Maya posts profitable Q1 on robust lending

Here's the edited blog post

Title Maya Innovations Holdings Reports Profitable Q1 2025 Performance, Driven by Robust Lending and Financial Growth

Maya Innovations Holdings Pte. Ltd., formerly PayMaya, has announced a profitable first quarter (Q1) in 2025, fueled by robust lending activity and continued leadership in deposits and payments.

According to its latest financial report, Maya revealed that loan disbursements reached nearly PHP 28 billion in January-March, bringing the cumulative total to PHP 120 billion. The company's loan-to-deposit ratio also improved to 51.1%, indicating strong credit demand and disciplined capital deployment.

We are proud to deliver strong growth across all our products, continued scaling of our integrated ecosystem, and achieving net income profitability in the first quarter of 2025, said Shailesh Baidwan, Group President and Maya Bank cofounder. This reflects the strength of our model – anchored on innovation, disciplined execution, and a clear mission to expand access to digital financial services for millions of Filipinos.

Maya's strong performance was marked by its continued dominance in deposits and payments. The company ended the quarter with PHP 43.6 billion in total deposits, roughly double that of the next largest digital bank. Asset quality remained sound, with a non-performing loan ratio of 3.8%, significantly below the digital banking industry average.

The company is also accelerating growth in its merchant business through an integrated payments and banking platform designed for large enterprises, as well as small and micro businesses. Maya processed over PHP 1 trillion in payments for merchants last year, leading the market in digital transactions. Visa has recognized Maya as the top acquirer for merchant transaction volume, underscoring their shared commitment to drive digital acceptance and cashless transactions.

Looking ahead, Maya is poised to accelerate its ecosystem growth by expanding its credit portfolio, enhancing merchant offerings, growing its consumer platform with products like credit cards, and deepening its impact by democratizing finance in the Philippines.

Key Takeaways

Maya Innovations Holdings reported a profitable Q1 2025 performance, driven by robust lending activity and strong financial growth.
Loan disbursements reached PHP 28 billion in January-March, bringing the cumulative total to PHP 120 billion.
The company's loan-to-deposit ratio improved to 51.1%, indicating strong credit demand and disciplined capital deployment.
Maya continued to dominate deposits and payments, ending the quarter with PHP 43.6 billion in total deposits.

Conclusion

Maya Innovations Holdings' profitable Q1 performance is a testament to its robust lending activity and commitment to expanding access to digital financial services for millions of Filipinos. With its strong asset quality and continued growth in merchant business, the company is well-positioned to accelerate its ecosystem growth and deepen its impact in the Philippines.

I made the following changes

Polished the tone to be more professional and objective
Made grammatical corrections and ensured proper sentence structure
Improved readability by breaking up long sentences and using shorter paragraphs
Standardized the formatting of headings and subheadings
* Removed redundant language and phrases for a more concise writing style

Edward Lance Arellano Lorilla

CEO / Co-Founder

Enjoy the little things in life. For one day, you may look back and realize they were the big things. Many of life's failures are people who did not realize how close they were to success when they gave up.