Bank of the Philippine Islands (PSE:BPI)
Philippines · Delayed Price · Currency is PHP 94.75
+1.75 (1.88%)
Last updated: Jun 5, 2026, 9:30 AM PST
PSE:BPI Income Statement
Financials in millions PHP. Fiscal year is January - December.
Millions PHP. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 188,783 | 183,758 | 159,594 | 120,900 | 84,909 | 72,225 |
Interest Income on Investments | 32,722 | 31,508 | 30,360 | 24,672 | 18,359 | 12,392 |
Total Interest Income | 221,506 | 215,266 | 189,954 | 145,572 | 103,268 | 84,617 |
Interest Paid on Deposits | 56,117 | 55,569 | 53,181 | 36,027 | 14,821 | 10,168 |
Interest Paid on Borrowings | 12,631 | 11,669 | 9,187 | 5,195 | 3,381 | 4,866 |
Total Interest Expense | 68,748 | 67,238 | 62,368 | 41,222 | 18,202 | 15,034 |
Net Interest Income | 152,758 | 148,028 | 127,586 | 104,350 | 85,066 | 69,583 |
Net Interest Income Growth (YoY) | 15.59% | 16.02% | 22.27% | 22.67% | 22.25% | -3.71% |
Income From Trading Activities | 5,835 | 5,833 | 3,293 | 1,919 | 857 | 97 |
Gain (Loss) on Sale of Assets | 417 | 417 | 247 | 407 | 5,303 | 477 |
Gain (Loss) on Sale of Investments | -171 | -171 | 4 | 2 | 214 | 1,513 |
Gain (Loss) on Sale of Equity Investments | 3,205 | 3,205 | 2,738 | 1,372 | 1,055 | 1,086 |
Other Non-Interest Income | 39,450 | 37,965 | 36,270 | 30,271 | 26,030 | 24,649 |
Total Non-Interest Income | 48,736 | 47,249 | 42,552 | 33,971 | 33,459 | 27,822 |
Non-Interest Income Growth (YoY) | 12.91% | 11.04% | 25.26% | 1.53% | 20.26% | -6.19% |
Revenues Before Loan Losses | 201,494 | 195,277 | 170,138 | 138,321 | 118,525 | 97,405 |
Provision for Loan Losses | 20,250 | 17,750 | 6,600 | 4,000 | 9,167 | 13,135 |
| 181,244 | 177,527 | 163,538 | 134,321 | 109,358 | 84,270 | |
Revenue Growth (YoY) | 8.39% | 8.55% | 21.75% | 22.83% | 29.77% | 14.00% |
Salaries and Employee Benefits | 30,884 | 30,275 | 28,971 | 23,305 | 19,536 | 18,569 |
Occupancy Expenses | 27,798 | 26,907 | 24,171 | 21,084 | 18,761 | 16,010 |
Selling, General & Administrative | 6,312 | 6,300 | 4,925 | 4,968 | 2,385 | 929 |
Other Non-Interest Expense | 29,517 | 27,827 | 25,064 | 19,276 | 16,959 | 14,852 |
Total Non-Interest Expense | 94,511 | 91,309 | 83,131 | 68,633 | 57,641 | 50,360 |
EBT Excluding Unusual Items | 86,733 | 86,218 | 80,407 | 65,688 | 51,717 | 33,910 |
Legal Settlements | -796 | -796 | -665 | -477 | -349 | -373 |
Other Unusual Items | - | - | 1 | - | - | - |
Pretax Income | 85,937 | 85,422 | 79,743 | 65,211 | 51,368 | 33,537 |
Income Tax Expense | 18,794 | 18,575 | 17,503 | 13,299 | 11,532 | 9,427 |
Earnings From Continuing Operations | 67,143 | 66,847 | 62,240 | 51,912 | 39,836 | 24,110 |
Minority Interest in Earnings | -245.41 | -232 | -191 | -225 | -231 | -230 |
Net Income | 66,897 | 66,615 | 62,049 | 51,687 | 39,605 | 23,880 |
Net Income to Common | 66,897 | 66,615 | 62,049 | 51,687 | 39,605 | 23,880 |
Net Income Growth | 5.47% | 7.36% | 20.05% | 30.51% | 65.85% | 11.54% |
Basic Shares Outstanding | 5,286 | 5,280 | 5,266 | 4,741 | 4,918 | 4,918 |
Diluted Shares Outstanding | 5,286 | 5,280 | 5,266 | 4,741 | 4,918 | 4,918 |
Shares Change (YoY) | 0.34% | 0.27% | 11.07% | -3.59% | - | - |
EPS (Basic) | 12.66 | 12.62 | 11.78 | 10.90 | 8.05 | 4.86 |
EPS (Diluted) | 12.66 | 12.62 | 11.78 | 10.90 | 8.05 | 4.86 |
EPS Growth | 5.12% | 7.07% | 8.08% | 35.37% | 65.85% | 11.54% |
Dividend Per Share | 4.360 | 4.360 | 3.960 | 3.360 | 1.946 | 1.652 |
Dividend Growth | 10.10% | 10.10% | 17.86% | 72.70% | 17.78% | - |
Effective Tax Rate | 21.87% | 21.75% | 21.95% | 20.39% | 22.45% | 28.11% |