BDO Unibank Balance Sheet

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Jan '23 Jan 1, 2023	Dec '21 Dec 31, 2021
Cash & Equivalents	218,553	322,831	304,127	291,643	529,178	258,830
Investment Securities	1,175,407	979,587	878,353	839,307	647,235	590,616
Trading Asset Securities	35,721	33,527	27,929	14,749	-	47,934
Total Investments	1,211,128	1,013,114	906,282	854,056	647,235	638,550
Gross Loans	3,880,897	3,602,168	3,143,519	2,789,537	2,692,523	2,331,164
Allowance for Loan Losses	-	-83,840	-89,097	-83,103	-	-65,259
Other Adjustments to Gross Loans	-	-1,226	-1,417	-1,438	-	-324
Net Loans	3,880,897	3,517,102	3,053,005	2,704,996	2,692,523	2,265,581
Property, Plant & Equipment	66,338	60,307	52,659	46,673	45,106	43,336
Goodwill	-	4,535	4,535	4,535	-	4,535
Other Intangible Assets	-	10,291	9,445	9,733	1,365	8,674
Investments in Real Estate	43,495	42,927	33,914	42,600	17,183	19,055
Other Receivables	3,574	43,088	28,934	21,707	-	8,153
Restricted Cash	268,183	170,153	217,803	281,591	-	271,953
Other Current Assets	-	70,321	103,272	80,952	-	80,798
Long-Term Deferred Tax Assets	-	1,107	45	491	-	6,768
Other Real Estate Owned & Foreclosed	-	7,282	10,672	1,294	-	1,954
Other Long-Term Assets	212,374	157,801	142,958	130,480	142,118	7,710
Total Assets	5,904,542	5,431,556	4,876,050	4,477,661	4,074,708	3,623,749
Accounts Payable	-	43,281	35,015	25,723	-	13,572
Accrued Expenses	-	16,582	19,507	19,166	-	17,089
Interest Bearing Deposits	4,566,089	4,189,791	3,794,027	3,567,550	3,220,883	2,820,896
Total Deposits	4,566,089	4,189,791	3,794,027	3,567,550	3,220,883	2,820,896
Short-Term Borrowings	-	6,080	6,361	5,139	-	5,742
Current Portion of Long-Term Debt	-	141,671	141,793	111,913	-	112,973
Current Portion of Leases	-	3,594	3,472	3,138	-	2,820
Other Current Liabilities	-	48,573	61,426	42,121	-	40,066
Long-Term Debt	449,743	210,147	119,677	77,669	198,891	91,458
Long-Term Leases	-	11,349	10,529	9,896	-	9,267
Pension & Post-Retirement Benefits	-	-	-	-	-	3,800
Other Long-Term Liabilities	232,808	116,342	106,848	96,792	193,477	81,518
Total Liabilities	5,248,640	4,787,410	4,298,655	3,959,107	3,613,251	3,199,201
Preferred Stock, Convertible	6,180	6,180	6,180	6,180	6,180	5,150
Common Stock	53,351	53,340	53,265	52,684	52,641	43,855
Additional Paid-In Capital	238,347	238,223	237,468	230,452	229,946	124,447
Retained Earnings	406,639	377,963	320,610	258,423	200,668	269,673
Treasury Stock	-	-	-7,077	-1	-1	-
Comprehensive Income & Other	-48,603	-34,632	-35,775	-31,822	-30,102	-20,191
Total Common Equity	649,734	634,894	568,491	509,736	453,152	417,784
Minority Interest	-12	3,072	2,724	2,638	2,125	1,614
Shareholders' Equity	655,902	644,146	577,395	518,554	461,457	424,548
Total Liabilities & Equity	5,904,542	5,431,556	4,876,050	4,477,661	4,074,708	3,623,749
Total Debt	449,743	372,841	281,832	207,755	198,891	222,260
Net Cash (Debt)	-164,118	6,687	75,687	124,007	330,287	101,599
Net Cash Growth	-	-91.16%	-38.97%	-62.46%	225.09%	14.99%
Net Cash Per Share	-30.52	1.24	14.12	23.13	61.49	18.95
Filing Date Shares Outstanding	5,335	5,335	5,321	5,317	5,313	5,311
Total Common Shares Outstanding	5,335	5,334	5,321	5,317	5,313	5,311
Book Value Per Share	121.78	119.03	106.84	95.87	85.30	78.66
Tangible Book Value	649,734	620,068	554,511	495,468	451,787	404,575
Tangible Book Value Per Share	121.78	116.25	104.22	93.19	85.04	76.18