PSE:UBP 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	66,511	96,021	88,790	112,032	137,553	138,630
Investment Securities	357,548	248,372	228,793	220,135	231,144	180,148
Trading Asset Securities	19,282	9,154	5,235	8,172	5,430	15,695
Total Investments	376,830	257,526	234,027	228,307	236,575	195,843
Gross Loans	521,663	515,428	511,776	463,153	325,681	314,443
Allowance for Loan Losses	-	-22,871	-19,166	-14,039	-13,435	-10,474
Other Adjustments to Gross Loans	-	-2,572	-2,742	-2,236	-1,417	-1,529
Net Loans	521,663	489,986	489,868	446,879	310,829	302,440
Property, Plant & Equipment	11,058	11,001	10,193	8,707	6,143	6,249
Goodwill	53,993	53,993	53,993	53,993	14,819	15,349
Other Intangible Assets	-	24,979	22,684	-	6,325	4,851
Investments in Real Estate	10,193	9,790	8,592	8,259	8,673	8,922
Accrued Interest Receivable	-	11,988	11,061	9,970	6,341	6,912
Other Receivables	-	9,530	14,272	11,161	8,316	6,162
Restricted Cash	58,395	32,038	56,967	62,264	46,511	42,730
Other Current Assets	-	15,253	15,042	11,617	14,842	10,234
Long-Term Deferred Tax Assets	-	10,481	9,680	-	6,980	7,358
Other Long-Term Assets	45,913	121,087	128,745	139,699	26,809	28,561
Total Assets	1,144,555	1,145,441	1,145,143	1,092,886	831,095	774,459
Accounts Payable	-	14,651	14,716	15,399	5,799	5,028
Accrued Expenses	-	-	-	7,872	4,263	3,809
Interest Bearing Deposits	708,098	676,323	712,568	711,304	570,501	527,785
Total Deposits	708,098	676,323	712,568	711,304	570,501	527,785
Short-Term Borrowings	134,547	165,345	156,214	134,394	51,918	54,971
Current Portion of Long-Term Debt	-	-	-	8,097	31,280	-
Current Income Taxes Payable	-	-	-	1,045	613.12	711
Accrued Interest Payable	-	-	-	1,802	787.45	757.58
Other Current Liabilities	-	24,343	24,934	11,581	8,021	10,481
Long-Term Debt	57,552	57,566	50,494	43,547	38,574	59,854
Long-Term Leases	-	1,626	1,551	1,425	1,383	1,220
Long-Term Unearned Revenue	-	442.69	590.26	715.71	733.33	733.33
Pension & Post-Retirement Benefits	-	1,336	1,572	999.01	1,026	1,182
Other Long-Term Liabilities	44,777	7,742	6,879	6,493	3,982	2,777
Total Liabilities	944,975	949,373	969,518	944,672	718,882	669,307
Common Stock	33,164	33,164	23,538	21,421	12,194	12,185
Additional Paid-In Capital	64,368	64,368	57,769	47,950	14,215	14,215
Retained Earnings	103,895	100,799	91,262	93,252	84,921	79,741
Treasury Stock	-	-	-2.1	-	-	-
Comprehensive Income & Other	-2,640	-3,123	2,424	-15,254	106.32	-1,779
Total Common Equity	198,787	195,208	174,991	147,369	111,436	104,362
Minority Interest	793.27	859.99	634.26	844.71	777.3	790.69
Shareholders' Equity	199,581	196,068	175,625	148,214	112,213	105,152
Total Liabilities & Equity	1,144,555	1,145,441	1,145,143	1,092,886	831,095	774,459
Total Debt	192,099	224,536	208,259	187,462	123,155	116,044
Net Cash (Debt)	-106,306	-119,360	-114,234	-67,258	43,249	55,026
Net Cash Growth	-	-	-	-	-21.40%	-
Net Cash Per Share	-32.05	-37.53	-38.48	-26.41	20.03	28.44
Filing Date Shares Outstanding	3,316	3,316	2,989	2,989	1,937	1,936
Total Common Shares Outstanding	3,316	3,316	2,989	2,720	1,936	1,934
Book Value Per Share	59.94	58.86	58.54	54.17	57.57	53.95
Tangible Book Value	144,795	116,236	98,315	93,377	90,292	84,162
Tangible Book Value Per Share	43.66	35.05	32.89	34.32	46.64	43.51

Source: S&P Global Market Intelligence. Banks template. Financial Sources.