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	Sep '26 Sep 30, 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	-	183,758	159,594	120,900	84,909	72,225
Interest Income on Investments	-	31,508	30,360	24,672	18,359	12,392
Total Interest Income	-	215,266	189,954	145,572	103,268	84,617
Interest Paid on Deposits	-	55,569	53,181	36,027	14,821	10,168
Interest Paid on Borrowings	-	11,669	9,187	5,195	3,381	4,866
Total Interest Expense	-	67,238	62,368	41,222	18,202	15,034
Net Interest Income	160,058	148,028	127,586	104,350	85,066	69,583
Net Interest Income Growth	12.08%	16.02%	22.27%	22.67%	22.25%	-3.71%
Income From Trading Activities	3,403	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	42,345	37,965	36,270	30,271	26,030	24,649
Total Non-Interest Income	49,199	47,249	42,552	33,971	33,459	27,822
Non-Interest Income Growth	12.05%	11.04%	25.26%	1.53%	20.26%	-6.19%
Revenues Before Loan Losses	209,257	195,277	170,138	138,321	118,525	97,405
Provision for Loan Losses	25,880	17,750	6,600	4,000	9,167	13,135
Revenue	183,377	177,527	163,538	134,321	109,358	84,270
Revenue Growth	5.90%	8.55%	21.75%	22.83%	29.77%	14.00%
Salaries and Employee Benefits	32,275	30,275	28,971	23,305	19,536	18,569
Occupancy Expenses	26,907	26,907	24,171	21,084	18,761	16,010
Selling, General & Administrative	8,400	6,300	4,925	4,968	2,385	929
Other Non-Interest Expense	31,907	27,827	25,064	19,276	16,959	14,852
Total Non-Interest Expense	99,489	91,309	83,131	68,633	57,641	50,360
EBT Excluding Unusual Items	83,888	86,218	80,407	65,688	51,717	33,910
Legal Settlements	-796	-796	-665	-477	-349	-373
Other Unusual Items	-	-	1	-	-	-
Pretax Income	83,092	85,422	79,743	65,211	51,368	33,537
Income Tax Expense	17,825	18,575	17,503	13,299	11,532	9,427
Earnings From Continuing Operations	65,267	66,847	62,240	51,912	39,836	24,110
Minority Interest in Earnings	-232	-232	-191	-225	-231	-230
Net Income	65,035	66,615	62,049	51,687	39,605	23,880
Net Income to Common	65,035	66,615	62,049	51,687	39,605	23,880
Net Income Growth	0.76%	7.36%	20.05%	30.51%	65.85%	11.54%
Basic Shares Outstanding	5,289	5,280	5,266	4,741	4,918	4,918
Diluted Shares Outstanding	5,289	5,280	5,266	4,741	4,918	4,918
Shares Change	0.27%	0.27%	11.07%	-3.59%	-	-
EPS (Basic)	12.30	12.62	11.78	10.90	8.05	4.86
EPS (Diluted)	12.30	12.62	11.78	10.90	8.05	4.86
EPS Growth	0.48%	7.07%	8.08%	35.37%	65.85%	11.54%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	4.860	4.360	3.960	3.360	1.946	1.652
Dividend Growth	19.70%	10.10%	17.86%	72.70%	17.78%	0%
Effective Tax Rate	21.45%	21.75%	21.95%	20.39%	22.45%	28.11%