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PBCOM's net profit rose 66.9% yoy to PHP 399 mil in 3Q2019

By Helgi Library - February 20, 2020

PBCOM made a net profit of PHP 399 mil in the third quarter of 2019, up 66.9% when compared to the same period of last year. ...

PBCOM's net profit rose 66.9% yoy to PHP 399 mil in 3Q2019

By Helgi Library - February 20, 2020

PBCOM made a net profit of PHP 399 mil in the third quarter of 2019, up 66.9% when compared to the same period of last year. ...

PBCOM's customer deposits rose 11.9% yoy to PHP 63,384 mil in 3Q2016

By Helgi Library - February 20, 2020

PBCOM's customer deposits reached PHP 63,384 mil in 2016-09-30, down 3.27% compared to the previous year. Filipino banking sect...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	PHP mil	2,596	2,902	3,114
Net Fee Income	PHP mil	230	270	283
Other Income	PHP mil	1,221	849	977
Total Revenues	PHP mil	4,047	4,021	4,374
Staff Cost	PHP mil	1,181	1,163	1,153
Operating Profit	PHP mil	1,272	1,053	1,225
Provisions	PHP mil	478	339	268
Net Profit	PHP mil	400	392	618

Balance Sheet		2016	2017	2018
Interbank Loans	PHP mil	3,307	1,701	587
Customer Loans	PHP mil	41,211	53,353	60,079
Total Assets	PHP mil	86,499	95,044	103,749
Shareholders' Equity	PHP mil	10,782	9,943	10,326
Interbank Borrowing	PHP mil	10,099	12,567	17,659
Customer Deposits	PHP mil	63,146	70,736	74,029
Issued Debt Securities	PHP mil	0	0	0

Ratios		2016	2017	2018
ROE	%	4.06	3.78	6.10
ROA	%	0.492	0.432	0.621
Costs (As % Of Assets)	%	3.41	3.27	3.17
Costs (As % Of Income)	%	68.6	73.8	72.0
Capital Adequacy Ratio	%	14.7	15.9	14.6
Net Interest Margin	%	3.19	3.20	3.13
Loans (As % Of Deposits)	%	65.3	75.4	81.2
NPLs (As % Of Loans)	%	6.14	4.70	4.19
Provisions (As % Of NPLs)	%	96.9	97.8	94.3

Valuation		2016	2017	2018
Price/Earnings (P/E)		18.2	29.4	15.7
Price/Book Value (P/BV)		0.686	1.16	0.940
Dividend Yield	%	0	0	0
Earnings Per Share (EPS)	PHP	1.36	0.816	1.29
Book Value Per Share	PHP	36.0	20.7	21.5
Dividend Per Share	PHP	0	0	0

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summary
income statement
balance sheet
ratios
other data

summary	Unit	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	PHP mil																						1,505	1,718	1,942	2,326	2,596
Total Revenues	PHP mil																						2,759	3,739	2,717	3,284	4,047
Operating Profit	PHP mil																						1,155	1,344	-57.2	357	1,272
Net Profit	PHP mil																						985	1,633	111	203	400
balance sheet
Interbank Loans	PHP mil																						1,881	864	2,469	2,238	3,307
Customer Loans	PHP mil																						11,082	17,676	27,333	30,840	41,211
Debt Securities	PHP mil																						23,751	29,716	18,709	20,607	19,161
Total Assets	PHP mil																						45,831	62,599	71,936	76,076	86,499
Shareholders' Equity	PHP mil																						4,392	4,074	7,218	8,924	10,782
Interbank Borrowing	PHP mil																						1,187	9,458	3,425	6,482	10,099
Customer Deposits	PHP mil																						31,356	47,281	59,118	58,302	63,146
Issued Debt Securities	PHP mil																						6,637	0	0	0	0
ratios
ROE	%	...																					25.2	38.6	1.97	2.52	4.06
ROA	%	...																					2.26	3.01	0.165	0.275	0.492
Costs (As % Of Assets)	%	...																					3.68	4.42	4.12	3.95	3.41
Costs (As % Of Income)	%																						58.1	64.0	102	89.1	68.6
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	...		...	...	...							20.4	16.2	15.9	15.0	14.7
Net Interest Margin	%	...																					3.45	3.17	2.89	3.14	3.19
Interest Income (As % Of Revenues)	%																						54.5	45.9	71.5	70.8	64.2
Fee Income (As % Of Revenues)	%															...	...	...					6.12	6.36	9.74	8.59	5.68
Staff Cost (As % Of Total Cost)	%																						44.1	45.1	49.2	45.9	42.6
Equity (As % Of Assets)	%																						9.58	6.51	10.0	11.7	12.5
Loans (As % Of Deposits)	%																						35.3	37.4	46.2	52.9	65.3
Loans (As % Assets)	%																						24.2	28.2	38.0	40.5	47.6
NPLs (As % Of Loans)	%	...	...	...	...	...	...	...	...	...	...							...	...				9.71	6.33	6.68	7.40	6.14
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...	...	...	...							...	...				179	155	95.0	88.8	96.9
valuation
Market Capitalisation (End Of Period)	USD mil										...	...				...							92.2	426	344	231	239
Number Of Shares (Average)	mil									...	...	...	...			...							278	278	300	300	300
Share Price (End Of Period)	PHP																						72.0	68.0	32.0	22.5	24.7
Earnings Per Share (EPS)	PHP									...	...	...				...							3.22	5.16	-0.456	-1.52	1.36
Book Value Per Share	PHP									...	...	...	...			...							15.8	14.6	24.1	29.8	36.0
Dividend Per Share	PHP													...	...								0	0	0	0	0
Price/Earnings (P/E)										...	...	...				...							22.4	13.2	...	...	18.2
Price/Book Value (P/BV)										...	...	...	...			...							4.56	4.65	1.33	0.755	0.686
Dividend Yield	%													...	...								0	0	0	0	0
Earnings Per Share Growth	%	...								...	...	...	...			...	...						-30.2	60.3	-109	233	-189
Book Value Per Share Growth	%	...																					-75.8	-7.24	64.7	23.6	20.8

income statement	Unit	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	PHP mil																						3,140	3,344	3,124	3,300	3,635
Interest Cost	PHP mil																						1,635	1,626	1,182	974	1,039
Net Interest Income	PHP mil																						1,505	1,718	1,942	2,326	2,596
Net Fee Income	PHP mil															...	...	...					169	238	265	282	230
Other Income	PHP mil															...	...	...					1,085	1,783	510	676	1,221
Total Revenues	PHP mil																						2,759	3,739	2,717	3,284	4,047
Staff Cost	PHP mil																						708	1,080	1,366	1,344	1,181
Operating Cost	PHP mil																						1,604	2,394	2,774	2,927	2,775
Operating Profit	PHP mil																						1,155	1,344	-57.2	357	1,272
Provisions	PHP mil																						-1.27	-403	-195	444	478
Extra and Other Cost	PHP mil																						-119	-283	-272	-777	159
Pre-Tax Profit	PHP mil																						1,275	2,030	410	690	635
Tax	PHP mil																						290	397	300	486	235
Minorities	PHP mil																						0	0	-0.410	0.381	-0.172
Net Profit	PHP mil																						985	1,633	111	203	400
Dividends	PHP mil													...	...								0	0	0	0	0
growth rates
Net Interest Income Growth	%	...																					13.3	14.1	13.1	19.8	11.6
Net Fee Income Growth	%	...														...	...	...	...				14.7	40.8	11.2	6.63	-18.6
Total Revenue Growth	%	...																					15.0	35.5	-27.3	20.9	23.2
Operating Cost Growth	%	...																					30.8	49.3	15.9	5.51	-5.20
Operating Profit Growth	%	...																					-1.51	16.4	-104	-724	256
Pre-Tax Profit Growth	%	...																					9.73	59.2	-79.8	68.3	-8.02
Net Profit Growth	%	...																					23.7	65.8	-93.2	83.2	96.8
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...												0.806	0.945	0.663	0.774	0.832		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...												0.972	1.36	0.095	0.177	0.316		...
Market Share in Branches	%	...	...	...	...	...	...	...	...	...	...	...	...	...			...						0.734	...	...	...	...	...	...

balance sheet	Unit	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	PHP mil																						6,062	10,313	13,704	13,253	14,399
Interbank Loans	PHP mil																						1,881	864	2,469	2,238	3,307
Customer Loans	PHP mil																						11,082	17,676	27,333	30,840	41,211
Retail Loans	PHP mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	6,780	7,786	5,368
Corporate Loans	PHP mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	22,489	25,336	34,491
Debt Securities	PHP mil																						23,751	29,716	18,709	20,607	19,161
Fixed Assets	PHP mil																						1,338	1,747	1,891	1,791	1,649
Intangible Assets	PHP mil	...	...	...	...	...	...							...		...							155	436	1,002	1,003	781
Goodwill	PHP mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0	0	178	178	178
Total Assets	PHP mil																						45,831	62,599	71,936	76,076	86,499
Shareholders' Equity	PHP mil																						4,392	4,074	7,218	8,924	10,782
Of Which Minority Interest	PHP mil																						0	0	-7.58	-7.19	-8.19
Liabilities	PHP mil																						41,440	58,525	64,717	67,152	75,717
Interbank Borrowing	PHP mil																						1,187	9,458	3,425	6,482	10,099
Customer Deposits	PHP mil																						31,356	47,281	59,118	58,302	63,146
Sight Deposits	PHP mil																						5,788	7,183	9,221	12,524	15,464
Term Deposits	PHP mil																						25,568	40,097	49,897	45,779	47,682
Issued Debt Securities	PHP mil																						6,637	0	0	0	0
Other Liabilities	PHP mil																						2,260	1,786	2,174	2,368	2,472
asset quality
Non-Performing Loans	PHP mil	...	...	...	...	...	...	...	...	...	...							...	...				1,303	1,241	1,949	2,442	2,692
Gross Loans	PHP mil																						13,415	19,598	29,186	33,008	43,819
Total Provisions	PHP mil																						2,332	1,922	1,852	2,168	2,608
growth rates
Customer Loan Growth	%	...																					96.4	59.5	54.6	12.8	33.6
Retail Loan Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	14.8	-31.1
Corporate Loan Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	12.7	36.1
Total Asset Growth	%	...																					10.6	36.6	14.9	5.76	13.7
Shareholders' Equity Growth	%	...																					27.9	-7.24	77.2	23.6	20.8
Customer Deposit Growth	%	...																					12.7	50.8	25.0	-1.38	8.31
market share
Market Share in Customer Loans	%	...	...	...	...	...	...	...	...	...	...	...	...	...									0.323	0.433	0.536	0.533	0.609		...
Market Share in Corporate Loans	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.915	0.890	1.02		...
Market Share in Total Assets	%	...	...	...	...	...	...	...	...	...	...												0.676	0.729	0.735	0.708	0.709		...
Market Share in Customer Deposits	%	...	...	...	...	...	...	...	...	...	...												0.675	0.780	0.870	0.779	0.720		...

ratios	Unit	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%	...																					25.2	38.6	1.97	2.52	4.06
ROA	%	...																					2.26	3.01	0.165	0.275	0.492
Costs (As % Of Assets)	%	...																					3.68	4.42	4.12	3.95	3.41
Costs (As % Of Income)	%																						58.1	64.0	102	89.1	68.6
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	...		...	...	...							20.4	16.2	15.9	15.0	14.7
Tier 1 Ratio	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...							14.5	11.8	12.0	11.5	11.6
Net Interest Margin	%	...																					3.45	3.17	2.89	3.14	3.19
Interest Spread	%	...																					3.08	2.91	2.73	2.98	3.02
Asset Yield	%	...																					7.20	6.17	4.64	4.46	4.47
Cost Of Liabilities	%	...																					4.12	3.25	1.92	1.48	1.45
Payout Ratio	%													...	...								0	0	0	0	0
Interest Income (As % Of Revenues)	%																						54.5	45.9	71.5	70.8	64.2
Fee Income (As % Of Revenues)	%															...	...	...					6.12	6.36	9.74	8.59	5.68
Other Income (As % Of Revenues)	%															...	...	...					39.3	47.7	18.8	20.6	30.2
Cost Per Employee	USD per month	...	...	...	...	...	...	...															...	...	1,655	1,961	1,793
Cost Per Employee (Local Currency)	PHP per month	...	...	...	...	...	...	...															...	...	73,728	90,115	86,953
Staff Cost (As % Of Total Cost)	%																						44.1	45.1	49.2	45.9	42.6
Equity (As % Of Assets)	%																						9.58	6.51	10.0	11.7	12.5
Loans (As % Of Deposits)	%																						35.3	37.4	46.2	52.9	65.3
Loans (As % Assets)	%																						24.2	28.2	38.0	40.5	47.6
NPLs (As % Of Loans)	%	...	...	...	...	...	...	...	...	...	...							...	...				9.71	6.33	6.68	7.40	6.14
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...	...	...	...							...	...				179	155	95.0	88.8	96.9
Provisions (As % Of Loans)	%																						21.0	10.9	6.78	7.03	6.33
Cost of Provisions (As % Of Loans)	%	...																					-0.015	-2.80	-0.866	1.53	1.33

other data	Unit	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Branches		...	...	...	...	...	...	...	...	...	...	...		...			...						64.0	85.0	76.0	82.0	93.0
Employees		...	...	...	...	...	...	...															...	...	1,544	1,243	1,132
ATMs		...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	145
Sight (As % Of Customer Deposits)	%																						18.5	15.2	15.6	21.5	24.5
Risk-Weighted Assets	PHP mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...							27,246	39,334	50,179	55,066	65,288
Return on Loans	%																						11.8	11.4	0.493	0.699	1.11
Operating Profit (As % of Loans)	%	...																					13.8	9.35	-0.254	1.23	3.53
Costs (As % Of Loans)	%	...																					19.2	16.7	12.3	10.1	7.70
Equity (As % Of Loans)	%																						39.6	23.0	26.4	28.9	26.2

Get all company financials in excel:

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PBCOM in Quarterly Numbers
Quarterly (Mar 99 - Sep 19)

Mar 2020

Statistical Dossier

$19.99

Comparison of 12 Banks in Philippines
Quarterly Data (Jun 96 - Dec 19)

Feb 2020

Statistical Dossier

$239.99

PBCOM in Numbers
Annual (1991 - 2018)

Feb 2020

Statistical Dossier

$19.99

Comparison of 13 Banks in Philippines
Annual Data (1990 - 2019)

Feb 2020

Statistical Dossier

$259.99

PBCOM's customer deposits rose 11.9% yoy to PHP 63,384 mil in 3Q2016

By Helgi Library - February 20, 2020

PBCOM's customer deposits reached PHP 63,384 mil in 2016-09-30, down 3.27% compared to the previous year. Filipino banking sector accepted customer deposits of PHP 8,159 bil in 2016-09-30, up 4.48% when compared to the last year. PBCOM accounted for 0.777...

PBCOM's net interest margin rose 15.2% yoy to 3.38% in 3Q2019

By Helgi Library - February 21, 2020

PBCOM's net interest margin amounted to 3.38% in the third quarter of 2019, up from 3.30% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.25% in 4Q2008 and an all time low of 0.850% in 4Q...

PBCOM's net interest margin rose 15.2% yoy to 3.38% in 3Q2019

By Helgi Library - February 21, 2020

PBCOM's price/earnings (P/E) fell 39.0% yoy to 6.27 in 3Q2019

By Helgi Library - February 20, 2020

PBCOM stock traded at PHP 20.8 per share at the end third quarter of 2019 implying a market capitalization of USD 193 mil. Since the end of 3Q2014, the stock has depreciated by -54.8 % implying an annual average growth of -14.7 %. In absolute terms, the value of the c...

PBCOM's price/earnings (P/E) fell 39.0% yoy to 6.27 in 3Q2019

By Helgi Library - February 20, 2020

PBCOM's net interest income rose 9.68% yoy to PHP 795 mil in 3Q2019

By Helgi Library - March 4, 2020

PBCOM generated total banking revenues of PHP 1,274 mil in the third quarter of 2019, up 21% when compared to the same period of last year and 2.09% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee and o...

PBCOM's net interest income rose 9.68% yoy to PHP 795 mil in 3Q2019

By Helgi Library - March 4, 2020

PBCOM's market capitalisation (end of period) rose 5.95% yoy to USD 193 mil in 3Q2019

By Helgi Library - February 20, 2020

PBCOM stock traded at PHP 20.8 per share at the end of third quarter of 2019 implying a market capitalization of USD 193 mil. Over the last five years, the stock has depreciated by 54.8 implying an annual average growth of -14.7% In absolute terms, the va...

PBCOM's market capitalisation (end of period) rose 5.95% yoy to USD 193 mil in 3Q2019

By Helgi Library - February 20, 2020

PBCOM's share price (end of period) rose 1.71% yoy to PHP 20.8 in 3Q2019

By Helgi Library - February 20, 2020

PBCOM stock traded at PHP 20.8 per share at the end of third quarter of 2019 implying a market capitalization of USD 193 mil. Over the last five years, the stock has depreciated by -54.8 % implying an annual average growth of -14.7 %. In absolute terms, the value of t...

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PBCOM

PBCOM's net profit rose 66.9% yoy to PHP 399 mil in 3Q2019

PBCOM's net profit rose 66.9% yoy to PHP 399 mil in 3Q2019

PBCOM's customer deposits rose 11.9% yoy to PHP 63,384 mil in 3Q2016

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PBCOM's customer deposits rose 11.9% yoy to PHP 63,384 mil in 3Q2016

PBCOM's net interest margin rose 15.2% yoy to 3.38% in 3Q2019

PBCOM's net interest margin rose 15.2% yoy to 3.38% in 3Q2019

PBCOM's price/earnings (P/E) fell 39.0% yoy to 6.27 in 3Q2019

PBCOM's price/earnings (P/E) fell 39.0% yoy to 6.27 in 3Q2019

PBCOM's net interest income rose 9.68% yoy to PHP 795 mil in 3Q2019

PBCOM's net interest income rose 9.68% yoy to PHP 795 mil in 3Q2019

PBCOM's market capitalisation (end of period) rose 5.95% yoy to USD 193 mil in 3Q2019

PBCOM's market capitalisation (end of period) rose 5.95% yoy to USD 193 mil in 3Q2019

PBCOM's share price (end of period) rose 1.71% yoy to PHP 20.8 in 3Q2019

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