Investor Presentaiton
Financial Summary
Income Statement
(1Q 2022, mp)
Concept
Change %
1Q22
4Q21
1Q21
(millions of pesos)
4Q21
1Q21
Interest Income
1,544
1,397
1,264
11%
22%
Interest Expense
(1,174)
(1,072)
(974)
9%
20%
Net Interest Income after Provisions (¹)
385
275
212
40%
82%
Commissions and Fees (Net)
810
827
690
(2%)
17%
Brokerage Revenue
208
146
189
43%
10%
Other Operating Income
(9)
73
106
(112%)
(108%)
Administrative and Promotional Expense
(1,134)
(1,065)
(1,019)
7%
11%
Operating Income
260
256
178
2%
47%
Operating Margin
0.0%
19.4%
14.8%
-1,939 bps
-1,484 bps
Net Income
Net Margin
Total Income (2)
166
226
125
(26%)
33%
11.9%
17.1%
10.5%
-519 bps
146 bps
2,656
2,542
2,333
4%
14%
Operating Income (3)
1,394
1,321
1,197
6%
16%
Actinver
(1) Financial Margin less Reserves for Credit Risk.
(2) Total Income: Interest income, plus commissions and fees charged, plus brokerage revenue, plus other operating income.
(3) Operating Income: Interest income, less interest expenses, less allowance for loan losses, plus commissions and fees charged, less commissions and fees expense, plus brokerage revenue, plus other operating income.
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