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 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	91,270	95,932	71,184	90,389	78,011	164,957
Investment Securities	368,392	399,069	428,719	355,152	330,390	270,139
Trading Asset Securities	27,721	34,653	17,921	10,517	7,347	11,168
Total Investments	396,113	433,722	446,640	365,669	337,738	281,306
Gross Loans	768,259	749,226	652,705	628,935	602,468	616,770
Allowance for Loan Losses	-36,881	-37,156	-42,208	-37,553	-34,738	-35,812
Other Adjustments to Gross Loans	-786.53	-910	-845.86	-681.4	-756.05	-1,118
Net Loans	730,592	711,160	609,650	590,701	566,975	579,840
Property, Plant & Equipment	9,944	10,093	10,196	10,754	11,974	13,472
Goodwill	10,185	10,185	10,185	10,185	11,221	11,221
Other Intangible Assets	1,474	909.36	1,085	1,302	1,864	2,429
Investments in Real Estate	18,077	17,439	16,485	15,099	14,524	11,375
Accrued Interest Receivable	9,615	10,055	8,783	8,179	6,911	6,054
Other Receivables	6,298	6,256	6,033	4,316	8,117	7,421
Restricted Cash	27,912	45,440	44,628	78,373	74,701	81,273
Other Current Assets	13,750	17,651	17,265	19,912	18,866	16,821
Long-Term Deferred Tax Assets	7,292	7,408	7,461	6,982	6,617	6,406
Other Real Estate Owned & Foreclosed	100.93	108.98	75.43	304.82	210.42	226.29
Other Long-Term Assets	1,918	2,928	3,971	6,320	5,951	6,917
Total Assets	1,329,920	1,374,834	1,257,611	1,210,549	1,145,157	1,190,785
Accounts Payable	4,120	4,502	3,714	2,989	5,036	4,725
Accrued Expenses	8,122	6,877	6,550	7,830	7,548	6,663
Interest Bearing Deposits	979,938	1,061,203	971,672	900,871	843,428	866,324
Non-Interest Bearing Deposits	28,500	-	-	27,100	27,800	28,600
Total Deposits	1,008,438	1,061,203	971,672	927,971	871,228	894,924
Short-Term Borrowings	5,264	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	180.05	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	13,137	12,352	12,215	14,265	10,907	11,330
Long-Term Debt	42,882	35,874	31,457	10,608	49,425	99,227
Long-Term Leases	3,337	2,407	2,812	3,018	2,927	1,067
Long-Term Unearned Revenue	994.25	947.97	920.62	1,068	1,147	1,122
Pension & Post-Retirement Benefits	-19.94	106.52	112.55	488.56	967.97	1,370
Long-Term Deferred Tax Liabilities	168.53	168.17	167.52	166.09	165.72	165.23
Other Long-Term Liabilities	4,783	5,067	5,097	4,784	5,189	4,407
Total Liabilities	1,091,406	1,134,554	1,040,982	1,019,401	975,251	1,029,562
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	141,079	139,776	118,631	96,657	78,678	67,146
Comprehensive Income & Other	242.23	3,431	1,069	-2,164	-5,469	-2,289
Total Common Equity	234,468	236,354	212,847	187,640	166,356	158,004
Minority Interest	4,046	3,926	3,782	3,509	3,549	3,219
Shareholders' Equity	238,514	240,280	216,629	191,149	169,906	161,223
Total Liabilities & Equity	1,329,920	1,374,834	1,257,611	1,210,549	1,145,157	1,190,785
Total Debt	51,483	40,828	38,228	57,232	71,094	104,039
Net Cash (Debt)	136,155	162,660	154,356	113,368	78,787	87,882
Net Cash Growth	-1.41%	5.38%	36.16%	43.89%	-10.35%	-7.78%
Net Cash Per Share	89.24	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	153.67	154.91	139.50	122.98	109.03	103.56
Tangible Book Value	222,809	225,260	201,577	176,153	153,271	144,353
Tangible Book Value Per Share	146.03	147.64	132.12	115.45	100.46	94.61