To my fellow Shareholders,

This year has been a landmark year in PBCOM’s journey, as we achieved an outstanding net income of over ₱2 billion—a historic high for our institution and a clear testament to our strategic focus, operational discipline, and unwavering commitment to excellence.

This milestone was not achieved by chance. It is the result of deliberate, well-executed initiatives across the Bank. From prudent risk management and innovation in digital banking, to our continued support for small and medium sized enterprises, PBCOM has grown stronger, more agile, and more future-ready. In an environment marked by global uncertainties and local market transitions, we remained resilient and responsive, capitalizing on opportunities while safeguarding our stakeholders’ interests.

Our strategic direction is clear: to be a reliable partner in nation-building by empowering people, businesses, and communities through reliable and forward-thinking financial services.

To our shareholders, your continued trust is the foundation of our success. On behalf of the Board of Directors, I extend my deepest gratitude for your confidence and support. We look forward to building on this momentum and shaping an even more remarkable future for PBCOM.

Eric O. Recto, Chairman