PSE:UBP 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	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	54,455	97,136	96,021	88,790	112,032	137,553
Investment Securities	359,032	254,209	248,372	228,793	220,135	231,144
Trading Asset Securities	24,178	23,489	9,154	5,235	8,172	5,430
Total Investments	383,209	277,699	257,526	234,027	228,307	236,575
Gross Loans	553,568	538,557	515,428	511,776	463,153	325,681
Allowance for Loan Losses	-	-27,289	-22,871	-19,166	-14,039	-13,435
Other Adjustments to Gross Loans	-	-2,347	-2,572	-2,742	-2,236	-1,417
Net Loans	553,568	508,922	489,986	489,868	446,879	310,829
Property, Plant & Equipment	11,368	11,629	11,001	10,193	8,707	6,143
Goodwill	53,993	53,993	53,993	53,993	53,993	14,819
Other Intangible Assets	-	24,065	25,453	22,684	-	6,325
Investments in Real Estate	10,067	10,093	9,790	8,592	8,259	8,673
Accrued Interest Receivable	-	10,386	11,988	11,061	9,970	6,341
Other Receivables	-	9,260	9,530	14,272	11,161	8,316
Restricted Cash	66,631	31,569	32,038	56,967	62,264	46,511
Other Current Assets	-	12,463	15,253	15,042	11,617	14,842
Long-Term Deferred Tax Assets	-	11,542	10,481	9,680	-	6,980
Other Long-Term Assets	44,334	98,356	119,996	128,745	139,699	26,809
Total Assets	1,177,626	1,159,465	1,145,441	1,145,143	1,092,886	831,095

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
Accounts Payable	-	11,473	14,651	14,716	15,399	5,799
Accrued Expenses	-	7,422	7,858	-	7,872	4,263
Interest Bearing Deposits	751,718	734,034	676,323	712,568	711,304	570,501
Total Deposits	751,718	734,034	676,323	712,568	711,304	570,501
Short-Term Borrowings	133,016	134,507	165,345	156,214	134,394	51,918
Current Portion of Long-Term Debt	-	-	-	-	8,097	31,280
Current Portion of Leases	-	505.49	444.06	597.21	-	-
Current Income Taxes Payable	-	1,162	1,146	-	1,045	613.12
Accrued Interest Payable	-	2,359	2,809	-	1,802	787.45
Other Current Liabilities	-	11,947	12,530	24,934	11,581	8,021
Long-Term Debt	39,691	39,662	57,566	50,494	43,547	38,574
Long-Term Leases	-	1,207	1,182	953.93	1,425	1,383
Long-Term Unearned Revenue	-	295.13	442.69	590.26	715.71	733.33
Pension & Post-Retirement Benefits	-	1,951	1,336	1,572	999.01	1,026
Other Long-Term Liabilities	51,105	10,088	7,742	6,879	6,493	3,982
Total Liabilities	975,530	956,613	949,373	969,518	944,672	718,882

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
Common Stock	33,164	33,164	33,164	23,538	21,421	12,194
Additional Paid-In Capital	64,368	64,368	64,368	57,769	47,950	14,215
Retained Earnings	107,912	107,424	100,799	91,262	93,252	84,921
Treasury Stock	-	-	-	-2.1	-	-
Comprehensive Income & Other	-4,078	-2,895	-3,123	2,424	-15,254	106.32
Total Common Equity	201,365	202,061	195,208	174,991	147,369	111,436
Minority Interest	730.56	792.1	859.99	634.26	844.71	777.3
Shareholders' Equity	202,096	202,853	196,068	175,625	148,214	112,213
Total Liabilities & Equity	1,177,626	1,159,465	1,145,441	1,145,143	1,092,886	831,095

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
Total Debt	172,707	175,882	224,536	208,259	187,462	123,155
Net Cash (Debt)	-94,074	-55,257	-119,360	-114,234	-67,258	43,249
Net Cash Growth	-	-	-	-	-	-21.40%
Net Cash Per Share	-28.37	-16.66	-37.53	-38.48	-26.41	20.03
Filing Date Shares Outstanding	3,316	3,316	3,316	2,989	2,989	1,937
Total Common Shares Outstanding	3,316	3,316	3,316	2,989	2,720	1,936
Book Value Per Share	60.72	60.93	58.86	58.54	54.17	57.57
Tangible Book Value	147,373	124,003	115,763	98,315	93,377	90,292
Tangible Book Value Per Share	44.44	37.39	34.91	32.89	34.32	46.64