UNO Digital Bank has reached an operating break-even point before provisions in February 2026.

The four-year-old institution views this financial milestone as a shift from early-stage investment towards a sustainable operating model, with expectations to achieve full profit-and-loss break-even by the end of the year.

The bank attributes its recent performance to a rapid expansion in lending, having disbursed PHP 15 billion in total loans.

UNO aims to grow its active loan book to over PHP 10 billion by the end of 2026.

To reach underserved demographics, the lender uses an underwriting engine that analyses alternative data, such as utility payments and mobile usage, to assess an individual’s creditworthiness.

Chief Executive Officer Manish Bhai stated that reaching this milestone validates their approach.

“Our focus remains that of building a bank with strong fundamentals: that is, balancing growth with credit discipline and operational efficiency,” Bhai said.

To support this growth safely, the bank is focusing on proactive fraud prevention through real-time behavioural analytics and cross-industry data sharing.

Furthermore, the platform utilises biometric authentication instead of SMS-based one-time passwords, which Bhai noted were increasingly becoming a security vulnerability.

The digital bank has also introduced free QR Ph transfers for all customers to improve accessibility.

Chairman Kalidas Ghose confirmed plans to launch new products, enhance the digital platform, and expand credit distribution channels over the next six months.

Featured image: Edited by Fintech News Philippines based on an image by Borin via Freepik.