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Price: 78 PHP

Market Cap: ₱350.8B

Income Statement

Net Interest Income

Non Interest Income

Currency: PHP

		Dec-2002	Mar-2003	Jun-2003	Sep-2003	Dec-2003	Mar-2004	Jun-2004	Sep-2004	Dec-2004	Mar-2005	Jun-2005	Sep-2005	Dec-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025
Revenue
Net Interest Income		13 048	9 569	12 547	12 123	9 929	12 610	13 350	14 318	13 484	14 598	14 676	14 974	19 856	19 831	20 530	21 095	19 099	19 593	20 894	21 595	21 466	21 245	21 373	21 654	23 069	25 131	25 997	26 847	26 679	26 161	26 025	26 141	26 390	27 239	27 964	27 862	29 407	29 913	30 021	30 896	30 854	31 207	32 789	35 428	38 269	41 221	43 355	44 689	45 763	46 268	47 283	48 004	48 974	50 039	50 704	51 734	52 946	54 740	56 956	59 244	61 406	62 989	65 108	67 091	68 822	70 820	72 023	74 062	76 997	80 313	84 961	86 616	86 107	83 726	79 120	76 587	75 049	75 314	77 367	80 800	85 529	91 097	96 290	100 676	104 970	108 796	112 361	113 455	114 115	114 795	116 182	120 207
Interest Income		28 905	20 121	27 170	27 556	27 491	28 361	29 040	30 083	31 204	32 680	32 726	33 262	36 956	37 236	38 786	39 856	38 924	39 117	39 556	39 749	38 384	38 168	38 419	39 106	41 714	44 443	45 189	45 131	43 715	42 341	41 934	41 802	41 464	41 679	42 829	43 115	45 037	45 529	44 952	45 367	45 016	45 049	45 842	47 873	49 892	52 646	55 384	57 343	59 294	60 812	62 812	64 240	65 556	66 628	66 725	67 257	68 181	70 082	73 347	76 895	80 322	83 659	87 279	91 544	97 186	103 482	109 757	113 955	116 183	116 873	116 358	113 019	107 787	101 040	93 538	89 624	87 177	86 792	88 266	92 462	0	0	0	0	153 612	83 954	128 226	173 089	177 664	179 974	180 736	183 093
Interest Expense		15 857	10 552	14 623	15 433	17 562	15 751	15 691	15 764	17 720	18 082	18 049	18 289	17 100	12 893	18 258	18 762	19 825	19 525	18 662	18 154	16 918	16 922	17 046	17 453	18 645	19 312	19 191	18 283	17 036	16 181	15 910	15 662	15 074	14 440	11 171	15 253	15 630	15 616	10 860	10 400	14 162	13 842	13 053	12 445	11 623	11 425	12 029	12 654	13 531	14 544	15 529	16 236	16 582	16 589	16 021	15 523	15 235	15 342	16 391	17 651	18 916	20 670	22 171	24 453	28 364	32 662	37 734	39 893	39 186	36 560	31 397	26 403	21 680	17 314	14 418	13 037	12 128	11 478	10 899	11 662	16 841	24 508	33 757	43 089	48 642	52 497	55 591	59 634	63 549	65 179	64 554	62 886
Non Interest Income		9 731	7 676	11 832	11 884	13 878	13 181	11 738	11 258	12 104	12 307	11 725	12 299	8 696	11 136	12 678	12 974	13 879	15 079	14 488	14 195	14 906	17 293	18 389	20 295	11 486	32 996	32 271	31 912	17 000	44 458	46 051	47 416	21 710	20 943	22 105	21 827	21 010	25 784	24 282	23 578	28 772	38 772	43 937	43 311	44 398	32 387	27 148	28 440	29 676	27 143	27 232	25 842	18 837	19 956	21 192	22 124	25 486	24 338	24 142	25 692	23 238	27 908	27 950	27 036	23 784	24 258	25 710	30 131	29 922	32 355	40 096	39 333	35 793	37 519	28 599	24 870	26 399	26 775	27 584	27 951	29 924	28 269	28 192	30 319	29 473	31 529	31 220	35 262	33 312	35 677	38 084	33 812
Revenue		22 779 N/A	17 245 -24%	24 379 +41%	24 007 -2%	23 807 -1%	25 791 +8%	25 088 -3%	25 576 +2%	25 588 +0%	26 905 +5%	26 401 -2%	27 273 +3%	28 552 +5%	30 967 +8%	33 208 +7%	34 069 +3%	32 978 -3%	34 672 +5%	35 382 +2%	35 790 +1%	36 372 +2%	38 538 +6%	39 762 +3%	41 949 +6%	34 555 -18%	58 127 +68%	58 268 +0%	58 759 +1%	43 679 -26%	70 619 +62%	72 076 +2%	73 557 +2%	48 100 -35%	48 182 +0%	50 069 +4%	49 689 -1%	50 417 +1%	55 697 +10%	54 303 -3%	54 474 +0%	59 626 +9%	69 979 +17%	76 726 +10%	78 739 +3%	82 667 +5%	73 608 -11%	70 503 -4%	73 129 +4%	75 439 +3%	73 411 -3%	74 515 +2%	73 846 -1%	67 811 -8%	69 995 +3%	71 896 +3%	73 858 +3%	78 432 +6%	79 078 +1%	81 098 +3%	84 936 +5%	84 644 0%	90 897 +7%	93 058 +2%	94 127 +1%	92 606 -2%	95 078 +3%	97 733 +3%	104 193 +7%	106 919 +3%	112 668 +5%	125 057 +11%	125 949 +1%	121 900 -3%	121 245 -1%	107 719 -11%	101 457 -6%	101 448 0%	102 089 +1%	104 951 +3%	108 751 +4%	115 453 +6%	119 366 +3%	124 482 +4%	130 995 +5%	134 443 +3%	140 325 +4%	143 581 +2%	148 717 +4%	147 427 -1%	150 472 +2%	154 266 +3%	154 019 0%
Pre-Tax Income
Loan Loss Provision		(4 643)	(4 188)	(6 183)	(5 819)	(2 759)	(3 672)	(2 089)	(2 124)	(2 887)	(3 044)	(3 745)	(4 430)	(4 494)	(5 589)	(7 410)	(7 239)	(8 097)	(7 475)	(5 695)	(5 779)	(7 787)	(7 817)	(7 581)	(9 048)	(3 249)	(3 556)	(4 419)	(4 487)	(8 793)	(9 413)	(10 036)	(9 128)	(7 285)	(6 381)	(5 002)	(4 225)	(3 823)	(4 774)	(4 359)	(4 969)	(4 478)	(4 145)	(5 149)	(5 051)	(10 722)	(10 737)	(9 905)	(10 042)	(4 849)	(4 597)	(4 867)	(3 528)	(2 059)	(2 973)	(3 308)	(4 788)	(7 342)	(6 622)	(6 646)	(8 546)	(7 507)	(8 275)	(8 472)	(6 804)	(7 770)	(8 312)	(8 900)	(10 318)	(10 078)	(12 716)	(28 261)	(37 683)	(40 760)	(38 229)	(25 009)	(15 418)	(11 834)	(11 374)	(8 629)	(7 513)	(8 112)	(8 455)	(8 794)	(9 211)	(8 978)	(7 148)	(5 505)	(5 704)	(6 360)	(8 406)	(11 208)	(11 525)
Non Interest Expense		(15 900)	(12 486)	(16 447)	(16 767)	(16 731)	(17 105)	(18 002)	(18 260)	(17 148)	(17 553)	(16 842)	(17 004)	(18 393)	(18 437)	(19 438)	(19 108)	(20 222)	(20 859)	(21 012)	(21 507)	(22 174)	(23 138)	(25 020)	(26 483)	(24 194)	(46 369)	(45 368)	(45 137)	(25 842)	(52 205)	(52 714)	(53 145)	(27 818)	(27 882)	(29 075)	(29 659)	(30 680)	(25 624)	(25 106)	(24 878)	(33 375)	(35 770)	(37 829)	(39 326)	(41 041)	(38 244)	(38 318)	(39 415)	(41 026)	(40 445)	(41 648)	(42 465)	(39 872)	(42 514)	(43 109)	(43 780)	(44 152)	(44 767)	(46 114)	(46 653)	(47 877)	(53 054)	(54 124)	(55 443)	(53 656)	(54 873)	(55 444)	(57 266)	(57 906)	(61 622)	(62 403)	(61 614)	(60 120)	(60 320)	(59 927)	(60 636)	(59 473)	(59 650)	(59 529)	(60 531)	(63 423)	(63 975)	(66 202)	(67 700)	(69 616)	(74 320)	(76 986)	(80 017)	(80 489)	(82 009)	(81 864)	(80 676)
Pre-Tax Income		2 361 N/A	569 -76%	1 748 +207%	1 420 -19%	4 715 +232%	5 017 +6%	4 998 0%	5 193 +4%	5 851 +13%	6 308 +8%	5 815 -8%	5 840 +0%	6 242 +7%	6 941 +11%	6 360 -8%	7 721 +21%	5 301 -31%	6 336 +20%	8 674 +37%	8 503 -2%	7 807 -8%	7 584 -3%	7 162 -6%	6 420 -10%	8 104 +26%	8 204 +1%	8 481 +3%	9 135 +8%	9 044 -1%	9 002 0%	9 328 +4%	11 286 +21%	12 997 +15%	13 918 +7%	15 991 +15%	15 804 -1%	15 914 +1%	25 299 +59%	24 838 -2%	24 627 -1%	21 773 -12%	30 064 +38%	33 748 +12%	34 362 +2%	30 904 -10%	24 627 -20%	22 280 -10%	23 672 +6%	29 564 +25%	28 369 -4%	28 000 -1%	27 853 -1%	25 880 -7%	24 508 -5%	25 479 +4%	25 290 -1%	26 938 +7%	27 689 +3%	28 338 +2%	29 737 +5%	29 260 -2%	29 568 +1%	30 462 +3%	31 880 +5%	31 180 -2%	31 893 +2%	33 389 +5%	36 609 +10%	38 935 +6%	38 330 -2%	34 393 -10%	26 652 -23%	21 020 -21%	22 696 +8%	22 783 +0%	25 403 +11%	30 141 +19%	31 065 +3%	36 793 +18%	40 707 +11%	43 918 +8%	46 936 +7%	49 486 +5%	54 084 +9%	55 849 +3%	58 857 +5%	61 090 +4%	62 996 +3%	60 578 -4%	60 057 -1%	61 194 +2%	61 818 +1%
Net Income
Tax Provision		316	977	977	1 371	(932)	(1 457)	(1 457)	(1 457)	(1 245)	(1 370)	(1 370)	(1 370)	(1 967)	(2 489)	(1 565)	(2 132)	776	2	(1 487)	(1 382)	(88)	(108)	(411)	(374)	(3 027)	(3 092)	(3 153)	(3 629)	(2 249)	(1 928)	(1 728)	(2 895)	(3 731)	(4 127)	(4 686)	(3 427)	(3 524)	(4 098)	(3 470)	(3 070)	(3 856)	(4 180)	(4 600)	(5 804)	(6 748)	(7 093)	(7 306)	(6 695)	(6 459)	(5 698)	(6 020)	(6 643)	(5 237)	(5 086)	(5 152)	(4 807)	(6 622)	(6 822)	(7 314)	(8 307)	(7 990)	(8 196)	(8 111)	(7 834)	(7 745)	(7 843)	(8 471)	(9 136)	(10 061)	(10 075)	(9 491)	(8 748)	(7 046)	(7 199)	(6 449)	(6 359)	(7 777)	(8 431)	(10 391)	(10 787)	(10 620)	(11 127)	(10 817)	(12 347)	(12 890)	(14 318)	(15 317)	(15 901)	(11 345)	(10 506)	(10 648)	(11 038)
Income from Continuing Operations		2 678	1 547	2 726	2 792	3 783	3 560	3 541	3 736	4 606	4 938	4 445	4 470	4 275	4 453	4 796	5 590	6 076	6 339	7 188	7 122	7 719	7 476	6 751	6 046	5 077	5 112	5 329	5 507	6 795	7 075	7 600	8 391	9 266	9 791	11 305	12 377	12 390	21 201	21 368	21 557	17 917	25 884	29 148	28 558	24 156	17 534	14 974	16 977	23 105	22 671	21 980	21 210	20 643	19 422	20 327	20 483	20 316	20 867	21 024	21 430	21 270	21 372	22 351	24 046	23 435	24 050	24 918	27 473	28 874	28 255	24 902	17 904	13 974	15 497	16 334	19 044	22 364	22 634	26 402	29 920	33 298	35 809	38 669	41 737	42 959	44 539	45 773	47 095	49 233	49 551	50 546	50 780
Income to Minority Interest		(159)	(118)	(200)	(255)	(295)	(338)	(355)	(442)	(522)	(377)	(306)	(291)	(489)	(461)	(508)	(569)	(551)	(550)	(676)	(642)	(675)	(757)	(749)	(749)	(669)	(587)	(590)	(643)	(766)	(863)	(888)	(945)	(900)	(885)	(1 029)	(1 148)	(1 359)	(2 003)	(2 099)	(2 245)	(2 518)	(3 428)	(3 018)	(2 687)	(1 668)	(738)	(1 559)	(2 102)	(2 992)	(3 164)	(1 655)	(921)	(2 018)	(625)	(1 927)	(2 533)	(2 230)	(2 471)	(2 504)	(2 731)	(3 047)	(2 855)	(2 618)	(2 264)	(1 427)	(1 145)	(886)	(638)	(819)	(831)	(747)	(378)	(143)	(8)	54	(138)	(208)	(272)	(347)	(452)	(522)	(537)	(581)	(610)	(721)	(786)	(828)	(914)	(1 096)	(1 158)	(1 168)	(1 094)
Net Income (Common)		2 519 N/A	1 429 -43%	2 526 +77%	2 537 +0%	3 488 +37%	3 222 -8%	3 186 -1%	3 295 +3%	4 084 +24%	4 562 +12%	4 140 -9%	4 179 +1%	3 787 -9%	3 992 +5%	4 288 +7%	5 021 +17%	5 525 +10%	5 789 +5%	6 511 +12%	6 479 0%	7 043 +9%	6 718 -5%	6 003 -11%	5 298 -12%	4 408 -17%	4 525 +3%	4 737 +5%	4 862 +3%	6 029 +24%	6 211 +3%	6 712 +8%	7 446 +11%	8 366 +12%	8 660 +4%	10 030 +16%	10 983 +10%	11 031 +0%	18 720 +70%	18 791 +0%	18 598 -1%	14 923 -20%	21 991 +47%	25 665 +17%	25 397 -1%	22 013 -13%	16 297 -26%	12 916 -21%	14 375 +11%	19 614 +36%	19 012 -3%	19 830 +4%	19 783 0%	18 119 -8%	18 272 +1%	17 875 -2%	17 682 -1%	17 819 +1%	18 396 +3%	18 520 +1%	18 699 +1%	18 223 -3%	18 517 +2%	19 733 +7%	21 782 +10%	22 008 +1%	22 905 +4%	24 032 +5%	26 835 +12%	28 055 +5%	27 424 -2%	24 155 -12%	17 526 -27%	13 831 -21%	15 489 +12%	16 388 +6%	18 906 +15%	22 156 +17%	22 362 +1%	26 055 +17%	29 468 +13%	32 776 +11%	35 272 +8%	38 088 +8%	41 127 +8%	42 238 +3%	43 753 +4%	44 945 +3%	46 181 +3%	48 137 +4%	48 393 +1%	49 378 +2%	49 686 +1%
EPS (Diluted)		0.95 N/A	0.55 -42%	0.96 +75%	0.96 N/A	1.31 +36%	1.21 -8%	1.2 -1%	1.24 +3%	1.54 +24%	1.72 +12%	1.56 -9%	1.58 +1%	1.42 -10%	1.5 +6%	1.61 +7%	1.7 +6%	2.04 +20%	1.96 -4%	2.19 +12%	2.22 +1%	2.4 +8%	2.28 -5%	2.01 -12%	1.8 -10%	1.54 -14%	1.54 N/A	1.61 +5%	1.65 +2%	2.11 +28%	2.11 N/A	2.2 +4%	2.39 +9%	2.82 +18%	2.65 -6%	3.03 +14%	3.28 +8%	3.3 +1%	5.59 +69%	5.61 +0%	5.55 -1%	4.46 -20%	6.58 +48%	7.68 +17%	7.6 -1%	6.58 -13%	4.88 -26%	3.86 -21%	4.29 +11%	5.87 +37%	5.86 0%	4.98 -15%	5.18 +4%	4.96 -4%	4.86 -2%	4.75 -2%	4.72 -1%	4.75 +1%	4.91 +3%	4.94 +1%	4.98 +1%	4.85 -3%	4.93 +2%	4.89 -1%	5.19 +6%	5.16 -1%	5.09 -1%	5.34 +5%	5.97 +12%	6.24 +5%	6.1 -2%	5.37 -12%	3.9 -27%	3.08 -21%	3.45 +12%	3.65 +6%	4.21 +15%	4.93 +17%	4.98 +1%	5.8 +16%	6.56 +13%	7.29 +11%	7.85 +8%	8.47 +8%	9.15 +8%	9.39 +3%	9.73 +4%	10 +3%	10.27 +3%	10.71 +4%	10.76 +0%	10.98 +2%	11.05 +1%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

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