ASIA United Bank (AUB) and its subsidiaries on Monday reported a record net income of P12.7 billion in 2025, up 12 percent from the previous year's P11.4 billion, driven by growth in commercial lending and improved operational efficiency. The bank’s unaudited consolidated financials showed total operating income rose 9 percent year-on-year (YoY) o P23.2 billion, underpinned by a 13-percent expansion in its loan portfolio to P276 billion.AUB noted that the return of business confidence to pre-pandemic levels fueled higher loan demand. Net interest income climbed 10 percent YoY to P18.4 billion and net interest margin stood at 4.8 percent.Low-cost current…