BetterBanking @®
Slide 24: Forward-looking statements
Forward-looking statements This presentation is intended to provide an overview of Security Bank Corporation's business activities, financial performance, operating environment, strategic priorities, and future aspirations. It may contain forward-looking statements, including statements regarding th