Bank of the Philippine Islands (BPHLF)
OTHER OTC:BPHLF
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Earnings Data
Report Date
Jul 16, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.06Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a balanced picture: the bank delivered modest net income growth, strong revenue, healthy capital ratios, robust retail and digital traction, and continued efficiency and ESG progress. These positives, however, were offset by meaningful increases in operating expenses and provisions, a noticeable uptick in NPLs (driven by a few institutional accounts and asset-quality deterioration in SME/microfinance), and guidance for moderated loan growth and higher credit costs amid geopolitical and macro uncertainty. Management expects some asset-quality normalization (recoveries) in Q2 but maintains a cautious stance on provisioning and loan origination.Company Guidance
Net Income and Profitability
Net income of PHP 16.92 billion, up 1.7% year-on-year and 4.9% quarter-on-quarter; ROE 14.3% and ROA 1.9%, and EPS PHP 3.20 (up 1.5% YoY).
Strong Revenue Growth
Total revenues rose 13.9% YoY to PHP 50.92 billion, driven by net interest income of PHP 39.15 billion (up 13.7% YoY) and trading/ForEx income up 19.5% (ForEx +32.6%).
Loan and Deposit Expansion
Gross loans grew 13.5% YoY to PHP 2.61 trillion; deposits increased 10.4% YoY to PHP 2.84 trillion; loans-to-total-funding ~84% and LDR ~91.95%.
Margin Performance
NIM at 4.57% (broadly stable QoQ, +7 bps YoY); risk-adjusted NIM (after provisions) widened 4 bps QoQ to 3.92%.
Retail / Noninstitutional Loan Momentum
Noninstitutional loans rose to PHP 829 billion (+24.9% YoY) with SME loans up 96.3% YoY, credit card loans +33.3%, personal loans +26.9% (including teachers loans +72% YoY), auto loans +19.3%.
Customer Franchise and Digital/Agency Scale
Customer base expanded to 18.7 million; agency banking expanded to 34 partners and 7,000+ partner stores, with 1,320 stores capable of deposits/withdrawals and agency deposit/withdrawal volume up 5.2x YoY to 88,400 transactions in Q1.
Wealth and Fee Income Highlights
Assets under management surpassed PHP 2 trillion to PHP 2.03 trillion (+18.4% YoY); fee income up 13.9% YoY to PHP 10.54 billion (cards +13.7%, wealth +11%, transaction banking +26.9%, securities brokerage & investment banking +80.2% YoY).
Capital, Coverage and Liquidity
CET1 ratio 13.9% and CAR 14.8%, CET1 capital PHP 404 billion (+5.9% YoY); ECL coverage expanded to 103.5% and total collateral coverage ~138%.
Operational Efficiency and Technology Investments
Cost-to-income ratio 46.2% despite doubling customers since 2022; automation projects (149 in 3 years) expected annual savings of PHP 139 million and headcount reduction of 181; AI and RPA initiatives scaled across fraud detection, document processing and marketing.
Sustainability and Recognition
Issued PHP 50 billion SIGLA social bonds; rolled out EV chargers at 10 branches; received 9 ESG awards and ranked 10th in TIME/Statista Asia-Pacific Best Companies 2026 (highest among Philippine companies).
BPHLF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BPHLF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 20, 2026 | $2.00 | $2.00 | 0.00% |
Feb 02, 2026 | $1.68 | $1.68 | 0.00% |
Oct 15, 2025 | $1.58 | $1.58 | 0.00% |
Jul 16, 2025 | $1.81 | $1.81 | 0.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank of the Philippine Islands (BPHLF) report earnings?
Bank of the Philippine Islands (BPHLF) is schdueled to report earning on Jul 16, 2026, TBA (Confirmed).
What is Bank of the Philippine Islands (BPHLF) earnings time?
Bank of the Philippine Islands (BPHLF) earnings time is at Jul 16, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BPHLF EPS forecast?
Currently, no data Available