Over the past four decades, Union Bank of the Philippines has proven itself a future-forward financial services provider with a consistently high ranking in terms of profitability and efficiency. It’s a pioneer of mobile banking and digital channels in the Filipino market. UnionBank has invested in advanced technologies and digital platforms that seamlessly integrate with modern societal demands. It was the first among its peers to start a bank website, introduce a chatbot and establish a fully digital branch. It launched the country’s first electronic savings account and digitalised account opening procedures. UnionBank approaches product design and business development with the goal of improving clients’ lives through meaningful experiences. It aims to embed banking services into the fabric of daily life. It offers a wide range of personal, MSME, corporate, investment and fintech services. The bank partners with entrepreneurs to accelerate growth, facilitate connections and co-create thriving enterprises. In August 2022, UnionBank completed the acquisition of US-based Citi group’s retail banking operations in the Philippines, resulting in the addition of over 1500 employees and a million customers. The transition process is going smoothly and expected to be completed by year’s end. Union Bank of the Philippines has recorded all-time high retail sales and loan volumes. The CFI.co judging panel congratulates repeat programme winner Union Bank of the Philippines on claiming the 2023 award for Best Retail Bank (South East Asia).