EastWest has been named Leaders in Consumer Finance Excellence Philippines 2026 by CFI.co, citing the Bank’s strong consumer business performance and continued expansion of digital channels for credit, payments, and banking services.
In its assessment, CFI.co pointed to EastWest’s consumer-weighted strategy and governance—balancing growth with underwriting discipline and investments in delivery channels. The publication cited EastWest’s 21% year-on-year net income growth in 2025 to Php 9.2 billion, alongside an improved cost-to-income ratio of 51.4% as of September 2025 (an improvement of 412 basis points).
The recognition highlights EastWest’s long-standing focus on consumer finance, serving customers across payments and cards, personal and auto loans, deposits, and digital banking through products built around real, everyday financial needs.
Jacqueline S. Fernandez, President of EastWest, said the award reflects a clear operating focus: make consumer banking easier to use while managing risk responsibly.
“In consumer finance, performance is earned every day, through customer experience, sound underwriting, and consistent execution,” Fernandez said in her interview with CFI.co. “We’ve built a franchise that can compete strongly by staying close to what customers need and being disciplined about how we grow.”
CFI.co also cited EastWest’s continued investment in digital channels that reduce friction across key consumer journeys, from application and onboarding to daily servicing and payments. These include EasyWay (mobile servicing and origination), ESTA (self-service card controls such as lock/unlock), EastWest Pay for Visa contactless payments (launched June 2023), and Komo, EastWest’s digital banking proposition designed for low-friction payments and wallet-like use cases.
Together, these platforms support a range of consumer needs, from applying for products and managing accounts to making in-store and online payments, while giving customers greater control and visibility over their transactions.
EasyWay was cited as a customer-favored mobile app that combines product applications with everyday servicing such as funds transfers, check deposits, real-time card monitoring, and bill payments.
Beyond convenience, CFI.co emphasized EastWest’s disciplined approach to scaling consumer finance through focused investments in consumer propositions and underwriting capabilities, with success measured through profitability and efficiency. The report also noted the Bank’s investments in analytics and data governance to manage consumer credit risk at scale, including for digitally acquired customers.
Fernandez added that analytics is essential as more consumer borrowing and payments move to digital channels. “In consumer finance, you need strong analytics—your radar—so you can price risk properly and keep expanding access in a way that stays sustainable. Even in higher-risk segments, if you can manage the risk and the portfolio remains net accretive, you can continue to serve real needs.”
The Bank also pointed to progress in widening access through digital onboarding. Fernandez noted that digital acquisition has increased from around five percent of new acquisitions to double digits, reflecting how digital channels are creating additional pathways for customers to access financial products. She added that broader credit bureau access helps strengthen assessment in digital lending.
Through its consumer finance business, EastWest aims to pair practical products with data and analytics-led risk management so customers can access everyday credit and payment solutions with greater convenience and control.
With the CFI.co recognition, EastWest said it will continue investing in digital experiences, analytics, and governance to scale consumer finance responsibly and improve how customers borrow, pay, and bank day to day.
