PSE:BPI Balance Sheet

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	-	143,965	102,126	273,120	190,194
Investment Securities	-	622,214	609,652	523,027	480,578
Trading Asset Securities	-	47,308	23,654	22,133	21,334
Total Investments	-	669,522	633,306	545,160	501,912
Gross Loans	-	2,290,286	1,938,490	1,763,983	1,532,483
Allowance for Loan Losses	-	-54,145	-57,517	-57,767	-53,764
Other Adjustments to Gross Loans	-	-12,295	-8,801	-7,189	-6,158
Net Loans	-	2,223,846	1,872,172	1,699,027	1,472,561
Property, Plant & Equipment	-	21,209	19,751	19,355	17,525
Goodwill	-	9,518	-	-	-
Other Intangible Assets	-	9,206	854	2,316	1,989
Investments in Real Estate	-	62	69	73	165
Accrued Interest Receivable	-	18,115	12,943	11,189	7,819
Other Receivables	-	4,663	3,453	6,972	3,643
Restricted Cash	-	156,122	186,356	-	175,759
Other Current Assets	-	4,388	3,247	2,761	2,404
Long-Term Deferred Tax Assets	-	18,201	18,185	16,752	15,819
Other Real Estate Owned & Foreclosed	-	8,411	4,743	3,760	3,282
Other Long-Term Assets	-	31,585	31,167	23,476	28,843
Total Assets	-	3,318,813	2,888,372	2,603,961	2,421,915
Accounts Payable	-	10,039	9,565	5,836	7,331
Interest Bearing Deposits	-	2,614,802	2,295,106	2,096,001	1,955,147
Total Deposits	-	2,614,802	2,295,106	2,096,001	1,955,147
Short-Term Borrowings	-	8,111	4,702	7,184	4,585
Current Portion of Long-Term Debt	-	70,025	69,861	51,715	48,261
Current Portion of Leases	-	2,964	2,577	3,417	2,486
Current Income Taxes Payable	-	17,327	14,973	10,587	8,413
Other Current Liabilities	-	30,109	28,502	29,005	20,394
Long-Term Debt	-	93,157	67,243	45,788	46,778
Long-Term Leases	-	6,860	7,179	6,678	4,840
Other Long-Term Liabilities	-	32,729	29,294	27,946	28,524
Total Liabilities	-	2,886,123	2,529,002	2,284,157	2,126,759
Common Stock	-	52,610	49,307	49,193	45,131
Additional Paid-In Capital	-	143,278	113,414	104,123	74,934
Retained Earnings	-	236,839	205,474	211,555	181,524
Treasury Stock	-	-	-	-33,043	-
Comprehensive Income & Other	-	-2,258	-10,991	-14,106	-8,529
Total Common Equity	474,752	430,469	357,204	317,722	293,060
Minority Interest	-	2,221	2,166	2,082	2,096
Shareholders' Equity	477,065	432,690	359,370	319,804	295,156
Total Liabilities & Equity	-	3,318,813	2,888,372	2,603,961	2,421,915
Total Debt	219,570	181,117	151,562	114,782	106,950
Net Cash (Debt)	-77,794	10,156	-25,782	180,471	104,578
Net Cash Growth	-	-	-	72.57%	126.39%
Net Cash Per Share	-14.74	1.93	-5.44	36.70	21.27
Filing Date Shares Outstanding	5,264	5,272	4,945	4,918	4,918
Total Common Shares Outstanding	5,284	5,272	4,945	4,918	4,918
Book Value Per Share	89.85	81.65	72.23	64.61	59.59
Tangible Book Value	465,235	411,745	356,350	315,406	291,071
Tangible Book Value Per Share	88.05	78.10	72.06	64.14	59.19

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.