Philippine National Bank (PSE:PNB)
Philippines
· Delayed Price · Currency is PHP 50.95
-1.40 (-2.67%)
At close: Dec 5, 2025
Philippine National Bank 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 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
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 | 2019 - 2015 |
| Cash & Equivalents | 53,632 | 71,184 | 90,389 | 78,011 | 164,957 | 205,909 | Upgrade
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| Investment Securities | 405,761 | 428,719 | 355,152 | 330,390 | 270,139 | 219,510 | Upgrade
|
| Trading Asset Securities | 14,007 | 17,921 | 10,517 | 7,347 | 11,168 | 23,826 | Upgrade
|
| Total Investments | 419,767 | 446,640 | 365,669 | 337,738 | 281,306 | 243,335 | Upgrade
|
| Gross Loans | 690,188 | 652,705 | 628,935 | 602,468 | 616,770 | 605,587 | Upgrade
|
| Allowance for Loan Losses | -36,819 | -38,147 | -37,553 | -34,738 | -35,812 | -29,128 | Upgrade
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| Other Adjustments to Gross Loans | -888.76 | -845.86 | -681.4 | -756.05 | -1,118 | -1,465 | Upgrade
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| Net Loans | 652,479 | 613,711 | 590,701 | 566,975 | 579,840 | 574,994 | Upgrade
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| Property, Plant & Equipment | 10,053 | 10,196 | 10,754 | 11,974 | 13,472 | 19,879 | Upgrade
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| Goodwill | 10,185 | 10,185 | 10,185 | 11,221 | 11,221 | 13,375 | Upgrade
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| Other Intangible Assets | 1,001 | 1,085 | 1,302 | 1,864 | 2,429 | 2,512 | Upgrade
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| Investments in Real Estate | 17,674 | 16,485 | 15,099 | 14,524 | 11,375 | 15,085 | Upgrade
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| Accrued Interest Receivable | 9,646 | 8,783 | 8,179 | 6,911 | 6,054 | 6,637 | Upgrade
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| Other Receivables | 6,216 | 1,972 | 4,316 | 8,117 | 7,421 | 7,974 | Upgrade
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| Restricted Cash | 40,095 | 44,628 | 78,373 | 74,701 | 81,273 | 80,029 | Upgrade
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| Other Current Assets | 14,864 | 17,265 | 19,912 | 18,866 | 16,821 | 21,149 | Upgrade
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| Long-Term Deferred Tax Assets | 6,843 | 7,461 | 6,982 | 6,617 | 6,406 | 9,037 | Upgrade
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| Other Real Estate Owned & Foreclosed | 118.85 | 75.43 | 304.82 | 210.42 | 226.29 | 114.46 | Upgrade
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| Other Long-Term Assets | 1,355 | 3,971 | 6,320 | 5,951 | 6,917 | 30,010 | Upgrade
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| Total Assets | 1,249,134 | 1,257,611 | 1,210,549 | 1,145,157 | 1,190,785 | 1,231,134 | Upgrade
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| Accounts Payable | 2,639 | 3,714 | 2,989 | 5,036 | 4,725 | 5,789 | Upgrade
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| Accrued Expenses | 8,581 | 6,550 | 7,830 | 7,548 | 6,663 | 5,385 | Upgrade
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| Interest Bearing Deposits | 921,312 | 944,872 | 900,871 | 843,428 | 866,324 | 860,288 | Upgrade
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| Non-Interest Bearing Deposits | 28,200 | 26,800 | 27,100 | 27,800 | 28,600 | 30,000 | Upgrade
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| Total Deposits | 949,512 | 971,672 | 927,971 | 871,228 | 894,924 | 890,288 | Upgrade
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| Short-Term Borrowings | 2,432 | 2,962 | 1,300 | 1,317 | 1,046 | 1,238 | Upgrade
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| Current Portion of Long-Term Debt | - | - | 41,491 | 16,717 | - | 13,853 | Upgrade
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| Current Portion of Leases | - | 997.13 | 815.28 | 709.21 | 2,698 | 552.62 | Upgrade
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| Current Income Taxes Payable | 296.22 | 159.23 | 180.36 | 983.05 | 157.74 | 903.04 | Upgrade
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| Accrued Interest Payable | - | 2,146 | 2,428 | 986.04 | 659.03 | 908.44 | Upgrade
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| Other Current Liabilities | 13,602 | 12,215 | 14,265 | 10,907 | 11,330 | 14,993 | Upgrade
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| Long-Term Debt | 28,288 | 31,457 | 10,608 | 49,425 | 99,227 | 133,802 | Upgrade
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| Long-Term Leases | 3,425 | 2,812 | 3,018 | 2,927 | 1,067 | 813.4 | Upgrade
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| Long-Term Unearned Revenue | 902.61 | 920.62 | 1,068 | 1,147 | 1,122 | 1,137 | Upgrade
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| Pension & Post-Retirement Benefits | 59.67 | 112.55 | 488.56 | 967.97 | 1,370 | 1,369 | Upgrade
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| Long-Term Deferred Tax Liabilities | 168.24 | 167.52 | 166.09 | 165.72 | 165.23 | 161.15 | Upgrade
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| Other Long-Term Liabilities | 5,240 | 5,097 | 4,784 | 5,189 | 4,407 | 3,957 | Upgrade
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| Total Liabilities | 1,015,146 | 1,040,982 | 1,019,401 | 975,251 | 1,029,562 | 1,075,151 | Upgrade
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| Common Stock | 61,031 | 61,031 | 61,031 | 61,031 | 61,031 | 61,031 | Upgrade
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| Additional Paid-In Capital | 32,117 | 32,117 | 32,117 | 32,117 | 32,117 | 32,117 | Upgrade
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| Retained Earnings | 132,938 | 118,631 | 96,657 | 78,678 | 67,146 | 59,530 | Upgrade
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| Comprehensive Income & Other | 4,008 | 1,069 | -2,164 | -5,469 | -2,289 | 104.42 | Upgrade
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| Total Common Equity | 230,094 | 212,847 | 187,640 | 166,356 | 158,004 | 152,782 | Upgrade
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| Minority Interest | 3,894 | 3,782 | 3,509 | 3,549 | 3,219 | 3,201 | Upgrade
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| Shareholders' Equity | 233,988 | 216,629 | 191,149 | 169,906 | 161,223 | 155,983 | Upgrade
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| Total Liabilities & Equity | 1,249,134 | 1,257,611 | 1,210,549 | 1,145,157 | 1,190,785 | 1,231,134 | Upgrade
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| Total Debt | 34,144 | 38,228 | 57,232 | 71,094 | 104,039 | 150,259 | Upgrade
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| Net Cash (Debt) | 102,263 | 154,356 | 113,368 | 78,787 | 87,882 | 95,294 | Upgrade
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| Net Cash Growth | -30.73% | 36.16% | 43.89% | -10.35% | -7.78% | - | Upgrade
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| Net Cash Per Share | 67.02 | 101.17 | 74.30 | 51.64 | 57.60 | 62.46 | Upgrade
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| Filing Date Shares Outstanding | 1,526 | 1,526 | 1,526 | 1,526 | 1,526 | 1,526 | Upgrade
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| Total Common Shares Outstanding | 1,526 | 1,526 | 1,526 | 1,526 | 1,526 | 1,526 | Upgrade
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| Book Value Per Share | 150.81 | 139.50 | 122.98 | 109.03 | 103.56 | 100.13 | Upgrade
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| Tangible Book Value | 218,908 | 201,577 | 176,153 | 153,271 | 144,353 | 136,894 | Upgrade
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| Tangible Book Value Per Share | 143.47 | 132.12 | 115.45 | 100.46 | 94.61 | 89.72 | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.