Union Bank of the Philippines (PSE:UBP)
Philippines · Delayed Price · Currency is PHP 23.70
-0.55 (-2.27%)
At close: Aug 28, 2026
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 | Jun '26 Jun 30, 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 | 75,873 | 97,136 | 96,021 | 88,790 | 112,032 | 137,553 |
Investment Securities | 380,903 | 254,209 | 248,372 | 228,793 | 220,135 | 231,144 |
Trading Asset Securities | 16,470 | 23,489 | 9,154 | 5,235 | 8,172 | 5,430 |
Total Investments | 397,373 | 277,699 | 257,526 | 234,027 | 228,307 | 236,575 |
Gross Loans | 565,665 | 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 | 565,665 | 508,922 | 489,986 | 489,868 | 446,879 | 310,829 |
Property, Plant & Equipment | 11,383 | 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 | 10,081 | 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 | 23,576 | 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 | 43,668 | 98,356 | 119,996 | 128,745 | 139,699 | 26,809 |
Total Assets | 1,181,611 | 1,159,465 | 1,145,441 | 1,145,143 | 1,092,886 | 831,095 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 | 735,120 | 734,034 | 676,323 | 712,568 | 711,304 | 570,501 |
Total Deposits | 735,120 | 734,034 | 676,323 | 712,568 | 711,304 | 570,501 |
Short-Term Borrowings | 148,809 | 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 | 40,719 | 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 | 51,754 | 10,088 | 7,742 | 6,879 | 6,493 | 3,982 |
Total Liabilities | 976,402 | 956,613 | 949,373 | 969,518 | 944,672 | 718,882 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 | 110,983 | 107,424 | 100,799 | 91,262 | 93,252 | 84,921 |
Treasury Stock | - | - | - | -2.1 | - | - |
Comprehensive Income & Other | -3,979 | -2,895 | -3,123 | 2,424 | -15,254 | 106.32 |
Total Common Equity | 204,535 | 202,061 | 195,208 | 174,991 | 147,369 | 111,436 |
Minority Interest | 673.41 | 792.1 | 859.99 | 634.26 | 844.71 | 777.3 |
Shareholders' Equity | 205,209 | 202,853 | 196,068 | 175,625 | 148,214 | 112,213 |
Total Liabilities & Equity | 1,181,611 | 1,159,465 | 1,145,441 | 1,145,143 | 1,092,886 | 831,095 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 | 189,528 | 175,882 | 224,536 | 208,259 | 187,462 | 123,155 |
Net Cash (Debt) | -97,185 | -55,257 | -119,360 | -114,234 | -67,258 | 43,249 |
Net Cash Growth | - | - | - | - | - | -21.40% |
Net Cash Per Share | -29.30 | -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 | 61.67 | 60.93 | 58.86 | 58.54 | 54.17 | 57.57 |
Tangible Book Value | 150,543 | 124,003 | 115,763 | 98,315 | 93,377 | 90,292 |
Tangible Book Value Per Share | 45.39 | 37.39 | 34.91 | 32.89 | 34.32 | 46.64 |