Bank of the Philippine Islands (PSE:BPI)

PSE:BPI Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	177,610	159,594	120,900	84,909	72,225	82,312
Interest Income on Investments	31,230	30,360	24,672	18,359	12,392	13,996
Total Interest Income	208,840	189,954	145,572	103,268	84,617	96,308
Interest Paid on Deposits	54,949	53,181	36,027	14,821	10,168	18,986
Interest Paid on Borrowings	11,088	9,187	5,195	3,381	4,866	5,058
Total Interest Expense	66,037	62,368	41,222	18,202	15,034	24,044
Net Interest Income	142,803	127,586	104,350	85,066	69,583	72,264
Net Interest Income Growth (YoY)	17.61%	22.27%	22.67%	22.25%	-3.71%	10.20%
Income From Trading Activities	3,696	3,293	1,919	857	97	3,310
Gain (Loss) on Sale of Assets	247	247	407	5,303	477	372
Gain (Loss) on Sale of Investments	4	4	2	214	1,513	4,647
Gain (Loss) on Sale of Equity Investments	2,738	2,738	1,372	1,055	1,086	487
Other Non-Interest Income	37,222	36,270	30,270	26,030	24,649	20,843
Total Non-Interest Income	43,908	42,552	33,970	33,459	27,822	29,659
Non-Interest Income Growth (YoY)	5.08%	25.26%	1.53%	20.26%	-6.19%	11.14%
Revenues Before Loan Losses	186,711	170,138	138,320	118,525	97,405	101,923
Provision for Loan Losses	13,550	6,600	4,000	9,167	13,135	28,000
Revenue	173,161	163,538	134,320	109,358	84,270	73,923
Revenue Growth (YoY)	10.01%	21.75%	22.83%	29.77%	14.00%	-14.74%
Salaries and Employee Benefits	30,593	28,971	23,305	19,536	18,569	17,958
Occupancy Expenses	26,124	24,171	21,514	18,761	16,010	14,606
Selling, General & Administrative	4,948	4,925	4,538	2,385	929	851
Other Non-Interest Expense	27,045	24,501	18,917	16,959	14,852	14,309
Total Non-Interest Expense	88,710	82,568	68,274	57,641	50,360	47,724
EBT Excluding Unusual Items	84,451	80,970	66,046	51,717	33,910	26,199
Legal Settlements	-665	-665	-477	-349	-373	-430
Other Unusual Items	1	1	1	-	-	-
Pretax Income	83,224	79,743	65,211	51,368	33,537	25,769
Income Tax Expense	18,472	17,503	13,299	11,532	9,427	3,906
Earnings From Continuing Operations	64,752	62,240	51,912	39,836	24,110	21,863
Earnings From Discontinued Operations	-	-	-	-	-	-211
Minority Interest in Earnings	-204.35	-191	-225	-231	-230	-243
Net Income	64,548	62,049	51,687	39,605	23,880	21,409
Net Income to Common	64,548	62,049	51,687	39,605	23,880	21,409
Net Income Growth	5.73%	20.05%	30.51%	65.85%	11.54%	-25.67%
Basic Shares Outstanding	5,275	5,266	4,741	4,918	4,918	4,918
Diluted Shares Outstanding	5,275	5,266	4,741	4,918	4,918	4,918
Shares Change (YoY)	5.79%	11.07%	-3.59%	-	-	0.13%
EPS (Basic)	12.24	11.78	10.90	8.05	4.86	4.35
EPS (Diluted)	12.24	11.78	10.90	8.05	4.86	4.35
EPS Growth	-0.06%	8.08%	35.37%	65.85%	11.54%	-25.77%
Dividend Per Share	4.060	3.960	3.360	1.946	1.652	1.652
Dividend Growth	10.93%	17.86%	72.70%	17.78%	-	-
Effective Tax Rate	22.20%	21.95%	20.39%	22.45%	28.11%	15.16%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.