Philippine Savings 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	14,732	13,202	11,899	10,355	12,219
Interest Income on Investments	2,750	3,672	5,725	3,833	2,145
Total Interest Income	17,482	16,873	17,624	14,188	14,365
Interest Paid on Deposits	4,085	4,475	5,663	2,811	1,637
Interest Paid on Borrowings	224.33	100.46	134.91	325.83	522.77
Total Interest Expense	4,310	4,576	5,798	3,137	2,160
Net Interest Income	13,172	12,298	11,826	11,051	12,205
Net Interest Income Growth (YoY)	7.11%	3.99%	7.02%	-9.46%	-11.26%
Income From Trading Activities	412.04	14.29	5.29	2.46	2.73
Gain (Loss) on Sale of Assets	5.05	3.86	3.9	12.08	2.04
Gain (Loss) on Sale of Investments	-	-	-	-	11.71
Other Non-Interest Income	2,330	2,372	2,328	2,453	2,226
Total Non-Interest Income	2,741	3,021	3,319	3,970	2,956
Non-Interest Income Growth (YoY)	-9.25%	-8.97%	-16.40%	34.31%	4.93%
Revenues Before Loan Losses	15,914	15,318	15,145	15,020	15,160
Provision for Loan Losses	2,355	197.88	1,439	1,306	3,071
Revenue	13,559	15,121	13,706	13,714	12,090
Revenue Growth (YoY)	-10.33%	10.32%	-0.06%	13.44%	18.85%
Salaries and Employee Benefits	4,088	4,089	3,812	3,641	3,545
Occupancy Expenses	1,292	1,179	1,067	984.32	1,058
Amortization of Goodwill & Intangibles	143.5	111.36	106.21	102.85	113.65
Selling, General & Administrative	874.97	867.56	712.09	722.73	601.66
Other Non-Interest Expense	2,866	2,714	2,952	3,120	3,105
Total Non-Interest Expense	9,215	8,893	8,563	8,487	8,382
EBT Excluding Unusual Items	4,344	6,228	5,143	5,227	3,708
Asset Writedown	-8.69	-16.56	-12.18	-	-
Legal Settlements	-298.53	-273.38	-242.12	-429.97	-442.29
Pretax Income	4,036	5,938	4,889	4,797	3,266
Income Tax Expense	534.83	729.19	357.96	1,119	1,726
Net Income	3,501	5,208	4,531	3,678	1,539
Net Income to Common	3,501	5,208	4,531	3,678	1,539
Net Income Growth	-32.77%	14.95%	23.18%	138.94%	38.92%
Basic Shares Outstanding	427	427	427	427	427
Diluted Shares Outstanding	427	427	427	427	427
EPS (Basic)	8.20	12.20	10.61	8.62	3.61
EPS (Diluted)	8.20	12.20	10.61	8.62	3.61
EPS Growth	-32.77%	14.95%	23.18%	138.94%	38.92%
Dividend Per Share	3.000	3.000	3.000	3.000	3.000
Effective Tax Rate	13.25%	12.28%	7.32%	23.32%	52.86%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.