Union Bank of the Philippines (PSE:UBP)
Philippines
· Delayed Price · Currency is PHP 32.65
-0.35 (-1.06%)
At close: Apr 16, 2025, 2:45 PM PST
PSE:UBP Income Statement
Financials in millions PHP. Fiscal year is January - December.
Millions PHP. Fiscal year is Jan - Dec.
Fiscal Year | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|
Period Ending | 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 | 2015 - 2019 |
| Interest Income on Loans | 64,511 | 60,587 | 36,831 | 27,696 | 28,947 | Upgrade
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| Interest Income on Investments | 19,229 | 17,975 | 13,694 | 8,631 | 9,631 | Upgrade
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| Total Interest Income | 83,740 | 78,562 | 50,525 | 36,328 | 38,578 | Upgrade
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| Interest Paid on Deposits | 12,493 | 15,788 | 6,022 | 2,968 | 5,617 | Upgrade
|
| Interest Paid on Borrowings | 13,218 | 10,798 | 5,602 | 3,545 | 4,231 | Upgrade
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| Total Interest Expense | 25,712 | 26,586 | 11,623 | 6,512 | 9,847 | Upgrade
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| Net Interest Income | 58,028 | 51,976 | 38,901 | 29,815 | 28,730 | Upgrade
|
| Net Interest Income Growth (YoY) | 11.64% | 33.61% | 30.48% | 3.78% | 28.63% | Upgrade
|
| Income From Trading Activities | 1,536 | 918.65 | -181.4 | 217.94 | 3,830 | Upgrade
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| Gain (Loss) on Sale of Assets | 1,203 | 751.94 | 466.39 | -25.58 | 220.51 | Upgrade
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| Gain (Loss) on Sale of Investments | - | - | 100.22 | 8,615 | 5,112 | Upgrade
|
| Other Non-Interest Income | 18,782 | 17,132 | 12,914 | 6,493 | 4,180 | Upgrade
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| Total Non-Interest Income | 21,521 | 18,802 | 13,299 | 15,301 | 13,342 | Upgrade
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| Non-Interest Income Growth (YoY) | 14.46% | 41.38% | -13.08% | 14.68% | -6.99% | Upgrade
|
| Revenues Before Loan Losses | 79,549 | 70,778 | 52,200 | 45,116 | 42,072 | Upgrade
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| Provision for Loan Losses | 19,599 | 14,041 | 4,068 | 5,811 | 8,382 | Upgrade
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| Revenue | 59,951 | 56,737 | 48,132 | 39,304 | 33,690 | Upgrade
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| Revenue Growth (YoY) | 5.66% | 17.88% | 22.46% | 16.66% | -3.25% | Upgrade
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| Salaries and Employee Benefits | 14,120 | 13,558 | 10,003 | 8,647 | 7,809 | Upgrade
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| Occupancy Expenses | 2,842 | 2,666 | 1,860 | 1,624 | 1,407 | Upgrade
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| Selling, General & Administrative | 6,058 | 6,271 | 3,452 | 2,099 | 1,731 | Upgrade
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| Other Non-Interest Expense | 20,620 | 21,172 | 15,474 | 11,029 | 9,832 | Upgrade
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| Total Non-Interest Expense | 43,640 | 43,668 | 30,790 | 23,398 | 20,779 | Upgrade
|
| EBT Excluding Unusual Items | 16,311 | 13,069 | 17,342 | 15,906 | 12,912 | Upgrade
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| Asset Writedown | -308.71 | -916.62 | -374.54 | -318.64 | -181.41 | Upgrade
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| Legal Settlements | -319.27 | -303.58 | -183.73 | -73.38 | -189.84 | Upgrade
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| Other Unusual Items | - | - | - | - | 25.29 | Upgrade
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| Pretax Income | 15,683 | 11,849 | 16,784 | 14,985 | 12,342 | Upgrade
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| Income Tax Expense | 3,653 | 2,644 | 4,039 | 2,407 | 781.38 | Upgrade
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| Earnings From Continuing Operations | 12,030 | 9,205 | 12,745 | 12,578 | 11,561 | Upgrade
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| Minority Interest in Earnings | -99.77 | -132.34 | -143.97 | -52.36 | -7.57 | Upgrade
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| Net Income | 11,930 | 9,072 | 12,601 | 12,525 | 11,553 | Upgrade
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| Net Income to Common | 11,930 | 9,072 | 12,601 | 12,525 | 11,553 | Upgrade
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| Net Income Growth | 31.50% | -28.00% | 0.60% | 8.41% | -17.63% | Upgrade
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| Basic Shares Outstanding | 3,180 | 2,968 | 2,547 | 2,160 | 1,935 | Upgrade
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| Diluted Shares Outstanding | 3,180 | 2,968 | 2,547 | 2,160 | 1,935 | Upgrade
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| Shares Change (YoY) | 7.13% | 16.55% | 17.93% | 11.64% | 0.05% | Upgrade
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| EPS (Basic) | 3.75 | 3.06 | 4.95 | 5.80 | 5.97 | Upgrade
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| EPS (Diluted) | 3.75 | 3.06 | 4.95 | 5.80 | 5.97 | Upgrade
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| EPS Growth | 22.75% | -38.23% | -14.70% | -2.89% | -17.67% | Upgrade
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| Dividend Per Share | 1.000 | 0.800 | 1.575 | 2.205 | 2.205 | Upgrade
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| Dividend Growth | 25.00% | -49.20% | -28.57% | - | - | Upgrade
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| Effective Tax Rate | 23.30% | 22.32% | 24.07% | 16.06% | 6.33% | Upgrade
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Source: S&P Global Market Intelligence. Banks template. Financial Sources.