Philippine Savings Bank (PSBank), the thrift banking arm of the Metrobank Group, announced a net income of Php 3.5 billion for the full year 2025.
The bank’s performance was characterized by robust growth in its core lending business and a proactive approach to risk management, ensuring long-term financial resilience.
Driven by a 7% year-on-year increase in net interest income, which reached Php 13.17 billion, the Bank saw its total loan portfolio expand by 8% to Php 155 billion. This growth was supported by steady consumer demand, while the gross non-performing loan (NPL) ratio remained manageable at 3.68%.
Despite the strong operational performance, net income was lower compared to 2024. This was a result of the Bank’s strategic decision to increase credit provisions, reflecting a disciplined focus on strengthening its balance sheet against potential economic headwinds.
PSBank continued to demonstrate strict cost discipline, capping the increase in operating expenses at just 3.6% (Php 9.56 billion). Meanwhile, the Bank’s funding base and capital position reached new heights:
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Total Deposits: Increased by 9% to Php 180 billion.
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Total Capital: Rose 5% to Php 46 billion.
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Capital Adequacy Ratio (CAR): 24.3%.
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Common Equity Tier 1 (CET1) Ratio: 23.3%.
These capital ratios remain significantly above the minimum requirements set by the Bangko Sentral ng Pilipinas (BSP) and are among the highest in the Philippine banking industry.
2025 marked a year of high investor confidence and institutional excellence for PSBank:
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Market Demand: The Bank completed a bond offering that was oversubscribed by more than six times the base offer within a single day.
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Credit Rating: Philippine Rating Services Corporation (PhilRatings) reaffirmed PSBank’s highest Issuer Credit Rating of PRS Aaa (corp.) with a Stable Outlook.
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Awards: The Bank was honored by several prestigious bodies, including the Asia-Pacific Stevie Awards, SSS Balikat ng Bayan Awards, and the Philippine Quill Awards, recognizing excellence in marketing, HR, and corporate governance. “Looking ahead, we will continue to build on our strengths and remain committed to delivering simplified banking solutions that help our customers achieve their financial goals,” said PSBank President Jose Vicente Alde.
