Asia United Bank Income Statement

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	18,944	15,313	13,949	10,973	10,484
Interest Income on Investments	5,484	6,037	5,838	3,906	2,222
Total Interest Income	24,428	21,351	19,787	14,879	12,705
Interest Paid on Deposits	5,807	4,404	4,519	1,588	1,252
Interest Paid on Borrowings	216.73	167.22	142.23	392.46	540.03
Total Interest Expense	6,023	4,572	4,661	1,980	1,792
Net Interest Income	18,405	16,779	15,126	12,898	10,913
Net Interest Income Growth (YoY)	9.69%	10.93%	17.27%	18.19%	0.66%
Trust Income	194.94	169.49	114.23	121.67	107.93
Income From Trading Activities	1,773	1,927	513.04	194.21	-43.03
Gain (Loss) on Sale of Assets	59.94	75.29	36.45	41.55	18.67
Gain (Loss) on Sale of Investments	-	-	-	-0.21	499.96
Other Non-Interest Income	2,811	2,327	2,113	1,781	1,523
Total Non-Interest Income	4,838	4,499	2,777	2,138	2,107
Non-Interest Income Growth (YoY)	7.53%	62.03%	29.88%	1.49%	-50.22%
Revenues Before Loan Losses	23,243	21,278	17,903	15,036	13,020
Provision for Loan Losses	5.28	500.43	1,118	1,610	2,419
Revenue	23,238	20,778	16,785	13,426	10,601
Revenue Growth (YoY)	11.84%	23.79%	25.01%	26.65%	9.91%
Salaries and Employee Benefits	2,267	2,149	1,931	1,813	1,757
Occupancy Expenses	859.53	789.89	699.98	644.69	665.22
Amortization of Goodwill & Intangibles	39.21	43.87	68.71	73.1	75.58
Selling, General & Administrative	1,406	1,306	1,214	1,061	983.35
Other Non-Interest Expense	2,828	2,568	2,533	2,011	2,019
Total Non-Interest Expense	7,400	6,857	6,446	5,603	5,500
EBT Excluding Unusual Items	15,837	13,921	10,339	7,823	5,101
Asset Writedown	-	-16.3	-68.33	-15.31	-2.09
Legal Settlements	-17.26	-26.05	-29.57	-49.77	-25.23
Pretax Income	15,820	13,879	10,241	7,758	5,074
Income Tax Expense	3,080	2,525	1,980	1,479	1,006
Earnings From Continuing Operations	12,741	11,354	8,261	6,279	4,068
Minority Interest in Earnings	-27.79	-16.32	-8.15	-11.74	-14.03
Net Income	12,713	11,338	8,252	6,267	4,054
Net Income to Common	12,713	11,338	8,252	6,267	4,054
Net Income Growth	12.13%	37.39%	31.68%	54.59%	34.10%
Basic Shares Outstanding	1,456	1,456	1,456	1,456	1,456
Diluted Shares Outstanding	1,456	1,456	1,456	1,456	1,456
EPS (Basic)	8.73	7.79	5.67	4.30	2.78
EPS (Diluted)	8.73	7.79	5.67	4.30	2.78
EPS Growth	12.13%	37.39%	31.68%	54.59%	34.10%
Dividend Per Share	2.000	1.165	0.667	0.667	0.667
Dividend Growth	71.67%	74.74%	-	-	-
Effective Tax Rate	19.47%	18.19%	19.34%	19.07%	19.82%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.