PSE:BPI 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	40,323	211,850	300,087	102,126	273,120	190,194
Investment Securities	666,953	651,559	622,214	609,652	523,027	480,578
Trading Asset Securities	82,327	85,274	47,308	23,654	22,133	21,334
Total Investments	749,280	736,833	669,522	633,306	545,160	501,912
Gross Loans	2,605,240	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	2,605,240	2,569,768	2,223,846	1,872,172	1,699,027	1,472,561
Property, Plant & Equipment	25,359	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	192,768	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	18,743	19,166	18,201	18,185	16,752	15,819
Other Real Estate Owned & Foreclosed	13,152	12,417	8,411	4,743	3,760	3,282
Other Long-Term Assets	50,459	27,160	30,472	31,167	23,476	28,843
Total Assets	3,704,842	3,651,488	3,318,813	2,888,372	2,603,961	2,421,915
Accounts Payable	-	14,465	10,039	9,565	5,836	7,331
Interest Bearing Deposits	2,843,606	2,838,525	2,614,802	2,295,106	2,096,001	1,955,147
Total Deposits	2,843,606	2,838,525	2,614,802	2,295,106	2,096,001	1,955,147
Short-Term Borrowings	11,196	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	20,681	20,680	17,327	14,973	10,587	8,413
Other Current Liabilities	10,062	23,207	30,109	28,502	29,005	20,394
Long-Term Debt	270,416	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	67,077	35,470	32,729	29,294	27,946	28,524
Total Liabilities	3,223,038	3,172,618	2,886,123	2,529,002	2,284,157	2,126,759
Common Stock	52,760	52,747	52,610	49,307	49,193	45,131
Additional Paid-In Capital	143,867	143,810	143,278	113,414	104,123	74,934
Retained Earnings	290,996	274,578	236,839	205,474	211,555	181,524
Treasury Stock	-	-	-	-	-33,043	-
Comprehensive Income & Other	-8,167	5,418	-2,258	-10,991	-14,106	-8,529
Total Common Equity	479,457	476,553	430,469	357,204	317,722	293,060
Minority Interest	2,347	2,317	2,221	2,166	2,082	2,096
Shareholders' Equity	481,804	478,870	432,690	359,370	319,804	295,156
Total Liabilities & Equity	3,704,842	3,651,488	3,318,813	2,888,372	2,603,961	2,421,915
Total Debt	281,612	240,271	181,117	151,562	114,782	106,950
Net Cash (Debt)	-158,963	56,853	166,278	-25,782	180,471	104,578
Net Cash Growth	-	-65.81%	-	-	72.57%	126.39%
Net Cash Per Share	-30.07	10.77	31.58	-5.44	36.70	21.27
Filing Date Shares Outstanding	5,284	5,284	5,272	4,945	4,918	4,918
Total Common Shares Outstanding	5,284	5,284	5,272	4,945	4,918	4,918
Book Value Per Share	90.74	90.19	81.65	72.23	64.61	59.59
Tangible Book Value	469,939	459,027	411,745	356,350	315,406	291,071
Tangible Book Value Per Share	88.94	86.87	78.10	72.06	64.14	59.19