PSE:BPI 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	44,358	211,850	300,087	102,126	273,120	190,194
Investment Securities	648,897	651,559	622,214	609,652	523,027	480,578
Trading Asset Securities	85,043	85,274	47,308	23,654	22,133	21,334
Total Investments	733,940	736,833	669,522	633,306	545,160	501,912
Gross Loans	2,635,777	2,644,885	2,290,286	1,938,490	1,763,983	1,532,483
Allowance for Loan Losses	-	-56,775	-54,145	-57,517	-57,767	-53,764
Other Adjustments to Gross Loans	-	-18,342	-12,295	-8,801	-7,189	-6,158
Net Loans	2,635,777	2,569,768	2,223,846	1,872,172	1,699,027	1,472,561
Property, Plant & Equipment	26,036	25,088	21,209	19,751	19,355	17,525
Goodwill	9,518	9,518	9,518	-	-	-
Other Intangible Assets	-	8,008	9,206	854	2,316	1,989
Investments in Real Estate	-	54	62	69	73	165
Accrued Interest Receivable	-	18,941	18,115	12,943	11,189	7,819
Other Receivables	185,299	8,145	5,776	3,453	6,972	3,643
Restricted Cash	-	-	-	186,356	-	175,759
Other Current Assets	-	4,540	4,388	3,247	2,761	2,404
Long-Term Deferred Tax Assets	20,318	19,166	18,201	18,185	16,752	15,819
Other Real Estate Owned & Foreclosed	13,558	12,417	8,411	4,743	3,760	3,282
Other Long-Term Assets	58,605	27,160	30,472	31,167	23,476	28,843
Total Assets	3,727,408	3,651,488	3,318,813	2,888,372	2,603,961	2,421,915

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	-	14,465	10,039	9,565	5,836	7,331
Interest Bearing Deposits	2,850,986	2,838,525	2,614,802	2,295,106	2,096,001	1,955,147
Total Deposits	2,850,986	2,838,525	2,614,802	2,295,106	2,096,001	1,955,147
Short-Term Borrowings	8,145	6,849	8,111	4,702	7,184	4,585
Current Portion of Long-Term Debt	-	127,721	70,025	69,861	51,715	48,261
Current Portion of Leases	-	3,090	2,964	2,577	3,417	2,486
Current Income Taxes Payable	21,189	20,680	17,327	14,973	10,587	8,413
Other Current Liabilities	8,834	23,207	30,109	28,502	29,005	20,394
Long-Term Debt	282,820	95,712	93,157	67,243	45,788	46,778
Long-Term Leases	-	6,899	6,860	7,179	6,678	4,840
Other Long-Term Liabilities	70,647	35,470	32,729	29,294	27,946	28,524
Total Liabilities	3,242,622	3,172,618	2,886,123	2,529,002	2,284,157	2,126,759

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
Common Stock	52,816	52,747	52,610	49,307	49,193	45,131
Additional Paid-In Capital	144,169	143,810	143,278	113,414	104,123	74,934
Retained Earnings	294,454	274,578	236,839	205,474	211,555	181,524
Treasury Stock	-	-	-	-	-33,043	-
Comprehensive Income & Other	-8,886	5,418	-2,258	-10,991	-14,106	-8,529
Total Common Equity	482,554	476,553	430,469	357,204	317,722	293,060
Minority Interest	2,233	2,317	2,221	2,166	2,082	2,096
Shareholders' Equity	484,787	478,870	432,690	359,370	319,804	295,156
Total Liabilities & Equity	3,727,408	3,651,488	3,318,813	2,888,372	2,603,961	2,421,915

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	290,966	240,271	181,117	151,562	114,782	106,950
Net Cash (Debt)	-161,565	56,853	166,278	-25,782	180,471	104,578
Net Cash Growth	-	-65.81%	-	-	72.57%	126.39%
Net Cash Per Share	-30.56	10.77	31.58	-5.44	36.70	21.27
Filing Date Shares Outstanding	5,296	5,284	5,272	4,945	4,918	4,918
Total Common Shares Outstanding	5,296	5,284	5,272	4,945	4,918	4,918
Book Value Per Share	91.11	90.19	81.65	72.23	64.61	59.59
Tangible Book Value	473,036	459,027	411,745	356,350	315,406	291,071
Tangible Book Value Per Share	89.31	86.87	78.10	72.06	64.14	59.19