Sustainability Products and Services

BPI Agribusiness provides tailored financial solutions to support the agriculture, fisheries, and rural development sectors, helping build resilient enterprises and strengthen food security across the Philippines.

Since the 1980s, BPI has supported the agriculture industry. With decades of experience, the Bank has developed a deep understanding of the unique needs, risks, and opportunities across the entire agribusiness value chain enabling it to deliver solutions that support both operational success and long‑term resilience.

Under agribusiness financing, solutions designed to support business growth include funding for:

• Business expansion and modernization
• Facility construction and upgrades
• Acquisition of fixed assets
• Working capital and seasonal requirements

BPI complements these financing solutions with a comprehensive suite of products, including short‑, medium‑, and long‑term loans; revolving and crop loans; domestic letters of credit; trust receipt lines; and export advance facilities. Together, these products provide flexible, end‑to‑end financial support that addresses the evolving needs of agribusiness clients.

Clients are supported by dedicated agribusiness product officers with deep understanding of agricultural production and rural enterprises. Working closely with relationship managers, credit officers, and clients, this specialized team helps ensure the technical, operational, and financial viability of each project.

BPI supports a broad range of agribusiness activities, including livestock and poultry, crop production and agricultural trading, aquaculture and fisheries, post-harvest and processing facilities, agritourism, renewable energy projects that support agriculture, and rural enterprises. Through strong industry knowledge, tailored financial solutions, and a steadfast commitment to national development, BPI continues to empower agribusinesses, drive inclusive rural growth, and contribute to a more food-secure future.

For more information on agri-related loans for project development, expansion, and acquisition of fixed assets and working capital, as well as agri-related loans for import and export needs, visit the Agribusiness Loans page, or send a message to the Agribusiness Team at bpiagribusiness@bpi.com.ph. 

In 2022, BPI Capital served as the mandated Lead Arranger for the world’s first Energy Transition financing deal, marking a global milestone in sustainable finance. The Php 13.7 billion deal was arranged for South Luzon Thermal Energy Corporation (SLTEC), a wholly owned subsidiary of Ayala‑led ACEN Corporation, and will facilitate the early retirement, decommissioning, and repurposing of the 246‑megawatt coal‑fired power plant. The transaction accelerates the plant’s closure by at least 15 years from its original technical lifespan and supports its transition toward renewable energy development. This landmark initiative aligns with the Ayala Group’s net‑zero commitment through 2050 and underscores BPI Capital’s role in advancing large‑scale decarbonization and clean energy capacity in the Philippines.

For inquiries, send a message to the BPI Capital at bpicapital@bpi.com.ph. 

BPI has developed a Sustainable Funding Framework under which we intend to generate funds from Green, Blue, Social, and/or Sustainability Bonds/Loans/Deposits/Transactions/Other Funding Instruments.

Net proceeds for BPI’s Green, Blue, Social, and Sustainability Bonds/Loans/Deposits/Transactions/Other Funding Instruments will be allocated to Eligible Projects in various categories that meaningfully contribute to SDGs and achieve the purpose of the issuance under the Bank’s Sustainable Funding Framework.

BPI expanded the project categories under its Framework, which provides the eligibility criteria for Green and Social Assets. The 2025 Framework version now includes 17 new project categories for a total of 23, underscoring the Bank’s commitment to enable more environmental and social projects contributing to the country’s sustainable development.

Read the BPI Sustainable Funding Framework, Annual Verification Report by DNV AS Philippines, and Year-End Reports here.

Green Saver Time Deposit is a five‑year product that channels funds exclusively to projects with clear environmental benefits, including renewable energy, energy efficiency, and green buildings. With a minimum placement of just Php 5,000, the product offers an attractive tax‑free rate while supporting environmental protection.

Driven by strong investor interest, the Bank achieved its target Green Saver Time Deposit volume in under three months.

BPI Direct BanKo, the microfinance arm of the BPI Group, advances financial inclusion by empowering underserved and underbanked self‑employed microentrepreneurs (SEMEs) across the Philippines. Through accessible, affordable, and community‑based financial solutions, BanKo supports daily business needs, strengthens financial capabilities, and helps improve quality of life while contributing to inclusive economic growth, complemented by value‑adding benefits such as access to affordable healthcare through strategic partnerships.

BanKo’s loan portfolio is designed around the cash‑flow realities of SEMEs and farmers. Its offerings include farmer financing and the NegosyoKo Loan suite—NegosyoKo Lite, NegosyoKo Loan 300, and NegosyoKo Loan 500—providing working capital matched to different business sizes. NegosyoKo Lite enables faster access to funds through a digital application, while InstaCashKo Line complements business loans by providing quick liquidity for personal or emergency needs, helping clients manage risks without disrupting their livelihoods.

Anchoring its financial inclusion ecosystem is the PondoKo Basic Deposit Account, which offers unbanked and underbanked Filipinos a simple entry point into formal banking. For customers ready to build wealth, the TODO Savings Account provides competitive interest of up to 5% per annum with full accessibility via the mobile app.

Products/Programs:

• InstaCashKo Line

• Agri NegosyoKo Loan

• NegosyoKo Loan

• PondoKo Savings

• TODO Savings

For more information, visit the BanKo website, or send a message to the BanKo Team at banko_contactcenter@bpi.com.ph. 

BPI AIA, the life insurance arm of BPI and one of the Top 5 life insurance companies in the Philippines, offers a comprehensive suite of protection and wealth solutions designed to address Filipinos’ evolving life stages and close protection gaps. Its portfolio includes BPI AIA InstaProtect, a yearly renewable group term plan that provides affordable, easy‑to‑purchase entry‑level coverage.

Beyond InstaProtect, BPI AIA also offers a broad range of life insurance products that cater to various customer segments—from individuals starting their financial journey to families and high‑net‑worth clients—delivering flexible, accessible, and tailored solutions to meet diverse protection and long‑term financial needs.

For more information, visit the InstaProtect page, or send a message to the BPI AIA Team through this website. 

BPI MS Insurance Corporation offers a suite of personal accident and general insurance solutions designed to provide affordable, practical protection for Filipinos across different lifestyles and occupations.

BPI MS BanKo Secure Assist microinsurance offers protection against damage or loss to homes and belongings arising from fire, lightning, flood, earthquake, or typhoon, while also providing coverage for accidental death or permanent disability. Complementing this are BPI MS Personal Accident insurance products that deliver cash benefits for accidental death or permanent disability, with additional support for burial expenses and calamity‑related assistance in the event of natural disasters. These offerings include PA365 for year-round accident protection; Safe Sakay, designed to address the risks faced by daily commuters; Freelancer insurance tailored for self-employed and gig workers; and Kaya Care, which provides accessible health related coverage.

Collectively, these products reflect BPI MS’s commitment to offering accessible, purpose driven protection solutions, including some of the Bank’s first targeted micro insurance products designed to meet the everyday risks faced by working Filipinos.

Product/Program:

• Freelancer

• Kaya Care

• PA365

• Safe Sakay

• Secure Assist

For more information, visit the BPI MS Insurance Corporation website.

To make remittances more seamless for overseas Filipinos to support their families back home or repatriate their own funds, the Bank introduced BPI Remit via the BPI app or BPI online, which provides an almost-real-time funds transfer from the user's US-based bank account to a PHP account in BPI . The service is fast, secure, and cost-efficient - it is free for transfers of USD 250 and above, with a low fixed fee for smaller amounts.   This initiative represents a strategic move to an origination-based digital payments model, which provides an alternative to the traditional remittance services of banks and money service companies.  Currently available only for US-based bank accounts, the service is expected to expand to additional corridors in the future.

For more information, visit the BPI Remit page.

Salary On-Demand and Sweldo On The Spot

Recognizing the need for greater financial flexibility among salaried workers, BPI introduced Salary On‑Demand  (SOD) and Sweldo On The Spot (SOS), these allow BPI Payroll clients to access a portion of their earned salary any time before their scheduled payday. Powered by the PayWage app, these services provide fast, convenient, and affordable access to funds, helping employees manage unexpected expenses.

For more information, visit the Salary On-Demand and  Sweldo On the Spot pages.

Green Solutions

Green Solutions, the first collection of eco-friendly housing & auto financing options for retail clients in the Philippines, including:

• Solar Mortgage
• Electric Vehicle (EV) and Hybrid Vehicle Financing

Solar Mortgage is designed to support homeowners in acquiring solar panels for their residences, promoting sustainable and eco-friendly energy solutions. Meanwhile, EV and Hybrid Vehicle Financing enables clients to acquire electric or hybrid vehicles, supporting the shift toward cleaner transport technologies and reduced reliance on fossil fuels as part of BPI’s commitment to sustainable and future‑ready mobility.

For more information, visit the Green Solutions page.

Housing and Auto Loans for OFWs

Build your future in the Philippines with BPI’s loan solutions designed for Overseas Filipinos. The BPI Housing Loan for OFWs makes it easier to buy, build, or improve your dream home, even while working abroad, through flexible financing options, competitive interest rates, and payment terms aligned with overseas income, with loan servicing conveniently managed through authorized representatives in the Philippines.

Complementing this is the BPI Auto Loan for OFWs, which allows you to finance a brand-new or pre-owned vehicle for your family’s use or your eventual return, offering affordable monthly payments, fast and convenient processing, and access to BPI’s trusted nationwide dealership network.

These loan solutions are made readily accessible through BPI's My Overseas Pinoy Portal, a dedicated platform that enables Overseas Filipinos to conveniently schedule virtual consultations with an account officer who can guide them throughout the loan process. The portal also features an eligibility assessment tool, a loan calculator, and an online application facility — designed to provide an efficient experience for Overseas Pinoys around the world.

For more information, visit the My Overseas Pinoy page.

LavLoans

Consumer Banking offers LavLoan program, a specialized financing solution designed to help ease the financial burden of cancer treatment. Clients can choose from a range of loan options, including housing loans, auto loans, and personal loans, allowing them to access funding that best suits their medical and personal needs, while maintaining financial stability during treatment and recovery.

For more information, visit the Loans Support page.

Motorcycle loans

BPI strengthens further the Bank’s motorcycle loan portfolio, which often serves as a key entry point for Filipinos into formal banking. By providing access to low‑cost and reliable transportation, motorcycle loans enable individuals to meet daily mobility needs while also supporting income‑generating activities such as delivery services, ride-hailing, and small-scale entrepreneurship. This empowers borrowers with practical mobility solutions while helping improve livelihoods and financial inclusion across communities.

For more information, visit the BPI Motorcycle Loan page.

Teacher’s Loans

LSB, a subsidiary of the BPI, offers Teachers’ Loans that advance financial inclusion by providing accessible financing to professionals in the Philippine education sector, guided by its purpose in uplifting teachers and strengthening communities.

As an accredited Private Lending Institution under the Automatic Payroll Deduction System, LSB ensures secure and reliable repayment aligned with teachers’ income flow. Designed to address challenges with traditional lenders, it offers a fully digital application experience—enabling teachers to apply anytime, anywhere, with minimal requirements and no need for branch visits.

Key features include loan amounts of up to PHP 2 million, competitive rates starting at 7.5%, and fast disbursement directly to the borrower’s account—supporting BPI’s goal of expanding access to its financial services.

For more information, visit the Teacher's Loans page.

Flexipay

BPI Flexipay is the bank's merchant installment program designed to help BPI Credit Cardholders manage essential and lifestyle expenses with greater flexibility. Through Flexipay, the Bank enables customers to conveniently pay for qualified purchases with a minimum of Php 3,000 into easy monthly installments across priority spending categories such as education, health and wellness, and sustainable living. This minimum spend may vary per merchant and per tenor availment.

Flexipay supports parents and students by offering installment options at participating schools, helping families manage tuition and education‑related expenses more affordably. It also promotes a healthy lifestyle through Flexipay for Health and Wellness, allowing cardholders to spread payments for medical, dental, and wellness services. In support of sustainability, BPI likewise introduced installment offerings for trusted solar panel merchants, enabling homeowners to access renewable energy solutions.

By enabling installment plans at participating partners, Flexipay empowers customers to better align spending with cash flow, making essential needs and long‑term investments more accessible through their BPI credit cards.

For more information, visit the following pages:

• FlexipayZero at Solar Panel Merchants
• Flexipay at Partner Schools
• Flexipay at Partner Health and Wellness Merchants

Business Banking caters specifically to the unique financing needs of SMEs, often regarded as the backbone of the Philippine economy, employing 63% of the country’s workforce.

The segment’s sharper focus on SMEs enables the Bank to better understand SMEs unique needs and deliver more meaningful, targeted support, reinforcing BPI’s commitment to be their growth partner in the Philippines through madali (easy), magaan (convenient), and mabilis (fast) solutions that help them achieve their aspirations and sustain long-term growth.

Business Banking offers a simplified menu of Ka-Negosyo Loans, addressing the financing requirements of SMEs from major capital expenditures such as product line expansions and property acquisitions, to day-to-day and seasonal operating expenses. These products and services are complemented by accessible and intuitive touchpoint channels, such as the Ka-Negosyo On The Go (KNOTG) digital platform which provides end-to-end online assistance in loan product selection, loan eligibility checking, and loan application.

Products/Programs: 

• Ka-Negosyo Credit Line

• Ka-Negosyo On The Go (KNOTG)

• Ka-Negosyo Ready Loan

• Ka-Negosyo SME Loan

• Ka-Negosyo SME Loan - Property Acquisition Loan

For inquiries, send a message to the Business Banking Team at bbclientservices@bpi.com.ph.

In partnership with the International Finance Corporation (IFC) of the World Bank Group, BPI was the first bank to introduce Sustainable Energy Finance (SEF) in the Philippine banking industry in 2008. The BPI SEF Program was used as a platform to help finance green projects of the private sector, with focus on Small and Medium Enterprises (SMEs).

In 2019, BPI expanded its green financing program to include sustainable agriculture alongside renewable energy, energy efficiency, and climate resilience (including green buildings), under the rebranded multi-awarded Sustainable Development Finance (SDF) Program. The program further broadened its scope by adding pollution control and sustainable water projects in 2024, reflecting the growing diversity of sustainability‑driven services offered by the Bank. The SDF program signifies BPI’s stronger commitment to the United Nations Sustainable Development Goals (UN SDGs).

Under the SDF Program, the Bank provides free technical and financial advice to both SMEs and large corporates. BPI SDF technical consultation services include as follows:

1. Valuation of project proposals/feasibility studies
2. Validation of production projections
3. Verification of project compliance to environmental standards and regulations
4. Technical training
5. Calculation of potential energy cost savings
6. Review of vendor track record
7. Other forms of assistance needed in ensuring sustainability outcomes

Through these services, BPI goes beyond financing client projects by enabling SMEs and large businesses to also contribute in mitigating environment degradation. Clients are able to reduce in-house greenhouse gas emissions, ensure reliable water systems and effective pollution control methods, and reduce risk via climate-proofing their businesses.  In the process, clients are also able to increase profitability via the savings generated from the financed green and sustainable projects.

Products/Programs:

• Renewable Energy
• Energy Efficiency
• Climate Resilience
• Sustainable Agriculture
• Sustainable Water
• Pollution Control

For more information, visit the Sustainable Development Finance page, or send a message to the Sustainable Development Finance Team at bpisdf@bpi.com.ph.

BPI Wealth offers the BPI Sustainable Fund Suite, a pioneering range of investment funds designed to achieve long-term capital growth through a diversified portfolio of global equity collective investment schemes that follow environmental, social, and corporate governance (ESG) criteria and other sustainability-driven strategies.

Built on a multi-asset, multi-theme approach, the first-of-its-kind suite empowers investors to invest with a heart—supporting companies, industries, and projects that advance green practices, climate change mitigation and adaptation, and meaningful social impact. 

Available in both USD and PHP, with minimum investments starting at USD 1,000 or PHP 1,000, the BPI Sustainable Fund Suite enables investors to grow their wealth while contributing to a more sustainable future.

Products/Programs:

• BPI Invest Sustainable Global Bond Fund-of-Funds

• BPI Invest Sustainable Global Balanced Fund-of-Funds

• BPI Invest Sustainable Global Equity Fund-of-Funds

For more information, visit the BPI Wealth page, or send a message to the BPI Wealth Team at bpiwealth@bpi.com.ph.

Read more about BPI’s sustainable products and services in the BPI Integrated Reports page.

Deposits are insured by PDIC up to ₱1 Million per depositor.