Bank of the Philippine Islands (BPHLF) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Okay, good afternoon, ladies and gentlemen, and thank you for joining us today. Welcome to BPI's earnings call as we go through the results of our performance for the second quarter and first half of 2026. I'm Hajner Baez. I'll be your moderator for today's session. We are conducting this briefing in a hybrid format with our BPI speakers and panelists joining us from our headquarters at Ayala Triangle Gardens Tower 2 in Makati City. while many of our participants are also joining us remotely. I am pleased to introduce you to our speakers and panelists for this afternoon. T.J. Limcaoco, President and CEO. Eric Luchangco, CFO and CSO. They will be joined in the panel for the Q&A session by Tere Marshall, Head of DTI Wealth Jin Di Ko, Head of Consumer Banking Louis Cruz, Head of Institutional Banking Dino Gassman, Treasurer and Head of Global Markets We are also joined by the rest of the VPI leadership team in this call. This afternoon's agenda will begin with opening remarks from our President and CEO, T.J. Limcaoco, followed by our CFO and CSO, Eric Luchangco, who will walk you through the second quarter and first half performance highlights, as well as updates on our digital platforms and strategic initiatives. The floor will then be open to questions from the audience. Please note that this call is being recorded and that legal disclaimers apply. Now let me turn you over to DG for his opening remarks. Thank you very much, Haji, and a nice afternoon to everyone joining us today here in person or online. Again, as usual, we will present our detailed results of our second quarter in our first half. Our CFO, Eric Luchangco, will do that. But allow me to make a couple of points about our performance. Our performance for the first half was basically flat versus last year....