UNO Digital Bank Achieves Operating Break-Even in February 2026

Manila, Philippines - Ahead of the publication of its March 2026 balance sheet, UNO Digital Bank announces an achievement of a positive operating margin (before provisions) as of February 2026. This marks a key transition for the four-year-old bank from early-stage investment to a sustainable, growth-oriented operating model, underpinned by disciplined growth and strong execution.

Manish Bhai, President and CEO of UNO Digital Bank, remarks, “Achieving operating break-even at this stage is an important validation of our model. Our focus remains that of building a bank with strong fundamentals: that is, balancing growth with credit discipline and operational efficiency.”

Building a Resilient Digital Credit Platform

In four years, UNO has expanded formal credit access in the Philippines while maintaining strict portfolio quality and risk discipline. The bank's performance is driven by its rapid lending expansion. Total loan disbursements have reached ₱15 billion, with the bank on track to grow its active loan book to over ₱10 billion by the end of 2026.

To bridge the credit gap, UNO Digital Bank leverages a real-time underwriting engine that goes beyond traditional credit history. By analyzing modern data points, the bank can accurately assess creditworthiness for a broader range of Filipinos, providing formal credit to those often overlooked by traditional institutions.

The bank continues to strengthen its risk management capabilities, especially across fraud detection and with industry collaboration. By integrating real-time behavioral analytics with cross-industry data sharing, the bank is moving from reactive security to proactive prevention, ensuring a more resilient platform for digital credit.

“Our goal is, and has always been, to make banking simple and accessible,” Bhai adds. “We firmly believe customer value and operational discipline must go hand in hand.”

Prioritizing Security and Seamless Access

As it has from its inception, UNO Digital Bank remains dedicated to delivering a simple, secure, and accessible banking experience to all Filipinos. To further its mission of accessibility, UNO now offers free QR Ph transfers for all customers, eliminating friction for everyday digital payments.

Furthermore, as the Philippine banking industry moves toward phasing out SMS-based One-Time Passwords (OTPs), UNO Digital Bank is one of the few local institutions to combine top-tier security with zero-cost transactions.

"We recognized early on that OTPs were becoming a vulnerability," Bhai reiterates. "Since inception, our two-factor authentication (2FA) procedures have ensured our customers are protected by the highest security standards available today.”

“While we continue to support various industry integrations, our core app experience has been biometric-led from day one. This ensures our customers are protected by the most secure and seamless authentication standards available in the market today."

Looking Ahead

Kalidas Ghose, Chairman of UNO Digital Bank, states: “UNO Digital Bank is focused and on track to achieve full P&L breakeven within the current year, 2026. We are committed to scaling responsibly. Soon we will introduce new channels and products.”

Over the next six months, UNO Digital Bank will further enhance its digital experience, expand its credit offerings, and continue investing in distribution to reach a broader segment of the Filipino market.