Bank of the Philippine Islands

Financial Services US BPHLF

NoneUSD
-(-%)

Last update at 2025-04-18T13:36:36.233665Z

Day Range

--
LowHigh

52 Week Range

0.211.89
LowHigh

Fundamentals

  • Previous Close -
  • Market Cap9341.48M
  • VolumeNone
  • P/E Ratio11.81
  • Dividend Yield3.20%
  • Revenue TTM127273.56M
  • Revenue Per Share TTM25.77
  • Gross Profit TTM 109358.00M
  • Diluted EPS TTM0.16

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 51368.00M 33537.00M 25769.00M 38435.00M 29999.00M
Minority interest -231.00000M -230.00000M 2122.00M 3457.00M 3017.00M
Net income 39605.00M 23880.00M 21409.00M 28803.00M 23078.00M
Selling general administrative 3917.00M 3616.00M 3360.00M 4334.00M 4097.00M
Selling and marketing expenses - - - - -
Gross profit - - - 88512.00M 73601.00M
Reconciled depreciation 5445.00M 6249.00M 6023.00M 7132.00M 4797.00M
Ebit - - - - 0.00000M
Ebitda - - - - -
Depreciation and amortization - - - - -
Non operating income net other - - - - 0.00000M
Operating income - - - 38993.00M 30525.00M
Other operating expenses 16959.00M 14852.00M 14309.00M 14198.00M 13242.00M
Interest expense 18202.00M 15034.00M 24044.00M 35638.00M 24347.00M
Tax provision 11532.00M 9427.00M 3906.00M 9352.00M 6670.00M
Interest income 103268.00M 84617.00M 96308.00M 101583.00M 80190.00M
Net interest income 85066.00M 69583.00M 72264.00M 65945.00M 55843.00M
Extraordinary items - - - - 0.00000M
Non recurring - - - - 0.00000M
Other items - - - - 0.00000M
Income tax expense 11532.00M 9427.00M 3906.00M 9355.00M 6613.00M
Total revenue 118520.00M 97405.00M 101923.00M 94334.00M 78524.00M
Total operating expenses - - - 49519.00M 43076.00M
Cost of revenue - - - - 0.00000M
Total other income expense net - - - -558.00000M -526.00000M
Discontinued operations - - -211.00000M 42.00M 126.00M
Net income from continuing ops 39836.00M 24110.00M 21863.00M 29083.00M 23329.00M
Net income applicable to common shares 39605.00M 23880.00M 21409.00M 28803.00M 23078.00M
Preferred stock and other adjustments - - - - 0.00000M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 2603961.00M 2421915.00M 2233443.00M 2205030.00M 2085228.00M
Intangible assets - - - 2797.00M 3070.00M
Earning assets - - - - -
Other current assets 195211.00M 184556.00M 164764.00M 193176.00M 223847.00M
Total liab 2284157.00M 2126759.00M 1951486.00M 1931996.00M 1833690.00M
Total stockholder equity 317722.00M 293060.00M 279835.00M 269577.00M 248521.00M
Deferred long term liab - - - - 0.00000M
Other current liab 39592.00M 28807.00M 30350.00M 38382.00M 35981.00M
Common stock 49193.00M 45131.00M 45045.00M 44999.00M 44961.00M
Capital stock 49193.00M 45131.00M 45045.00M 44999.00M 44961.00M
Retained earnings 211555.00M 181524.00M 165742.00M 147693.00M 127688.00M
Other liab 27946.00M 28524.00M 30287.00M 27500.00M 27940.00M
Good will - - - - 0.00000M
Other assets 1739328.00M 1517388.00M 1444520.00M 1501455.00M 1385338.00M
Cash 268497.00M 339304.00M 302082.00M 278191.00M 282591.00M
Cash and equivalents - - - - -
Total current liabilities 2203745.00M 2046617.00M 1821168.00M 1795579.00M 1738230.00M
Current deferred revenue - - - - -
Net debt - - - - -
Short term debt - - - 48291.00M 0.00000M
Short long term debt - - - 48291.00M 99381.00M
Short long term debt total - - - - -
Other stockholder equity -14106.00000M -8529.00000M -5716.00000M 2436.00M 1691.00M
Property plant equipment 19355.00M 17525.00M 18832.00M 23748.00M 18853.00M
Total current assets 319935.00M 404435.00M 385212.00M 344962.00M 347649.00M
Long term investments 540681.00M 498469.00M 416515.00M 355469.00M 343249.00M
Net tangible assets 315406.00M 291071.00M 277305.00M 266780.00M 245451.00M
Short term investments - - - - 0.00000M
Net receivables 6972.00M 3643.00M 3393.00M 3105.00M 3301.00M
Long term debt - - - 102546.00M 67520.00M
Inventory 3760.00M 3282.00M 2971.00M 3155.00M 3363.00M
Accounts payable 2101837.00M 1962478.00M 1723943.00M 1701598.00M 1594989.00M
Total permanent equity - - - - 0.00000M
Noncontrolling interest in consolidated entity - - - - 0.00000M
Temporary equity redeemable noncontrolling interests - - - - 0.00000M
Accumulated other comprehensive income - - - - 0.00000M
Additional paid in capital - - - - 0.00000M
Common stock total equity - - - - 0.00000M
Preferred stock total equity - - - - 0.00000M
Retained earnings total equity - - - - 0.00000M
Treasury stock - - - - 0.00000M
Accumulated amortization - - - - 0.00000M
Non currrent assets other - - - - 0.00000M
Deferred long term asset charges - - - - 0.00000M
Non current assets total - - - - 0.00000M
Capital lease obligations - - - - 0.00000M
Long term debt total - - - - 0.00000M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -46210.00000M -101885.00000M -46513.00000M -4343.00000M -25828.00000M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities -40718.00000M -104437.00000M -49625.00000M -18158.00000M -30130.00000M
Net borrowings 840.00M -58808.00000M -348.00000M -17535.00000M 83384.00M
Total cash from financing activities 132158.00M 172300.00M 12716.00M 80202.00M 149367.00M
Change to operating activities -228063.00000M -93016.00000M 33036.00M -107732.00000M -157107.00000M
Net income 39605.00M 23880.00M 21409.00M 28803.00M 23078.00M
Change in cash -92833.00000M 35367.00M 31518.00M -14202.00000M -8859.00000M
Begin period cash flow 365953.00M 330586.00M 299068.00M 313270.00M 322129.00M
End period cash flow 273120.00M 365953.00M 330586.00M 299068.00M 313270.00M
Total cash from operating activities -184273.00000M -32496.00000M 68427.00M -76246.00000M -128096.00000M
Issuance of capital stock 208.00M 256.00M 361.00M 306.00M 50035.00M
Depreciation 5445.00M 6249.00M 6023.00M 7132.00M 4797.00M
Other cashflows from investing activities 534.00M 834.00M -424.00000M -1291.00000M 440.00M
Dividends paid -9745.00000M -8124.00000M -8124.00000M -12167.00000M 7598.00M
Change to inventory - - - - 0.00000M
Change to account receivables - - - - 0.00000M
Sale purchase of stock - - - - 0.00000M
Other cashflows from financing activities 140855.00M 238976.00M 20827.00M 109598.00M 23546.00M
Change to netincome -1841.00000M 14964.00M 20914.00M 3720.00M 2360.00M
Capital expenditures 1657.00M 5595.00M 1041.00M 13400.00M 5048.00M
Change receivables - - - - 0.00000M
Cash flows other operating - - - - 0.00000M
Exchange rate changes - - - - 0.00000M
Cash and cash equivalents changes - - - - 0.00000M
Change in working capital -86627.00000M 161387.00M 40908.00M -7774.00000M -134785.00000M
Stock based compensation -8.00000M -41.00000M 47.00M 30.00M -
Other non cash items -84765.00000M -69272.00000M -71907.00000M -65945.00000M -55843.00000M
Free cash flow -45075.00000M 201674.00M 88486.00M 18481.00M -109598.00000M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
BPHLF
Bank of the Philippine Islands
- -% - 11.81 9.38 0.07 1.49
HDB
HDFC Bank Limited ADR
-1.95 2.57% 73.93 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
-0.32 0.96% 32.98 6.61 5.68 0.48 0.77 3.43
CIHHF
China Merchants Bank Co Ltd Class H
- -% 6.50 6.10 5.67 0.44 0.77 3.43
IBN
ICICI Bank Limited
-0.405 1.21% 33.09 17.79 16.95 0.07 3.08

Reports Covered

Stock Research & News

Profile

Bank of the Philippine Islands, together with its subsidiaries, provides various financial products and services to retail and corporate clients in the Philippines. It operates through Consumer Banking, Corporate Banking, and Investment Banking segments. The Consumer Banking segment offers deposit taking and servicing; and consumer lending, such as home mortgages, auto loans, and credit card finance, as well as remittance services to individual and retail markets. The Corporate Banking segment provides deposit taking and servicing, loan facilities, trade, and cash management to corporate and institutional customers, such as high-end corporations and middle market clients. The Investment Banking segment offers corporate finance, securities distribution, asset management, trust, and fiduciary services, as well as proprietary trading and investment activities. The company also provides financing, securities dealer, investment management, land holding, operations management, business systems, foreign exchange, real estate, pre-need, non-life insurance, leasing, and rental services. As of December 31, 2021, it operated 1,176 branches, and 2,457 automated teller machines and cash accept machines. The company also serves its customers through alternative electronic banking channels, such as telephone, mobile phone, and the internet. Bank of the Philippine Islands was founded in 1851 and is based in Makati City, the Philippines.

Bank of the Philippine Islands

Tower One, Makati City, Philippines, 1229

Key Executives

Name Title Year Born
Mr. Jose Teodoro Katigbak Limcaoco Pres, CEO & Director 1962
Mr. Ramon Locsin Jocson Exec. VP, COO & Head of Enterprise Services Segment 1960
Maria Ramona O. Ang Investor Relations Officer NA
Madam Lourdes Pauscal Gatmaytan Sr. VP, Co-Head of Legal, Head of Corp. Legal Affairs & Corp. Sec. 1969
Attorney Noravir Alvarez Gealogo Sr. VP & Chief Compliance Officer 1965
Ms. Mary Catherine Elizabeth R. Santamaria Sr. VP and Chief Customer & Marketing Officer 1968
Ms. Marie Josephine M. Ocampo Exec. VP & Head of Mass Retail Products 1963
Ms. Maria Theresa Dela Pena Marcial-Javier Exec. VP, Chief Sustainability Officer and Head of Strategy & Fin. 1971
Mr. Rinaldo Hechanova Fernandez Sr. VP of Global Markets 1966
Ms. Marita Socorro Domingo Gayares Sr. VP & Chief Risk Officer 1961

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