The winning institution has showcased consistent growth in its consumer lending portfolio, with a compound growth rate of 26%. 

It currently offers three types of personal loans—Hooloogan, and eSALAD, via an online-offline distribution journey, including its mobile app Zuki. The institution recorded net interest margin positive of over 25%, with a credit cost of only 10%. 

This consumer finance business maintained a strong portfolio quality, with non-performing loans 29% lower than the industry average. Additionally, the financial institution has expanded geographically, particularly in the Visayas-Mindanao regions, contributing over 30% to the portfolio. 

With focus on innovation in customer onboarding and product offerings, and commitment to responsible lending, the award for Best Digital Consumer Lending in the Philippines goes to SB Finance.