Security Bank Corp. (philippines) · PSE:SECB
Security Bank Corp. (philippines) — Security Bank — 9M 2025 Earnings Presentation
13 slides from Security Bank Corp. (philippines)'s earnings presentation, Nov 17, 2025
Slide 1: 9M-2025 Results Highlights
9M-2025 Results Highlights By: Sanjiv Vohra, President & CEO November 17, 2025
Slide 2: Revenues and Net Income
Revenues and Net Income Revenues Net Income ₱48.8 Billion ₱9.1 Billion +22% 48.8 +7% +₱8.8 B 9.1 40.0 8.5 +₱0.6 B 9M-2024 9M-2025 9M-2024 9M-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 ₱37.2 Billion +15% 37.2 32.4 +4.8 B 9M-2024 9M-2025 Total Non-Interest Income Service Charges, Fees & Commissions ₱11.6 Billion +52% 11.6 ₱6.3 Billion 6.7 -5% 6.3 7.6 +₱3.9 B -₱0.3 B 9M-2024 9M-2025 9M-2024 9M-2025 3 Note: Numbers may n
Slide 4: Cost-to-Income Ratio and Operating Expense
Cost-to-Income Ratio and Operating Expense Cost-to-Income Ratio Operating Expense* 58.1% ₱28.3 Billion 58.8% 58.1% +20% 28.3 +₱4.8 B YoY growth 23.5 9.8 +20% Compensation and fringe benefits 8.1 +18% Taxes and licenses 3.3 9M-2024 9M-2025 +25% Depreciation and amortization 2.8 3.2 +19% Occupancy cos
Slide 5: Total Loans, Investment Securities and Deposits
Total Loans, Investment Securities and Deposits Total Loans* Loans & Investment in Corp. Bonds ₱672 Billion +8% 672 ₱731 Billion 623 YoY +₱49 B 685 +7% 731 YoY +24% 33% +₱46 B 179 29% 222 4% 62 59 +48% 17 3% 25 427 68% 0% 425 63% 623 672 Sep. 30, 2024 Sep. 30, 2025 Sep. 30, 2024 Sep. 30, 2025 *Loans
Slide 6: Asset Quality
Asset Quality Gross NPL Ratio and NPL Reserve Cover Allowance over Total Loans 2.61% 86% 79% 79% * 2.61% 2.50% 2.61% 3.08% 3.16% 3.02% Sep. 30, 2024 Jun. 30, 2025 Sep. 30, 2025 Sep. 30, 2024 Jun. 30, 2025 Sep. 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 ₱8.6 Billion In Php millions Retail 9M-2024 3,906 9M-2025 7,586 8.6 Wholesale 811 363 Business Banking 350 693 5.1 Financial Markets 0 1 Others 21 (23) Total 5,088 8,620 In Php millions Q2-
Slide 8: Balance Sheet and Key Financial Ratios
Balance Sheet and Key Financial Ratios Total Assets Loans & Investment Securities ₱1.14 Trillion +11% ₱1.03 Trillion 1,142 +14% 1,028 +₱114 B 1,026 903 +₱123 B 59% 61% 672 623 27% 31% 280 354 12% 10% Sep. 30, 2024 Sep. 30, 2025 Sep. 30, 2024 Sep. 30, 2025 Total Liabilities CET 1 and Total CAR ROE an
Slide 9: Quarterly Financial Highlights
Quarterly Financial Highlights Total Revenues Operating Expenses* ₱17.2 Billion 17.2 ₱9.5 Billion 9.5 9.3 9.5 9.5 14.9 15.4 16.1 8.5 14.4 Q3-2024 Q4-2024 Q1-2025 Q2-2025 Q3-2025 Q3-2024 Q4-2024 Q1-2025 Q2-2025 Q3-2025 Net Interest Income Net Interest Margin ₱12.9 Billion 4.83% 12.4 12.9 11.3 11.9 4.
Slide 10: Quarterly Financial Highlights
Quarterly Financial Highlights Total Loans* Total Deposits ₱672 Billion ₱901 Billion +1.3% +0.7% 889 QoQ 901 667 QoQ 672 +₱12 B +₱4.7 B 216 33% +2% 222 33% 434 444 49% 49% +2.3% +12% 23 3% 25 4% 428 64% -1% 425 63% 455 51% +0.4% 457 51% Jun. 30, 2025 Sep. 30, 2025 Jun. 30, 2025 Sep. 30, 2025 *Loans
Slide 11: Quarterly Financial Highlights
Quarterly Financial Highlights Service Charges Fees & Commissions Provisions for Credit & Impairment Losses ₱2.1 Billion ₱3.6 Billion 3.6 2.7 2.2 2.2 2.4 2.1 2.1 1.8 1.8 1.5 Q3-2024 Q4-2024 Q1-2025 Q2-2025 Q3-2025 Q3-2024 Q4-2024 Q1-2025 Q2-2025 Q3-2025 Pre-Provision Operating Profit Net Income ₱7.7
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: 9M-2025 Results Highlights
9M-2025 Results Highlights By: Sanjiv Vohra, President & CEO November 17, 2025