PBB profit ballooned to P1.9B in 2025

MANILA, Philippines — Philippine Business Bank (PBB) grew its net income to P1.9 billion in 2025, rocketing from P114.2 million from a year earlier thanks to stronger interest income and improved margins.

The banking business of Zest-O Group founder Alfredo Yao said interest income climbed to P11.4 billion from P807.5 million a year earlier. Core income reached P3.5 billion.

The bank cited better margin management, deeper client engagement and a more deliberate focus on profitable business generation rather than aggressive balance sheet expansion.

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President and CEO Rolando Avante said the bank remained focused on strengthening credit quality and profitability. This, amid a difficult operating environment marked by weaker business sentiment and external risks.

Profit before tax stood at P2.5 billion, while pre-tax pre-provision profit ended at P3.5 billion, indicating resilient earnings capacity amid a challenging environment.

Margin improvement

PBB’s net interest margin improved to 4.5 percent from 4.3 percent previously, underscoring its ability to sustain profitability through enhanced pricing and cost discipline.

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Total resources reached P168.8 billion as of end-2025. Net loans and receivables stood at P127.7 billion, while total deposits hit P134.9 billion.

Asset quality improved, with the nonperforming loan ratio declining to 4.21 percent, down 143 basis points from the previous year.

Total equity rose to P21.2 billion, while capital adequacy ratio stood at 13 percent and minimum liquidity ratio at 24.1 percent—both above regulatory thresholds. INQ