Philippine Trust Company (PSE:PTC)

Philippine Trust Company Income Statement

Financials in millions PHP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	2,387	2,330	2,229	1,686	1,128	1,048
Interest Income on Investments	5,785	6,213	7,439	6,765	4,431	3,357
Total Interest Income	8,171	8,543	9,668	8,451	5,559	4,405
Interest Paid on Deposits	4,895	5,125	6,503	5,308	2,738	1,937
Net Interest Income	3,277	3,418	3,165	3,142	2,821	2,468
Net Interest Income Growth (YoY)	0.16%	7.97%	0.73%	11.39%	14.31%	18.91%
Gain (Loss) on Sale of Assets	33.31	33.31	54.11	7.54	71.67	267.58
Gain (Loss) on Sale of Investments	58.41	58.41	68.59	634.34	250.26	770.55
Other Non-Interest Income	674.44	448.13	612.67	176.33	304.33	182.04
Total Non-Interest Income	782.52	556.21	822.97	924.69	767.14	1,256
Non-Interest Income Growth (YoY)	17.64%	-32.41%	-11.00%	20.54%	-38.94%	-43.71%
Revenues Before Loan Losses	4,059	3,974	3,988	4,067	3,588	3,724
Provision for Loan Losses	124.97	118.03	-292.23	-831.4	-157.39	254.43
Revenue	3,934	3,856	4,281	4,898	3,746	3,470
Revenue Growth (YoY)	-7.24%	-9.92%	-12.61%	30.78%	7.94%	-16.48%
Salaries and Employee Benefits	1,064	1,044	1,000	1,012	925.61	874.32
Occupancy Expenses	216.72	217.58	183.02	194.83	175.04	148.38
Selling, General & Administrative	47.22	52.75	56.96	81.57	52.58	73.43
Other Non-Interest Expense	1,259	1,255	1,270	1,268	1,073	964.34
Total Non-Interest Expense	2,587	2,569	2,510	2,556	2,226	2,060
EBT Excluding Unusual Items	1,347	1,287	1,771	2,342	1,520	1,409
Asset Writedown	-	-	80.6	-19.38	-40.69	-
Legal Settlements	-29.51	-29.51	-27.82	-26.67	-45.77	-27.72
Pretax Income	1,318	1,258	1,824	2,296	1,433	1,382
Income Tax Expense	912.98	987.75	1,210	1,267	688.02	555.39
Net Income	404.66	269.92	614.01	1,029	745.29	826.34
Net Income to Common	404.66	269.92	614.01	1,029	745.29	826.34
Net Income Growth	-31.20%	-56.04%	-40.34%	38.08%	-9.81%	-12.88%
Basic Shares Outstanding	992	1,000	1,000	1,000	1,000	1,000
Diluted Shares Outstanding	992	1,000	1,000	1,000	1,000	1,000
EPS (Basic)	0.41	0.27	0.61	1.03	0.75	0.83
EPS (Diluted)	0.41	0.27	0.61	1.03	0.75	0.83
EPS Growth	-30.42%	-56.04%	-40.34%	38.08%	-9.81%	-12.88%
Effective Tax Rate	69.29%	78.54%	66.33%	55.18%	48.00%	40.20%

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