Bank of Commerce 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	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	8,577	11,651	6,694	7,619	7,120	9,680
Investment Securities	88,229	56,046	82,006	73,229	64,587	41,324
Trading Asset Securities	4,975	2,846	208.29	36.19	503.72	663.02
Total Investments	93,204	58,892	82,214	73,265	65,090	41,987
Gross Loans	149,462	135,486	109,453	105,583	75,485	73,121
Allowance for Loan Losses	-2,990	-2,867	-3,020	-3,461	-3,543	-4,232
Other Adjustments to Gross Loans	-81.07	-67.36	-45.39	-43.15	-37.31	-22.78
Net Loans	146,391	132,551	106,388	102,080	71,904	68,866
Property, Plant & Equipment	1,984	2,000	1,791	1,425	1,472	1,659
Other Intangible Assets	-	501.93	369.41	296.25	268.42	273.04
Investments in Real Estate	4,124	3,993	3,676	3,400	3,448	3,625
Accrued Interest Receivable	2,030	1,754	1,443	1,280	974.48	888.47
Other Receivables	3,396	1,909	1,444	1,440	1,204	1,582
Restricted Cash	11,726	47,913	24,272	23,675	45,367	39,547
Other Current Assets	-	2,744	2,190	1,822	1,585	1,299
Long-Term Deferred Tax Assets	457.77	447.02	475.33	612.09	743.51	955.38
Other Real Estate Owned & Foreclosed	-	66.5	73.49	43.13	20.42	51.04
Other Long-Term Assets	4,362	1,017	637.52	560.26	514.43	505.97
Total Assets	276,251	265,440	231,668	217,518	199,713	170,921
Accounts Payable	-	5,148	1,371	1,196	757.59	874.6
Accrued Expenses	-	597.62	670.45	600.43	592.72	555.02
Interest Bearing Deposits	208,190	206,979	180,876	171,238	166,684	144,076
Total Deposits	208,190	206,979	180,876	171,238	166,684	144,076
Short-Term Borrowings	53.34	45.21	6.2	0.28	-	0.02
Current Income Taxes Payable	-	116.69	112.89	107.08	133.57	73.08
Accrued Interest Payable	1,309	255.75	345.5	208.62	53.48	51.64
Other Current Liabilities	2,837	5,441	3,051	2,056	1,411	1,575
Long-Term Debt	24,431	11,564	12,508	12,472	5,029	5,029
Long-Term Leases	-	661.59	593.36	490.91	538.4	682
Pension & Post-Retirement Benefits	-	-	126.14	-	158.55	392.54
Other Long-Term Liabilities	3,794	1,402	1,156	1,119	990.5	844.23
Total Liabilities	240,613	232,210	200,817	189,487	176,350	154,154
Preferred Stock, Convertible	4,167	4,167	4,167	4,167	4,167	-
Common Stock	14,030	14,030	14,030	14,030	11,224	11,224
Additional Paid-In Capital	7,229	7,229	7,229	7,229	6,777	5,594
Retained Earnings	9,056	7,502	5,123	2,425	852.47	157.73
Comprehensive Income & Other	1,156	302.34	301.81	179.26	342.79	-209.45
Total Common Equity	31,471	29,063	26,685	23,864	19,196	16,766
Shareholders' Equity	35,637	33,230	30,851	28,031	23,363	16,766
Total Liabilities & Equity	276,251	265,440	231,668	217,518	199,713	170,921
Total Debt	24,484	12,271	13,107	12,963	5,568	5,711
Net Cash (Debt)	1,067	2,226	11,769	9,231	17,857	20,451
Net Cash Growth	-77.90%	-81.08%	27.48%	-48.30%	-12.69%	31.83%
Net Cash Per Share	0.59	1.22	6.47	5.27	13.78	18.22
Filing Date Shares Outstanding	1,403	1,403	1,403	1,403	1,403	1,122
Total Common Shares Outstanding	1,403	1,403	1,403	1,403	1,122	1,122
Book Value Per Share	22.43	20.71	19.02	17.01	17.10	14.94
Tangible Book Value	31,471	28,561	26,315	23,568	18,928	16,493
Tangible Book Value Per Share	22.43	20.36	18.76	16.80	16.86	14.69

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