Total revenues rose 20 percent to P51 billion, driven by net interest income of P40.6 billion on 13 percent growth in interest-earning assets and a 21 percent increase in fee income to P7.1 billion.
Management’s view
“Our 2025 performance demonstrates the Bank’s ability to grow efficiently amidst a competitive environment and evolving market conditions,” said EastWest Bank president Jackie S. Fernandez.
Operating expenses rose 8 percent to P25.4 billion, while pre-provision operating profit jumped 33 percent to P25.5 billion, improving the cost-to-income ratio to 49.7 percent from 55.2 percent.
Asset quality and funding base
Provisions reached P14.2 billion with non-performing loan coverage at 86 percent, reflecting continued credit buffers alongside asset growth.
Total assets grew 10 percent to P577.1 billion, funded by deposits up 13 percent to P437.8 billion with a current and savings account ratio of 82 percent, pointing to stronger balance-sheet capacity entering 2026.
—Edited by Miguel R. Camus
