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Bank of the Philippine Islands (BPHLF)
OTHER OTC:BPHLF
Earnings Data
Report Date
Apr 16, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.05Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a broadly positive operating and strategic performance — record revenues, strong loan growth, improved NIMs, wealth and fee milestones, robust customer and distribution expansion, and solid capital metrics. However, material increases in provisions, rising NPL ratios across several retail segments, deposit mix pressure (time deposits/CASA), and expected moderation in trading gains are notable headwinds. Management outlined active mitigation steps (tightened underwriting, collection enhancements, branch/agency rollout, and funding diversification) and maintained guidance for continued double‑digit loan growth (low teens overall, stronger consumer growth) and an expected credit cost around ~80 bps. Overall, the company shows constructive momentum and strategic execution, but with pronounced asset‑quality and provisioning risks to monitor in 2026.Company Guidance
Record Full-Year Net Income
Net income for FY2025 of PHP 66.62 billion, up 7.4% year‑on‑year; Q4 net income PHP 16.13 billion, up 14.7% YoY (but down 8% sequentially).
Strong Revenue and NII Growth
Total revenues PHP 195.28 billion, up 14.8% YoY; record net interest income up ~16.0% YoY; net interest income growth for the full year reported as +14.7% in remarks and NII supported by 14.7% loan growth.
Robust Loan and Balance Sheet Expansion
Gross loans grew 14.7% YoY to PHP 2.62 trillion (Q4 growth 8.5% QoQ); total assets PHP 3.65 trillion, up 10% YoY; deposits rose 8.6% YoY to PHP 2.84 trillion; loan-to-deposit ratio 92.4%.
Improved and High NIMs
Annual NIM expanded to 4.59%, up 28 basis points YoY; risk‑adjusted NIM hit 3.97%, up 36 basis points YoY (highest in 5 years).
Wealth and Fee Income Milestones
Record fee income PHP 38.96 billion, up 9.1% YoY; wealth AUM PHP 1.91 trillion, up 18.7% YoY; wealth client base 1.46 million, up 26.3% YTD; wealth recorded record net funds contribution.
Customer Growth and Distribution Scale-up
Customer base reached 18.2 million after adding ~2.2 million customers in 2025; agency banking expanded to ~7,000 partner stores (32 partners) and transaction-capable store plan to 2,000 for 2026.
Non-Institutional Lending Shift and Higher Returns
Non-institutional loans now 30.5% of total loans (up from 21.1% in 2021), delivering loan yields averaging above 12% and lending ROA ~4% for non-institutional vs sub‑3% for institutional; three-year CAGR for non-institutional ~29.5%.
Capital, Liquidity and Shareholder Returns
Indicative CET1 ~13.9% and CAR 14.7%; CET1 capital PHP 401 billion (up PHP 34.9 billion YoY); declared total cash dividend PHP 4.36 per share, up 10.1% YoY; ROE 14.5%, ROA 2%.
Cost Efficiency and OpEx Control
Operating expenses growth moderated to 9.9% YoY (OpEx mix included technology, manpower, marketing); cost-to-income ratio improved to 47.2%; tech spend growth decelerated to ~12% in 2025 from much higher rates in prior years.
Digital, Branch Transformation and ESG Progress
Scaled digital platforms (BPI app, VYBE, BizLink, BanKo, Wealth Online, Trade) and 131 API partners; branches transformed to advisory-focused (advisory now 54% of branch time) with improved acquisition metrics (e.g., +31.8% avg monthly net acquisition); major ESG milestones including PHP 40 billion SINAG sustainability bond (8x oversubscribed) and 70 branches converted to 100% renewable energy.
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 |
|---|---|---|---|
Feb 02, 2026 | $1.68 | $1.68 | 0.00% |
Oct 16, 2025 | $1.58 | $1.58 | 0.00% |
Jul 16, 2025 | $1.81 | $1.81 | 0.00% |
Apr 21, 2025 | $1.77 | $1.77 | 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 Apr 16, 2026, TBA (Confirmed).
What is Bank of the Philippine Islands (BPHLF) earnings time?
Bank of the Philippine Islands (BPHLF) earnings time is at Apr 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