BPI posts $858.5m net income as revenues climb 13% in 9M 2025

The bank’s total assets reached $59.5b.

Bank of the Philippine Islands (BPI) reported a net income of $858.5m (₱50.5b) for the first nine months of 2025, up 5.2% from $816m (₱48b) a year earlier, driven by higher revenues despite rising expenses and provisions, it said in a media release.

Total revenues rose 13.2% to $2.42b (₱142.3b), with net interest income up 16.2% to $1.86b (₱109.1b) and non-interest income increasing 4.2% to $566.1m (₱33.3b).

Operating expenses grew 10.3% to $1.11b (₱65.5b), but the cost-to-income ratio improved to 46%.

The bank’s total assets reached $59.5b (₱3.5t), up 9.3%, whilst loans grew 13.3% to $40.8b (₱2.4t) and deposits rose 7.7% to $45.9b (₱2.7t).

Its non-performing loan ratio stood at 2.3% with $200.6m (₱11.8b) in provisions.