13 slides from Security Bank Corp. (philippines)'s earnings presentation, Aug 18, 2025
Slide 1: H1-2025 Results Highlights
H1-2025 Results Highlights By: Sanjiv Vohra, President & CEO August 18, 2025
Slide 2: Revenues and Net Income
Revenues and Net Income Revenues Net Income ₱31.6 Billion ₱5.9 Billion +23% 31.6 +8% +₱5.9 B 5.9 25.7 5.4 +₱0.4 B H1-2024 H1-2025 H1-2024 H1-2025 2 Note: Numbers may not sum up due to rounding
Slide 3: Net Interest Income and Non-Interest Income
Net Interest Income and Non-Interest Income Net Interest Income ₱24.3 Billion +12% 24.3 21.7 +2.7 B H1-2024 H1-2025 Total Non-Interest Income Service Charges, Fees & Commissions ₱7.2 Billion +81% 7.2 ₱4.3 Billion 4.9 -12% 4.3 +₱3.2 B -₱0.6 B 4.0 H1-2024 H1-2025 H1-2024 H1-2025 3 Note: Numbers may no
Slide 4: Cost-to-Income Ratio and Operating Expense
Cost-to-Income Ratio and Operating Expense Cost-to-Income Ratio Operating Expense* 59.6% ₱18.8 Billion 58.4% 59.6% +25% 18.8 +₱3.8 B YoY growth 15.0 +24% Compensation and fringe benefits 6.5 +16% Taxes and licenses 5.2 H1-2024 H1-2025 2.2 +28% Depreciation and amortization 1.9 2.1 +14% Occupancy cos
Slide 5: Total Loans, Investment Securities and Deposits
Total Loans, Investment Securities and Deposits Total Loans* Investment Securities ₱667 Billion +16% YoY 667 ₱371 Billion +38% 371 577 +₱90 B YoY +31% 216 33% 268 +₱103 B 165 29% 16 3% +46% 23 3% 397 68% +7% 428 64% Jun. 30, 2024 Jun. 30, 2025 Jun. 30, 2024 Jun. 30, 2025 *Loans (net of allowance); W
Slide 6: Asset Quality
Asset Quality Gross NPL Ratio and NPL Reserve Cover Allowance over Total Loans 2.50% 81% 79% 79% * 2.72% 2.52% 2.50% 3.31% 3.10% 3.16% Jun. 30, 2024 Mar. 31, 2025 Jun. 30, 2025 Jun. 30, 2024 Mar. 31, 2025 Jun. 30, 2025 *Gross NPL Ratio (conso) 6
Slide 7: Provisions for Credit and Impairment Losses
Provisions for Credit and Impairment Losses Provisions for Credit and Impairment Losses Provisions per Segment ₱5.1 Billion In Php millions Retail H1-2024 2,515 H1-2025 4,388 Wholesale 530 294 Business Banking 244 416 5.1 Financial Markets 0 1 Others 9 (29) 3.3 Total 3,298 5,070 In Php millions Q1-2
Slide 8: Balance Sheet and Key Financial Ratios
Balance Sheet and Key Financial Ratios Total Assets Loans & Investment Securities ₱1.15 Trillion +22% ₱1.04 Trillion 1,154 +23% +₱206 B 1,038 948 846 +₱193 B 58% 61% 667 577 32% 28% 371 268 11% 10% Jun. 30, 2024 Jun. 30, 2025 Jun. 30, 2024 Jun. 30, 2025 Total Liabilities CET 1 and Total CAR ROE and
Slide 9: Quarterly Financial Highlights
Quarterly Financial Highlights Total Revenues Operating Expenses* ₱16.1 Billion 14.9 15.4 16.1 ₱9.5 Billion 9.5 9.3 9.5 14.4 8.5 13.2 7.4 Q2-2024 Q3-2024 Q4-2024 Q1-2025 Q2-2025 Q2-2024 Q3-2024 Q4-2024 Q1-2025 Q2-2025 Net Interest Income Net Interest Margin ₱12.4 Billion 4.67% 11.9 12.4 5.18% 10.9 1
Slide 10: Quarterly Financial Highlights
Quarterly Financial Highlights Total Loans* Total Deposits ₱667 Billion ₱889 Billion +6% +3% 841 QoQ 889 646 QoQ 667 +₱48 B +₱21 B 33% +5% 216 33% 434 49% 206 422 50% +3% 3% +6% 3% 21 23 418 64% +2% 428 64% 419 50% +9% 455 51% Mar. 31, 2025 Jun. 30, 2025 Mar. 31, 2025 Jun. 30, 2025 *Loans (net of al
Slide 11: Quarterly Financial Highlights
Quarterly Financial Highlights Service Charges Fees & Commissions Provisions for Credit & Impairment Losses ₱2.1 Billion ₱2.7 Billion 2.7 2.4 2.2 1.8 1.8 2.2 2.1 1.5 1.8 1.8 Q2-2024 Q3-2024 Q4-2024 Q1-2025 Q2-2025 Q2-2024 Q3-2024 Q4-2024 Q1-2025 Q2-2025 Pre-Provision Operating Profit Net Income ₱6.7
Slide 12: Summary
Summary 1. CASA as our Growth Engine 2. Disciplined Loan Growth 3. Non-Interest Income Momentum 4. Profitability 5. Provisions 6. Strategic Initiatives 12
Slide 13: H1-2025 Results Highlights
H1-2025 Results Highlights By: Sanjiv Vohra, President & CEO August 18, 2025