Makati Finance 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 and Dividend Income	165.83	177.48	183.66	175.17	158.98	174.72
Total Interest Expense	34.66	36.94	38.12	34.65	33.13	35.88
Net Interest Income	131.17	140.54	145.54	140.52	125.85	138.83
Gain (Loss) on Sale of Investments	-	-	21.57	-	-	-
Revenue Before Loan Losses	145.17	153.78	176.14	148.95	130.54	144.94
Provision for Loan Losses	18.15	18.6	19.35	32.18	18.84	16.32
Revenue	127.02	135.18	156.79	116.77	111.69	128.62
Revenue Growth (YoY)	-22.74%	-13.78%	34.27%	4.55%	-13.16%	15.39%
Salaries & Employee Benefits	63.92	63.42	64.27	56.75	60.61	59.46
Cost of Services Provided	24.63	24.47	38.84	20.57	25.65	26.4
Other Operating Expenses	23.7	26.7	36.33	10.13	14.32	27.57
Total Operating Expenses	127.42	129.11	156.05	104.33	112.89	125.46
Operating Income	-0.4	6.07	0.74	12.44	-1.2	3.16
EBT Excluding Unusual Items	-60.94	8.79	19.87	12.44	-1.2	20.57
Pretax Income	-54.99	14.74	24.32	17.26	23.41	25
Income Tax Expense	2.35	4.42	9.86	4.34	5.55	15.29
Net Income	-57.34	10.32	14.46	12.92	17.85	9.7
Net Income to Common	-57.34	10.32	14.46	12.92	17.85	9.7
Net Income Growth	-	-28.66%	11.91%	-27.61%	83.97%	-10.37%
Shares Outstanding (Basic)	276	276	276	276	271	275
Shares Outstanding (Diluted)	276	276	276	276	271	275
Shares Change (YoY)	-	-	-	1.71%	-1.24%	0.47%
EPS (Basic)	-0.21	0.04	0.05	0.05	0.07	0.04
EPS (Diluted)	-0.21	0.04	0.05	0.05	0.07	0.04
EPS Growth	-	-24.66%	5.95%	-28.83%	86.27%	-10.79%
Free Cash Flow	150.11	131.05	-66.19	-42.18	77.47	132.15
Free Cash Flow Per Share	0.54	0.47	-0.24	-0.15	0.28	0.48
Dividend Per Share	-	-	0.008	0.007	0.010	0.005
Dividend Growth	-	-	12.86%	-27.83%	83.02%	-10.17%
Operating Margin	-0.32%	4.49%	0.47%	10.66%	-1.07%	2.46%
Profit Margin	-45.15%	7.63%	9.22%	11.07%	15.98%	7.54%
Free Cash Flow Margin	118.18%	96.94%	-42.22%	-36.12%	69.36%	102.74%
Effective Tax Rate	-	30.02%	40.53%	25.13%	23.72%	61.18%