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

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