Bank of the Philippine Islands (BPHLF) Q4 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 fourth quarter and full year of 2025. I'm Haj Narvaez, your moderator for this session. Just as a reminder, 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. We also have some participants who are dialing in remotely. I am pleased to introduce you to our speakers and panelists this afternoon. First, T.G. Lemkalko, our president and CEO. Eric Lochanco, CFO and CSO. They will also be joined in the panel for the Q&A by Tere Marshall, head of BPI Wealth. Jin B. Goh, head of Consumer Banking. Louis Cruz, head of Institutional Banking. Jenny Lacerna, Head of Master Retail Products, and Dino Gassman, Treasurer and Head of Global Markets. We are also joined 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.G. Namkauko, followed by our CFO and CSO, Eric Lochanco, who will walk you through the fourth quarter and full year performance highlights. as well as 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. Very nice. Welcome to everyone joining us on this call today, both here at Tower 2 and virtually. Very happy to report that despite the domestic issues that this country faced towards the second half of last year, DPI managed to a 7.4% increase in our net income after tax to 66.6 billion pesos, the details of which our CFO, Eric Luchanko will go into. This was really driven, from my...