Philippine National Bank (PSE:PNB)

Philippine National Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	60,595	95,932	71,184	90,389	78,011	164,957
Investment Securities	400,827	399,069	428,719	355,152	330,390	270,139
Trading Asset Securities	15,493	34,653	17,921	10,517	7,347	11,168
Total Investments	416,320	433,722	446,640	365,669	337,738	281,306
Gross Loans	752,183	749,226	652,705	628,935	602,468	616,770
Allowance for Loan Losses	-31,895	-37,156	-42,208	-37,553	-34,738	-35,812
Other Adjustments to Gross Loans	-763.86	-910	-845.86	-681.4	-756.05	-1,118
Net Loans	719,524	711,160	609,650	590,701	566,975	579,840
Property, Plant & Equipment	10,017	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	1,214	909.36	1,085	1,302	1,864	2,429
Investments in Real Estate	17,796	17,439	16,485	15,099	14,524	11,375
Accrued Interest Receivable	9,708	10,055	8,783	8,179	6,911	6,054
Other Receivables	7,354	6,256	6,033	4,316	8,117	7,421
Restricted Cash	66,396	45,440	44,628	78,373	74,701	81,273
Other Current Assets	17,034	17,651	17,265	19,912	18,866	16,821
Long-Term Deferred Tax Assets	6,290	7,408	7,461	6,982	6,617	6,406
Other Real Estate Owned & Foreclosed	121.51	108.98	75.43	304.82	210.42	226.29
Other Long-Term Assets	2,150	2,928	3,971	6,320	5,951	6,917
Total Assets	1,350,064	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	4,369	4,502	3,714	2,989	5,036	4,725
Accrued Expenses	8,070	6,877	6,550	7,830	7,548	6,663
Interest Bearing Deposits	1,002,035	1,061,203	971,672	900,871	843,428	866,324
Non-Interest Bearing Deposits	29,600	-	-	27,100	27,800	28,600
Total Deposits	1,031,635	1,061,203	971,672	927,971	871,228	894,924
Short-Term Borrowings	1,527	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	171.46	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	12,207	12,352	12,215	14,265	10,907	11,330
Long-Term Debt	37,532	35,874	31,457	10,608	49,425	99,227
Long-Term Leases	3,340	2,407	2,812	3,018	2,927	1,067
Long-Term Unearned Revenue	988.91	947.97	920.62	1,068	1,147	1,122
Pension & Post-Retirement Benefits	28.91	106.52	112.55	488.56	967.97	1,370
Long-Term Deferred Tax Liabilities	168.75	168.17	167.52	166.09	165.72	165.23
Other Long-Term Liabilities	5,107	5,067	5,097	4,784	5,189	4,407
Total Liabilities	1,105,146	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	147,611	139,776	118,631	96,657	78,678	67,146
Comprehensive Income & Other	30.35	3,431	1,069	-2,164	-5,469	-2,289
Total Common Equity	240,788	236,354	212,847	187,640	166,356	158,004
Minority Interest	4,130	3,926	3,782	3,509	3,549	3,219
Shareholders' Equity	244,918	240,280	216,629	191,149	169,906	161,223
Total Liabilities & Equity	1,350,064	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	42,400	40,828	38,228	57,232	71,094	104,039
Net Cash (Debt)	118,514	162,660	154,356	113,368	78,787	87,882
Net Cash Growth	-9.34%	5.38%	36.16%	43.89%	-10.35%	-7.78%
Net Cash Per Share	77.68	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	157.81	154.91	139.50	122.98	109.03	103.56
Tangible Book Value	229,390	225,260	201,577	176,153	153,271	144,353
Tangible Book Value Per Share	150.34	147.64	132.12	115.45	100.46	94.61

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 27, 2026

Data Sources Report a data error