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Manila Bulletin devider Business devider Banking & Finance devider PSBank's 9-month profit drops 29% to ₱2.85 billion

PSBank's 9-month profit drops 29% to ₱2.85 billion

Published Nov 7, 2025 02:51 pm
Philippine Savings Bank (PSBank), the thrift banking arm of the Metrobank Group, reported a 29-percent drop in net income to ₱2.85 billion in the first nine months of 2025 from ₱4 billion in the same period last year.
The bank did not disclosure the reason for the drop in earnings nor did it provide figures for revenues for the period under review. It has yet to file its financial statement for the said period.
However, the bank said its net interest income improved by eight percent year-on-year to ₱9.85 billion, fueled by sustained loan demand across consumer and small and medium enterprise (SME) segments.
Total loan portfolio continued to register double-digit expansion, increasing by 12 percent to ₱155 billion as of the third quarter of 2025. Gross non-performing loan (NPL) ratio remained in check, at 3.5 percent.
The bank’s pr0oductivity initiatives limited the increase in operating expenses (opex) at two percent year-on-year, contributing to a three-percent pre-provision operating profit growth.
Compared to 2024, credit provisions were higher due to last year’s one-off updates in its expected credit loss model.
Total resources stood at ₱222 billion, while deposits ended at ₱164 billion as of Sept. 30, 2025.
Total capital reached ₱46 billion, with a capital adequacy ratio (CAR) of 24.6 percent and a Common Equity Tier 1 (CET1) ratio of 23.6 percent—both are well above the regulatory minimum set by the Bangko Sentral ng Pilipinas (BSP) and are among the highest in the industry.
“The steady growth in our lending business reflects the trust and confidence of our customers in our commitment to offer simple, reliable, and accessible products and services.
“As we approach the homestretch of 2025, we will continue to rely on our core business strength and operational efficiencies to provide us a platform for sustainable growth in the coming years,” said PSBank President Jose Vicente Alde.

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Philippine Savings Bank Jose Vicente Alde
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