Bank of the Philippine Islands (BPI) announced a solid full-year performance for 2025, delivering a net income of P66.62 billion, a 7.4% increase from the previous year. The results underscore the Bank’s ability to maintain strong revenue momentum and a positive “jaw” despite a strategic increase in provisions and operating investments.
The Bank’s total revenues surged 14.8% to P195.3 billion, fueled by a robust net interest income of P148.0 billion. This growth was supported by an expanding asset base and a 28-basis point widening of the net interest margin to 4.6%.
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Return on Equity (ROE): 14.5%
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Return on Assets (ROA): 2.0%
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Non-Interest Income: Rose 11.0% to P47.2 billion, driven by credit cards, insurance, wealth management, and strong trading gains.
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Efficiency: The Cost-to-Income ratio improved to 47.2%, even as the Bank invested heavily in technology and manpower.
BPI’s total loan portfolio expanded by 14.7%, reaching P2.6 trillion. While institutional lending remained steady, the Bank saw explosive growth in its non-institutional segments:
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Business Banking: Up 79.7%
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Credit Cards: Up 31.9%
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Personal Loans: Up 28.3%
Despite booking P17.8 billion in provisions to ensure long-term resilience, asset quality remains healthy with an NPL (Non-Performing Loan) ratio of 2.18% and a comprehensive NPL coverage ratio of 122.9% under BSP Circular 941.
BPI remains exceptionally well-capitalized, with total equity at P476.6 billion and a Common Equity Tier 1 Ratio of 13.9%, comfortably above regulatory requirements.
In line with its commitment to fostering growth, the Bank is concluding its public offering of the BPI SIGLA Bonds (Supporting Individuals Grow, Lead, and Achieve).
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Issue Size: P5 Billion (with option to upsize)
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Interest Rate: 5.405% per annum
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Listing Date: Expected February 13, 2026, on the Philippine Dealing & Exchange Corp. “Our 2025 performance reflects BPI’s unwavering commitment to sustainable growth and financial inclusion,” the Bank stated. “The launch of the SIGLA Bonds further demonstrates our mission to empower individuals and businesses across the archipelago.”
