Philippine National Bank 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	53,632	71,184	90,389	78,011	164,957	205,909
Investment Securities	405,761	428,719	355,152	330,390	270,139	219,510
Trading Asset Securities	14,007	17,921	10,517	7,347	11,168	23,826
Total Investments	419,767	446,640	365,669	337,738	281,306	243,335
Gross Loans	690,188	652,705	628,935	602,468	616,770	605,587
Allowance for Loan Losses	-36,819	-38,147	-37,553	-34,738	-35,812	-29,128
Other Adjustments to Gross Loans	-888.76	-845.86	-681.4	-756.05	-1,118	-1,465
Net Loans	652,479	613,711	590,701	566,975	579,840	574,994
Property, Plant & Equipment	10,053	10,196	10,754	11,974	13,472	19,879
Goodwill	10,185	10,185	10,185	11,221	11,221	13,375
Other Intangible Assets	1,001	1,085	1,302	1,864	2,429	2,512
Investments in Real Estate	17,674	16,485	15,099	14,524	11,375	15,085
Accrued Interest Receivable	9,646	8,783	8,179	6,911	6,054	6,637
Other Receivables	6,216	1,972	4,316	8,117	7,421	7,974
Restricted Cash	40,095	44,628	78,373	74,701	81,273	80,029
Other Current Assets	14,864	17,265	19,912	18,866	16,821	21,149
Long-Term Deferred Tax Assets	6,843	7,461	6,982	6,617	6,406	9,037
Other Real Estate Owned & Foreclosed	118.85	75.43	304.82	210.42	226.29	114.46
Other Long-Term Assets	1,355	3,971	6,320	5,951	6,917	30,010
Total Assets	1,249,134	1,257,611	1,210,549	1,145,157	1,190,785	1,231,134
Accounts Payable	2,639	3,714	2,989	5,036	4,725	5,789
Accrued Expenses	8,581	6,550	7,830	7,548	6,663	5,385
Interest Bearing Deposits	921,312	944,872	900,871	843,428	866,324	860,288
Non-Interest Bearing Deposits	28,200	26,800	27,100	27,800	28,600	30,000
Total Deposits	949,512	971,672	927,971	871,228	894,924	890,288
Short-Term Borrowings	2,432	2,962	1,300	1,317	1,046	1,238
Current Portion of Long-Term Debt	-	-	41,491	16,717	-	13,853
Current Portion of Leases	-	997.13	815.28	709.21	2,698	552.62
Current Income Taxes Payable	296.22	159.23	180.36	983.05	157.74	903.04
Accrued Interest Payable	-	2,146	2,428	986.04	659.03	908.44
Other Current Liabilities	13,602	12,215	14,265	10,907	11,330	14,993
Long-Term Debt	28,288	31,457	10,608	49,425	99,227	133,802
Long-Term Leases	3,425	2,812	3,018	2,927	1,067	813.4
Long-Term Unearned Revenue	902.61	920.62	1,068	1,147	1,122	1,137
Pension & Post-Retirement Benefits	59.67	112.55	488.56	967.97	1,370	1,369
Long-Term Deferred Tax Liabilities	168.24	167.52	166.09	165.72	165.23	161.15
Other Long-Term Liabilities	5,240	5,097	4,784	5,189	4,407	3,957
Total Liabilities	1,015,146	1,040,982	1,019,401	975,251	1,029,562	1,075,151
Common Stock	61,031	61,031	61,031	61,031	61,031	61,031
Additional Paid-In Capital	32,117	32,117	32,117	32,117	32,117	32,117
Retained Earnings	132,938	118,631	96,657	78,678	67,146	59,530
Comprehensive Income & Other	4,008	1,069	-2,164	-5,469	-2,289	104.42
Total Common Equity	230,094	212,847	187,640	166,356	158,004	152,782
Minority Interest	3,894	3,782	3,509	3,549	3,219	3,201
Shareholders' Equity	233,988	216,629	191,149	169,906	161,223	155,983
Total Liabilities & Equity	1,249,134	1,257,611	1,210,549	1,145,157	1,190,785	1,231,134
Total Debt	34,144	38,228	57,232	71,094	104,039	150,259
Net Cash (Debt)	102,263	154,356	113,368	78,787	87,882	95,294
Net Cash Growth	-30.73%	36.16%	43.89%	-10.35%	-7.78%	-
Net Cash Per Share	67.02	101.17	74.30	51.64	57.60	62.46
Filing Date Shares Outstanding	1,526	1,526	1,526	1,526	1,526	1,526
Total Common Shares Outstanding	1,526	1,526	1,526	1,526	1,526	1,526
Book Value Per Share	150.81	139.50	122.98	109.03	103.56	100.13
Tangible Book Value	218,908	201,577	176,153	153,271	144,353	136,894
Tangible Book Value Per Share	143.47	132.12	115.45	100.46	94.61	89.72

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