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Price: 74.5 PHP 2.76% Market Closed

Market Cap: ₱56.1B

Income Statement

Net Interest Income

Non Interest Income

Currency: PHP

		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		2 551	2 805	3 015	3 354	3 490	3 712	3 764	3 821	4 053	4 017	4 007	3 968	4 040	4 259	4 572	4 763	4 594	4 617	4 622	4 826	5 032	5 288	5 599	5 795	6 003	6 102	6 103	6 131	6 100	6 242	6 617	7 078	7 538	7 902	8 037	8 016	8 098	8 055	8 027	8 257	8 384	9 201	10 214	10 657	11 161	11 278	11 166	11 750	12 399	13 002	14 001	14 888	15 893	16 838	17 780	18 693	19 386	19 968	20 112	20 332	20 820	21 515	22 637	24 399	26 844	29 210	30 840	31 371	30 650	29 214	28 383	27 748	27 456	27 775	28 330	28 971	29 246	29 733	30 547	31 971	34 734	38 008	51 379	53 119	43 722	55 604	58 261	60 424
Interest Income		4 888	5 364	5 793	6 355	6 797	7 304	7 614	7 972	8 358	8 206	8 030	7 922	7 970	8 455	9 067	9 598	8 956	8 701	8 383	8 092	8 948	9 372	9 658	9 747	9 493	9 223	9 058	8 996	8 926	9 118	9 577	10 109	10 675	11 073	11 224	11 284	11 573	11 730	11 886	12 246	12 331	13 086	14 074	14 624	15 394	15 946	16 273	17 296	18 349	19 252	20 430	21 484	22 825	24 286	25 932	27 598	28 795	29 764	30 611	31 795	33 962	36 775	39 606	42 293	44 204	45 305	45 109	43 004	40 353	37 213	34 952	33 785	32 903	32 577	32 878	34 272	0	0	0	0	49 095	27 254	42 215	58 352	62 806	67 533	71 791	75 455
Interest Expense		2 337	2 557	2 776	2 999	3 307	3 592	3 850	4 151	4 305	4 187	4 022	3 953	3 929	4 195	4 493	4 834	4 362	4 083	3 761	3 266	3 916	4 085	4 059	3 953	3 489	3 122	2 955	2 864	2 827	2 876	2 960	3 031	3 137	3 170	3 187	3 268	3 476	3 675	3 859	3 988	3 947	3 884	3 859	3 966	4 233	4 670	5 109	5 548	5 950	6 250	6 429	6 596	6 932	7 448	8 152	8 905	9 409	9 796	10 499	11 462	13 142	15 260	16 967	17 894	17 360	16 096	14 270	11 634	9 703	7 999	6 570	6 038	5 447	4 804	4 549	5 302	7 509	10 127	12 630	14 333	14 361	13 863	14 191	19 152	19 084	25 848	32 176	33 677
Non Interest Income		1 477	684	896	1 050	1 257	842	730	695	1 916	872	933	763	2 580	1 188	1 466	1 635	3 341	2 390	2 290	2 147	1 577	1 632	1 560	1 730	1 896	1 970	2 150	2 148	6 751	2 189	2 308	2 577	4 123	3 410	6 593	6 668	5 929	6 036	2 727	4 460	4 270	4 602	5 955	5 953	5 783	8 488	7 544	5 975	5 910	5 656	5 623	5 520	4 938	4 553	4 851	4 749	5 699	5 502	5 231	5 714	4 779	5 458	6 230	6 757	7 105	10 438	13 602	18 654	19 918	18 739	16 479	11 923	9 354	9 596	9 492	9 896	10 415	10 523	10 867	10 737	10 318	12 334	16 102	17 206	12 970	17 634	18 232	18 989
Revenue		4 028 N/A	3 489 -13%	3 911 +12%	4 404 +13%	4 747 +8%	4 554 -4%	4 494 -1%	4 516 +0%	5 969 +32%	4 889 -18%	4 940 +1%	4 731 -4%	6 620 +40%	5 447 -18%	6 038 +11%	6 398 +6%	7 935 +24%	7 007 -12%	6 912 -1%	6 973 +1%	6 609 -5%	6 920 +5%	7 159 +3%	7 525 +5%	7 899 +5%	8 072 +2%	8 253 +2%	8 279 +0%	12 851 +55%	8 431 -34%	8 925 +6%	9 655 +8%	11 661 +21%	11 312 -3%	14 630 +29%	14 684 +0%	14 027 -4%	14 091 +0%	10 754 -24%	12 717 +18%	12 654 0%	13 803 +9%	16 169 +17%	16 610 +3%	16 944 +2%	19 766 +17%	18 710 -5%	17 725 -5%	18 309 +3%	18 658 +2%	19 624 +5%	20 408 +4%	20 831 +2%	21 391 +3%	22 631 +6%	23 442 +4%	25 085 +7%	25 470 +2%	25 343 0%	26 046 +3%	25 599 -2%	26 973 +5%	28 867 +7%	31 156 +8%	33 949 +9%	39 648 +17%	44 442 +12%	50 025 +13%	50 568 +1%	47 953 -5%	44 862 -6%	39 671 -12%	36 810 -7%	37 371 +2%	37 823 +1%	38 866 +3%	39 661 +2%	40 256 +1%	41 414 +3%	42 708 +3%	45 051 +5%	50 342 +12%	67 481 +34%	70 326 +4%	56 692 -19%	73 238 +29%	76 493 +4%	79 413 +4%
Pre-Tax Income
Loan Loss Provision		(929)	(929)	(880)	(1 200)	(325)	(1 341)	(1 276)	(972)	(732)	(642)	(508)	(272)	(534)	(684)	(720)	(651)	(930)	(931)	(862)	(659)	(548)	(266)	(395)	(632)	(487)	(466)	(438)	(421)	(236)	(135)	(34)	0	(59)	0	(109)	(109)	(248)	(274)	(244)	(268)	(128)	(235)	(782)	(842)	(790)	(845)	(482)	(605)	(628)	(652)	(644)	(692)	(938)	(874)	(771)	(681)	(656)	(507)	(504)	(476)	(714)	(1 009)	(1 263)	(2 237)	(4 174)	(9 566)	(14 519)	(23 484)	(26 383)	(21 099)	(17 840)	(9 413)	(5 281)	(4 958)	(3 248)	(2 816)	(2 634)	(3 170)	(3 826)	(3 641)	(4 666)	(5 577)	(7 906)	(8 668)	(6 654)	(9 031)	(10 789)	(12 546)
Non Interest Expense		(2 261)	(1 678)	(2 188)	(2 410)	(3 674)	(2 300)	(2 090)	(2 120)	(3 279)	(2 028)	(2 237)	(2 008)	(3 795)	(2 247)	(2 512)	(2 954)	(3 766)	(2 787)	(2 986)	(3 378)	(3 368)	(4 024)	(3 898)	(3 603)	(3 936)	(3 933)	(3 931)	(3 259)	(4 721)	(354)	(378)	(1 048)	(4 149)	(3 721)	(4 404)	(4 939)	(6 000)	(5 853)	(6 135)	(6 706)	(7 014)	(7 719)	(7 848)	(7 759)	(8 064)	(8 959)	(9 113)	(9 361)	(9 379)	(10 086)	(10 488)	(10 930)	(10 463)	(11 205)	(11 669)	(12 147)	(12 477)	(13 168)	(13 414)	(13 694)	(13 798)	(14 662)	(15 525)	(16 657)	(17 359)	(18 521)	(19 346)	(19 915)	(19 931)	(21 617)	(21 854)	(22 119)	(21 268)	(21 741)	(21 790)	(22 213)	(23 142)	(23 864)	(25 189)	(26 754)	(28 326)	(32 396)	(43 365)	(44 471)	(34 798)	(45 269)	(46 447)	(47 508)
Pre-Tax Income		839 N/A	884 +5%	844 -5%	794 -6%	747 -6%	911 +22%	1 126 +24%	1 423 +26%	1 958 +38%	2 219 +13%	2 196 -1%	2 451 +12%	2 291 -7%	2 516 +10%	2 806 +12%	2 793 0%	3 239 +16%	3 290 +2%	3 064 -7%	2 937 -4%	2 693 -8%	2 630 -2%	2 867 +9%	3 290 +15%	3 476 +6%	3 672 +6%	3 884 +6%	4 599 +18%	7 893 +72%	7 943 +1%	8 514 +7%	8 608 +1%	7 451 -13%	7 530 +1%	10 114 +34%	9 633 -5%	7 779 -19%	7 963 +2%	4 380 -45%	5 747 +31%	5 512 -4%	5 854 +6%	7 538 +29%	8 009 +6%	8 089 +1%	9 961 +23%	9 114 -9%	7 759 -15%	8 302 +7%	7 921 -5%	8 493 +7%	8 786 +3%	9 431 +7%	9 311 -1%	10 190 +9%	10 613 +4%	11 951 +13%	11 795 -1%	11 425 -3%	11 876 +4%	11 086 -7%	11 302 +2%	12 079 +7%	12 261 +2%	12 415 +1%	11 560 -7%	10 576 -9%	6 626 -37%	4 253 -36%	5 237 +23%	5 167 -1%	8 137 +57%	10 262 +26%	10 671 +4%	12 784 +20%	13 838 +8%	13 885 +0%	13 222 -5%	12 400 -6%	12 313 -1%	12 059 -2%	12 368 +3%	16 211 +31%	17 187 +6%	15 240 -11%	18 937 +24%	19 257 +2%	19 360 +1%
Net Income
Tax Provision		(328)	(342)	(332)	(198)	(113)	(210)	(309)	(536)	(798)	(785)	(697)	(836)	(391)	(398)	(499)	(412)	(528)	(497)	(464)	(337)	(366)	(390)	(437)	(490)	(414)	(430)	(399)	(417)	(732)	(702)	(742)	(743)	(668)	(660)	(715)	(630)	(233)	(291)	(157)	(218)	(420)	(549)	(544)	(671)	(869)	(820)	(874)	(930)	(915)	(910)	(935)	(880)	(877)	(949)	(1 244)	(1 295)	(1 686)	(1 997)	(2 110)	(2 455)	(2 476)	(2 657)	(2 811)	(2 496)	(2 313)	(951)	237	2 445	3 179	951	(278)	(2 535)	(3 345)	(2 673)	(2 740)	(3 199)	(3 330)	(3 031)	(3 174)	(2 747)	(2 953)	(2 994)	(3 947)	(4 563)	(4 002)	(4 878)	(4 784)	(4 686)
Income from Continuing Operations		511	542	512	597	634	703	820	889	1 160	1 435	1 499	1 615	1 900	2 118	2 306	2 379	2 711	2 791	2 600	2 601	2 327	2 241	2 430	2 800	3 062	3 242	3 484	4 181	7 161	7 240	7 772	7 865	6 784	6 871	9 401	9 005	7 546	7 673	4 224	5 531	5 091	5 307	6 995	7 338	7 220	9 142	8 241	6 829	7 387	7 011	7 558	7 907	8 554	8 362	8 946	9 318	10 265	9 798	9 315	9 421	8 610	8 646	9 269	9 766	10 102	10 609	10 813	9 071	7 432	6 188	4 889	5 603	6 917	7 998	10 045	10 639	10 556	10 191	9 225	9 566	9 105	9 375	12 264	12 624	11 238	14 060	14 473	14 674
Income to Minority Interest		(5)	(4)	(5)	(5)	134	132	132	131	(4)	(4)	(4)	(3)	2	1	0	(1)	(5)	(5)	(4)	(4)	(17)	(16)	(15)	(18)	0	1	0	3	(1)	(3)	(3)	(2)	(83)	(82)	(79)	(71)	(30)	(37)	(82)	(97)	(80)	(84)	(54)	(65)	(57)	(59)	(56)	(58)	(3)	11	21	41	0	0	0	0	0	0	0	0	(1)	0	0	0	0	0	(1)	0	0	0	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income (Common)		506 N/A	538 +6%	508 -6%	592 +17%	768 +30%	835 +9%	951 +14%	1 019 +7%	1 156 +13%	1 430 +24%	1 495 +5%	1 612 +8%	1 901 +18%	2 119 +11%	2 306 +9%	2 379 +3%	2 706 +14%	2 788 +3%	2 597 -7%	2 598 +0%	2 310 -11%	2 225 -4%	2 414 +8%	2 781 +15%	3 062 +10%	3 242 +6%	3 485 +7%	4 185 +20%	7 160 +71%	7 239 +1%	7 770 +7%	7 863 +1%	6 701 -15%	6 788 +1%	9 320 +37%	8 933 -4%	7 516 -16%	7 635 +2%	4 142 -46%	5 433 +31%	5 012 -8%	5 223 +4%	6 942 +33%	7 275 +5%	7 164 -2%	9 097 +27%	8 206 -10%	6 790 -17%	7 697 +13%	7 342 -5%	7 891 +7%	8 261 +5%	8 551 +4%	8 359 -2%	8 943 +7%	9 316 +4%	10 261 +10%	9 793 -5%	9 310 -5%	9 415 +1%	8 604 -9%	8 639 +0%	9 262 +7%	9 760 +5%	10 097 +3%	10 605 +5%	10 808 +2%	9 067 -16%	7 428 -18%	6 183 -17%	4 885 -21%	5 598 +15%	6 913 +23%	7 994 +16%	10 037 +26%	10 631 +6%	10 551 -1%	10 187 -3%	9 221 -9%	9 561 +4%	9 101 -5%	9 370 +3%	12 260 +31%	12 620 +3%	11 234 -11%	14 050 +25%	14 467 +3%	14 663 +1%
EPS (Diluted)		0.94 N/A	1 +6%	0.95 -5%	1.1 +16%	1.43 +30%	1.46 +2%	1.77 +21%	1.89 +7%	2.15 +14%	2.66 +24%	2.78 +5%	3 +8%	3.54 +18%	3.94 +11%	4.29 +9%	4.42 +3%	5.04 +14%	5.19 +3%	4.78 -8%	4.85 +1%	4.37 -10%	4.14 -5%	4.58 +11%	5.25 +15%	5.68 +8%	5.37 -5%	5.77 +7%	6.94 +20%	14.25 +105%	12 -16%	12.88 +7%	13.04 +1%	11.12 -15%	11.26 +1%	15.46 +37%	14.81 -4%	12.47 -16%	12.66 +2%	6.87 -46%	9.02 +31%	8.31 -8%	8.67 +4%	11.39 +31%	12.07 +6%	11.88 -2%	15.07 +27%	13.6 -10%	11.26 -17%	12.76 +13%	12.17 -5%	10.99 -10%	11.53 +5%	11.95 +4%	11.08 -7%	11.86 +7%	12.35 +4%	13.62 +10%	12.99 -5%	12.35 -5%	12.49 +1%	11.42 -9%	11.46 +0%	12.29 +7%	12.95 +5%	13.4 +3%	14.07 +5%	14.34 +2%	12.03 -16%	9.86 -18%	8.2 -17%	6.48 -21%	7.43 +15%	9.17 +23%	10.62 +16%	13.32 +25%	14.11 +6%	14 -1%	13.52 -3%	12.24 -9%	12.69 +4%	12.08 -5%	12.44 +3%	16.27 +31%	16.75 +3%	14.91 -11%	18.64 +25%	19.2 +3%	19.46 +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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