Philippine National Bank (PSE:PNB)
Philippines · Delayed Price · Currency is PHP 80.00
+2.65 (3.43%)
At close: Oct 27, 2026
Philippine National Bank 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 | Sep '26 Sep 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 | 77,424 | 95,932 | 71,184 | 90,389 | 78,011 | 164,957 |
Investment Securities | 49,886 | 399,069 | 428,719 | 355,152 | 330,390 | 270,139 |
Trading Asset Securities | 337,869 | 34,653 | 17,921 | 10,517 | 7,347 | 11,168 |
Total Investments | 387,755 | 433,722 | 446,640 | 365,669 | 337,738 | 281,306 |
Gross Loans | 832,620 | 749,226 | 652,705 | 628,935 | 602,468 | 616,770 |
Allowance for Loan Losses | - | -37,156 | -42,208 | -37,553 | -34,738 | -35,812 |
Other Adjustments to Gross Loans | - | -910 | -845.86 | -681.4 | -756.05 | -1,118 |
Net Loans | 832,620 | 711,160 | 609,650 | 590,701 | 566,975 | 579,840 |
Property, Plant & Equipment | 10,328 | 10,093 | 10,196 | 10,754 | 11,974 | 13,472 |
Goodwill | - | 10,185 | 10,185 | 10,185 | 11,221 | 11,221 |
Other Intangible Assets | - | 909.36 | 1,085 | 1,302 | 1,864 | 2,429 |
Investments in Real Estate | 17,725 | 17,439 | 16,485 | 15,099 | 14,524 | 11,375 |
Accrued Interest Receivable | - | 10,055 | 8,783 | 8,179 | 6,911 | 6,054 |
Other Receivables | - | 6,256 | 6,033 | 4,316 | 8,117 | 7,421 |
Restricted Cash | - | 45,440 | 44,628 | 78,373 | 74,701 | 81,273 |
Other Current Assets | - | 17,651 | 17,265 | 19,912 | 18,866 | 16,821 |
Long-Term Deferred Tax Assets | - | 7,408 | 7,461 | 6,982 | 6,617 | 6,406 |
Other Real Estate Owned & Foreclosed | - | 108.98 | 75.43 | 304.82 | 210.42 | 226.29 |
Other Long-Term Assets | 35,402 | 2,928 | 3,971 | 6,320 | 5,951 | 6,917 |
Total Assets | 1,361,254 | 1,374,834 | 1,257,611 | 1,210,549 | 1,145,157 | 1,190,785 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 | - | 4,502 | 3,714 | 2,989 | 5,036 | 4,725 |
Accrued Expenses | - | 6,877 | 6,550 | 7,830 | 7,548 | 6,663 |
Interest Bearing Deposits | 1,030,959 | 1,061,203 | 971,672 | 900,871 | 843,428 | 866,324 |
Non-Interest Bearing Deposits | - | - | - | 27,100 | 27,800 | 28,600 |
Total Deposits | 1,030,959 | 1,061,203 | 971,672 | 927,971 | 871,228 | 894,924 |
Short-Term Borrowings | - | 1,582 | 2,962 | 1,300 | 1,317 | 1,046 |
Current Portion of Long-Term Debt | - | - | - | 41,491 | 16,717 | - |
Current Portion of Leases | - | 965.17 | 997.13 | 815.28 | 709.21 | 2,698 |
Current Income Taxes Payable | - | 156.3 | 159.23 | 180.36 | 983.05 | 157.74 |
Accrued Interest Payable | - | 2,344 | 2,146 | 2,428 | 986.04 | 659.03 |
Other Current Liabilities | - | 12,352 | 12,215 | 14,265 | 10,907 | 11,330 |
Long-Term Debt | 43,855 | 35,874 | 31,457 | 10,608 | 49,425 | 99,227 |
Long-Term Leases | - | 2,407 | 2,812 | 3,018 | 2,927 | 1,067 |
Long-Term Unearned Revenue | - | 947.97 | 920.62 | 1,068 | 1,147 | 1,122 |
Pension & Post-Retirement Benefits | - | 106.52 | 112.55 | 488.56 | 967.97 | 1,370 |
Long-Term Deferred Tax Liabilities | - | 168.17 | 167.52 | 166.09 | 165.72 | 165.23 |
Other Long-Term Liabilities | 34,814 | 5,067 | 5,097 | 4,784 | 5,189 | 4,407 |
Total Liabilities | 1,109,627 | 1,134,554 | 1,040,982 | 1,019,401 | 975,251 | 1,029,562 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 | 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 | 154,233 | 139,776 | 118,631 | 96,657 | 78,678 | 67,146 |
Comprehensive Income & Other | 7 | 3,431 | 1,069 | -2,164 | -5,469 | -2,289 |
Total Common Equity | 247,387 | 236,354 | 212,847 | 187,640 | 166,356 | 158,004 |
Minority Interest | 4,240 | 3,926 | 3,782 | 3,509 | 3,549 | 3,219 |
Shareholders' Equity | 251,627 | 240,280 | 216,629 | 191,149 | 169,906 | 161,223 |
Total Liabilities & Equity | 1,361,254 | 1,374,834 | 1,257,611 | 1,210,549 | 1,145,157 | 1,190,785 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 | 43,855 | 40,828 | 38,228 | 57,232 | 71,094 | 104,039 |
Net Cash (Debt) | 421,324 | 162,660 | 154,356 | 113,368 | 78,787 | 87,882 |
Net Cash Growth | 312.00% | 5.38% | 36.16% | 43.89% | -10.35% | -7.78% |
Net Cash Per Share | 276.14 | 106.61 | 101.17 | 74.30 | 51.64 | 57.60 |
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 | 162.14 | 154.91 | 139.50 | 122.98 | 109.03 | 103.56 |
Tangible Book Value | 247,387 | 225,260 | 201,577 | 176,153 | 153,271 | 144,353 |
Tangible Book Value Per Share | 162.14 | 147.64 | 132.12 | 115.45 | 100.46 | 94.61 |