Philippine Business Bank’s net income rise to $31.7m in 2025 on higher interest income

PBB expects the operating environment to remain challenging in the coming months

Philippine Business Bank (PBB) reported a net income of $31.7m (PHP1.9b) in 2025, higher by $1.9m (PHP114.2m) year-on-year (YoY), according to a filing at the Philippine Stock Exchange (PSE).

PBB noted a challenging operating environment in 2025, a year it said was marked by weaker business sentiment, domestic issues that weighed on market confidence, and broader global uncertainties.

The bank’s interest income rose to $190.19m (PHP11.4b) during the year, up PHP807.5m from a year earlier.

Net interest income was $121.79m (PHP7.3b), up PHP587.3m YoY. Net interest margin (NIM) improved to 4.5% in 2025 from 4.3% in 2024.

Total net loans and receivables stood at $2.13b (PHP127.7b) as of end-December 2025.

Returns on assets and equity ended at 1.12% and 8.96%.

PBB expects the operating environment to remain challenging in the coming months, as elevated oil price risks, global uncertainties, and still-fragile business sentiment continue to weigh on economic activity.

“These conditions could place added pressure on borrowers and make competition across the banking sector even tighter,” PBB wrote in its bourse filing.

PBB said it will continue to prioritise profitability over balance sheet growth.