Message from the President

Greetings and welcome to the Chamber of Thrift Banks’ official website. This platform has been thoughtfully designed to serve as a comprehensive and accessible resource for our members, partners, and the communities we serve.

Through this website, you will find updates on CTB’s activities, programs, and advocacies, as well as timely insights on developments affecting the thrift banking sector. More importantly, this platform supports our mission to foster collaboration, innovation, and continuous engagement among our members—while reinforcing the vital role of thrift banks in promoting financial inclusion across the country.

As we enter 2026, CTB reaffirms its commitment to supporting the Bangko Sentral ng Pilipinas’ vision of a safe, inclusive, and digitally enabled financial system. Thrift banks play a critical role in serving Filipino households, MSMEs, and communities, particularly in the countryside. Yet, we operate in an environment shaped by rapid digitalization, evolving consumer expectations, and increasing competition from both traditional and non-bank financial players.

Guided by CTB’s 2026 Business Plan, we aim to help our members evolve into hybrid banks—institutions that build on their traditional strengths of sound credit discipline, strong governance, and community presence, while embracing digital transformation and responsibly harnessing data and artificial intelligence. Digitalization and AI are no longer optional; they are essential to relevance, resilience, and long-term sustainability.

In close alignment with BSP policy priorities, CTB’s initiatives this year will focus on advancing financial inclusion, digital payments and 24/7 settlement systems, consumer empowerment, data governance, cybersecurity, ESG, and responsible AI adoption. These priorities will be reflected in our General Membership Meetings, webinars, and Annual Convention, which will continue to serve as platforms for learning, dialogue, and collective advocacy.

We have also prioritized user experience and security in this website to ensure that all visitors can navigate the platform with ease and confidence. Your feedback is invaluable in helping us improve this site and strengthen engagement within our community.

Thank you for your continued support and dedication to the thrift banking sector. Together, through collaboration and innovation, we can ensure that thrift banks remain relevant and indispensable to the Philippine financial system—and continue building a more inclusive and resilient financial future for the communities we serve.

Warm regards,

Jaime Valentin Araneta

President

Chamber of Thrift Banks