Bank Of The Philippine Islands · PSE:BPI
Bank Of The Philippine Islands — Q3 2025 Earnings Presentation
17 slides from Bank Of The Philippine Islands's earnings presentation, Oct 30, 2025
Slide 1: BPI Investor Presentation 3Q and 9M 2025
BPI Investor Presentation 3Q and 9M 2025 THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS.
Slide 2: 3Q and 9M 2025 Performance Highlights
3Q and 9M 2025 Performance Highlights • 9M25 net income at P50.5 billion, up 5.2% YoY, driven by strong revenue growth Profitability • 3Q25 net income at P17.5 billion, up 7.4% QoQ, largely driven by loan expansion • Indicative ROE at 15.0%; ROA at 2.0% Balance • • Loans grew 13.3% YoY to P2.4 trill
Slide 3: Profitability – 9M
Profitability – 9M In P bn 9M 2024 9M 2025 YoY • Net income of P50.5 billion, up 5.2% YoY, supported by Net Interest Income 93.85 109.06 16.2% revenue expansion Non-Interest Income 31.91 33.27 4.2% • Net Interest Income, up 16.2% YoY, driven by loan Trading Income 2.98 3.38 13.5% growth at 13.3%, an
Slide 4: Profitability – QoQ
Profitability – QoQ In P bn 2Q 2025 3Q 2025 QoQ • Revenue-led net income remained intact Net Interest Income 36.74 37.91 3.2% Non-Interest Income 11.11 11.87 6.8% o Net Interest Income increased despite a slight decline in NIM for the quarter owing to continued support from Trading Income 1.18 1.78
Slide 5: Consistently strong shareholder returns and profitability
Consistently strong shareholder returns and profitability Earnings per Share* Return on Assets 2.0% 2.0% 1.9% 1.6% 11.78 +5.2% 10.49 9.55 1.1% 9.10 1.0% 8.05 2020 2021 2022 2023 2024 9M25 4.85 4.35 Return on Equity 15.3% 15.1% 15.0% 13.1% 2020 2021 2022 2023 2024 9M 2024 9M 2025 8.4% 7.7% *(1) For f
Slide 6: Balance sheet strength driving gains in market share, supported by a solid funding base
Balance sheet strength driving gains in market share, supported by a solid funding base ASSETS GROSS LOANS DEPOSITS 73.4B +2.2% vs. Last Quarter 42.9B +1.8% vs. Last Quarter 65.7B +2.5% vs. Last Quarter ₱3,473B ₱2,417B 283.3B +13.3% vs. Last Year ₱2,677B 295.8B +9.3% vs. Last Year 191.8B +7.7% vs. L
Slide 7: Non-institutional loan growth ahead of target, supporting NIM resilience
Non-institutional loan growth ahead of target, supporting NIM resilience Gross Loans (in P bn) Quarter NIM +1.8% YoY YoY Change 2,375 2,417 +13.3% 2,287 2,304 2,134 30.8% 28.8% 29.7% 8.09% 8.04% 8.09% 8.05% 8.16% 27.7% +7bps 27.4% 6.63% 6.70% 6.71% +23bps 6.48% 6.51% 72.3% 71.2% 70.3% 69.2% 72.6% 4.
Slide 8: Loan growth driven by continued shift to high-yield segments
Loan growth driven by continued shift to high-yield segments TOTAL GROSS LOANS INSTITUTIONAL NON-INSTITUTIONAL 2,417 ₱2,417B 2,287 1,673 1,653 745 As of September 2025 2,134 1,935 ₱1,673B 1,549 1,488 ₱745B 556 585 634 1,795 1,374 399 421 448 3.6B +0.2% vs. Last Quarter 39.2B +5.6% vs. Last Quarter 4
Slide 9: Diversifying funding sources with faster growth in borrowings
Diversifying funding sources with faster growth in borrowings Total Funding (in P bn) CASA Mix (in P bn) Loans to 85.9% 87.5% 89.4% 90.9% 90.3% Deposit Loans to 80.7% 82.3% 84.6% 83.7% 83.7% Total Funding QoQ YoY QoQ YoY 2,889 +1.8% +9.3% 2,838 2,778 2,723 2,644 212 -6.4% +34.0% 1,652 1,631 1,632 +0
Slide 10: Asset quality remained manageable amid growth
Asset quality remained manageable amid growth NPL LEVEL (in ₱ bn) NPL RATIO NPL COVER, PRFS 9 1.9B +3.6% vs. Last Quater +4bps vs. Last Quarter -59bps vs. Last Quarter ₱55.01B 6.2B +12.7% vs. Last Year 2.29% -1bp vs. Last Year 96.47% -14.7ppts vs. Last Year 55.01 2.30% 48.81 2.29% 158.95% 48.36 2.13
Slide 11: ECL-driven provisioning amid stabilizing NPL ratio
ECL-driven provisioning amid stabilizing NPL ratio 2023 2024 2025 TOTAL INSTITUTIONAL BUSINESS BANK 1.39% 2.29% 2.30% 1.15% 7.47% 7.65% 2.29% 1.29% As of September 2025 2.13% 7.47% 6.74% 1.25% +4bps 1.97% -6bps vs. Last Quarter -4bps vs. Last Quarter vs. Last Quarter 1.84% 1.15% 5.63% -24bps vs. Las
Slide 12: Steady growth in fee income, supported by core businesses
Steady growth in fee income, supported by core businesses Fee Income (in P bn) YoY Growth Ranked by Contribution to 9M 2025 Fee Income* +1.7% YoY +17.3% Cards, 32.8% +2.8% QoQ +7.5% Wealth Management, 15.9% +1.5% Insurance, 12.6% 9.39 9.55 9.34 9.25 9.29 -4.6% Branch Service Charges, 9.5% -2.2% ATM
Slide 13: Cost-to-income continues to improve on higher productivity
Cost-to-income continues to improve on higher productivity Operating Expenses (in P bn) YoY 2020 2021 2022 2023 2024 9M 2025 24.4 Total+19.6% Cost-to-Income 47.3% 52.1% 48.9%1 50.0% 49.3% 46.0% 22.4 22.8 +7.9% 21.1 Customer Count (in mn) 8.57 8.46 9.31 11.58 16.0 17.8 20.3 7.4 Manpower Headcount 19,
Slide 14: Capital strength supports ongoing expansion
Capital strength supports ongoing expansion CET1 RWA CET1 RATIO CAR 18.9B +4.9% vs. Last Quarter 41.4B +1.6% vs. Last Quarter 48bps vs. Last Quarter 51bps vs. Last Quarter ₱402B ₱2,694B 14.93% 15.76% 32.2B +8.7% vs. Last Year 184.3B +7.3% vs. Last Year 18bps vs. Last Year 20bps vs. Last Year Year-to
Slide 15: Summary
Summary 1 Profitability: Sustained revenue-led performance 2 Balance Sheet: Healthy liquidity and capital position 3 Asset Quality: Asset quality remained manageable amid growth 4 Growth: Accelerating growth through digital leadership 15 THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLAND
Slide 16: For your comments and queries contact us via:
For your comments and queries contact us via: investorrelations@bpi.com.ph https://www.bpi.com.ph/ Scan the QR code to download the 2024 Integrated Report or visit https://www.bpi.com.ph/about-bpi/investor-relations/integrated-reports
Slide 17: Important Information
Important Information DISCLAIMER: This presentation has been prepared by the Bank of the Philippine You may also reach out to BPI's Islands (“BPI” or the “Company”) solely for informational purposes. All contents complaints handling unit for other hereof are the sole and exclusive property of BPI. N
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