Philippine Savings Bank (PSBank), one of the country’s major savings banks, announced that it earned a profit of P3.5 billion for the full year 2025, according to a disclosure filed with the Philippine Stock Exchange on March 6, 2026.
What Does This Mean in Simple Terms?
Think of a bank like a store that lends money instead of selling toys. When people borrow money from the bank and pay it back with interest (extra money), the bank earns income. PSBank did well in lending more money to customers in 2025, which helped them make money.
How Did PSBank Make Money?
The bank’s main way of earning money grew stronger in 2025. Their net interest income (the money they earn from loans after paying depositors) increased by 7% compared to 2024, reaching P13.17 billion. This happened because more people borrowed money from them.
The total amount of money PSBank lent out (called loans) grew by 8% to reach P155 billion. That’s a lot of loans to families and businesses!
Why Was Profit Lower Than Last Year?
Even though PSBank was lending more money, their profit was lower compared to 2024. The reason? The bank set aside more money for credit provisions in 2025. Think of this like a piggy bank for emergencies—PSBank saved more money just in case some borrowers can’t pay back their loans.
According to the disclosure, this shows “the Bank’s continued focus on strengthening its balance sheet,” which means they’re making sure the bank stays healthy and strong for the future.
The bank’s gross non-performing loan (NPL) ratio—which measures how many borrowers are having trouble paying back—stood at 3.68%. The bank’s operating expenses (the cost of running the business) only went up by 3.6% to P9.56 billion, showing they kept their spending under control.
More Customers Trusting PSBank
Total deposits (money that customers keep in the bank) grew by 9% to reach P180 billion. This means more people are trusting PSBank with their savings.
The bank’s total capital reached P46 billion, up 5% from the previous year. Capital is like the bank’s own savings—money they keep to make sure they can handle any problems.
Extra Strong Financial Health
PSBank’s capital adequacy ratio stood at 24.3%, while their Common Equity Tier 1 ratio was at 23.3%. These are fancy terms that measure how financially strong a bank is. Both numbers are way above what the Bangko Sentral ng Pilipinas (the Philippines’ central bank) requires, and are among the highest in the banking industry. This means PSBank is one of the strongest and safest banks around.
What the Bank President Said
PSBank President Jose Vicente Alde said, “Looking ahead, we will continue to build on our strengths and remain committed to delivering simplified banking solutions that help our customers achieve their financial goals.”
Other Achievements in 2025
During the year, Philippine Rating Services Corporation gave PSBank the highest possible credit rating of PRS Aaa (corp.) with a Stable Outlook. This is like getting an A+ grade for being a trustworthy bank.
PSBank also successfully sold bonds (a way for banks to borrow money for long-term projects) that was very popular—the demand was more than six times what they were offering, and it was filled up in just one day.
The bank received several awards in 2025, including recognition from the Asia-Pacific Stevie Awards, SSS Balikat ng Bayan Awards, Marketing Excellence Awards Philippines, HR Excellence Awards Philippines, Philippine Quill Awards, and the Golden Arrow Award from the Institute of Corporate Directors for corporate governance.
About PSBank
Philippine Savings Bank is one of the leading savings banks in the Philippines with 250 branches and more than 500 ATMs across the country. The bank is part of the Metrobank Group and offers various banking products including savings accounts, auto loans, home loans, personal loans, and insurance services. PSBank has 426,859,416 outstanding common shares registered with the Securities and Exchange Commission.
Source Note:This article is based on the company’s official press release and disclosures filed with the Philippine Stock Exchange’s Electronic Disclosure Generation Technology (PSE EDGE) system. For the complete and official version of the announcement, readers may visit the PSE EDGE website and search for the company’s filing directly.
