PSE:PBC 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 Income on Loans	8,012	7,935	7,519	6,247	4,662	4,170
Interest Income on Investments	3,104	2,841	2,159	1,678	936.57	568.83
Total Interest Income	11,116	10,776	9,678	7,925	5,599	4,739
Interest Paid on Deposits	3,503	3,428	3,293	2,516	599.34	434.9
Interest Paid on Borrowings	1,279	1,219	876.18	707.33	188.99	59.1
Total Interest Expense	4,782	4,647	4,169	3,223	788.33	494
Net Interest Income	6,334	6,129	5,509	4,702	4,810	4,245
Net Interest Income Growth (YoY)	11.20%	11.25%	17.16%	-2.25%	13.33%	8.13%
Trust Income	43.28	43.45	41.31	37.35	31.76	29.23
Income From Trading Activities	283.51	341.31	452.42	128.78	-366.33	-241.6
Gain (Loss) on Sale of Assets	671.58	662.94	183.33	34.08	57.57	21.03
Other Non-Interest Income	857.98	951.53	1,109	1,061	1,029	1,031
Total Non-Interest Income	1,856	1,999	1,786	1,261	751.84	839.81
Non-Interest Income Growth (YoY)	7.55%	11.93%	41.65%	67.72%	-10.47%	-57.30%
Revenues Before Loan Losses	8,191	8,128	7,295	5,963	5,562	5,085
Provision for Loan Losses	404.1	333.45	442.72	-22.04	297.15	324.15
Revenue	7,787	7,795	6,853	5,985	5,265	4,760
Revenue Growth (YoY)	12.11%	13.75%	14.49%	13.68%	10.60%	6.40%
Salaries and Employee Benefits	1,552	1,524	1,396	1,208	1,115	1,017
Occupancy Expenses	568.99	572.01	542.92	458.87	477.58	464.56
Selling, General & Administrative	420.43	412.72	417.32	410.36	454.47	401.25
Other Non-Interest Expense	1,969	1,880	1,573	1,371	1,070	1,051
Total Non-Interest Expense	4,510	4,388	3,929	3,447	3,117	2,933
EBT Excluding Unusual Items	3,276	3,407	2,924	2,539	2,148	1,828
Asset Writedown	4.56	4.56	2.08	2.37	9.47	1.85
Legal Settlements	12.38	-	-	-	-	-
Pretax Income	3,293	3,411	2,926	2,541	2,157	1,830
Income Tax Expense	815.94	863.4	715.81	643.51	525.65	256.63
Earnings From Continuing Operations	2,477	2,548	2,210	1,898	1,632	1,573
Net Income	2,477	2,548	2,210	1,898	1,632	1,573
Net Income to Common	2,477	2,548	2,210	1,898	1,632	1,573
Net Income Growth	13.26%	15.28%	16.48%	16.30%	3.73%	34.58%
Basic Shares Outstanding	481	481	481	481	481	481
Diluted Shares Outstanding	481	481	481	481	481	481
EPS (Basic)	5.15	5.30	4.60	3.95	3.39	3.27
EPS (Diluted)	5.15	5.30	4.60	3.95	3.39	3.27
EPS Growth	13.27%	15.25%	16.48%	16.30%	3.73%	34.58%
Effective Tax Rate	24.78%	25.31%	24.46%	25.32%	24.37%	14.03%