Philippine National Bank (PNB) investor relations material

Executive summary

• Consolidated net income reached P25.3 billion in 2025, up 19.7% year-over-year, with strong growth in net interest income and operating income.

• Total assets grew to P1.37 trillion, a 9.3% increase from 2024, driven by loan expansion and higher investment securities.

• Return on average equity improved to 11.09% and return on average assets to 1.93% in 2025.

Financial highlights

• Net interest income rose 6.5% year-over-year to P52.5 billion, supported by loan growth and higher yields.

• Total operating income increased to P65.3 billion, with non-interest income contributing P12.7 billion.

• Loans and receivables expanded 16.2% to P740.0 billion, while deposit liabilities reached P1.06 trillion.

• Non-performing loan (NPL) ratio stood at 4.72%, with NPL coverage at 82.34%.

• Capital adequacy ratio (CAR) was 20.12%, and CET1 ratio at 19.31%, well above regulatory minimums.

• Basic/diluted EPS was P16.55, up from P13.80 in 2024.

Outlook and guidance

• Management expects continued loan growth, stable asset quality, and robust capital ratios in 2026.

• Focus remains on digital transformation, branch network optimization, and risk management.