Investor Presentaiton
28
Financial Highlights
BPI
Mar 2022
Dec 2022 Mar 2023 A QoQ
ΔΥΟΥ
1Q22
4Q22
1Q23
A QoQ ΔΥΟΥ
Balance Sheet (in P bn)
Profitability (in P bn)
Assets
Net Loans
Deposits
CASA
2,378.3
2,604.3
2,674.2
2.7%
12.4%
Net Interest Income
19.0
23.4
24.2
3.2%
27.2%
1,462.1
1,703.0
1,661.1
-2.5%
13.6%
Non-Interest Income
6.4
7.6
7.6
-1.2%
18.6%
1,891.1
2,096.2
2,148.7
2.5%
13.6%
Trading Income
0.9
0.9
1.3
43.6%
40.0%
1,531.3
1,558.6
1,510.4
-3.1%
-1.4%
Non-Interest Income
5.5
6.8
6.3
-7.0%
15.1%
Capital
AUM
300.0
317.7
331.6
4.4%
10.6%
Revenues
25.4
31.1
31.7
2.1%
25.1%
1,121.9
1,023.9
1,092.9
6.7%
-2.6%
Operating Expenses
12.6
17.9
15.1
-15.8%
19.7%
PPOP
12.8
13.2
16.6
26.4%
30.3%
Key Metrics
A bps
Provisions
2.5
1.7
1.0
-40.0% -60.0%
Quarter NIM
3.42%
3.75%
3.94%
19
52
NIBT
10.3
11.5
15.6
36.1%
52.3%
Quarter Asset Yield
4.03%
4.81%
5.29%
48
127
Income Taxes
2.2
2.4
3.4
45.5%
55.4%
Quarter Cost of Funds
0.69%
1.20%
1.53%
33
84
Net Income
8.0
9.1
12.1
34.0%
52.0%
Quarter Cost to Income
49.63%
57.61%
47.50%
(1,011)
(213)
YTD Cost of Deposits
10.36%
0.74%
0.08%
(65)
(1,028)
YTD Cost to Assets
0.13%
2.33%
0.14%
(218)
1
YTD ROE
11.02%
13.14%
15.36%
222
434
YTD ROA
1.36%
1.59%
1.88%
29
52
CASA Ratio
80.97%
74.35%
70.29%
Loan-to-Deposit Ratio
77.32%
81.24%
77.31%
(406)
(393)
(1,068)
(1)
Credit Cost (in bps)
68
58
24
(34)
(44)
NPL Ratio
2.38%
NPL Coverage Ratio
149.62%
1.76%
180.07%
1.82%
6
(56)
176.71%
(336)
2,709
CAR
CET1
17.14%
16.01%
16.54%
53
(60)
16.26%
15.12%
15.66%
54
(60)
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