Financial insights of MTB-PH

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans	1,994	2,074	2,104	2,054
Investment securities	393	382	377	334
Deposits at banks	149	181	198	219
Other	-	0	1	2
Total interest income	2,536	2,637	2,680	2,609
Savings and interest-checking deposits	483	551	589	579
Time deposits	97	109	119	123
Short-term borrowings	54	23	32	37
Long-term borrowings	150	175	179	157
Total interest expense	784	858	919	896
Net interest income	1,752	1,779	1,761	1,713
Provision for credit losses	140	125	125	125
Net interest income after provision for credit losses	1,612	1,654	1,636	1,588
Mortgage banking revenues	127	155	147	130
Service charges on deposit accounts	139	140	141	137
Trust income	183	184	181	182
Brokerage services income	35	34	34	31
Trading account and other non-hedging derivative gains	14	19	18	12
Gain (loss) on bank investment securities	4	1	1	0
Other revenues from operations	187	163	230	191
Total other income	689	696	752	683
Salaries and employee benefits	914	809	833	813
Equipment and net occupancy	133	134	129	130
Outside data processing and software	144	146	138	138
Professional and other services	93	105	81	86
Fdic assessments	23	-8	13	22
Advertising and marketing	21	32	23	25
Amortization of core deposit and other intangible assets	9	10	10	9
Other costs of operations	101	151	136	113
Total other expense	1,438	1,379	1,363	1,336
Income before taxes	863	971	1,025	935
Income taxes	199	212	233	219
Net income	664	759	792	716

Basic EPS	4.16	4.977	4.85	4.26
Diluted EPS	4.13	4.943	4.82	4.24
Basic Average Shares	149,225,000	152,512,000	155,558,000	159,221,000
Diluted Average Shares	150,109,000	153,559,000	156,553,000	160,005,000

Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.