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Manila Bulletin devider Business devider The Stock Market devider Stronger revenues lift BPI profits to ₱50.5 billion at end-Q3

Stronger revenues lift BPI profits to ₱50.5 billion at end-Q3

Published Oct 16, 2025 09:02 am
Bank of the Philippine Islands (BPI), the financial services arm of the Ayala Group, posted a 5.2-percent improvement in net income to ₱50.5 billion in the first nine months of 2025 from the ₱48 billion earned in the same period last year.
The bank said in a disclosure to the Philippine Stock Exchange (PSE) that its earnings growth was supported by revenue expansion that cushioned higher operating expenses (opex) and provisions.
Total revenues for the first nine months reached ₱142.3 billion, up 13.2 percent year-on-year, driven by a 16.2-percent increase in net interest income to ₱109.1 billion, on the back of an 8.7-percent increase in the average earning asset base, and a 30-basis-point (bp) expansion in net interest margin to 4.6 percent.
Non-interest income grew 4.2 percent year-on-year to ₱33.3 billion, supported by fee-based businesses, particularly credit cards and wealth management, as well as higher trading income.
Opex rose 10.13 percent year-on-year to reach ₱65.5 billion, due to rising business volume-related expenses, manpower, and technology. Despite the increase in opex, the cost-to-income ratio improved by 118 bps to 46 percent, due to strong revenue generation.
BPI closed the third quarter with a non-performing loan (NPL) ratio of 2.3 percent. After recognizing ₱11.8 billion in provisions year-to-date, its NPL coverage ratio finished at 96.5 percent.
Total assets reached ₱3.5 trillion, up 9.3 percent year-on-year. Gross loans reached ₱2.4 trillion, up 13.3 percent from last year, fueled by strong growth from non-institutional loans.
Total deposits grew to ₱2.7 trillion, up 7.7 percent year-on-year. The bank’s current and savings accounts (CASA) stood at ₱1.6 trillion, up 4.3 percent, with a CASA ratio of 61 percent, while the loan-to-deposit ratio reached 90.3 percent.
Total equity stood at ₱474.8 billion, up 9.6 percent year-on-year, with an indicative common equity tier 1 (CET1) ratio of 14.9 percent and a capital adequacy ratio (CAR) of 15.8 percent, both well above regulatory requirements.
BPI marked a new milestone this October with the opening of BPI Wealth Singapore, a wholly owned subsidiary of the bank.
The launch represents BPI’s continued expansion in Asia and its commitment to providing Filipino and regional clients access to one of the world’s most dynamic financial centers.

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