Bank of the Philippine Islands

Bank of the Philippine Islands is the oldest bank in the Philippines and Southeast Asia, founded in 1851, and the banking arm of the Ayala group. It is a universal bank covering consumer and corporate lending, deposits, credit cards, wealth management and insurance, and it has invested heavily in digital banking. BPI is consistently among the largest and best-capitalised lenders in the country, and a core holding for investors seeking exposure to Philippine credit growth.

What moves the stock

Like all banks, BPI lives off the gap between lending rates and funding costs, so the policy rate set by the Bangko Sentral ng Pilipinas is a primary driver of its margins. Loan growth, particularly in consumer and corporate segments, scales earnings, while credit quality — the level of bad loans and the provisions set aside for them — can dent or lift profit. Fee income from cards, bancassurance and wealth adds diversification. Investors also track capital ratios, cost efficiency and dividend payout. A merger or consolidation within the group, as the bank has done before, can be a structural catalyst for the share price.

Bank of the Philippine Islands (BPI) currently trades at a price-to-earnings ratio of —, with a dividend yield of n/a. Quality scores update after each fiscal quarter is reported.

Analysis is automatically refreshed using the latest filings and prices. Not a recommendation to buy or sell.