Bank Of The Philippine Islands · PSE:BPI

Bank Of The Philippine Islands — Q4 2025 Earnings Presentation

18 slides from Bank Of The Philippine Islands's earnings presentation, Feb 11, 2026

  1. Slide 1: BPI Investor Presentation 4Q and FY 2025

    BPI Investor Presentation 4Q and FY 2025 THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS.

  2. Slide 2: 4Q and FY 2025 Performance Highlights

    4Q and FY 2025 Performance Highlights • Solid full year net income of P66.62 Bn, up 7.4%, driven by strong revenues and positive jaws • 4Q income of P16.13 Bn, up 14.7% YoY, underscoring stronger profitability even without seasonal boost Profitability • Sustained strong profitability with full year

  3. Slide 3: Profitability – Quarter

    Profitability – Quarter In P bn Quarter-on-Quarter 4Q 2024 3Q 2025 4Q 2025 QoQ YoY Net Interest Income 33.74 37.91 38.97 2.8% 15.5% 4Q25 net income at P16.1 Bn, down 8.0% QoQ, Non-Interest Income 10.64 11.87 13.98 17.8% 31.4% primarily due to seasonally higher operating expenses Trading Income 1.30

  4. Slide 4: Profitability – Full Year

    Profitability – Full Year Fourth consecutive year of strong income growth In P bn 2023 2024 2025 YoY driven by revenues Net Interest Income 104.35 127.59 148.03 16.0% Record net income of P66.62 Bn, up 7.4%, largely Non-Interest Income 33.97 42.55 47.25 11.0% due to revenue growth, which more than o

  5. Slide 5: Sustaining high returns amid a challenging environment

    Sustaining high returns amid a challenging environment Earnings per Share* Return on Assets 2.0% 2.0% 1.9% 1.6% +7.1% +12.3% 12.62 11.78 1.1% 10.49 +30.3% 8.05 2021 2022 2023 2024 2025 Return on Equity 4.85 15.3% 15.1% 14.5% 13.1% 8.4% 2021 2022 2023 2024 2025 *(1) weighted number of shares used in

  6. Slide 6: Balance sheet strength supporting market share gains

    Balance sheet strength supporting market share gains ASSETS GROSS LOANS DEPOSITS 178.7B +5.1% vs. Last Quarter 205.8B +8.5% vs. Last Quarter 161.1B +6.0% vs. Last Quarter ₱3,651B 332.7B +10.0% vs. Last Year ₱2,623B 336.2B +14.7% vs. Last Year ₱2,839B 223.7B +8.6% vs. Last Year Outstanding Outstandin

  7. Slide 7: Loans surged 14.7%, outpacing universal/commercial banks' 9.7% industry average

    Loans surged 14.7%, outpacing universal/commercial banks' 9.7% industry average TOTAL GROSS LOANS INSTITUTIONAL NON-INSTITUTIONAL ₱2,623B 2,623 2,287 1,825 798 As of December 2025 1,935 ₱1,825B 1,653 ₱798B 634 1,488 448 152.3B +9.1% vs. Last Quarter 53.5B +7.2% vs. Last Quarter 205.8B +8.5% vs. Last

  8. Slide 8: Consistent NIM improvement driven by yield expansion

    Consistent NIM improvement driven by yield expansion Annual NIM Quarter NIM YoY Change YoY Change 7.95% 8.09% +14bps 8.04% 8.09% 8.05% 8.16% 8.05% +1bps 7.15% 6.42% 6.68% +26bps 6.70% 6.71% 6.67% 6.51% 6.63% +16bps 5.54% 5.70% 5.29% 4.36% 4.31% 4.59% +28bps 4.49% 4.67% 4.62% 4.58% 4.02% 4.09% 4.37%

  9. Slide 9: Diversifying funding mix driven by faster growth in borrowings

    Diversifying funding mix driven by faster growth in borrowings Total Funding (in P bn) CASA Mix (in P bn) Loans to 87.5% 89.4% 90.9% 90.3% 92.4% Deposit Loans to 82.3% 84.6% 83.7% 83.7% 85.7% Total Funding QoQ YoY QoQ YoY 3,062 +6.0% +10.2% 2,889 1,723 +5.6% +4.3% 2,838 223 1,652 2,778 2,723 +5.3% +

  10. Slide 10: Broad-based fee growth supported by core businesses

    Broad-based fee growth supported by core businesses YoY Growth Ranked by Contribution to FY 2025 Fee Income* Amounts in P bn +13.8% Cards, 32.1% +6.6% Wealth Management, 15.5% +9.1% 39.0 +11.4% Insurance, 12.8% 35.7 -2.6% Branch Service Charges, 9.4% 29.7 ATM & Digital Channels, 8.2% 28.8 -3.9% One

  11. Slide 11: Provisioning remained elevated, driven by ECL requirements amid a steady NPL ratio

    Provisioning remained elevated, driven by ECL requirements amid a steady NPL ratio NPL LEVEL (in ₱ bn) NPL RATIO NPL COVER, PRFS 9 vs. Last Quarter -2ppts vs. Last Quarter 1.9B +3.4% vs. Last Quarter -11bps ₱56.87B 2.18% +6bps 94.92% -11.3ppts vs. Last Year 8.5B +17.6% vs. Last Year vs. Last Year 56

  12. Slide 12: Strong credit quality supported by adequate provisions

    Strong credit quality supported by adequate provisions 2023 2024 2025 TOTAL INSTITUTIONAL SME 2.18% 2.28% 0.98% 1.33% 7.35% 8.15% 2.18% 1.29% 7.35% As of December 2025 2.09% 2.13% 1.19% 6.74% 6.75% -11bps vs. Last Quarter 1.83% 1.84% -17bps vs. Last Quarter 1.06% 1.08% -12bps vs. Last Quarter 6.20%

  13. Slide 13: Cost-to-income ratio continued to improve over the years on higher productivity

    Cost-to-income ratio continued to improve over the years on higher productivity Operating Expenses (in P bn) YoY 92.1 Total +9.9% 2021 2022 2023 2024 2025 83.8 1 +19.6% Cost-to-Income 52.1% 48.9% 50.0% 49.3% 47.2% Manpower 30.3 Customer Count (in mn) 8.46 9.31 11.58 16.0 18.2 69.1 +4.6% 28.9 Headcou

  14. Slide 14: Strong capital position supporting growth and dividends

    Strong capital position supporting growth and dividends CET1 RWA CET1 RATIO CAR -2.1B -0.5% vs. Last Quarter 207.4B +7.7% vs. Last Quarter -115bps vs. Last Quarter -115bps vs. Last Quarter ₱401B ₱2,894B 13.85% 14.68% 34.9B +9.5% vs. Last Year 252.8B +9.6% vs. Last Year - vs. Last Year +5bps vs. Last

  15. Slide 15: Sustained increases in shareholder remuneration

    Sustained increases in shareholder remuneration Dividend per Share Dividend Payout vs 2021 +10.1% +142% 4.36 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 Payout Ratio = Cash Dividends Declared/Previ

  16. Slide 16: Summary

    Summary 1 Profitability: Improved profitability with record income led by revenue 2 Balance Sheet: Solid balance sheet with strong capital levels provides support ongoing growth 3 Asset Quality: Strong asset quality with sufficient allowance 4 Shareholder Returns: Sustained profitability with steadi

  17. Slide 17: 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​

  18. Slide 18: 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

Bank of the Philippine Islands — Q4 2025 Earnings Presentation on 6ix