SECURITIES AND EXCHANGE COMMISSIONSEC FORM 17-C

CURRENT REPORT UNDER SECTION 17
OF THE SECURITIES REGULATION CODE
AND SRC RULE 17.2(c) THEREUNDER

1. Date of Report (Date of earliest event reported)

Nov 7, 2025

2. SEC Identification Number

15552

3. BIR Tax Identification No.

000-663-983-000

4. Exact name of issuer as specified in its charter

Philippine Savings Bank

5. Province, country or other jurisdiction of incorporation

Philippines

6. Industry Classification Code(SEC Use Only)

7. Address of principal office

PSBank Center, 777 Paseo de Roxas, corner Sedeño St., Makati City Postal Code 1226

8. Issuer's telephone number, including area code

88858208

9. Former name or former address, if changed since last report

N/A

10. Securities registered pursuant to Sections 8 and 12 of the SRC or Sections 4 and 8 of the RSA

Title of Each Class	Number of Shares of Common Stock Outstanding and Amount of Debt Outstanding
Common Shares	426,859,416

11. Indicate the item numbers reported herein

Item 9 Other Events

The Exchange does not warrant and holds no responsibility for the veracity of the facts and representations contained in all corporate disclosures, including financial reports. All data contained herein are prepared and submitted by the disclosing party to the Exchange, and are disseminated solely for purposes of information. Any questions on the data contained herein should be addressed directly to the Corporate Information Officer of the disclosing party.

Philippine Savings BankPSB

PSE Disclosure Form 4-30 - Material Information/Transactions References: SRC Rule 17 (SEC Form 17-C) and
Sections 4.1 and 4.4 of the Revised Disclosure Rules

Subject of the Disclosure
PSBank Posts PhP 2.85 Billion Income for the First 9 Months of 2025
Background/Description of the Disclosure
Philippine Savings Bank (PSBank), the thrift banking arm of the Metrobank Group, reported a net income of PhP 2.85 billion as of end-September 2025. Net interest income rose by 8% year-on-year to PhP 9.85 billion, fueled by sustained loan demand across consumer and SME segments. Total loan portfolio continued to register double digit expansion, increasing by 12% to PhP 155 billion as of the third quarter of 2025. Gross non-performing loan (NPL) ratio remained in check at 3.5%. The Bank's productivity initiatives limited the increase in operating expenses at 2% year-on-year, contributing to a 3% pre-provision operating profit growth. Compared to 2024, credit provisions were higher due to last year’s one-off updates in its expected credit loss model. Total resources stood at PhP 222 billion while deposits ended at PhP 164 billion as of September 30, 2025. Total capital reached PhP 46 billion, with a capital adequacy ratio of 24.6% and a Common Equity Tier 1 ratio of 23.6% — both are well above the regulatory minimum set by the Bangko Sentral ng Pilipinas and are among the highest in the industry. “The steady growth in our lending business reflects the trust and confidence of our customers in our commitment to offer simple, reliable, and accessible products and services. As we approach the homestretch of 2025, we will continue to rely on our core business strength and operational efficiencies to provide us a platform for sustainable growth in the coming years”, said PSBank President Jose Vicente Alde.
Other Relevant Information
Please see attachment. Thank you!