To simplify your browsing experience, we’ll soon be migrating mayabank.ph and all its contents to maya.ph . This update will have no impact on the Maya app and you can enjoy the same great banking experience as always. Designed for everyday. made for millions. Maya is the leading digital financial services platform in the Philippines and the only one serving both consumers and businesses with a comprehensive suite of financial products and services. We help consumers spend flexibly, save securely, borrow easily, and invest confidently while giving businesses the tools to transact quickly, deposit safely, borrow seamlessly, and grow at scale. Our mission is to rewrite the rules of finance so every Filipino can live the life they want today, instead of tomorrow. how we create value Maya connects consumers and businesses in a unified, integrated ecosystem. Every transaction sharpens credit decisions, strengthens fraud protection, and personalizes the experience, creating stronger engagement as more people use it. The Maya app is designed to be a primary financial account where customers can spend flexibly, save securely, and borrow easily and invest confidently. Through Maya Business Manager and Maya Business app, business customers have access to tools to rapidly transact, conveniently deposit, seamlessly borrow, and comprehensively grow. operational highlights how we deliver everyday finance at scale Millions now rely on Maya to pay, save, borrow, and move money. Data, technology, and disciplined execution enable sustainable growth, stable funding, responsible credit expansion, and stronger customer trust. Deposits (+72% YoY) Share of all Digital Bank Loans Non-Performing Loans (NPL) Ratio Consumer banking Consumer Deposit Maya’s consumer deposit products combine everyday savings, goal-based accounts, and flexible term deposits, rewarding higher engagement with higher earnings while strengthening funding and supporting customers’ diverse financial needs. Consumer Lending Maya Bank expanded formal credit access through Maya Easy Credit, Personal Loans, and Credit Cards, providing a graduated lending journey supported by data-driven underwriting, responsible growth, and risk discipline. Maya gives me peace of mind because I can monitor my transactions on the go. I enjoy being able to tap to pay when I travel abroad through Google Pay and appreciate Maya’s reasonable transaction fees, integrated credit cards, time deposits, and convenient government services and tax payments. Maya Savings gave me the structure I needed for managing and growing my money. Monthly goals, visible progress, and clear interest requirements made saving feel practical and achievable. It’s engaging, but not intimidating. You know what you need to do to earn the interest. Martin Regulano Business Development Manager business banking Maya Bank connects payments, deposits, and lending in a single ecosystem, turning everyday transactions into funding, insights, and credit access for MSMEs and enterprises. Business Lending Maya Advance, Maya Flexi, and Maya Suki Credit provide working capital through transaction-based underwriting, aligning repayments with real cash-flow behavior. Business Deposit Business Deposits combine settlement, interest-bearing accounts, and simple onboarding—helping merchants manage cash flow and grow their business. Maya Advance helped me recover quickly when a fire destroyed my travel agency and financial services business. Because the credit line was based on my transaction history, I could access funds through the Maya Business App without extensive requirements or collateral. Today, Maya supports everything from remittances and bill payments to large group bookings. It has become the backbone of my business. Business Owner, Maramag, Bukidnon I used to feel anxious because I never knew whether I would have enough money to restock my store. Maya Advance gave me access to capital for fast-moving goods such as rice and soft drinks, which helped me build more predictable cash flow. Sari-sari Store Owner, Murcia, Negros Occidental How we manage credit Maya Bank scaled its credit franchise with data-led underwriting, responsible use of alternative data, and modern risk models, expanding access while protecting portfolio quality. Calibrated approvals, targeted collections, risk-based segmentation, and automation kept credit responsible as the portfolio grew. How we control financial crimes Maya Bank strengthened anti-fraud capabilities with enhanced governance, industry collaboration, and embedded controls—supporting scam prevention and safer lending. Recalibrated transaction monitoring, stronger watchlist screening, and continuous rule governance improved detection as volumes grew. How we operate at scale Maya expanded ownership of its technology stack, optimized onboarding processes, and strengthened data capabilities, reducing external dependency while improving operational efficiency, fraud controls, governance, and scalability. Automation, identity verification, and stronger controls improved onboarding, fulfillment, and reconciliation—with reliability that held as volumes grew. Maya expanded AI across credit, fraud, engineering, and customer operations, backed by formal governance, training, and trusted data. Shared standards, reusable technology, industry collaboration, supported consistent, reliable delivery as the organization grew.

How we know and serve our customer better Our Close-the-Loop Program turns customer feedback into measurable improvements, reinforcing trust, accountability, and continuous improvement. Self-service, automation, and AI-powered support deliver faster resolutions and simpler experiences, with human intervention for the moments that matter most. Customer Success operates within risk and compliance frameworks, with monitoring, escalation, and complaint management that keep engagement fair and transparent. corporate governance Governing the Institution As Maya Bank grows, the Corporate Governance function distills how we exercise authority, review decisions, and maintain accountability. Our Corporate Governance Manual embeds these principles across every part of the Bank. The Bank defines and implements governance standards across the organization to guide conduct and decision‑making. Every director, officer, employee, and partner is held to the same standards—in how we treat customers, regulators, partners, and the public. Four principles anchor these standards. Decision-making that treats stakeholders equitably and balances their interests. Clear roles and authorities—with individuals answerable for their decisions and outcomes. Full compliance with laws, regulations, and ethical standards that protect the Bank's reputation. Timely, accurate, and relevant disclosure that enables genuine stakeholder scrutiny. Maya protects customers and the financial system through consumer protection, independent compliance oversight, and controls that prevent financial crime. Clear terms, fair pricing, transparent disclosures, and complaint resolution aligned with BSP standards. An independent Compliance Management function, led by the Chief Compliance Officer and reporting to the Board, safeguards accountability and sound governance. Anti-money laundering, terrorism financing, and proliferation financing controls combine customer due diligence, transaction monitoring, staff training, and independent testing to detect and prevent financial crime. Independent audit and risk review functions provide assurance over governance, risk management, and controls, strengthening resilience, accountability, and stakeholder confidence. Internal Audit provides independent assurance to the Board through risk-based reviews covering governance, controls, compliance, technology, cybersecurity, fraud, resilience, data, automation, and emerging risks. The Audit Committee oversees external audit independence, scope, findings, and management actions. SyCip Gorres & Velayo & Co, a member of Ernst & Young Global Limited audits the Bank’s 2024 and 2025 financial statements. As financial activity grows, Maya Bank manages risk within clearly defined boundaries, supported by continuous monitoring, timely escalation, and disciplined oversight that sustains customer trust. Our Enterprise Risk Management framework supports sustainable growth through consistent risk identification, measurement, monitoring, control, and reporting. Maya Bank's risk governance structure assigns clear accountability across the Board, committees, and management, supporting effective oversight, regulatory compliance, and coordinated risk management under the Three Lines of Defense. Provides overall oversight of risk management, approves risk appetite, and ensures alignment with strategy, regulations, and stakeholder expectations. Oversees financial reporting, internal controls, and the effectiveness and independence of internal and external audit functions. Oversees credit strategy, underwriting standards, material credit exposures, and compliance with regulatory requirements. Oversees business continuity, disaster recovery, and crisis management preparedness for operational disruptions. Oversees risk frameworks, limits, and monitoring processes, and provides risk management recommendations to the Board. Oversees funding, liquidity, interest rate risk, and balance sheet management within established risk appetite limits. Supports the Board in fulfilling its governance responsibilities. Oversees technology, security, and privacy risks while keeping the Board informed of significant matters. The Bank applies the Three Lines of Defense model to separate risk ownership, oversight, and independent assurance. Own and manage risks within Board-approved appetite, embedding controls in daily operations. Independent functions that set frameworks, monitor exposures, challenge the first line, and escalate material issues. Independent assurance on governance, risk, and controls—reporting findings to the Audit Committee. building financial health at scale For Maya, sustainability starts with financial health—a measurable outcome of how we design products, manage risk, protect customers, and sustain safe participation over time. Maya's ESG framework applies to both Maya Bank and Maya Philippines and it guides how we manage risk, use resources, protect customers, and sustain trust—applying consistent principles across distinct regulatory environments. Three commitments translate into how financial participation is designed and governed. esg commitments Minimizing footprint through cloud native infrastructure, energy efficiency, and low carbon practices Empowering Filipino consumers and MSMEs through inclusive, secure, and accessible financial tools Embedding strong controls, data ethics, and transparency across every interaction Maya minimizes its footprint through responsible use of energy, materials, and technology. Sustainability is built into operating design, not run as a separate program. Maya promotes safe, informed participation by educating consumers, preventing fraud, and working together within the ecosystem—helping people make sound financial decisions and avoid unnecessary losses. Maya delivers inclusive access to everyday finance, embeds tools that turn participation into stronger long-term outcomes, and supports the workforce capability that delivers on these commitments.x Maya anchors accountability through ethics, data protection, risk discipline, and capability building, so responsible participation can scale. What are you looking for?