In 2025, the Bank delivered a solid full year performance with net income of Php 66.62 billion, up 7.4% from the previous year. Revenue growth remained strong although income growth was partly tempered by higher provisions and operating expenses.
Total assets stood at Php 3.7 trillion, up 10.0% year-on-year. Total loans expanded 14.7% over the previous year to Php 2.6 trillion, with sustained growth across all portfolios, while Total deposits grew to Php 2.8 trillion, up 8.6% year-on-year.
Asset quality remained healthy with NPL ratio at 2.18% and NPL coverage ratio at 94.9% as of the end of the year.
Financial Operating Highlights
| Consolidated | |||
|---|---|---|---|
| 2024 | 2025 | Change | |
| BALANCE SHEET (in Php mn) | YoY | ||
| Assets | 3,318,813 | 3,651,488 | 10.02% |
| Liquid Assets | 350,416 | 318,327 | -9.16% |
| Treasury Securities | 658,618 | 723,786 | 9.89% |
| Gross Loans | 2,287,047 | 2,623,266 | 14.70% |
| Net Loans | 2,238,765 | 2,567,131 | 14.67% |
| Deposits | 2,614,802 | 2,838,525 | 8.56% |
| Equity (1) | 430,469 | 476,553 | 10.71% |
| INCOME STATEMENT (in Php mn) | |||
| Net Interest Income | 127,586 | 148,028 | 16.02% |
| Non-Interest Income | 42,553 | 47,249 | 11.04% |
| Net Revenues | 170,139 | 195,277 | 14.78% |
| Operating Expenses | 83,796 | 92,105 | 9.92% |
| Pre-provision Profit | 86,342 | 103,172 | 19.49% |
| Impairment Losses | 6,600 | 17,750 | 168.94% |
| Net Income (1) | 62,049 | 66,615 | 7.36% |
| FINANCIAL PERFORMANCE INDICATORS | |||
| Profitability | bps | ||
| Return on Equity | 15.07% | 14.54% | -53 |
| Return on Assets | 1.98% | 1.96% | -2 |
| Margins and Liquidity | |||
| Net Interest Margin | 4.31% | 4.59% | 28 |
| Net Loans to Deposit Ratio | 85.62% | 90.44% | 482 |
| Cost Efficiency | |||
| Cost to Income Ratio | 49.25% | 47.17% | -209 |
| Cost to Average Assets Ratio | 2.67% | 2.71% | 4 |
| Asset Quality | |||
| NPL Ratio (2) | 2.13% | 2.18% | 6 |
| NPL Cover | 106.22% | 94.87% | -1,135 |
| Capital and Leverage | |||
| Tier 1 Ratio | 13.86% | 13.94% | 8 |
| CET 1 Ratio | 13.86% | 13.94% | 8 |
| Capital Adequacy Ratio | 14.63% | 14.75% | 12 |
| Leverage Ratio | 10.75% | 11.02% | 27 |
| DISTRIBUTION NETWORK AND MANPOWER | YoY | ||
| Branches/International Offices | 1,266 | 1,318 | 4.11% |
| ATMs | 2,581 | 2,610 | 1.12% |
| Employees | 22,603 | 23,580 | 4.32% |
| Officers | 9,084 | 9,588 | 5.55% |
| Staff | 13,519 | 13,992 | 3.50% |
| SHAREHOLDER INFORMATION | YoY | ||
| Market Value | |||
| Share Price | 122 | 116 | -4.84% |
| Market Capitalization (in Php mn) | 643,196 | 520,454 | -19.08% |
| Valuation | |||
| EPS, Basic and Diluted | 11.78 | 12.62 | 7.10% |
| Book Value per Share | 81.65 | 89.85 | 10.04% |
| Price-Earnings Ratio | 10.37 | 9.20 | -11.25% |
| Price to Book Value | 1.49 | 1.29 | -13.52% |
| Dividends | |||
| Cash Dividends Paid to Common Shareholders (in Php mn) | 20,878 | 23,037 | 10.34% |
| Cash Dividends per Common Share | 3.96 | 4.36 | 10.10% |
| (1) Attributable to equity holders of BPI | |||
| (2) Based on BSP circular 941 | |||
View our Historical Financial Operating Highlights
Related information
Investor Presentations
Information on the company is shared regularly with the investing public.
Financial Statements
The BPI management is responsible for the preparation of the financial statements.
Integrated Reports
Comprehensive accounts on the key strategies and results of the company’s activities.
