BPI reinforces financial inclusion at the heart of sustainable progress

The Bank of the Philippine Islands (BPI) continues to strengthen its commitment to financial inclusion, positioning accessible banking services, financial education, and inclusive economic opportunities as key drivers of sustainable progress for more underserved Filipinos.

Anchored on this year’s Sustainability Awareness Month (SAM) theme, Sustainable Progress for All, BPI reinforces its mission of building a better Philippines by scaling access to financial services and empowering more Filipinos across the country to participate meaningfully in the formal economy.

“At BPI, we believe that financial inclusion is at the center of our sustainability efforts. Our goal is to make everyday banking more accessible, relevant, and empowering for every Filipino, especially those who are underserved,” said Eric Luchangco, Chief Finance Officer and Chief Sustainability Officer at BPI.

BPI strengthens its support for the underserved, or those who are not able to maximize BPI’s banking services, through every day banking solutions or microfinance and small and medium enterprise (SME) initiatives. In 2025, BPI disbursed Php 24 billion in microfinance loans to self-employed micro-entrepreneurs (SEMEs) and grew its SME loan portfolio by 80% to Php 64 billion in outstanding loans, helping expand livelihood and business opportunities for Filipinos nationwide.

Through BanKo, BPI’s microfinance arm, and other digital platforms, the Bank continues to provide accessible financial solutions tailored for everyday Filipinos, particularly those in far-flung communities and the informal sector. Meanwhile, Legazpi Savings Bank (LSB), a BPI subsidiary, continued to strengthen its commitment to financial inclusion by serving more than 69,000 teachers nationwide. As of end 2025, LSB doubled its outstanding loan portfolio to Php 15.5 billion, reflecting its sustained support for educators through accessible and responsive financial solutions tailored to their needs.

May BPI Dito, BPI Agency Banking’s flagship program, further expanded financial access by enabling partner stores to facilitate banking transactions, bringing essential financial services closer to more Filipinos. To date, Agency Banking has over 7,000 partner stores nationwide. In 2025, the number of transactions coursed through partner stores grew by a record 400%.

“We are committed to creating opportunities that enable more Filipinos to participate confidently in the formal economy and improve their quality of life through accessible and affordable banking,” Luchangco said.

For the environment

BPI continues to pioneer sustainability innovations that support the country’s transition to a low-carbon economy. Among these is its Sustainable Development Finance (SDF) Program, launched in 2008 in partnership with International Finance Corporation (IFC). As the first and only program of its kind in the country, the SDF Program offers free technical evaluation from IFC-trained consultants and supports renewable energy and other sustainable development projects. To date, it has funded an unparallelled count of 532 projects, contributing to the reduction of an estimated 41 million tons of annual carbon dioxide equivalent (tCO2e) emissions.

BPI was also the first bank in the Philippines to have a time-bound coal phase out commitment, targeting to zero-out its coal power generation portfolio by 2032. In 2022, the Bank also launched the world’s first Energy Transition Financing Facility (ETFF), repurposing South Luzon Thermal Energy Corporation’s (SLTEC) 246 MW coal-fired power plant in Calaca, Batangas into renewable energy technology. The initiative is expected to reduce carbon emissions by an estimated 50 million tons.

Further strengthening its environmental stewardship efforts, BPI became the first bank in the country to achieve EDGE certified branches and operate bank-owned structures powered by 100% renewable energy. To date, the Bank has 56 EDGE-certified branches, along with 100 branches and four corporate offices running on 100% renewable energy.

Complementing these initiatives, BPI also continues to promote greener and more accessible mobility solutions through its auto loan offerings. With the BPI Summer Saver deals, clients who apply for and successfully avail of a BPI Auto Loan can enjoy low rates, free fuel eGCs or charging credits of up to Php 30,000, waived fees of up to Php 50,000, and free first-year motor insurance of up to Php 50,000. Motorcycle loan applicants can also benefit from prompt payment discounts of up to Php 700 per month. Successful applicants during the event will also receive a free Globe AT HOME Loop 5G, further enhancing the overall value of their application.

Meanwhile, BPI’s Auto Loan E-Vehicle Financing, customers can take advantage of flexible payment terms of up to 60 months (5 years) and a convenient loan application process when purchasing hybrid or electric vehicles.

As BPI marks Sustainability Awareness Month this June 2026, the Bank reaffirms its commitment to empowering communities through inclusive finance, ESG-focused innovations, and purpose-driven partnerships—helping create a more resilient and financially empowered Philippines for generations to come.

Visit the BPI's Sustainability page to know more of the bank's sustainability initiatives.