Union Bank of the Philippines (PSE:UBP)
Philippines
· Delayed Price · Currency is PHP 25.40
+0.40 (1.60%)
At close: Apr 28, 2026
PSE:UBP Income 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 | 2020 - 2016 |
|---|---|---|---|---|---|---|
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 | 2020 - 2016 |
| Interest Income on Loans | 64,384 | 64,511 | 60,587 | 36,831 | 27,696 | Upgrade
|
| Interest Income on Investments | 19,976 | 19,229 | 17,975 | 13,694 | 8,631 | Upgrade
|
| Total Interest Income | 84,360 | 83,740 | 78,562 | 50,525 | 36,328 | Upgrade
|
| Interest Paid on Deposits | 9,438 | 12,493 | 15,788 | 6,022 | 2,968 | Upgrade
|
| Interest Paid on Borrowings | 10,675 | 13,218 | 10,798 | 5,602 | 3,545 | Upgrade
|
| Total Interest Expense | 20,113 | 25,712 | 26,586 | 11,623 | 6,512 | Upgrade
|
| Net Interest Income | 64,247 | 58,028 | 51,976 | 38,901 | 29,815 | Upgrade
|
| Net Interest Income Growth (YoY) | 10.72% | 11.64% | 33.61% | 30.48% | 3.78% | Upgrade
|
| Income From Trading Activities | 1,148 | 1,536 | 918.65 | -181.4 | 217.94 | Upgrade
|
| Gain (Loss) on Sale of Assets | 633.06 | 521.34 | 1,027 | 1,209 | -25.58 | Upgrade
|
| Gain (Loss) on Sale of Investments | 590.92 | - | 22.7 | 100.22 | 8,615 | Upgrade
|
| Other Non-Interest Income | 16,610 | 17,773 | 15,710 | 12,171 | 6,493 | Upgrade
|
| Total Non-Interest Income | 18,981 | 19,831 | 17,678 | 13,299 | 15,301 | Upgrade
|
| Non-Interest Income Growth (YoY) | -4.28% | 12.17% | 32.93% | -13.08% | 14.68% | Upgrade
|
| Revenues Before Loan Losses | 83,229 | 77,859 | 69,654 | 52,200 | 45,116 | Upgrade
|
| Provision for Loan Losses | 21,156 | 17,908 | 12,917 | 4,068 | 5,811 | Upgrade
|
| Revenue | 62,072 | 59,951 | 56,737 | 48,132 | 39,304 | Upgrade
|
| Revenue Growth (YoY) | 3.54% | 5.66% | 17.88% | 22.46% | 16.66% | Upgrade
|
| Salaries and Employee Benefits | 15,599 | 14,120 | 13,558 | 10,003 | 8,647 | Upgrade
|
| Occupancy Expenses | 3,834 | 2,842 | 2,666 | 1,860 | 1,624 | Upgrade
|
| Selling, General & Administrative | 5,558 | 6,058 | 6,271 | 3,452 | 2,099 | Upgrade
|
| Other Non-Interest Expense | 21,861 | 20,620 | 21,172 | 15,474 | 11,029 | Upgrade
|
| Total Non-Interest Expense | 46,852 | 43,640 | 43,668 | 30,790 | 23,398 | Upgrade
|
| EBT Excluding Unusual Items | 15,220 | 16,311 | 13,069 | 17,342 | 15,906 | Upgrade
|
| Asset Writedown | -486.23 | -308.71 | -916.62 | -374.54 | -318.64 | Upgrade
|
| Legal Settlements | -535.5 | -319.27 | -303.58 | -183.73 | -73.38 | Upgrade
|
| Pretax Income | 14,199 | 15,683 | 11,849 | 16,784 | 14,985 | Upgrade
|
| Income Tax Expense | 4,197 | 3,653 | 2,644 | 4,039 | 2,407 | Upgrade
|
| Earnings From Continuing Operations | 10,002 | 12,030 | 9,205 | 12,745 | 12,578 | Upgrade
|
| Minority Interest in Earnings | -60.93 | -99.77 | -132.34 | -143.97 | -52.36 | Upgrade
|
| Net Income | 9,941 | 11,930 | 9,072 | 12,601 | 12,525 | Upgrade
|
| Net Income to Common | 9,941 | 11,930 | 9,072 | 12,601 | 12,525 | Upgrade
|
| Net Income Growth | -16.67% | 31.50% | -28.00% | 0.60% | 8.41% | Upgrade
|
| Basic Shares Outstanding | 3,316 | 3,180 | 2,968 | 2,547 | 2,160 | Upgrade
|
| Diluted Shares Outstanding | 3,316 | 3,180 | 2,968 | 2,547 | 2,160 | Upgrade
|
| Shares Change (YoY) | 4.29% | 7.13% | 16.55% | 17.93% | 11.64% | Upgrade
|
| EPS (Basic) | 3.00 | 3.75 | 3.06 | 4.95 | 5.80 | Upgrade
|
| EPS (Diluted) | 3.00 | 3.75 | 3.06 | 4.95 | 5.80 | Upgrade
|
| EPS Growth | -20.10% | 22.75% | -38.23% | -14.70% | -2.89% | Upgrade
|
| Dividend Per Share | 1.000 | 1.000 | 0.800 | 1.575 | 2.205 | Upgrade
|
| Dividend Growth | - | 25.00% | -49.20% | -28.57% | - | Upgrade
|
| Effective Tax Rate | 29.56% | 23.30% | 22.32% | 24.07% | 16.06% | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.