BusinessWorld’s 4th Quarterly Banking Report for 2025 explores the impact of the flood-control corruption scandal on the Philippine banking sector. It also highlights how investors navigated the scandal, as many shifted toward liquidity and capital preservation through money market products and offshore diversification. Also covered in this report are vital developments within the sector concerning governance and financial stability, particularly BSP Circulars No. 1218 and 1230, which tightened standards on large value cash transactions, and the proposed Citizens Access and Disclosure for National Accountability (CADENA) Act, which seeks to utilize blockchain technology to create a transparent, immutable ledger for tracking public funds. The latest financial markets outlook and bank stocks prospects complete the issue.