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PH_BPI 2024-09-30 Q3 — report review

Status: OK; Currency: PHP; Amounts unit: millions; Forms: ✓ ✓ ✓

Дата публикации отчёта: Не сохранена для этого периода — укажите financial_report_date в строке (EDGAR filingDate, KASE change_date или manual_catalog).

Full financial report: Ссылка

PDF: Открыть PDF отчёта (первичный документ)

Чтобы заново выполнить поиск форм и превью из PDF, откройте эту ссылку Основная ссылка запускает пересчёт в фоне: панель статуса, затем готовая страница. Тяжёлый режим с refresh по умолчанию тоже в фоне (иначе прокси даёт 502). &sync=1 — только для одного долгого синхронного ответа (не рекомендуется). Можно ?refresh=1, ?recalc=1, ?nocache=1 или ?recompute=1. (дождаться в браузере: синхронное обновление)

По умолчанию — быстрый просмотр (таблица метрик и номера страниц форм), чтобы прокси не отваливался по таймауту. Полные превью и таблицы — ?heavy=1.

Сопоставление метрик (значение → evidence)

Значения метрик приведены к единицам дашборда, где это применимо; в колонке evidence — сохранённый фрагмент из текстового слоя PDF или OCR на этапе извлечения.

Структура чистого долга (аренда включена, IFRS 16)

Чистый долг / EBITDA LTM: 1.4x

Мост EBITDA → чистая прибыль

Строка «финансовые расходы, налог и прочее» получена как разность EBIT и чистой прибыли; детальная разбивка — в PDF отчёта выше.

Statement pages (discovery)

Ниже — последняя полная реконструкция форм (сканы PDF + таблицы + проверки субитогов), сохранённая после запуска с ?heavy=1. Откройте тяжёлый режим, чтобы пересчитать, если менялись PDF, discovery или извлечение. полные превью и таблицы (?heavy=1).

Превью страниц и восстановленные таблицы

Подсветка Жёлтая строка — совпадение с evidence; оранжевая ячейка — точное число, взятое для метрики (наведите на строку). Выручка Опер. прибыль Аморт. и износ EBITDA Чистая прибыль cash debt_short debt_long Активы Капитал Операц. ДДС Инвест. ДДС

Зелёная / янтарная / красная полоса у подписи строки — итог/субитог, где сумма детальных строк сравнивается с числом в отчёте (эвристика). Под каждой таблицей — список проверок (Σ строк vs отчёт, статус).

P&L

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

P&L — PDF page 6

Camelot table (pages 6, primary page 6).

#	Joined label	Line item	2024	2023
0	2024 2023		2024	2023
1	INTEREST INCOME	INTEREST INCOME
2	On loans and advances 40,989,481 31,377,104	On loans and advances	40,989,481	31,377,104
3	On FA at amortized cost 3,575,029 3,633,201	On FA at amortized cost	3,575,029	3,633,201
4	On FA at FV through OCI 3,039,321 1,652,187	On FA at FV through OCI	3,039,321	1,652,187
5	On deposits with BSP and other banks 556,718 746,550	On deposits with BSP and other banks	556,718	746,550
6	On FA at FV through profit or loss 380,229 224,512	On FA at FV through profit or loss	380,229	224,512
7	48,540,777 37,633,552		48,540,777	37,633,552
8	INTEREST EXPENSE	INTEREST EXPENSE
9	On Deposits 13,638,786 9,693,539	On Deposits	13,638,786	9,693,539
10	On Bills Payable and other borrowings 2,310,290 1,271,736	On Bills Payable and other borrowings	2,310,290	1,271,736
11	15,949,077 10,965,274		15,949,077	10,965,274
12	NET INTEREST INCOME 32,591,701 26,668,278	NET INTEREST INCOME	32,591,701	26,668,278
13	IMPAIRMENT LOSSES 1,800,000 1,000,000	IMPAIRMENT LOSSES	1,800,000	1,000,000
14	NET INTEREST INCOME AFTER IMPAIRMENT	NET INTEREST INCOME AFTER IMPAIRMENT
15	LOSSES 30,791,701 25,668,278	LOSSES	30,791,701	25,668,278
16	OTHER INCOME	OTHER INCOME
17	Fees and commissions 3,908,250 3,218,086	Fees and commissions	3,908,250	3,218,086
18	Income from foreign exchange trading 365,723 1,028,390	Income from foreign exchange trading	365,723	1,028,390
19	Trading gain (loss) on securities 2,233,959 171,004	Trading gain (loss) on securities	2,233,959	171,004
20	Income attributable to insurance operations 1,067,323 790,749	Income attributable to insurance operations	1,067,323	790,749
21	Other operating income 4,413,516 3,409,027	Other operating income	4,413,516	3,409,027
22	11,988,772 8,617,258		11,988,772	8,617,258
23	OTHER EXPENSES	OTHER EXPENSES
24	Compensation and fringe benefits 7,176,770 5,770,360	Compensation and fringe benefits	7,176,770	5,770,360
25	Occupancy and equipment-related expenses 6,584,030 5,526,164	Occupancy and equipment-related expenses	6,584,030	5,526,164
26	Other operating expenses 7,324,043 5,935,715	Other operating expenses	7,324,043	5,935,715
27	21,084,843 17,232,239		21,084,843	17,232,239
28	INCOME BEFORE INCOME TAX 21,695,630 17,053,297	INCOME BEFORE INCOME TAX	21,695,630	17,053,297
29	PROVISION FOR INCOME TAX	PROVISION FOR INCOME TAX
30	Current 4,300,810 3,806,473	Current	4,300,810	3,806,473
31	Deferred (104,705) (266,079)	Deferred	(104,705)	(266,079)
32	4,196,105 3,540,394		4,196,105	3,540,394
33	NET INCOME FOR THE QUARTER 17,499,525 13,512,903	NET INCOME FOR THE QUARTER	17,499,525	13,512,903
34	Attributable to:	Attributable to:
35	Equity holders of BPI 17,420,661 13,465,812	Equity holders of BPI	17,420,661	13,465,812
36	Non-controlling interest 78,864 47,091	Non-controlling interest	78,864	47,091
37	17,499,525 13,512,903		17,499,525	13,512,903

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

P&L — PDF page 7

Camelot table (pages 7, primary page 7).

#	Joined label	Line item	2024	2023
0	For the Quarter Ended September 30, 2024 and 2023		For the Quarter Ended September 30, 2024 and 2023
1	2024 2023		2024	2023
2	NET INCOME BEFORE MINORITY INTEREST 17,499,525 13,512,903	NET INCOME BEFORE MINORITY INTEREST	17,499,525	13,512,903
3	Other Comprehensive Income:	Other Comprehensive Income:
4	Items that may be reclassified subsequently to profit or loss	Items that may be reclassified subsequently to profit or loss
5	Net change in fair value reserve on FVOCI securities,	Net change in fair value reserve on FVOCI securities,
6	net of tax effect 9,087,475 (316,367)	net of tax effect	9,087,475	(316,367)
7	Fair value reserve on investments of insurance subsidiaries,	Fair value reserve on investments of insurance subsidiaries,
8	net of tax effect 118,175 (8,742)	net of tax effect	118,175	(8,742)
9	Share in other comprehensive income of associates 462,953 (128,275)	Share in other comprehensive income of associates	462,953	(128,275)
10	Currency translation differences (362,974) 207,471	Currency translation differences	(362,974)	207,471
11	Items that will not be reclassified to profit or loss	Items that will not be reclassified to profit or loss
12	Actuarial gains (losses) on defined benefit	Actuarial gains (losses) on defined benefit
13	plan, net of tax effect (1,605) 0	plan, net of tax effect	(1,605)	0
14
15	(48,006)0			(48,006)0
16	Total Other Comprehensive Income (Loss), net of tax effect 9,341,670 (293,920)	Total Other Comprehensive Income (Loss), net of tax effect	9,341,670	(293,920)
17	Total Comprehensive Income for the Year 26,841,195 13,218,982	Total Comprehensive Income for the Year	26,841,195	13,218,982
18	Attributable to:	Attributable to:
19	Equity holders of BPI 26,711,340 13,174,015	Equity holders of BPI	26,711,340	13,174,015
20	Non-Controlling Interest 129,855 44,968	Non-Controlling Interest	129,855	44,968

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

BS

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

BS — PDF page 9

Camelot table (pages 9, primary page 9).

#	Joined label	Line item	2024	2023
0	(In Thousands of Pesos)	(In Thousands of Pesos)
1	Unaudited Unaudited		Unaudited	Unaudited
2	2024 2023		2024	2023
3	NET INCOME BEFORE MINORITY INTEREST 48,207,688 38,766,277	NET INCOME BEFORE MINORITY INTEREST	48,207,688	38,766,277
4	Other Comprehensive Income	Other Comprehensive Income
5	Items that may be reclassified subsequently to profit or loss	Items that may be reclassified subsequently to profit or loss
6	Net change in fair value reserve on FVOCI securities,	Net change in fair value reserve on FVOCI securities,
7	net of tax effect 4,841,110 222,644	net of tax effect	4,841,110	222,644
8	Fair value reserve on investments of insurance subsidiaries,	Fair value reserve on investments of insurance subsidiaries,
9	net of tax effect 90,870 24,127	net of tax effect	90,870	24,127
10	Share in other comprehensive income of associates 199,180 138,146	Share in other comprehensive income of associates	199,180	138,146
11	Currency translation differences 116,719 121,666	Currency translation differences	116,719	121,666
12	Items that will not be reclassified to profit or loss	Items that will not be reclassified to profit or loss
13	Actuarial gains (losses) on defined benefit	Actuarial gains (losses) on defined benefit
14	plan, net of tax effect 15,178 31,865	plan, net of tax effect	15,178	31,865
15	Share in other comprehensive gain (loss) of associates 34,590 88,804	Share in other comprehensive gain (loss) of associates	34,590	88,804
16	Total Other Comprehensive Income (Loss), net of tax effect 5,297,647 627,252	Total Other Comprehensive Income (Loss), net of tax effect	5,297,647	627,252
17	T otal Comprehensive Income for the Year 53,505,335 39,393,529	T otal Comprehensive Income for the Year	53,505,335	39,393,529
18	Attributable to:	Attributable to:
19	Equity holders of BPI 53,235,043 39,226,332	Equity holders of BPI	53,235,043	39,226,332
20	Non-Controlling Interest 270,292 167,197	Non-Controlling Interest	270,292	167,197

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

BS — PDF page 10

Camelot table (pages 10, primary page 10).

#	Joined label	Line item	Share Capital	Share Premium	Reserves	Surplus	Accumulated Other → Comprehensive	Treasury Shares	Total	Non-controlling → Interest	Total
0	Accumulated Other						Accumulated Other
1	Non-controlling									Non-controlling
2	Share Capital Share Premium Reserves Surplus Comprehensive Treasury Shares Total Total		Share Capital	Share Premium	Reserves	Surplus	Comprehensive	Treasury Shares	Total		Total
3	Interest									Interest
4	Income (Loss)						Income (Loss)
5	Balance, December 31, 2023 49,307,247 113,413,765 643,633 204,966,735 (11,127,367) 357,204,012 2,166,058 359,370,070	Balance, December 31, 2023	49,307,247	113,413,765	643,633	204,966,735	(11,127,367)		357,204,012	2,166,058	359,370,070
6	Comprehensive Income	Comprehensive Income
7	Net Income for the year 47,985,437 47,985,437 222,251 48,207,688	Net Income for the year				47,985,437			47,985,437	222,251	48,207,688
8	Other Comprehensive Income for the year 5,249,607 5,249,607 48,041 5,297,647	Other Comprehensive Income for the year					5,249,607		5,249,607	48,041	5,297,647
9	Total Comprehensive Income for the year 47,985,437 5,249,607 53,235,043 270,292 53,505,335	Total Comprehensive Income for the year				47,985,437	5,249,607		53,235,043	270,292	53,505,335
10	Transactions with owners	Transactions with owners
11	Issuance of Share - BPI & RBC Merger 3,140,040 29,453,574 32,593,614 32,593,614	Issuance of Share - BPI & RBC Merger	3,140,040	29,453,574					32,593,614		32,593,614
12	Executive Stock Plan amortization 134,907 167,083 (24,133) 277,858 277,858	Executive Stock Plan amortization	134,907	167,083	(24,133)				277,858		277,858
13	Dividends Declared (10,438,748) (10,438,748) (156,888) (10,595,637)	Dividends Declared				(10,438,748)			(10,438,748)	(156,888)	(10,595,637)
14	Total transactions with owners 3,274,947 29,620,658 (24,133) (10,438,748) 22,432,724 (156,888) 22,275,835	Total transactions with owners	3,274,947	29,620,658	(24,133)	(10,438,748)			22,432,724	(156,888)	22,275,835
15	Other movements	Other movements
16	Transfer from Reserve to Surplus 4,519,536 4,519,536 4,519,536	Transfer from Reserve to Surplus			4,519,536				4,519,536		4,519,536
17	Transfer from Surplus to Reserves (4,519,536) (4,519,536) (4,519,536)	Transfer from Surplus to Reserves				(4,519,536)			(4,519,536)		(4,519,536)
18	Others 1,194 468,269 469,463 (0) 469,463	Others			1,194	468,269			469,463	(0)	469,463
19	Total other movements 4,520,730 (4,051,267) 469,463 (0) 469,463	Total other movements			4,520,730	(4,051,267)			469,463	(0)	469,463
20	Balance, SEPTEMBER 30, 2024 52,582,194 143,034,422 5,140,230 238,462,157 (5,877,761) 433,341,242 2,279,461 435,620,703	Balance, SEPTEMBER 30, 2024	52,582,194	143,034,422	5,140,230	238,462,157	(5,877,761)		433,341,242	2,279,461	435,620,703

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

CF

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

CF — PDF page 10

Camelot table (pages 10, primary page 10).

#	Joined label	Line item	Share Capital	Share Premium	Reserves	Surplus	Accumulated Other → Comprehensive	Treasury Shares	Total	Non-controlling → Interest	Total
0	Accumulated Other						Accumulated Other
1	Non-controlling									Non-controlling
2	Share Capital Share Premium Reserves Surplus Comprehensive Treasury Shares Total Total		Share Capital	Share Premium	Reserves	Surplus	Comprehensive	Treasury Shares	Total		Total
3	Interest									Interest
4	Income (Loss)						Income (Loss)
5	Balance, December 31, 2023 49,307,247 113,413,765 643,633 204,966,735 (11,127,367) 357,204,012 2,166,058 359,370,070	Balance, December 31, 2023	49,307,247	113,413,765	643,633	204,966,735	(11,127,367)		357,204,012	2,166,058	359,370,070
6	Comprehensive Income	Comprehensive Income
7	Net Income for the year 47,985,437 47,985,437 222,251 48,207,688	Net Income for the year				47,985,437			47,985,437	222,251	48,207,688
8	Other Comprehensive Income for the year 5,249,607 5,249,607 48,041 5,297,647	Other Comprehensive Income for the year					5,249,607		5,249,607	48,041	5,297,647
9	Total Comprehensive Income for the year 47,985,437 5,249,607 53,235,043 270,292 53,505,335	Total Comprehensive Income for the year				47,985,437	5,249,607		53,235,043	270,292	53,505,335
10	Transactions with owners	Transactions with owners
11	Issuance of Share - BPI & RBC Merger 3,140,040 29,453,574 32,593,614 32,593,614	Issuance of Share - BPI & RBC Merger	3,140,040	29,453,574					32,593,614		32,593,614
12	Executive Stock Plan amortization 134,907 167,083 (24,133) 277,858 277,858	Executive Stock Plan amortization	134,907	167,083	(24,133)				277,858		277,858
13	Dividends Declared (10,438,748) (10,438,748) (156,888) (10,595,637)	Dividends Declared				(10,438,748)			(10,438,748)	(156,888)	(10,595,637)
14	Total transactions with owners 3,274,947 29,620,658 (24,133) (10,438,748) 22,432,724 (156,888) 22,275,835	Total transactions with owners	3,274,947	29,620,658	(24,133)	(10,438,748)			22,432,724	(156,888)	22,275,835
15	Other movements	Other movements
16	Transfer from Reserve to Surplus 4,519,536 4,519,536 4,519,536	Transfer from Reserve to Surplus			4,519,536				4,519,536		4,519,536
17	Transfer from Surplus to Reserves (4,519,536) (4,519,536) (4,519,536)	Transfer from Surplus to Reserves				(4,519,536)			(4,519,536)		(4,519,536)
18	Others 1,194 468,269 469,463 (0) 469,463	Others			1,194	468,269			469,463	(0)	469,463
19	Total other movements 4,520,730 (4,051,267) 469,463 (0) 469,463	Total other movements			4,520,730	(4,051,267)			469,463	(0)	469,463
20	Balance, SEPTEMBER 30, 2024 52,582,194 143,034,422 5,140,230 238,462,157 (5,877,761) 433,341,242 2,279,461 435,620,703	Balance, SEPTEMBER 30, 2024	52,582,194	143,034,422	5,140,230	238,462,157	(5,877,761)		433,341,242	2,279,461	435,620,703

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

CF — PDF page 11

Camelot table (pages 11, primary page 11).

#	Joined label	Line item	2024	2023
0	September 2024 September 2023		September 2024	September 2023
1	CASH FLOW FROM OPERATING ACTIVITIES	CASH FLOW FROM OPERATING ACTIVITIES
2	Income before income tax 21,696 17,053	Income before income tax	21,696	17,053
3	Adjustments for:	Adjustments for:
4	Impairment losses 1,800 1,000	Impairment losses	1,800	1,000
5	Depreciation and amortization 1,257 1,747	Depreciation and amortization	1,257	1,747
6	Share in net income of associates (796) (740)	Share in net income of associates	(796)	(740)
7	Dividend and other Income (11) (2)	Dividend and other Income	(11)	(2)
8	Share based compensation 35 (59)	Share based compensation	35	(59)
9	Profit from asset sold (86) (18)	Profit from asset sold	(86)	(18)
10	Realized gain or sale on investment securities (985) (42)	Realized gain or sale on investment securities	(985)	(42)
11	Interest income (48,541) (37,634)	Interest income	(48,541)	(37,634)
12	Interest received 51,300 35,278	Interest received	51,300	35,278
13	Interest expense 16,030 11,047	Interest expense	16,030	11,047
14	Interest paid (17,014) (10,547)	Interest paid	(17,014)	(10,547)
15	(Increase) decrease in:	(Increase) decrease in:
16	Interbank loans receivable and securities purchased under	Interbank loans receivable and securities purchased under
17	agreements to resell 1,013 471	agreements to resell	1,013	471
18	Financial Assets at FVTPL 2,229 14,103	Financial Assets at FVTPL	2,229	14,103
19	Loans and advances,net (54,109) (19,765)	Loans and advances,net	(54,109)	(19,765)
20	Assets held for sale (589) (43)	Assets held for sale	(589)	(43)
21	Assets attributatble to Insurance operations (383) 510	Assets attributatble to Insurance operations	(383)	510
22	Other assets 7,198 (3,039)	Other assets	7,198	(3,039)
23	Increase (decrease) in:	Increase (decrease) in:
24	Deposit liabilities 33,813 27,099	Deposit liabilities	33,813	27,099
25	Due to Bangko Sentral ng Pilipinas and other banks (2,170) (203)	Due to Bangko Sentral ng Pilipinas and other banks	(2,170)	(203)
26	Manager's checks demand drafts outstanding (1,398) 69	Manager's checks demand drafts outstanding	(1,398)	69
27	Accrued taxes, interest and other expenses 1,433 991	Accrued taxes, interest and other expenses	1,433	991
28	Liabilities attributable to insurance operations 256 (515)	Liabilities attributable to insurance operations	256	(515)
29	Derivative financial instruments (509) (897)	Derivative financial instruments	(509)	(897)
30	Deferred credits and other liabilities 3,378 (9,769)	Deferred credits and other liabilities	3,378	(9,769)
31	Net cash from (used in) operations 14,845 26,093	Net cash from (used in) operations	14,845	26,093
32	Income taxes paid (4,656) (3,771)	Income taxes paid	(4,656)	(3,771)
33	Net cash from (used in) operating activities 10,189 22,322	Net cash from (used in) operating activities	10,189	22,322
Investing activities
34	CASH FLOWS FROM INVESTING ACTIVITIES	CASH FLOWS FROM INVESTING ACTIVITIES
35	Additions to:	Additions to:
36	Investment Securities, net (56,948) (66,005)	Investment Securities, net	(56,948)	(66,005)
37	Bank premises, furniture, fixtures and equipment (812) (1,171)	Bank premises, furniture, fixtures and equipment	(812)	(1,171)
38	Proceeds from:	Proceeds from:

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

Formulas used

• Net debt: debt_short + debt_long - cash; same-date sibling row (instant BS value; cross-period fill)
• EBITDA: identity: operating profit + D&A on this row [rgap]
• NII proxy: NII proxy = revenue (bank top-line fallback when explicit net_interest_income is absent)