Bank of the Philippine Islands (BPHLF) Q1 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon, ladies and gentlemen. Welcome to our earnings call to discuss BPI's results for the first quarter of 2026. I'm Haj Narvaez. I'll be your moderator for this session. We're conducting this briefing in a hybrid manner with our BPI speakers and panelists here in our headquarters of Tower 2 of Ayala Triangle Gardens, Makati City, while the rest of our participants are dialing in remotely. I'm pleased to introduce you to our speakers and panelists this afternoon. T.J. Lemkalko, our President and CEO. Eric Luchanko, our CFO and CSO. They will be joined in the panel for the Q&A by Prem Arshal, Head of BPI Wealth. Jin Bi Go, Head of Consumer Banking. Louis Cruz, Head of Institutional Banking. Jenny Lacerna, Head of Mass Retail Products. Dino Gassman, Treasurer and Head of Global Markets. We're also joined today by the rest of the BPI leadership team in this call. This afternoon's agenda will begin with opening remarks from our President and CEO, T.J. Lamcalco, followed by our CFO and CSO, Eric Luchanko. who will walk you through the first quarter performance highlights and likewise provide updates on our digital platforms and strategic initiatives. The floor will then be open to questions from the audience. Please note the call is being recorded and legal disclaimers apply. Now let me turn you over to TG for his opening remarks. Thank you very much, Hodge, and a nice afternoon to everyone joining us today. I see a lot of familiar faces here, and I'm sure there are a lot of familiar faces on the call. I look forward to a very engaging conversation after Eric's report. But let me start off by making a couple of points that despite the challenging conditions brought about by the Middle East crisis, the bank managed to report net income for the first quarter. That...