Philippine Trust Company 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	1,473	2,229	1,686	1,128	1,048	1,277
Interest Income on Investments	7,478	7,439	6,765	4,431	3,357	4,094
Total Interest Income	8,951	9,668	8,451	5,559	4,405	5,371
Interest Paid on Deposits	5,487	6,503	5,308	2,738	1,937	3,296
Net Interest Income	3,464	3,165	3,142	2,821	2,468	2,075
Net Interest Income Growth (YoY)	11.78%	0.73%	11.39%	14.31%	18.91%	-19.18%
Gain (Loss) on Sale of Assets	54.11	54.11	7.54	71.67	267.58	18.43
Gain (Loss) on Sale of Investments	-15.79	68.59	634.34	250.26	770.55	1,945
Other Non-Interest Income	508.51	612.67	176.33	304.33	182.04	94.94
Total Non-Interest Income	634.42	822.97	924.69	767.14	1,256	2,232
Non-Interest Income Growth (YoY)	20.16%	-11.00%	20.54%	-38.94%	-43.71%	109.68%
Revenues Before Loan Losses	4,098	3,988	4,067	3,588	3,724	4,307
Provision for Loan Losses	-147.3	-292.23	-831.4	-157.39	254.43	152.7
Revenue	4,245	4,281	4,898	3,746	3,470	4,155
Revenue Growth (YoY)	-10.98%	-12.61%	30.78%	7.94%	-16.48%	15.57%
Salaries and Employee Benefits	1,042	1,000	1,012	925.61	874.32	922.24
Occupancy Expenses	188.71	183.02	194.83	175.04	148.38	163.23
Selling, General & Administrative	59.47	56.96	81.57	52.58	73.43	38.36
Other Non-Interest Expense	1,261	1,270	1,268	1,073	964.34	1,055
Total Non-Interest Expense	2,552	2,510	2,556	2,226	2,060	2,179
EBT Excluding Unusual Items	1,694	1,771	2,342	1,520	1,409	1,976
Asset Writedown	80.6	80.6	-19.38	-40.69	-	-
Legal Settlements	-27.82	-27.82	-26.67	-45.77	-27.72	-27.2
Pretax Income	1,747	1,824	2,296	1,433	1,382	1,949
Income Tax Expense	1,065	1,210	1,267	688.02	555.39	1,000
Net Income	681.61	614.01	1,029	745.29	826.34	948.54
Net Income to Common	681.61	614.01	1,029	745.29	826.34	948.54
Net Income Growth	-12.91%	-40.34%	38.08%	-9.81%	-12.88%	21.54%
Basic Shares Outstanding	996	1,000	1,000	1,000	1,000	1,000
Diluted Shares Outstanding	996	1,000	1,000	1,000	1,000	1,000
EPS (Basic)	0.68	0.61	1.03	0.75	0.83	0.95
EPS (Diluted)	0.68	0.61	1.03	0.75	0.83	0.95
EPS Growth	-12.53%	-40.34%	38.08%	-9.81%	-12.88%	21.54%
Effective Tax Rate	60.97%	66.33%	55.18%	48.00%	40.20%	51.33%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.