GoTyme Bank Corp., the digital bank arm of the Gokongwei Group, is projecting a sustained, rapid growth pace for next year, forecasting a 50 percent expansion in loans and adding at least three million new clients in 2026.

In an interview, GoTyme Founder and CEO Nathaniel Clarke said the bank aims to grow its loan books by 50 percent in 2026, building on a doubling of its loan portfolio this year to ₱6 billion from ₱3 billion in 2024.

“In the next few years, we’re forecasting more than 50 percent growth on the financial metrics,” Clarke said. “On the customer side, we want to continue to grow at over three million per year, similar to what we've done this year and the last two years.”

He noted that the bank currently adds 250,000 to 300,000 new customers per month, putting it on track to reach between 11 million and 12 million by the end of 2026.

“By the middle of next year, we'll be 10 million. I said when we launched the bank, it's going to take five years to reach 10 million. We're going to do it in three and a half years,” Clarke stated.

GoTyme currently serves eight million subscribers and expects to close the year with 8.3 million customers. The bank had earlier targeted nine million users by the end of 2025.

“We were hoping we were going to go to 350,000 [new customers] per month. I think we’ve crossed 300,000 a couple of times, but we had a couple of soft months with the typhoons,” Clarke explained.

Meanwhile, the CEO emphasized a focus on product expansion: “We're very happy with growth. I think now we're very much focused on expanding the credit products, lending products, investment products, and remittance.”

GoTyme is also broadening its services to include local equities, partnering with DragonFi Securities to roll out the service in the first quarter of 2026.

“We just fully rolled out crypto over the last month. We always start with one percent of the customer base, then 10 percent, and now 100 percent of the customer base can access crypto trading, and the next step is local stocks,” he said.