Bank of the Philippine Islands (BPI) Investor presentation summary

Franchise and strategic priorities

• Founded in 1851, with 174 years of continuous operations; universal banking franchise serving retail and corporate clients.

• Distribution includes 1,277 branches and branch-lite units, over 2,500 ATMs and cash-accept machines, 3 international banking subsidiaries and 123 remittance tie-ups in 27 countries.

• Five operating segments span institutional, business, consumer and wealth banking, plus agency banking; insurance, investment banking and microfinance are also offered.

• Strategic priorities include a 30% Consumer/SME loan-book share, leadership in digital banking across 7 platforms, sustainable banking, stronger funding leadership and branch reformatting and retraining.

2025 financial performance

• Net income was PHP66.8bn, up 7.4% YoY; income before tax was PHP85.4bn, up 7.1%.

• Net interest income rose 16.0% YoY to PHP148.0bn; other income increased 11.0% to PHP47.2bn.

• Impairment losses increased 168.9% YoY to PHP17.8bn; net interest income after impairment losses grew 7.7% to PHP130.3bn.

• EPS reached PHP12.62; ROA was 2.0% and ROE 14.5% in 2025.

Balance sheet, funding and credit

• 2025 total assets were PHP3,651.5bn, up 1.9% YoY; net loans were PHP2,567.1bn, up 2.8%, and deposits were PHP2,838.5bn, up 1.7%.

• NIM rose to 4.59% from 4.31% in 2024; cost-to-income improved to 47.2% from 49.3%.

• CASA was 60.7%, loan-to-deposit 92.4%, and liquidity coverage ratio 146.6% in 2025.

• NPL ratio was 2.18%, credit cost 75 bps and PFRS 9 NPL coverage 94.9%; CAR was 14.8% and CET1 13.9%.

• Moody’s long-term local and foreign currency rating was Baa2 and S&P’s standalone rating was BBB+, both with stable outlooks.