Investor Presentaiton
FY 2019 P&L
PNB
You first.
(in PHP million)
Interest Income
Interest Expense
FY 2018
FY 2019
PNB Consolidated
% Change
50,599
36,075
40.3%
18,155
9,011
101.5%
NET INTEREST INCOME
32,444
27,065
19.9%
Fee-Based and Other Income
8,668
11,857
-26.9%
Net Service Fees and Commission Income
4,188
3,486
20.1%
Other Income
4,238
8,435
-49.8%
TOTAL OPERATING INCOME
41,112
38,922
5.6%
Admin and Operating Expense
25,969
23,926
8.5%
Income Before Provisions
15,142
14,996
1.0%
Provision for impairment and credit losses
1,753
2,910
66.0%
Provision for Income Tax
2,471
3,687
-33.0%
NET INCOME
9,761
9,556
2.1%
Return on average equity (ROE)
6.9%
7.7%
Return on average assets (ROA)
Net Interest Margin (NIM RATE)
Cost efficiency ratio
0.9%
1.1%
3.3%
3.3%
63.2%
61.0%
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