Philippine Business Bank 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 Income on Loans	9,902	9,253	8,162	5,724	5,586
Interest Income on Investments	1,537	1,379	1,134	855.34	748.33
Total Interest Income	11,440	10,632	9,296	6,580	6,335
Interest Paid on Deposits	3,943	3,647	2,740	976.04	644.21
Interest Paid on Borrowings	244.79	320.74	134.41	56.14	194.11
Total Interest Expense	4,188	3,968	2,874	1,032	838.32
Net Interest Income	7,252	6,664	6,421	5,547	5,496
Net Interest Income Growth (YoY)	8.81%	3.79%	15.76%	0.93%	-2.33%
Income From Trading Activities	83.99	-	287.76	-	-
Gain (Loss) on Sale of Assets	-	5.67	84.61	-16.62	9.92
Other Non-Interest Income	916.08	843.49	608.18	946.19	556.01
Total Non-Interest Income	1,000	849.16	980.55	929.57	565.93
Non-Interest Income Growth (YoY)	17.77%	-13.40%	5.48%	64.25%	-51.61%
Revenues Before Loan Losses	8,252	7,514	7,402	6,477	6,062
Provision for Loan Losses	1,029	958.4	1,053	820.61	747.36
Revenue	7,222	6,555	6,349	5,656	5,315
Revenue Growth (YoY)	10.18%	3.26%	12.24%	6.42%	19.13%
Salaries and Employee Benefits	1,529	1,345	1,359	1,183	975.88
Occupancy Expenses	438.66	374.79	356.28	328.28	305.92
Selling, General & Administrative	695.67	557.19	568.86	494.53	644.99
Other Non-Interest Expense	2,044	1,831	1,676	1,731	1,557
Total Non-Interest Expense	4,707	4,108	3,960	3,737	3,484
EBT Excluding Unusual Items	2,515	2,447	2,388	1,919	1,831
Legal Settlements	-	-51.04	-49.07	-56.42	-37.74
Pretax Income	2,515	2,396	2,339	1,862	1,793
Income Tax Expense	618.95	614.03	515.33	551.03	624.73
Net Income	1,896	1,782	1,824	1,311	1,168
Preferred Dividends & Other Adjustments	-	39.6	39.6	118.8	-
Net Income to Common	1,896	1,742	1,784	1,193	1,168
Net Income Growth	6.41%	-2.30%	39.08%	12.26%	24.42%
Basic Shares Outstanding	835	819	800	644	644
Diluted Shares Outstanding	835	819	800	644	644
Shares Change (YoY)	2.03%	2.40%	24.20%	-	-
EPS (Basic)	2.27	2.13	2.23	1.85	1.81
EPS (Diluted)	2.27	2.13	2.23	1.85	1.81
EPS Growth	6.66%	-4.57%	20.37%	2.10%	24.42%
Dividend Per Share	-	0.450	0.450	0.350	-
Dividend Growth	-	-	28.57%	-	-
Effective Tax Rate	24.61%	25.63%	22.03%	29.59%	34.84%

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