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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Cash & Equivalents	19,454	15,156	47,426	13,866	7,619	7,120
Investment Securities	91,792	82,214	56,046	82,006	73,229	64,587
Trading Asset Securities	3,470	5,170	2,846	208.29	36.19	503.72
Total Investments	95,262	87,384	58,892	82,214	73,265	65,090
Gross Loans	161,963	161,811	135,624	109,453	105,583	75,485
Allowance for Loan Losses	-3,104	-1,842	-1,652	-1,829	-3,461	-3,543
Other Adjustments to Gross Loans	-86.34	-83.14	-67.36	-45.39	-43.15	-37.31
Net Loans	158,773	159,885	133,905	107,579	102,080	71,904
Property, Plant & Equipment	1,941	2,017	2,000	1,791	1,425	1,472
Other Intangible Assets	-	587.47	501.93	369.41	296.25	268.42
Investments in Real Estate	4,048	4,116	3,993	3,676	3,400	3,448
Accrued Interest Receivable	2,246	2,182	1,754	1,443	1,280	974.48
Other Receivables	1,498	460.9	692.92	252.48	1,440	1,204
Restricted Cash	17,576	10,700	12,000	17,100	23,675	45,367
Other Current Assets	-	3,079	2,744	2,190	1,822	1,585
Long-Term Deferred Tax Assets	421.51	269.77	447.02	475.33	612.09	743.51
Other Real Estate Owned & Foreclosed	-	69.86	66.5	73.49	43.13	20.42
Other Long-Term Assets	4,891	946.58	1,017	637.52	560.26	514.43
Total Assets	306,111	286,854	265,440	231,668	217,518	199,713
Accounts Payable	-	2,245	5,148	1,371	1,196	757.59
Accrued Expenses	-	854.37	684.06	718.83	600.43	592.72
Interest Bearing Deposits	241,882	223,314	206,979	180,876	171,238	166,684
Total Deposits	241,882	223,314	206,979	180,876	171,238	166,684
Short-Term Borrowings	57.77	2.09	45.21	6.2	0.28	-
Current Portion of Long-Term Debt	-	-	11,564	-	-	-
Current Portion of Leases	-	221.02	197.44	-	-	-
Current Income Taxes Payable	-	90.98	116.69	112.89	107.08	133.57
Accrued Interest Payable	1,472	308.92	255.75	345.5	208.62	53.48
Other Current Liabilities	1,763	3,672	5,682	3,238	2,056	1,411
Long-Term Debt	17,896	17,881	-	12,508	12,472	5,029
Long-Term Leases	-	461.92	464.15	593.36	490.91	538.4
Pension & Post-Retirement Benefits	-	-	-	126.14	-	158.55
Other Long-Term Liabilities	6,906	1,225	1,074	921.74	1,119	990.5
Total Liabilities	269,977	250,275	232,210	200,817	189,487	176,350
Preferred Stock, Convertible	-	4,167	4,167	4,167	4,167	4,167
Common Stock	18,197	14,030	14,030	14,030	14,030	11,224
Additional Paid-In Capital	7,229	7,229	7,229	7,229	7,229	6,777
Retained Earnings	12,351	11,374	8,671	6,218	2,425	852.47
Comprehensive Income & Other	-1,642	-222.53	-866.7	-793.19	179.26	342.79
Total Common Equity	36,134	32,411	29,063	26,685	23,864	19,196
Shareholders' Equity	36,134	36,578	33,230	30,851	28,031	23,363
Total Liabilities & Equity	306,111	286,854	265,440	231,668	217,518	199,713
Total Debt	17,954	18,566	12,271	13,107	12,963	5,568
Net Cash (Debt)	25,470	7,260	38,002	18,941	9,231	17,857
Net Cash Growth	-	-80.90%	100.64%	105.17%	-48.30%	-12.69%
Net Cash Per Share	14.00	3.99	20.88	10.41	5.27	13.78
Filing Date Shares Outstanding	1,403	1,403	1,403	1,403	1,403	1,403
Total Common Shares Outstanding	1,403	1,403	1,403	1,403	1,403	1,122
Book Value Per Share	25.75	23.10	20.71	19.02	17.01	17.10
Tangible Book Value	36,134	31,824	28,561	26,315	23,568	18,928
Tangible Book Value Per Share	25.75	22.68	20.36	18.76	16.80	16.86