Bank of the Philippine Islands (BPHLF) Q3 2025 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 third quarter and nine months of 2025. I'm Haj Narvaez, your moderator for this session. We are conducting this briefing in a hybrid manner with our BPI speakers and panelists here in our headquarters at Tower 2 of Ayala Triangle Gardens, Makati City. We also have the rest of our participants dialing in remotely. I am pleased to introduce you to our speakers and panelists this afternoon. First, T.J. Lemkauko, President and CEO. Eric Lochanco, CFO and CSO. They will be joined in the panel for the Q&A by Tere Marshal, head of BPI Wealth. Jindy Goh, 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, is unable to join us today, but representing him and the group will be Jethro Sora. We are also joined by the rest of the BPI leadership team in this call. So moving on, this afternoon's agenda will begin with opening remarks from our President and CEO, T.G. Limcauco, followed by our CFO and CSO, Eric Luchanko, who will walk you through the third quarter and nine months performance highlights, as well as the digitalization updates. The floor will then be open to questions from the audience. Please note that this call is being recorded and legal disclaimers apply. Now let me turn you over to T.G. for his opening remarks. Thank you very much, Hodge, and a nice afternoon to all of you, and thank you for joining us this afternoon. As we reported last October 16, our financial results remain robust. demonstrating that our strategy of broadening our client base growing the share of our non-institutional loans in our loan book investing in our distribution channels and t...