Philippine National Bank (PNB) Investor presentation summary

Company overview

• One of the largest private universal banks in the Philippines by assets, loans, deposits, and capital.

• Offers comprehensive banking and financial services to individuals, SMEs, corporations, and overseas Filipinos.

• Operates 635 branches and 1,730 ATMs nationwide, with 67 overseas offices in 17 countries.

• Extensive international reach and over a century of operational history.

Products and services

• Provides branch banking, retail and institutional lending, deposit accounts, e-banking, and cash management.

• Offers trust and wealth management, treasury services, remittance, investment banking, stock brokerage, and insurance.

• Subsidiaries and affiliates extend services in investment banking, leasing, remittance, and insurance.

Financial performance (FY 2025)

• Net income rose 20% to ₱25.3 billion, driven by core revenue growth and lower credit provisions.

• Total assets increased 9% to ₱1.375 trillion, with loans and receivables up 16%.

• Net interest income grew 6% to ₱52.5 billion; fee-based and other income up 22%.

• Return on average equity at 11.09%, cost efficiency ratio improved to 48.17%.

• Capital adequacy ratio steady at 20.1%.