Philippine Savings Bank (PSE:PSB)
Philippines · Delayed Price · Currency is PHP 58.30
-0.55 (-0.93%)
At close: Feb 9, 2026
Philippine Savings Bank Income Statement
Financials in millions PHP. Fiscal year is January - December.
Millions PHP. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Interest Income on Loans | 14,507 | 13,202 | 11,899 | 10,355 | 12,219 | 15,751 |
Interest Income on Investments | 2,748 | 3,672 | 5,725 | 3,833 | 2,145 | 1,567 |
Total Interest Income | 17,255 | 16,873 | 17,624 | 14,188 | 14,365 | 17,318 |
Interest Paid on Deposits | 4,106 | 4,475 | 5,663 | 2,811 | 1,637 | 2,772 |
Interest Paid on Borrowings | 145.67 | 100.46 | 134.91 | 325.83 | 522.77 | 793.35 |
Total Interest Expense | 4,251 | 4,576 | 5,798 | 3,137 | 2,160 | 3,565 |
Net Interest Income | 13,003 | 12,298 | 11,826 | 11,051 | 12,205 | 13,753 |
Net Interest Income Growth (YoY) | 7.08% | 3.99% | 7.02% | -9.46% | -11.26% | 21.08% |
Income From Trading Activities | 95.8 | 14.29 | 5.29 | 2.46 | 2.73 | 354.43 |
Gain (Loss) on Sale of Assets | 3.7 | 3.86 | 3.9 | 12.08 | 2.04 | 2.05 |
Gain (Loss) on Sale of Investments | - | - | - | - | 11.71 | 1,292 |
Other Non-Interest Income | 2,420 | 2,372 | 2,328 | 2,453 | 2,226 | 1,300 |
Total Non-Interest Income | 2,571 | 3,021 | 3,319 | 3,970 | 2,956 | 2,817 |
Non-Interest Income Growth (YoY) | -19.25% | -8.97% | -16.40% | 34.31% | 4.93% | -13.16% |
Revenues Before Loan Losses | 15,574 | 15,318 | 15,145 | 15,020 | 15,160 | 16,570 |
Provision for Loan Losses | 1,381 | 197.88 | 1,439 | 1,306 | 3,071 | 6,397 |
| 14,193 | 15,121 | 13,706 | 13,714 | 12,090 | 10,172 | |
Revenue Growth (YoY) | -2.55% | 10.32% | -0.06% | 13.44% | 18.85% | -17.88% |
Salaries and Employee Benefits | 4,109 | 4,089 | 3,812 | 3,641 | 3,545 | 3,636 |
Occupancy Expenses | 1,246 | 1,179 | 1,067 | 984.32 | 1,058 | 1,122 |
Amortization of Goodwill & Intangibles | 138.84 | 111.36 | 106.21 | 102.85 | 113.65 | 128.14 |
Selling, General & Administrative | 852.21 | 867.56 | 712.09 | 722.73 | 601.66 | 746.7 |
Other Non-Interest Expense | 2,742 | 2,714 | 2,952 | 3,120 | 3,105 | 3,124 |
Total Non-Interest Expense | 9,035 | 8,893 | 8,563 | 8,487 | 8,382 | 8,717 |
EBT Excluding Unusual Items | 5,158 | 6,228 | 5,143 | 5,227 | 3,708 | 1,455 |
Asset Writedown | -16.56 | -16.56 | -12.18 | - | - | - |
Legal Settlements | -256.59 | -273.38 | -242.12 | -429.97 | -442.29 | -364.65 |
Pretax Income | 4,885 | 5,938 | 4,889 | 4,797 | 3,266 | 1,091 |
Income Tax Expense | 833.28 | 729.19 | 357.96 | 1,119 | 1,726 | -17.46 |
Net Income | 4,052 | 5,208 | 4,531 | 3,678 | 1,539 | 1,108 |
Net Income to Common | 4,052 | 5,208 | 4,531 | 3,678 | 1,539 | 1,108 |
Net Income Growth | -21.55% | 14.95% | 23.18% | 138.94% | 38.92% | -63.41% |
Basic Shares Outstanding | 427 | 427 | 427 | 427 | 427 | 427 |
Diluted Shares Outstanding | 427 | 427 | 427 | 427 | 427 | 427 |
Shares Change (YoY) | - | - | - | - | - | 1.60% |
EPS (Basic) | 9.49 | 12.20 | 10.61 | 8.62 | 3.61 | 2.60 |
EPS (Diluted) | 9.49 | 12.20 | 10.61 | 8.62 | 3.61 | 2.60 |
EPS Growth | -21.55% | 14.95% | 23.18% | 138.94% | 38.92% | -63.98% |
Dividend Per Share | 3.000 | 3.000 | 3.000 | 3.000 | 3.000 | 3.000 |
Dividend Growth | - | - | - | - | - | 11.42% |
Effective Tax Rate | 17.06% | 12.28% | 7.32% | 23.32% | 52.86% | - |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.