PSE:UBP Cash Flow Statement

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Income	9,941	11,930	9,072	12,601	12,525
Depreciation & Amortization	2,831	2,708	2,682	2,158	1,652
Other Amortization	1,668	758.88	595.88	322.61	405.15
Gain (Loss) on Sale of Assets	-1,510	-1,725	-1,779	-1,676	3.22
Gain (Loss) on Sale of Investments	44.81	978.71	689.82	969.05	-7,004
Total Asset Writedown	98.3	-3.55	-0.75	-24.7	464.95
Provision for Credit Losses	21,156	17,908	12,917	4,068	5,811
Change in Trading Asset Securities	-13,801	-4,485	2,848	-3,014	12,671
Change in Other Net Operating Assets	-36,862	-13,997	-55,759	-72,343	-22,779
Other Operating Activities	-1,050	-1,491	-1,298	1,882	-536.97
Operating Cash Flow	-17,545	12,585	-30,009	-55,026	3,218
Operating Cash Flow Growth	-	-	-	-	-86.86%
Capital Expenditures	-1,463	-1,647	-2,283	-551.59	-505.61
Sale of Property, Plant and Equipment	91.41	75.59	113.65	45.76	52.92
Cash Acquisitions	-300	-	-3,260	-44,957	-109.61
Investment in Securities	17,261	-7,543	-16,196	-100,311	-34,666
Income (Loss) Equity Investments	-61.66	1.92	22.36	29.67	4.14
Other Investing Activities	-1,242	-3,178	-5,780	-	-
Investing Cash Flow	14,605	-11,757	-26,774	-145,154	-34,764
Short-Term Debt Issued	613,140	979,986	1,313,422	306,505	127,076
Long-Term Debt Issued	21,351	11,483	20,501	13,904	11,058
Total Debt Issued	634,491	991,469	1,333,922	320,409	138,133
Short-Term Debt Repaid	-644,402	-975,385	-1,291,332	-225,726	-131,247
Long-Term Debt Repaid	-40,777	-6,384	-22,250	-38,842	-4,053
Total Debt Repaid	-685,179	-981,769	-1,313,582	-264,568	-135,300
Net Debt Issued (Repaid)	-50,688	9,700	20,340	55,841	2,834
Issuance of Common Stock	-	9,871	11,936	39,914	63.6
Repurchase of Common Stock	-	-	-2.1	-	-55.12
Common Dividends Paid	-3,316	-2,391	-4,708	-4,270	-4,268
Net Increase (Decrease) in Deposit Accounts	57,711	-36,246	1,264	75,538	42,716
Other Financing Activities	-130.01	494.57	-346.13	-75.75	-49.3
Financing Cash Flow	3,577	-18,571	28,485	166,948	41,241
Foreign Exchange Rate Adjustments	9.37	46.16	-240.22	42.73	-44.96
Net Cash Flow	645.35	-17,697	-28,539	-33,189	9,650
Free Cash Flow	-19,008	10,938	-32,293	-55,577	2,712
Free Cash Flow Growth	-	-	-	-	-88.44%
Free Cash Flow Margin	-30.62%	18.25%	-56.92%	-115.47%	6.90%
Free Cash Flow Per Share	-5.73	3.44	-10.88	-21.82	1.26
Cash Interest Paid	20,563	26,376	24,916	10,609	6,483
Cash Income Tax Paid	4,860	4,281	4,861	3,566	2,171

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