Financial Data and Key Metrics Changes - Gross service revenues reached PHP 212.2 billion, up 2% or PHP 3.8 billion year-on-year [3] - Net service revenues reached PHP 196.2 billion, marking a record [3] - Cash OPEX decreased to PHP 84.9 billion, down 1%, reflecting spending control [3][14] - EBITDA, excluding MRP costs, rose 3% to PHP 111.2 billion, with margins steady at 52% [3][15] - Telco core income was PHP 33.9 billion, down 3%, mainly due to higher financing costs and depreciation [3][15] - Core income improved to PHP 34.6 billion, up 1%, supported by Maya's swing to profitability [3][15] Business Line Data and Key Metrics Changes - Wireless consumer revenues were PHP 85 billion, steady year-on-year [4] - Fiber revenues grew 6% to PHP 59.4 billion, accounting for 98% of Home revenues [5] - Enterprise revenues grew to a record PHP 48.4 billion, with corporate data and ICT growing 3% to PHP 36.3 billion [5][11] - Fixed wireless revenues were up 22% year-on-year, supported by the shift from 4G to 5G [10] Market Data and Key Metrics Changes - Mobile data traffic grew 7% to 5,900 petabytes in 2025, with active data users reaching 43.2 million [9] - 5G devices were up 35% to 11.2 million, while 5G data traffic rose 88% [9] - The shift towards fiber, wireless data, and ICT is driving growth and offsetting declines in legacy services [5] Company Strategy and Development Direction - The company is focused on maintaining positive free cash flow and reducing CapEx intensity while supporting growth [16][18] - PLDT is investing in digital infrastructure and expanding its digital financial services through Maya [18][19] - The company aims to strengthen its position in data centers and AI with the launch of VITRO and Pilipinas AI [12][19] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in market position supported by improving operational fundamentals and strategic investments [25] - The company anticipates a stable top line and resilient EBITDA, with a focus on digital business growth [3][15] - Management noted that the Philippine telco industry was anemic in 2025, but PLDT outperformed competitors in revenue growth [91] Other Important Information - Total dividends for 2025 amount to PHP 94 per share, reflecting a 16% regular dividend payout [18] - PLDT was included in the S&P Global Sustainability Yearbook for the second consecutive year, indicating progress in sustainability efforts [22][23] Q&A Session Summary Question: What drove the difference in mobile growth between PLDT and Globe? - The growth for PLDT was driven by hyper-personalization offers that increased ARPU, while Globe saw subscriber growth [28][29] Question: What influenced the flat broadband growth and ARPU softness? - The flat growth was impacted by major calamities that diverted resources to repairs, affecting installations [32][33] Question: Update on Konektadong Pinoy and Maya's IPO? - The implementation of Konektadong Pinoy is underway, with eligibility criteria released [37] - No comments on Maya's IPO timing were provided [40] Question: What is the update on the data center stake sale? - A late IPO for the data center is being considered, with an international bank assisting [42] Question: What is driving the increase in interest expense? - The increase is attributed to interest rates, loan balances, and accretion on liabilities [69][70] Question: What is the outlook for mobile growth in a slow economy? - Mobile growth was supported by improved network resiliency and hyper-personalization offers [78] Question: Can you provide guidance on revenue and EBITDA for 2026? - No specific guidance was provided, but CapEx is expected to be in the mid PHP 50 billion range [98][99]

Core Insights - Consumers are facing increased financial pressure as inflation continues to rise, impacting their budgets and necessitating careful management of bills [1] - Negotiating bills and seeking discounts can lead to significant savings, potentially exceeding a thousand dollars annually [6] Bill Management - Consumers often overpay on bills due to autopay settings, which can lead to missed cost increases and discounts [3] - Regular reviews of bills, especially for entertainment services like cable and internet, are essential to avoid unnoticed price hikes [4] Insurance Costs - Insurance premiums, including health, car, and home insurance, tend to increase annually, making it important for consumers to shop around for better rates [5] Savings Strategies - By actively reviewing bills and negotiating, consumers can offset rising costs of essentials, which is particularly crucial during inflationary periods [6] - Consumers should not assume that negotiation is impossible; there are often opportunities to negotiate fees and charges across various services [7] Annual Negotiation - Service providers typically raise prices once a year, so consumers should track deal expirations and initiate negotiations before discounts end [9]