Philippine Business Bank, Inc. (PSE:PBB)

Philippine Business Bank 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	9,865	9,253	8,162	5,724	5,586	6,517
Interest Income on Investments	1,521	1,379	1,134	855.34	748.33	586.17
Total Interest Income	11,385	10,632	9,296	6,580	6,335	7,103
Interest Paid on Deposits	3,965	3,647	2,740	976.04	644.21	1,252
Interest Paid on Borrowings	302.38	320.74	134.41	56.14	194.11	223.58
Total Interest Expense	4,267	3,968	2,874	1,032	838.32	1,476
Net Interest Income	7,118	6,664	6,421	5,547	5,496	5,628
Net Interest Income Growth (YoY)	7.60%	3.79%	15.76%	0.93%	-2.33%	23.66%
Income From Trading Activities	-352.59	-	287.76	-	-	749.33
Gain (Loss) on Sale of Assets	-0.93	5.67	84.61	-16.62	9.92	3.26
Other Non-Interest Income	897.38	843.49	608.18	946.19	556.01	417
Total Non-Interest Income	543.87	849.16	980.55	929.57	565.93	1,170
Non-Interest Income Growth (YoY)	-67.60%	-13.40%	5.48%	64.25%	-51.61%	68.61%
Revenues Before Loan Losses	7,662	7,514	7,402	6,477	6,062	6,797
Provision for Loan Losses	1,033	958.4	1,053	820.61	747.36	2,336
Revenue	6,629	6,555	6,349	5,656	5,315	4,461
Revenue Growth (YoY)	-8.76%	3.26%	12.24%	6.42%	19.13%	-4.60%
Salaries and Employee Benefits	1,410	1,345	1,359	1,183	975.88	1,054
Occupancy Expenses	558.87	374.79	356.28	328.28	305.92	280.03
Selling, General & Administrative	405.74	557.19	568.86	494.53	644.99	491.92
Other Non-Interest Expense	2,070	1,831	1,676	1,731	1,557	1,418
Total Non-Interest Expense	4,445	4,108	3,960	3,737	3,484	3,244
EBT Excluding Unusual Items	2,184	2,447	2,388	1,919	1,831	1,217
Legal Settlements	-51.04	-51.04	-49.07	-56.42	-37.74	-19.74
Pretax Income	2,133	2,396	2,339	1,862	1,793	1,197
Income Tax Expense	627.31	614.03	515.33	551.03	624.73	258.38
Net Income	1,505	1,782	1,824	1,311	1,168	938.88
Preferred Dividends & Other Adjustments	39.6	39.6	39.6	118.8	-	-
Net Income to Common	1,466	1,742	1,784	1,193	1,168	938.88
Net Income Growth	-39.25%	-2.30%	39.08%	12.26%	24.42%	-25.27%
Basic Shares Outstanding	819	819	800	644	644	644
Diluted Shares Outstanding	819	819	800	644	644	644
Shares Change (YoY)	2.40%	2.40%	24.20%	-	-	-
EPS (Basic)	1.79	2.13	2.23	1.85	1.81	1.46
EPS (Diluted)	1.79	2.13	2.23	1.85	1.81	1.46
EPS Growth	-41.30%	-4.57%	20.37%	2.10%	24.42%	-11.29%
Dividend Per Share	0.450	0.450	0.450	0.350	-	-
Dividend Growth	-	-	28.57%	-	-	-
Effective Tax Rate	29.41%	25.63%	22.03%	29.59%	34.84%	21.58%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.