PSE:BPI Income Statement

Financials in millions PHP. Fiscal year is January - December.

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	-	159,594	120,900	84,909	72,225
Interest Income on Investments	-	30,360	24,672	18,359	12,392
Total Interest Income	-	189,954	145,572	103,268	84,617
Interest Paid on Deposits	-	53,181	36,027	14,821	10,168
Interest Paid on Borrowings	-	9,187	5,195	3,381	4,866
Total Interest Expense	-	62,368	41,222	18,202	15,034
Net Interest Income	148,030	127,586	104,350	85,066	69,583
Net Interest Income Growth (YoY)	16.02%	22.27%	22.67%	22.25%	-3.71%
Income From Trading Activities	8,290	3,293	1,919	857	97
Gain (Loss) on Sale of Assets	-	247	407	5,303	477
Gain (Loss) on Sale of Investments	-	4	2	214	1,513
Gain (Loss) on Sale of Equity Investments	-	2,738	1,372	1,055	1,086
Other Non-Interest Income	38,730	36,270	30,270	26,030	24,649
Total Non-Interest Income	47,020	42,552	33,970	33,459	27,822
Non-Interest Income Growth (YoY)	10.50%	25.26%	1.53%	20.26%	-6.19%
Revenues Before Loan Losses	195,050	170,138	138,320	118,525	97,405
Provision for Loan Losses	17,750	6,600	4,000	9,167	13,135
Revenue	177,300	163,538	134,320	109,358	84,270
Revenue Growth (YoY)	8.42%	21.75%	22.83%	29.77%	14.00%
Salaries and Employee Benefits	30,300	28,971	23,305	19,536	18,569
Occupancy Expenses	-	24,171	21,514	18,761	16,010
Selling, General & Administrative	27,900	4,925	4,538	2,385	929
Other Non-Interest Expense	33,910	24,501	18,917	16,959	14,852
Total Non-Interest Expense	92,110	82,568	68,274	57,641	50,360
EBT Excluding Unusual Items	85,190	80,970	66,046	51,717	33,910
Legal Settlements	-	-665	-477	-349	-373
Other Unusual Items	-	1	1	-	-
Pretax Income	85,190	79,743	65,211	51,368	33,537
Income Tax Expense	18,570	17,503	13,299	11,532	9,427
Earnings From Continuing Operations	66,620	62,240	51,912	39,836	24,110
Minority Interest in Earnings	-	-191	-225	-231	-230
Net Income	66,620	62,049	51,687	39,605	23,880
Net Income to Common	66,620	62,049	51,687	39,605	23,880
Net Income Growth	7.37%	20.05%	30.51%	65.85%	11.54%
Basic Shares Outstanding	5,279	5,266	4,741	4,918	4,918
Diluted Shares Outstanding	5,279	5,266	4,741	4,918	4,918
Shares Change (YoY)	0.24%	11.07%	-3.59%	-	-
EPS (Basic)	12.62	11.78	10.90	8.05	4.86
EPS (Diluted)	12.62	11.78	10.90	8.05	4.86
EPS Growth	7.10%	8.08%	35.37%	65.85%	11.54%
Dividend Per Share	4.360	3.960	3.360	1.946	1.652
Dividend Growth	10.10%	17.86%	72.70%	17.78%	-
Effective Tax Rate	21.80%	21.95%	20.39%	22.45%	28.11%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.