SECURITIES AND EXCHANGE COMMISSIONSEC FORM 17-Q

QUARTERLY REPORT PURSUANT TO SECTION 17 OF THE SECURITIES
REGULATION CODE AND SRC RULE 17(2)(b) THEREUNDER

1. For the quarterly period ended

Sep 30, 2025

2. SEC Identification Number

AS096-005555

3. BIR Tax Identification No.

000-188-209-000

4. Exact name of issuer as specified in its charter

PHILIPPINE NATIONAL BANK

5. Province, country or other jurisdiction of incorporation or organization

Philippines

6. Industry Classification Code(SEC Use Only)

7. Address of principal office

PNB Financial Center, President Diosdado Macapagal Blvd., Pasay City, Metro Manila Postal Code 1300

8. Issuer's telephone number, including area code

(632) 8891-60-40 up to 70 / (632) 8526-3131 to 70

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

Not applicable

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	1,525,764,850

11. Are any or all of registrant's securities listed on a Stock Exchange?

Yes

No

If yes, state the name of such stock exchange and the classes of securities listed therein:

Philippine Stock Exchange - Common Shares

12. Indicate by check mark whether the registrant:

(a) has filed all reports required to be filed by Section 17 of the SRC and SRC Rule 17 thereunder or Sections 11 of the RSA and RSA Rule 11(a)-1 thereunder, and Sections 26 and 141 of the Corporation Code of the Philippines, during the preceding twelve (12) months (or for such shorter period that the registrant was required to file such reports)

Yes

No

(b) has been subject to such filing requirements for the past ninety (90) days

Yes

No

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 National BankPNB

PSE Disclosure Form 17-2 - Quarterly Report References: SRC Rule 17 and
Sections 17.2 and 17.8 of the Revised Disclosure Rules

For the period ended	Sep 30, 2025
Currency (indicate units, if applicable)	PHP (In Thousands)

Balance Sheet

	Period Ended	Fiscal Year Ended (Audited)
	Sep 30, 2025	Dec 31, 2024
Current Assets	587,807,232	721,418,021
Total Assets	1,249,134,190	1,257,610,853
Current Liabilities	979,221,710	1,009,642,238
Total Liabilities	1,015,146,247	1,040,981,912
Retained Earnings/(Deficit)	127,767,565	113,663,851
Stockholders' Equity	233,987,943	216,628,941
Stockholders' Equity - Parent	230,093,592	212,846,973
Book Value per Share	150.81	139.5

Income Statement

	Current Year (3 Months)	Previous Year (3 Months)	Current Year-To-Date	Previous Year-To-Date
Gross Revenue	20,820,643	20,567,458	62,425,066	58,879,038
Gross Expense	12,774,507	12,425,838	38,292,619	36,397,125
Non-Operating Income	-	-	-	-
Non-Operating Expense	131,263	1,649,484	473,197	3,718,895
Income/(Loss) Before Tax	7,914,873	6,492,136	23,659,250	18,763,018
Income Tax Expense	1,918,853	1,718,762	5,146,404	3,699,451
Net Income/(Loss) After Tax	5,996,020	4,773,374	18,512,846	15,063,567
Net Income Attributable to Parent Equity Holder	5,961,303	4,735,371	18,417,466	14,951,283
Earnings/(Loss) Per Share (Basic)	3.91	3.1	12.07	9.8
Earnings/(Loss) Per Share (Diluted)	3.91	3.1	12.07	9.8

	Current Year (Trailing 12 months)	Previous Year (Trailing 12 months)
Earnings/(Loss) Per Share (Basic)	16.07	12.72
Earnings/(Loss) Per Share (Diluted)	16.07	12.72

Other Relevant Information
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