Bank of Commerce Balance Sheet

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

Millions PHP. Fiscal year is Jan - Dec.

Assets

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	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	15,494	15,156	47,426	13,866	7,619	7,120
Investment Securities	81,281	82,214	56,046	82,006	73,229	64,587
Trading Asset Securities	3,784	5,170	2,846	208.29	36.19	503.72
Total Investments	85,065	87,384	58,892	82,214	73,265	65,090
Gross Loans	152,823	161,811	135,624	109,453	105,583	75,485
Allowance for Loan Losses	-3,133	-1,842	-1,652	-1,829	-3,461	-3,543
Other Adjustments to Gross Loans	-95.55	-83.14	-67.36	-45.39	-43.15	-37.31
Net Loans	149,595	159,885	133,905	107,579	102,080	71,904
Property, Plant & Equipment	2,000	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	3,935	4,116	3,993	3,676	3,400	3,448
Accrued Interest Receivable	2,099	2,182	1,754	1,443	1,280	974.48
Other Receivables	1,578	460.9	692.92	252.48	1,440	1,204
Restricted Cash	22,527	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	438.52	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	4,778	946.58	1,017	637.52	560.26	514.43
Total Assets	287,509	286,854	265,440	231,668	217,518	199,713

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	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
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	223,637	223,314	206,979	180,876	171,238	166,684
Total Deposits	223,637	223,314	206,979	180,876	171,238	166,684
Short-Term Borrowings	15.15	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	1,509	308.92	255.75	345.5	208.62	53.48
Other Current Liabilities	3,152	3,672	5,682	3,238	2,056	1,411
Long-Term Debt	17,911	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	4,912	1,225	1,074	921.74	1,119	990.5
Total Liabilities	251,136	250,275	232,210	200,817	189,487	176,350

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	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Preferred Stock, Convertible	4,167	4,167	4,167	4,167	4,167	4,167
Common Stock	14,030	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	12,577	11,374	8,671	6,218	2,425	852.47
Comprehensive Income & Other	-1,630	-222.53	-866.7	-793.19	179.26	342.79
Total Common Equity	32,207	32,411	29,063	26,685	23,864	19,196
Shareholders' Equity	36,373	36,578	33,230	30,851	28,031	23,363
Total Liabilities & Equity	287,509	286,854	265,440	231,668	217,518	199,713

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	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Total Debt	17,926	18,566	12,271	13,107	12,963	5,568
Net Cash (Debt)	1,352	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	0.74	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	22.96	23.10	20.71	19.02	17.01	17.10
Tangible Book Value	32,207	31,824	28,561	26,315	23,568	18,928
Tangible Book Value Per Share	22.96	22.68	20.36	18.76	16.80	16.86