PSE:BPI 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	39,023	143,965	102,126	273,120	190,194	175,890
Investment Securities	609,213	622,214	609,652	523,027	480,578	382,349
Trading Asset Securities	102,753	47,308	23,654	22,133	21,334	37,210
Total Investments	711,966	669,522	633,306	545,160	501,912	419,559
Gross Loans	2,415,388	2,290,286	1,938,490	1,763,983	1,532,483	1,451,514
Allowance for Loan Losses	-	-54,145	-57,517	-57,767	-53,764	-46,758
Other Adjustments to Gross Loans	-	-12,295	-8,801	-7,189	-6,158	-5,013
Net Loans	2,415,388	2,223,846	1,872,172	1,699,027	1,472,561	1,399,743
Property, Plant & Equipment	23,224	21,209	19,751	19,355	17,525	18,832
Goodwill	9,518	9,518	-	-	-	-
Other Intangible Assets	-	9,206	854	2,316	1,989	2,530
Investments in Real Estate	-	62	69	73	165	150
Accrued Interest Receivable	-	18,115	12,943	11,189	7,819	8,976
Other Receivables	198,097	4,663	3,453	6,972	3,643	3,393
Restricted Cash	-	156,122	186,356	-	175,759	154,696
Other Current Assets	-	4,388	3,247	2,761	2,404	2,076
Long-Term Deferred Tax Assets	18,452	18,201	18,185	16,752	15,819	17,525
Other Real Estate Owned & Foreclosed	11,232	8,411	4,743	3,760	3,282	2,971
Other Long-Term Assets	45,921	31,585	31,167	23,476	28,843	27,102
Total Assets	3,472,822	3,318,813	2,888,372	2,603,961	2,421,915	2,233,443
Accounts Payable	-	10,039	9,565	5,836	7,331	7,766
Interest Bearing Deposits	2,677,386	2,614,802	2,295,106	2,096,001	1,955,147	1,716,177
Total Deposits	2,677,386	2,614,802	2,295,106	2,096,001	1,955,147	1,716,177
Short-Term Borrowings	7,474	8,111	4,702	7,184	4,585	7,148
Current Portion of Long-Term Debt	-	70,025	69,861	51,715	48,261	57,955
Current Portion of Leases	-	2,964	2,577	3,417	2,486	1,772
Current Income Taxes Payable	20,914	17,327	14,973	10,587	8,413	8,902
Other Current Liabilities	11,633	30,109	28,502	29,005	20,394	21,448
Long-Term Debt	212,097	93,157	67,243	45,788	46,778	93,992
Long-Term Leases	-	6,860	7,179	6,678	4,840	6,039
Other Long-Term Liabilities	66,254	32,729	29,294	27,946	28,524	30,287
Total Liabilities	2,995,757	2,886,123	2,529,002	2,284,157	2,126,759	1,951,486
Common Stock	52,735	52,610	49,307	49,193	45,131	45,045
Additional Paid-In Capital	143,587	143,278	113,414	104,123	74,934	74,764
Retained Earnings	271,735	236,839	205,474	211,555	181,524	165,742
Treasury Stock	-	-	-	-33,043	-	-
Comprehensive Income & Other	6,696	-2,258	-10,991	-14,106	-8,529	-5,716
Total Common Equity	474,752	430,469	357,204	317,722	293,060	279,835
Minority Interest	2,313	2,221	2,166	2,082	2,096	2,122
Shareholders' Equity	477,065	432,690	359,370	319,804	295,156	281,957
Total Liabilities & Equity	3,472,822	3,318,813	2,888,372	2,603,961	2,421,915	2,233,443
Total Debt	219,570	181,117	151,562	114,782	106,950	166,906
Net Cash (Debt)	-77,794	10,156	-25,782	180,471	104,578	46,194
Net Cash Growth	-	-	-	72.57%	126.39%	-
Net Cash Per Share	-14.75	1.93	-5.44	36.70	21.27	9.39
Filing Date Shares Outstanding	5,284	5,272	4,945	4,918	4,918	4,918
Total Common Shares Outstanding	5,284	5,272	4,945	4,918	4,918	4,918
Book Value Per Share	89.85	81.65	72.23	64.61	59.59	56.90
Tangible Book Value	465,235	411,745	356,350	315,406	291,071	277,305
Tangible Book Value Per Share	88.05	78.10	72.06	64.14	59.19	56.39

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