Philippine Bank of Communications (PSE:PBC)

PSE:PBC Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	3,400	1,884	2,504	2,528	2,899	5,036
Investment Securities	50,467	40,243	36,575	27,335	22,703	8,268
Trading Asset Securities	0.36	-	-	-	886.29	718.29
Total Investments	50,467	40,243	36,575	27,335	23,589	8,986
Gross Loans	103,093	101,622	91,952	80,064	68,197	62,348
Allowance for Loan Losses	-3,392	-3,206	-2,795	-2,864	-2,732	-2,490
Other Adjustments to Gross Loans	-57.99	-61	-62	-54.18	-44.76	-51.26
Net Loans	99,643	98,354	89,095	77,145	65,420	59,807
Property, Plant & Equipment	819.33	823.05	814.49	803.84	882.22	894.62
Other Intangible Assets	516.6	515.3	525.22	525.61	527.5	613.53
Investments in Real Estate	1,535	1,558	1,605	1,694	1,743	1,791
Accrued Interest Receivable	-	1,219	953.87	699.23	559.77	468.54
Other Receivables	1.08	1,690	1,366	1,022	1,710	1,477
Restricted Cash	5,667	7,297	12,205	11,336	10,271	20,598
Other Current Assets	361.2	566.34	323.39	230.44	265.86	-
Long-Term Deferred Tax Assets	516	486.22	404.32	390.57	325.61	170.61
Other Real Estate Owned & Foreclosed	2,109	2,130	975.76	962.11	834.3	610.08
Other Long-Term Assets	122.46	127.81	130.64	206.04	201.77	777.43
Total Assets	165,157	156,896	147,478	124,878	109,229	101,230
Accounts Payable	622.86	439.13	314.71	276.65	310.96	-
Accrued Expenses	770.45	772.91	765.59	671.21	621.55	-
Interest Bearing Deposits	122,983	110,584	116,700	99,444	86,946	83,781
Total Deposits	122,983	110,584	116,700	99,444	86,946	83,781
Short-Term Borrowings	-	5,317	8,531	4,993	5,203	-
Current Portion of Long-Term Debt	11,067	11,070	1,156	2,601	807.64	-
Current Portion of Leases	90.82	93.55	67.43	91.49	98.21	-
Current Income Taxes Payable	101.24	136.7	100.58	118.81	66.82	146.87
Accrued Interest Payable	583.22	625.4	761.83	193.19	59.19	802.79
Other Current Liabilities	1,260	660.99	1,099	567.66	493.43	685.91
Long-Term Debt	7,649	7,623	-	-	-	2,183
Long-Term Leases	108.33	122.03	121.81	122.71	154.29	-
Pension & Post-Retirement Benefits	-	42.86	21.71	-	-	-
Other Long-Term Liabilities	187.49	175.24	182.01	232.48	292.16	1,101
Total Liabilities	145,422	137,663	129,822	109,312	95,054	88,701
Common Stock	12,016	12,016	12,016	12,016	12,016	12,016
Additional Paid-In Capital	2,262	2,262	2,262	2,262	2,262	2,262
Retained Earnings	6,206	5,780	3,570	1,673	40.86	-1,532
Comprehensive Income & Other	-749.5	-825.73	-192.74	-384.88	-143.42	-216.49
Total Common Equity	19,735	19,233	17,656	15,566	14,176	12,530
Shareholders' Equity	19,735	19,233	17,656	15,566	14,176	12,530
Total Liabilities & Equity	165,157	156,896	147,478	124,878	109,229	101,230
Total Debt	18,915	24,225	9,876	7,808	6,263	2,183
Net Cash (Debt)	-15,514	-22,341	-7,372	-5,280	-2,478	3,572
Net Cash Per Share	-32.28	-46.48	-15.34	-10.99	-5.16	7.43
Filing Date Shares Outstanding	480.65	480.65	480.65	480.65	480.65	480.65
Total Common Shares Outstanding	480.65	480.65	480.65	480.65	480.65	480.65
Book Value Per Share	41.06	40.02	36.73	32.39	29.49	26.07
Tangible Book Value	19,218	18,718	17,131	15,040	13,648	11,916
Tangible Book Value Per Share	39.98	38.94	35.64	31.29	28.40	24.79

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