BPI reports 7.8% earnings growth to PHP 33B in H1 2025

Bank of the Philippine Islands (BPI) reported a 7.8% increase in earnings to PHP 33 billion for the first semester of 2025.

Total revenues climbed by 14% to PHP 92.6 billion, driven by a 16.2% rise in net interest income to PHP 71.2 billion and a 7.4% increase in non-interest income to PHP 21.4 billion from fees related to credit cards, insurance, and wealth management.

Operating expenses rose by 11.7% to PHP 42.7 billion due to higher spending on technology, business volume-related expenses, and manpower structural increases.

Gross loans increased by 14.1% to PHP 2.4 trillion, contributing to a rise in the non-performing loan (NPL) ratio to 2.25%. Total assets reached PHP 3.4 trillion, marking a 9.3% increase over the same period in 2024.

BPI raised PHP 40 billion from its sustainability-linked bond issuance last month, with proceeds allocated for eligible green and social projects such as renewable energy power plants and clean water initiatives.