Salmon Co-Founders Raffy Montemayor and Pavel Fedorov with “Bank
On It” campaign ambassadors Gretchen Ho and Sam YG at Salmon Press Day 2025 in Makati
Smarter, Simpler, and More Rewarding Banking
Salmon’s mission is clear to make modern banking easy to use and genuinely rewarding. Every product is built to help people manage their finances better while keeping processes simple and transparent.
According to Pavel Fedorov, Co-Founder of Salmon Group, the company’s goal is to empower people to achieve their dreams through intuitive, easy-to-use products. This user-first mindset drives Salmon’s growth, ensuring every offering delivers value, security, and convenience.
Strong Foundation, Responsible Growth
Salmon Bank has shown remarkable growth over the past year, with deposits nearly tripling and loans increasing by more than 40% quarter-on-quarter. Despite this expansion, the bank maintains a capital adequacy ratio three times higher than what the Bangko Sentral ng Pilipinas (BSP) requires.
This demonstrates Salmon’s focus on responsible and sustainable banking, where trust and financial discipline go hand in hand.
“Trust is the foundation of everything we do,” said Raffy Montemayor, Co-Founder of Salmon Group and Chairperson of Salmon Bank. “We’ve earned it by keeping banking simple, transparent, and fair – and by putting people before numbers.”
Flexible Credit Line for Everyday Use
One of Salmon’s key products is the Salmon Credit Line, a flexible revolving credit solution made for everyday needs. It offers:
Salmon’s mission is clear to make modern banking easy to use and genuinely rewarding. Every product is built to help people manage their finances better while keeping processes simple and transparent.
According to Pavel Fedorov, Co-Founder of Salmon Group, the company’s goal is to empower people to achieve their dreams through intuitive, easy-to-use products. This user-first mindset drives Salmon’s growth, ensuring every offering delivers value, security, and convenience.
Strong Foundation, Responsible Growth
Salmon Bank has shown remarkable growth over the past year, with deposits nearly tripling and loans increasing by more than 40% quarter-on-quarter. Despite this expansion, the bank maintains a capital adequacy ratio three times higher than what the Bangko Sentral ng Pilipinas (BSP) requires.
This demonstrates Salmon’s focus on responsible and sustainable banking, where trust and financial discipline go hand in hand.
“Trust is the foundation of everything we do,” said Raffy Montemayor, Co-Founder of Salmon Group and Chairperson of Salmon Bank. “We’ve earned it by keeping banking simple, transparent, and fair – and by putting people before numbers.”
Flexible Credit Line for Everyday Use
One of Salmon’s key products is the Salmon Credit Line, a flexible revolving credit solution made for everyday needs. It offers:
No annual fees
Virtual card access for cashless transactions
Credit limits up to ₱100,000
Up to 62 days of no-interest grace period — one of the longest in the market
This gives users more control over their finances, letting them borrow smartly and pay back easily without hidden charges or complicated requirements.
Virtual card access for cashless transactions
Credit limits up to ₱100,000
Up to 62 days of no-interest grace period — one of the longest in the market
This gives users more control over their finances, letting them borrow smartly and pay back easily without hidden charges or complicated requirements.
Empowering Creators Through the Salmon Affiliate Platform
Salmon is also empowering the local creator community with the Salmon Affiliate Platform, the first proprietary affiliate program among banks and consumer finance companies in the Philippines. The platform allows creators and influencers to earn up to ₱500 per approved credit line application through their referral links.
It’s open to all from micro-influencers to established digital creators providing a simple and transparent way to earn extra income. With its real-time tracking dashboard, users can easily monitor referrals and payouts, making the process fast and reliable.
By merging fintech innovation with the creator economy, Salmon is not only modernizing banking but also creating new income opportunities for Filipinos in the digital space.
Financial Confidence Through Modern Banking
Salmon’s approach goes beyond offering digital tools — it’s about helping Filipinos build financial confidence. Through its secure, user-friendly app and responsible banking practices, Salmon is changing how people save, spend, and grow their money.
Every feature reflects Salmon’s belief that banking should be simple, transparent, and built on trust — giving users confidence in every transaction.
Salmon’s approach goes beyond offering digital tools — it’s about helping Filipinos build financial confidence. Through its secure, user-friendly app and responsible banking practices, Salmon is changing how people save, spend, and grow their money.
Every feature reflects Salmon’s belief that banking should be simple, transparent, and built on trust — giving users confidence in every transaction.
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