35 Years In:

A Fresh Focus

2025 Annual & Sustainability Report

About the Cover

For thirty-five years, JG Summit has worked to become a stronghold in the Philippine business landscape. Its progress today is the direct result of the group’s deliberate imperatives: investment in world-class talent, a commitment to sound governance, and relentless growth-building across its core industries.

In 2025, JG Summit didn’t just celebrate milestones and fortify its structure; it refreshed its strategies and recalibrated its portfolio to reflect the realities of an ever-changing operating environment. These decisions were driven by its dedication to continue creating value for its stakeholders—strengthening JG Summit as a whole by prioritizing discipline, focus, and performance as it manages its assets and drives capital allocation decisions.

With that clarity, JG Summit has reaffirmed a simple truth: how it grows matters. It continues to anchor on sustainability as a core enabler—optimizing efficiency, strengthening operations, and translating responsible growth into measurable value.

Core Businesses & Ecosystem Expansion

JGSHI strengthened its scale and leadership by expanding capacity and investing in assets while recovering demand. It also enhanced customer access, efficiency, and connectivity to support growth in financial services, logistics electrification, and aviation infrastructure.

Strategic Business Units

  • URC’s focused on volume-based growth across its domestic business and market shares, especially in challenged categories. Aside from this, it ramped up the utilization of its flour mill in Sariaya, Quezon, which is expected to contribute to future growth in its Commodities division, and continued investing in its Malvar Mega Plant in Batangas.
  • RLC’s malls and hotels continued to thrive, helping the total business grow amidst an oversupply in the residential and office segments. RLC opened its 56th mall in Pagadian City, Zamboanga del Sur and also broke ground for the Helios Pickleball Center in Bridgetowne.
  • CEB expanded its fleet to 100 aircraft, allowing it to sustain its operations despite capacity constraints that affected airlines across the world, continue offering no-frills flights to the Philippines’ strengthening middle class, and maintain its domestic market leadership.

Ecosystem Plays

  • GoTyme broadened access to financial services for its customers, launching buy now pay later, inward remittance, cryptocurrency trading, and virtual cards.
  • DSSI invested in its own electric vehicles, enhancing service delivery and operational flexibility as well as supporting long-term sustainability objectives, working towards becoming a pioneer in the Philippine trucking industry.
  • LIPAD welcomed more passengers and flights as turboprop operations began shifting to the Clark Airport, advancing inter-island connectivity and decongesting the Manila Airport.

About the Report

Reporting Scope and Boundary

This Sustainability Report presents the material financial and nonfinancial sustainability information of JG Summit Holdings, Inc. for the period January 1 to December 31, 2025. It covers the Group’s Economic, Environmental, Social, and Governance (EESG) performance and includes consolidated disclosures, where applicable and available, from its three strategic business units: Universal Robina Corporation, Cebu Air, Inc., and Robinsons Land Corporation.

Environmental and Social disclosures are limited to these three strategic business units and reflect the applicable reporting boundary in accordance with Securities and Exchange Commission (SEC) guidelines.

Reporting Standards and Frameworks

This report has been prepared in accordance with:

  • Global Reporting Initiative (GRI) Standards
  • SEC Sustainability Reporting Guidelines for Publicly Listed Companies (December 2025)
  • IFRS Sustainability Disclosure Standards, including IFRS S1 (General Requirements for Sustainability-related Financial Information) and IFRS S2 (Climate-related Disclosures)

The Group began aligning its climate disclosures with the Task Force on Climate-related Financial Disclosures (TCFD) in 2022 and subsequently transitioned to IFRS S1 and S2 beginning in 2023. The Company’s sustainability priorities are also aligned with the United Nations Sustainable Development Goals (UN SDGs).

Governance, Review, and Approval

This report was reviewed by Executive Management, endorsed by the Board level Sustainability Committee, and approved by the Board of Directors. A Corporate Secretary’s Certification, confirming Board approval, is provided in the Annex E of this report.

Forward-Looking Statements

This report contains forward-looking statements based on current expectations, plans, and projections. These statements are subject to risks and uncertainties that may cause actual results to differ materially. Forward-looking statements are made as of the date of publication, and the Company undertakes no obligation to update them.

Message to Shareholders

“Today, our portfolio is a result of all the strategic moves we have made over the past three and a half decades. As I reflect on how far we have come since our humble beginnings, I am filled with gratitude for all who have worked alongside us and supported us, making JG Summit the conglomerate it is today.”

James L. Go
Chairman

Read the Message

“With a fresh focus from our parent transformation and caution given the heightened global uncertainty, we approach 2026 in a prudent and disciplined manner. This means we prioritize protecting our cash flow, reinforcing our balance sheet, and making our operations as efficient as possible.”

Lance Y. Gokongwei
President & CEO

Read the Report

At a Glance

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FY Revenue

in PHP billion
Total revenues from continuing operations have consistently grown over the past five years

Cash Dividends

Per common share
Steady dividends were provided to shareholders

Core Net Income

in PHP billion
Core net income declined by 11% vs last year, with the absence of the bank merger gain recognized in 2024, but slightly cushioned by the gain on the engines received by our airline in 2025
36.3B

Total Assets

in PHP billion

Current Ratio

Debt-to-Equity Ratio