BDO Unibank Balance Sheet

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Jan '23 Jan 1, 2023	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	236,171	304,127	291,643	529,178	258,830	260,091
Investment Securities	1,066,900	878,353	839,307	647,235	590,616	493,127
Trading Asset Securities	33,001	27,929	14,749	-	47,934	37,110
Total Investments	1,099,901	906,282	854,056	647,235	638,550	530,237
Gross Loans	3,435,575	3,143,519	2,789,537	2,692,523	2,331,164	2,218,552
Allowance for Loan Losses	-	-89,097	-83,103	-	-65,259	-56,420
Other Adjustments to Gross Loans	-	-1,417	-1,438	-	-324	-189
Net Loans	3,435,575	3,053,005	2,704,996	2,692,523	2,265,581	2,161,943
Property, Plant & Equipment	59,140	52,659	46,673	45,106	43,336	42,806
Goodwill	-	4,535	4,535	-	4,535	4,535
Other Intangible Assets	-	9,445	9,733	1,365	8,674	7,177
Investments in Real Estate	38,032	33,914	42,600	17,183	19,055	16,201
Other Receivables	2,615	28,934	21,707	-	8,153	11,635
Restricted Cash	206,793	217,803	281,591	-	271,953	254,527
Other Current Assets	-	103,272	80,952	-	80,798	58,998
Long-Term Deferred Tax Assets	-	45	491	-	6,768	7,911
Other Real Estate Owned & Foreclosed	-	10,672	1,294	-	1,954	1,066
Other Long-Term Assets	189,770	142,958	130,480	142,118	7,710	8,457
Total Assets	5,267,997	4,876,050	4,477,661	4,074,708	3,623,749	3,374,900
Accounts Payable	-	35,015	25,723	-	13,572	20,293
Accrued Expenses	-	19,507	19,166	-	17,089	18,214
Interest Bearing Deposits	4,106,508	3,794,027	3,567,550	3,220,883	2,820,896	2,610,151
Total Deposits	4,106,508	3,794,027	3,567,550	3,220,883	2,820,896	2,610,151
Short-Term Borrowings	-	6,361	5,139	-	5,742	4,129
Current Portion of Long-Term Debt	-	141,793	111,913	-	112,973	63,662
Current Portion of Leases	-	3,472	3,138	-	2,820	2,534
Other Current Liabilities	-	61,426	42,121	-	40,066	33,158
Long-Term Debt	304,453	119,677	77,669	198,891	91,458	146,082
Long-Term Leases	-	10,529	9,896	-	9,267	9,167
Pension & Post-Retirement Benefits	-	-	-	-	3,800	-
Other Long-Term Liabilities	227,032	106,848	96,792	193,477	81,518	74,489
Total Liabilities	4,637,993	4,298,655	3,959,107	3,613,251	3,199,201	2,981,879
Preferred Stock, Convertible	6,180	6,180	6,180	6,180	5,150	5,150
Common Stock	53,334	53,265	52,684	52,641	43,855	43,842
Additional Paid-In Capital	238,140	237,468	230,452	229,946	124,447	124,327
Retained Earnings	359,308	320,610	258,423	200,668	269,673	232,489
Treasury Stock	-	-7,077	-1	-1	-	-
Comprehensive Income & Other	-29,855	-35,775	-31,822	-30,102	-20,191	-14,385
Total Common Equity	620,927	568,491	509,736	453,152	417,784	386,273
Minority Interest	2,897	2,724	2,638	2,125	1,614	1,598
Shareholders' Equity	630,004	577,395	518,554	461,457	424,548	393,021
Total Liabilities & Equity	5,267,997	4,876,050	4,477,661	4,074,708	3,623,749	3,374,900
Total Debt	304,453	281,832	207,755	198,891	222,260	225,574
Net Cash (Debt)	52,102	75,687	124,007	330,287	101,599	88,356
Net Cash Growth	-69.38%	-38.97%	-62.46%	225.09%	14.99%	-
Net Cash Per Share	9.70	14.11	23.13	61.49	18.95	16.64
Filing Date Shares Outstanding	5,333	5,321	5,317	5,313	5,311	5,310
Total Common Shares Outstanding	5,333	5,321	5,317	5,313	5,311	5,310
Book Value Per Share	116.42	106.84	95.87	85.30	78.66	72.75
Tangible Book Value	620,927	554,511	495,468	451,787	404,575	374,561
Tangible Book Value Per Share	116.42	104.22	93.19	85.04	76.18	70.55

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