COL Financial Group 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 and Dividend Income	678.55	758.36	708.47	336.35	182.06
Total Interest Expense	3.98	4.46	6.12	5.08	5.08
Net Interest Income	674.57	753.91	702.35	331.26	176.98
Brokerage Commission	426.54	382.31	329.6	447.05	1,013
Trading & Principal Transactions	3.84	0.48	5.84	5.66	52.32
Other Revenue	60.34	52.6	47.92	46.92	75.32
Revenue Before Loan Losses	1,165	1,189	1,086	830.9	1,318
Provision for Loan Losses	-0.06	-0.12	0.16	-0.14	-1.2
Revenue	1,165	1,189	1,086	831.04	1,319
Revenue Growth (YoY)	-2.02%	9.57%	30.63%	-36.99%	22.37%
Salaries & Employee Benefits	180.79	179.14	162.78	146.02	160.21
Cost of Services Provided	337.82	343.9	303.31	292.73	325.99
Other Operating Expenses	11.17	11.53	11.77	14.76	12.4
Total Operating Expenses	570.3	574.92	525.25	506.39	559.62
Operating Income	595.04	614.49	560.3	324.65	759.21
Currency Exchange Gains	47.07	-0.32	-3.82	-0.42	-0.18
EBT Excluding Unusual Items	642.11	614.17	556.48	324.23	759.03
Gain (Loss) on Sale of Investments	-5.54	-	-	-6.43	-
Other Unusual Items	-	-	-	-	0.06
Pretax Income	636.64	613.92	556.48	317.81	759.1
Income Tax Expense	122.52	128.37	130.86	75.56	177.65
Earnings From Continuing Ops.	514.12	485.55	425.63	242.25	581.45
Minority Interest in Earnings	0.64	0.7	0.95	1.79	1.76
Net Income	514.75	486.25	426.58	244.05	583.21
Net Income to Common	514.75	486.25	426.58	244.05	583.21
Net Income Growth	5.86%	13.99%	74.79%	-58.16%	37.45%
Shares Outstanding (Basic)	5,950	5,950	5,950	5,950	5,950
Shares Outstanding (Diluted)	5,950	5,950	5,950	5,950	5,950
EPS (Basic)	0.09	0.08	0.07	0.04	0.10
EPS (Diluted)	0.09	0.08	0.07	0.04	0.10
EPS Growth	5.86%	13.99%	74.80%	-57.27%	34.62%
Free Cash Flow	60.5	353.02	-174.62	337.56	-237.06
Free Cash Flow Per Share	0.01	0.06	-0.03	0.06	-0.04
Dividend Per Share	-	0.016	0.015	0.009	0.019
Dividend Growth	-	5.37%	63.74%	-52.60%	20.00%
Operating Margin	51.06%	51.66%	51.61%	39.07%	57.57%
Profit Margin	44.17%	40.88%	39.30%	29.37%	44.22%
Free Cash Flow Margin	5.19%	29.68%	-16.09%	40.62%	-17.97%
Effective Tax Rate	19.25%	20.91%	23.52%	23.77%	23.40%
Revenue as Reported	1,169	1,194	1,092	835.98	1,323

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