Bank Of The Philippine Islands · PSE:BPI
Bank Of The Philippine Islands — Investor Presentation (December 2025)
25 slides from Bank Of The Philippine Islands's investor presentation, December 2025
Slide 1: Bank of the Philippine Islands
Bank of the Philippine Islands As of December 2025
Slide 2: BPI: Building a Better Philippines
BPI: Building a Better Philippines Overview Main Operating Business Segments ▪ The first bank in the Philippines and Southeast Asia, and the ▪ Provides deposit and lending solutions to a broad range of multinationals, longest tenured bank with 174 years of continuous operating Institutional large an
Slide 3: Key Milestones of BPI
Key Milestones of BPI Year Milestones 1974 Acquired People’s Bank and Trust to expand the retail banking business ▪ Founded in 1851, as El Banco Español Filipino de Isabel II, by Catholic 1981 Merged with Commercial Bank and Trust to expand presence in middle-market charities 1982 Integrated Ayala I
Slide 4: Credit Ratings
Credit Ratings Moody's1 S&P2 LT Local and Foreign Bank Standalone Baa2 BBB+ Currency Rating Rating Outlook Stable Outlook Stable 1As of May 2025; 2As of September 2025 Source: Credit Rating reports 4
Slide 5: Shareholders & Equity Profile
Shareholders & Equity Profile December 31, 2025 Ownership Structure Investment Information Citizenship Composition Fundamentals Stock Price ₱116.10 per share 18% BV per share ₱90.19 P-B Ratio 1.29x P-E Ratio 9.21x 82% Dividends ₱4.36 per share Market Cap (in P mn) ₱613,449 Trading Fact Sheet Filipin
Slide 6: Strategic Imperatives
Strategic Imperatives Greater share of Undisputed leader Consumer & SME in digital banking in the loan book • 7 digital platforms • 30% Consumer/ SME • 7 digital platforms Sustainable New role Banking Passion for the of branches Customer • Rationalization • Financial Inclusion • Reformatting • Susta
Slide 7: Capital Distribution
Capital Distribution Dividend per Share Dividend Payout vs 2021 +10.1% 4.36 +142% 3.96 3.36 2.28 40.1% 40.2% 40.4% 1.98 37.9% 37.1% 1.68 2.12 1.8 1.06 0.9 1.98 2.08 1.68 0.9 1.06 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 First Semester Second Semester Payout Ratio = Cash Dividends Declared/P
Slide 8: Profitability
Profitability Earnings per Share* Return on Assets 2.0% 2.0% +7.1% 1.9% +12.3% 12.62 1.6% 11.78 1.1% 10.49 +30.3% 8.05 2021 2022 2023 2024 2025 4.85 Return on Equity 15.3% 15.1% 14.5% 13.1% 8.4% 2021 2022 2023 2024 2025 *(1) weighted number of shares used in the calculations are net of property divi
Slide 9: Balance Sheet (in PHP Bn)
Balance Sheet (in PHP Bn) Total Assets Customer Deposits 3,779 2,839 3,437 2,615 2,978 2,295 2,503 2,687 2,096 1,955 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Gross Loans Assets Under Management 2,623 1,912 2,287 1,531 1,223 1,935 882 875 1,757 1,529 2021 2022 2023 2024 2025 2021 2022 2023 2
Slide 10: Balance Sheet
Balance Sheet 1,000,000.0 YoY % 5Y CAGR Outstanding (in PHP Bn) 2020 2021 2022 2023 2024 2025 (2025 v 2024) (2020-2025) TOTAL ASSETS 2,233.4 2,421.9 2,604.0 2,888.4 3,318.8 3,651.5 1.9% 10.3% Cash and Other Cash Items 37.2 35.1 39.6 34.8 49.8 53.0 1.3% 7.4% Due from Bangko Sentral ng Pilipinas (BSP)
Slide 11: Income Statement
Income Statement 1,000,000.0 YoY % 5Y CAGR Outstanding (in PHP Bn) 2020 2021 2022 2023 2024 2025 (2025 v 2024) (2020-2025) Interest Income 96.3 84.6 103.3 145.6 190.0 215.3 13.3% 17.5% On loans and advances 82.3 72.2 84.9 120.9 159.6 183.8 15.1% 17.4% On FA at amortized cost 3.4 7.7 14.5 14.7 14.4 1
Slide 12: Financial Indicators
Financial Indicators Key Ratios 2020 2021 2022 2023 2024 2025 NIM 3.49% 3.30% 3.59% 4.09% 4.31% 4.59% Asset Yield 4.65% 4.02% 4.36% 5.70% 6.42% 6.68% Cost of Funds 1.3% 0.8% 0.9% 1.8% 2.4% 2.4% Cost to Income 47.2% 52.1% 48.9% 50.0% 49.3% 47.2% ROE 7.7% 8.4% 13.1% 15.3% 15.1% 14.5% ROA 1.0% 1.1% 1.6
Slide 13: Customer Base and Distribution Channels
Customer Base and Distribution Channels Robust growth in customer base (in Mn) BPI has one of the largest branch network in the Philippines 3 Distribution Channels +14% (1) branches (2) seven digital platforms 18.24 (3) agency banking partners 15.98 18.24 mn 34 agency banking customers partners
Slide 14: Digital Engagement Platforms
Digital Engagement Platforms VYBE BizLink BizKo BanKo BPI Wealth BPI Mobile App BPI Trade BPI Wallet For Corporates For SMEs For Microfinance For HNW 14
Slide 15: Board of Directors
Board of Directors Jaime Augusto Fernando Cezar Consing Jose Teodoro Limcaoco Emmanuel de Dios Rizalina Mantaring Janet Guat Har Ang René Bañez Zobel de Ayala Zobel de Ayala Vice Chairman / Director President & CEO Independent Director Lead Independent Independent Director Director Chairman / Direct
Slide 16: Executive Management
Executive Management BPI’s senior management has an average tenure with the Bank of over 20 years Joseph Anthony Alonso Ma. Cristina Asis Luis Geminiano Cruz Maria Virginia Eala Dino Gasmen Ma. Cristina Go Jose Raul Jereza IV Chief Credit Officer Chief Risk Officer Head, Institutional Chief Human Re
Slide 17: Conglomerate Map
Conglomerate Map BANK OF THE PHILIPPINE ISLANDS BPI Direct BanKo, Inc. Legazpi Savings Bank BPI Capital Corporation BPI Payments A Savings Bank 99.94% 100% Holdings Inc. 100% 100% BPI Europe PLC BPI Remittance BPI Securities Corp. AF Payments, Inc. 100% Centre HK, Limited 100% 20% 100% BPI Wealth Ho
Slide 18: Table of Organization
Table of Organization BOARD OF DIRECTORS BOARD OF DIRECTORS BOARD OF DIRECTORS BOARD OF DIRECTORS BOARD OF DIRECTORS Related Party Risk Management Executive Committee Corporate Governance & Audit Committee Transactions Committee Committee Sustainability Committee CORPORATE SECRETARY Risk Compliance
Slide 19: Sustainability Journey
Sustainability Journey 1 2008 2010 2012 • 1st Sustainable • BPI -WWF Business • 1st bank in USAID Credit Energy Finance (SEF) Risk Assessment and Guarantee Program for Program in Management of countryside SMEs partnership with IFC Climate Change • Sustainability Office • 1st Sustainability Impacts (
Slide 20: Sustainability Journey
Sustainability Journey 1 2018 2019 • Integrated Report • Established BPI Green Finance External assurance for Framework non -financial • 2 Green Bonds issued disclosures by DNV -GL • Inclusion of Sustainable Agriculture • Launch of Business to the SDF Program Banking Group • Reported on Green Bonds
Slide 21: Sustainability Journey
Sustainability Journey 1 2022 • FIRST Philippine bank to • Financed the WORLD’s FIRST • FIRST IFC EDGE -certified mandate a minimum of 10% Energy Transition Financing green bank branch in the Sustainability KRAs for all Facility Philippines employees • Shift of corporate offices to • FIRST Philippin
Slide 22: Institutional Awards
Institutional Awards Alpha Southeast Asia Euromoney Awards for Euromoney Private FinanceAsia Awards 2025 Best Financial Institution Excellence 2025 Banking Awards 2025 Awards Best Bank in the Philippines Best Equity House in the Philippines Best Bank for SMEs in the Philippines Philippines’ Best for
Slide 23: 2025 ESG Awards
2025 ESG Awards 28 ESG -focused awards and recognitions received in 2025 SUSTAINABLE FINANCE -RELATED AWARDS ESG PROGRAM OF THE GREEN FINANCING BANK SUSTAINABILITY INITIATIVE TOP SUSTAINABILITY SUSTAINABILITY COMPANY YEAR (Domestic) OF THE YEAR (Domestic) OF THE YEAR (Domestic) ADVOCATES IN ASIA OF
Slide 24: For your comments and queries contact us
For your comments and queries contact us via: investorrelations@bpi.com.ph https://www.bpi.com.ph/ Scan the QR code to download the 2025 Integrated Report or visit https://www.bpi.com.ph/about -bpi/investor -relations/integrated -reports Scan the QR code here
Slide 25: 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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