Asia United Bank Corporation (PSE:AUB)

Asia United Bank Income Statement

Financials in millions PHP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	18,198	15,313	13,949	10,973	10,484	11,633
Interest Income on Investments	5,373	6,037	5,838	3,906	2,222	2,157
Total Interest Income	23,571	21,351	19,787	14,879	12,705	13,791
Interest Paid on Deposits	5,532	4,404	4,519	1,588	1,252	2,060
Interest Paid on Borrowings	205.53	167.22	142.23	392.46	540.03	889.03
Total Interest Expense	5,738	4,572	4,661	1,980	1,792	2,949
Net Interest Income	17,833	16,779	15,126	12,898	10,913	10,841
Net Interest Income Growth (YoY)	8.76%	10.93%	17.27%	18.19%	0.66%	15.13%
Trust Income	196.25	169.49	114.23	121.67	107.93	89.87
Income From Trading Activities	2,162	1,927	513.04	194.21	-43.03	1,231
Gain (Loss) on Sale of Assets	75.29	75.29	36.45	41.55	18.67	46.78
Gain (Loss) on Sale of Investments	-	-	-	-0.21	499.96	1,658
Other Non-Interest Income	2,615	2,327	2,113	1,781	1,523	1,207
Total Non-Interest Income	5,049	4,499	2,777	2,138	2,107	4,232
Non-Interest Income Growth (YoY)	32.41%	62.03%	29.88%	1.49%	-50.22%	55.01%
Revenues Before Loan Losses	22,882	21,278	17,903	15,036	13,020	15,073
Provision for Loan Losses	616.93	500.43	1,118	1,610	2,419	5,428
Revenue	22,265	20,778	16,785	13,426	10,601	9,645
Revenue Growth (YoY)	10.52%	23.79%	25.01%	26.65%	9.91%	-12.39%
Salaries and Employee Benefits	2,238	2,149	1,931	1,813	1,757	1,951
Occupancy Expenses	840.77	789.89	699.98	644.69	665.22	692.12
Amortization of Goodwill & Intangibles	38.38	43.87	68.71	73.1	75.58	53.61
Selling, General & Administrative	1,361	1,306	1,214	1,061	983.35	940.49
Other Non-Interest Expense	2,886	2,568	2,533	2,011	2,019	2,121
Total Non-Interest Expense	7,364	6,857	6,446	5,603	5,500	5,759
EBT Excluding Unusual Items	14,901	13,921	10,339	7,823	5,101	3,886
Asset Writedown	-16.3	-16.3	-68.33	-15.31	-2.09	-2.26
Legal Settlements	-26.05	-26.05	-29.57	-49.77	-25.23	-26.57
Pretax Income	14,859	13,879	10,241	7,758	5,074	3,857
Income Tax Expense	2,712	2,525	1,980	1,479	1,006	829.59
Earnings From Continuing Operations	12,147	11,354	8,261	6,279	4,068	3,028
Minority Interest in Earnings	-16.32	-16.32	-8.15	-11.74	-14.03	-4.68
Net Income	12,131	11,338	8,252	6,267	4,054	3,023
Net Income to Common	12,131	11,338	8,252	6,267	4,054	3,023
Net Income Growth	12.90%	37.39%	31.68%	54.59%	34.10%	-32.02%
Basic Shares Outstanding	1,456	1,456	1,456	1,456	1,456	1,456
Diluted Shares Outstanding	1,456	1,456	1,456	1,456	1,456	1,456
EPS (Basic)	8.33	7.79	5.67	4.30	2.78	2.08
EPS (Diluted)	8.33	7.79	5.67	4.30	2.78	2.08
EPS Growth	57.32%	37.39%	31.68%	54.59%	34.10%	-32.02%
Dividend Per Share	-	1.165	0.667	0.667	0.667	0.667
Dividend Growth	-	74.74%	-	-	-	11.12%
Effective Tax Rate	18.25%	18.19%	19.34%	19.07%	19.82%	21.51%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.