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Union Bank of the Philippines
XPHS:UBP

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Union Bank of the Philippines
XPHS:UBP
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Price: 25.3 PHP -1.36% Market Closed
Market Cap: ₱83.9B

Income Statement

Income Statement
Union Bank of the Philippines

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Income Statement
Currency: PHP
Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Net Interest Income
1 377
1 946
2 008
2 206
2 274
2 159
2 192
2 146
2 326
2 784
3 055
3 324
3 391
3 075
3 294
3 095
2 922
3 719
4 248
4 611
5 367
5 402
4 831
5 054
5 147
5 267
5 875
6 065
6 341
6 419
6 463
6 737
6 803
6 795
7 074
7 118
6 929
7 132
6 983
6 994
7 261
7 224
7 276
7 589
7 707
8 257
8 874
9 478
10 144
10 540
10 784
10 751
11 119
11 573
12 151
13 162
13 847
14 306
18 322
18 707
19 121
19 869
20 785
21 479
22 140
22 852
19 999
20 036
20 372
21 169
22 336
24 464
26 352
28 020
28 730
29 119
29 689
29 297
29 815
30 665
31 970
35 597
38 901
42 329
45 883
48 433
51 976
53 931
55 519
57 255
58 028
59 970
61 842
62 972
Interest Income
2 461
3 435
3 534
3 803
3 957
3 830
3 809
3 723
3 900
4 456
4 975
5 554
5 902
5 790
6 194
6 092
5 891
7 703
8 577
9 447
10 874
10 274
9 752
9 512
9 120
9 325
10 393
11 323
12 110
12 324
11 892
11 769
11 675
11 579
11 813
11 985
11 727
11 837
11 750
11 552
11 594
11 198
10 868
11 198
11 572
12 384
13 306
13 853
14 392
14 799
15 099
15 140
15 437
15 859
16 391
17 422
18 418
19 198
23 596
24 292
25 048
26 284
27 731
29 342
30 957
32 865
31 629
33 614
35 724
37 521
38 355
39 352
39 697
39 448
38 578
37 386
36 603
35 825
36 328
37 315
39 134
44 203
0
0
0
0
78 562
42 017
62 693
84 291
83 740
84 329
84 629
84 143
Interest Expense
1 084
1 489
1 527
1 596
1 682
1 671
1 617
1 578
1 575
1 672
1 920
2 230
2 511
2 715
2 901
2 996
2 967
3 982
4 330
4 833
5 504
4 870
4 922
4 459
3 974
4 059
4 517
5 257
5 769
5 904
5 429
5 030
4 870
4 784
4 739
4 869
4 799
4 705
4 767
4 559
4 334
3 975
3 592
3 610
3 866
4 127
4 432
4 374
4 248
4 259
4 315
4 388
4 317
4 285
4 240
4 260
4 570
4 892
5 274
5 583
5 927
6 415
6 946
7 863
8 816
10 012
11 630
13 578
15 352
16 353
16 019
14 889
13 346
11 427
9 847
8 266
6 914
6 528
6 512
6 650
7 163
8 605
11 623
15 795
20 428
24 206
26 586
27 420
27 446
27 037
25 712
24 359
22 787
21 172
Non Interest Income
1 695
1 917
1 884
1 210
2 402
2 725
2 685
2 905
2 007
1 830
2 063
2 165
2 441
2 701
2 915
3 154
2 804
3 151
3 198
4 367
4 406
3 881
3 824
2 373
2 431
2 367
3 013
3 217
4 257
5 644
5 878
5 851
5 639
6 176
6 135
6 493
8 461
9 153
9 558
12 294
10 640
10 282
10 831
12 211
13 973
13 107
12 619
9 884
8 397
8 819
9 584
9 573
9 400
9 377
8 037
8 282
8 288
11 566
7 350
7 683
7 773
4 546
4 330
7 080
6 460
5 314
5 474
5 848
6 681
9 403
14 345
14 832
18 182
16 741
13 367
18 187
16 374
15 992
15 301
10 640
9 645
11 121
13 480
15 928
19 209
20 775
18 802
19 097
18 130
18 376
21 521
20 683
20 220
19 449
Revenue
3 072
N/A
3 863
+26%
3 892
+1%
3 416
-12%
4 676
+37%
4 884
+4%
4 877
0%
5 051
+4%
4 333
-14%
4 614
+6%
5 118
+11%
5 489
+7%
5 832
+6%
5 776
-1%
6 209
+7%
6 249
+1%
5 726
-8%
6 870
+20%
7 446
+8%
8 978
+21%
9 773
+9%
9 283
-5%
8 655
-7%
7 427
-14%
7 578
+2%
7 634
+1%
8 888
+16%
9 282
+4%
10 598
+14%
12 063
+14%
12 341
+2%
12 588
+2%
12 442
-1%
12 971
+4%
13 209
+2%
13 611
+3%
15 390
+13%
16 285
+6%
16 541
+2%
19 288
+17%
17 901
-7%
17 506
-2%
18 107
+3%
19 800
+9%
21 680
+9%
21 364
-1%
21 493
+1%
19 362
-10%
18 541
-4%
19 359
+4%
20 368
+5%
20 324
0%
20 519
+1%
20 950
+2%
20 188
-4%
21 444
+6%
22 135
+3%
25 872
+17%
25 672
-1%
26 390
+3%
26 894
+2%
24 415
-9%
25 115
+3%
28 559
+14%
28 600
+0%
28 166
-2%
25 473
-10%
25 884
+2%
27 053
+5%
30 572
+13%
36 681
+20%
39 296
+7%
44 534
+13%
44 761
+1%
42 097
-6%
47 306
+12%
46 063
-3%
45 289
-2%
45 116
0%
41 305
-8%
41 615
+1%
46 718
+12%
52 382
+12%
58 257
+11%
65 092
+12%
69 208
+6%
70 778
+2%
73 028
+3%
73 650
+1%
75 630
+3%
79 549
+5%
80 652
+1%
82 062
+2%
82 420
+0%
Pre-Tax Income
Loan Loss Provision
(194)
(274)
(279)
(176)
(236)
(291)
(375)
(405)
(435)
(370)
(350)
(350)
(350)
(370)
(408)
(393)
(368)
(316)
(361)
(281)
(306)
(348)
(378)
(483)
(498)
(325)
(859)
(930)
(985)
(1 856)
(1 974)
(1 910)
(1 855)
(1 180)
(524)
(531)
(786)
(833)
(1 550)
(1 619)
(1 336)
(1 264)
(1 560)
(1 438)
(1 670)
(1 705)
(1 045)
(1 075)
(883)
(987)
(301)
(273)
(368)
(408)
(659)
(804)
(613)
(951)
(1 594)
(1 424)
(1 438)
(1 273)
(876)
(838)
(953)
(639)
(856)
(1 031)
(1 071)
(1 075)
(1 857)
(3 010)
(8 487)
(8 831)
(8 382)
(9 389)
(4 444)
(5 046)
(5 811)
(3 981)
(4 311)
(4 022)
(4 068)
(5 706)
(7 495)
(11 070)
(14 041)
(16 530)
(18 047)
(18 218)
(19 599)
(20 452)
(22 159)
(21 679)
Non Interest Expense
(1 738)
(2 122)
(2 161)
(1 773)
(2 033)
(2 158)
(2 491)
(2 573)
(2 374)
(2 514)
(2 263)
(2 367)
(2 621)
(2 589)
(2 655)
(2 667)
(2 631)
(3 627)
(4 243)
(4 892)
(5 374)
(5 050)
(5 246)
(5 037)
(5 135)
(5 246)
(5 120)
(5 438)
(5 549)
(5 632)
(5 947)
(5 957)
(6 103)
(6 245)
(6 498)
(7 004)
(7 803)
(8 182)
(8 182)
(8 794)
(8 614)
(8 575)
(8 605)
(9 167)
(9 727)
(10 178)
(10 421)
(9 686)
(9 469)
(9 516)
(9 820)
(9 825)
(10 003)
(11 547)
(11 362)
(12 318)
(12 365)
(11 952)
(12 102)
(12 316)
(12 914)
(12 802)
(14 083)
(16 914)
(17 456)
(18 335)
(16 703)
(17 843)
(18 156)
(19 380)
(20 325)
(21 894)
(22 387)
(21 936)
(21 373)
(22 367)
(23 550)
(24 249)
(24 320)
(24 322)
(24 640)
(27 436)
(31 529)
(35 768)
(41 370)
(44 447)
(44 888)
(45 901)
(44 654)
(44 407)
(44 268)
(44 735)
(46 145)
(46 769)
Pre-Tax Income
1 141
N/A
1 468
+29%
1 452
-1%
1 465
+1%
2 405
+64%
2 433
+1%
2 012
-17%
2 073
+3%
1 524
-26%
1 730
+14%
2 505
+45%
2 771
+11%
2 859
+3%
2 815
-2%
3 146
+12%
3 188
+1%
2 727
-14%
2 928
+7%
2 842
-3%
3 805
+34%
4 093
+8%
3 883
-5%
3 031
-22%
1 906
-37%
1 944
+2%
2 063
+6%
2 908
+41%
2 913
+0%
4 063
+39%
4 575
+13%
4 420
-3%
4 723
+7%
4 486
-5%
5 547
+24%
6 186
+12%
6 077
-2%
6 802
+12%
7 271
+7%
6 810
-6%
8 875
+30%
7 951
-10%
7 666
-4%
7 942
+4%
9 194
+16%
10 281
+12%
9 480
-8%
10 026
+6%
8 600
-14%
8 189
-5%
8 856
+8%
10 247
+16%
10 225
0%
10 148
-1%
8 995
-11%
8 168
-9%
8 323
+2%
9 158
+10%
12 970
+42%
11 976
-8%
12 652
+6%
12 542
-1%
10 340
-18%
10 156
-2%
10 806
+6%
10 191
-6%
9 192
-10%
7 914
-14%
7 011
-11%
7 827
+12%
10 118
+29%
14 498
+43%
14 392
-1%
13 659
-5%
13 993
+2%
12 342
-12%
15 549
+26%
18 067
+16%
15 992
-11%
14 985
-6%
13 000
-13%
12 664
-3%
15 260
+20%
16 784
+10%
16 783
0%
16 227
-3%
13 692
-16%
11 849
-13%
10 598
-11%
10 949
+3%
13 005
+19%
15 683
+21%
15 466
-1%
13 757
-11%
13 972
+2%
Net Income
Tax Provision
100
93
23
42
(8)
12
17
108
20
(9)
(224)
(206)
(184)
(268)
(390)
(437)
(426)
(463)
(330)
(445)
(464)
(430)
(52)
41
75
35
(840)
(882)
(1 002)
(801)
(95)
(108)
(136)
(361)
(833)
(870)
(808)
(766)
(215)
(146)
(150)
(161)
(335)
(447)
(570)
(870)
(997)
(1 163)
(1 310)
(1 292)
(1 839)
(1 879)
(1 908)
(1 924)
(2 151)
(2 174)
(2 225)
(2 484)
(1 910)
(1 985)
(2 034)
(2 021)
(2 244)
(2 175)
(1 929)
(1 591)
(1 040)
(850)
(898)
(765)
(494)
(574)
(102)
(14)
(781)
(1 241)
(2 461)
(2 202)
(2 407)
(2 542)
(2 344)
(3 304)
(4 039)
(3 337)
(3 188)
(3 005)
(2 644)
(2 763)
(3 097)
(3 342)
(3 653)
(4 014)
(3 545)
(4 028)
Income from Continuing Operations
1 240
1 560
1 475
1 505
2 396
2 443
2 029
2 180
1 543
1 721
2 281
2 565
2 675
2 547
2 755
2 751
2 302
2 466
2 512
3 361
3 629
3 454
2 978
1 947
2 019
2 097
2 068
2 031
3 061
3 774
4 325
4 614
4 348
5 184
5 353
5 206
5 995
6 506
6 595
8 731
7 801
7 505
7 607
8 745
9 710
8 609
9 029
7 437
6 879
7 564
8 408
8 347
8 241
7 073
6 017
6 150
6 934
10 486
10 066
10 668
10 510
8 321
7 912
8 633
8 263
7 602
6 874
6 161
6 929
9 353
14 004
13 818
13 557
13 979
11 561
14 307
15 605
13 789
12 578
10 457
10 319
11 955
12 745
13 446
13 039
10 686
9 205
7 835
7 852
9 663
12 030
11 452
10 212
9 944
Income to Minority Interest
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(1)
(2)
0
(4)
(4)
(4)
(6)
(7)
(7)
(8)
(8)
(9)
(8)
(8)
(8)
(8)
(8)
(8)
(8)
(9)
(8)
(6)
(4)
1
10
14
19
23
16
13
(1)
(8)
(21)
(40)
(50)
(52)
(74)
(97)
(125)
(144)
(151)
(147)
(130)
(132)
(124)
(121)
(130)
(100)
(94)
(79)
(56)
Net Income (Common)
1 240
N/A
1 560
+26%
1 475
-5%
1 505
+2%
2 396
+59%
2 443
+2%
2 029
-17%
2 180
+7%
1 543
-29%
1 721
+12%
2 281
+33%
2 565
+12%
2 675
+4%
2 547
-5%
2 755
+8%
2 751
0%
2 302
-16%
2 466
+7%
2 512
+2%
3 361
+34%
3 629
+8%
3 454
-5%
2 978
-14%
1 947
-35%
2 019
+4%
2 097
+4%
2 068
-1%
2 031
-2%
3 061
+51%
3 774
+23%
4 325
+15%
4 614
+7%
4 348
-6%
5 184
+19%
5 353
+3%
5 206
-3%
5 995
+15%
6 506
+9%
6 595
+1%
8 731
+32%
7 801
-11%
7 505
-4%
7 607
+1%
8 743
+15%
9 707
+11%
8 606
-11%
9 025
+5%
7 432
-18%
6 874
-8%
7 557
+10%
8 401
+11%
8 340
-1%
8 233
-1%
7 064
-14%
6 008
-15%
6 141
+2%
6 925
+13%
10 478
+51%
10 058
-4%
10 660
+6%
10 502
-1%
8 313
-21%
7 904
-5%
8 626
+9%
8 258
-4%
7 599
-8%
6 876
-10%
6 171
-10%
6 943
+13%
9 372
+35%
14 026
+50%
13 834
-1%
13 570
-2%
13 978
+3%
11 553
-17%
14 286
+24%
15 565
+9%
13 739
-12%
12 525
-9%
10 383
-17%
10 222
-2%
11 830
+16%
12 601
+7%
13 295
+6%
12 891
-3%
10 556
-18%
9 072
-14%
7 712
-15%
7 731
+0%
9 533
+23%
11 930
+25%
11 358
-5%
10 133
-11%
9 888
-2%
EPS (Diluted)
0.93
N/A
1.17
+26%
1.11
-5%
1.13
+2%
1.8
+59%
1.84
+2%
1.53
-17%
1.65
+8%
1.17
-29%
1.3
+11%
1.72
+32%
1.93
+12%
1.99
+3%
1.92
-4%
2.08
+8%
2.08
N/A
1.74
-16%
1.87
+7%
1.9
+2%
2.31
+22%
2.5
+8%
2.38
-5%
2.06
-13%
1.27
-38%
1.34
+6%
1.38
+3%
1.36
-1%
1.33
-2%
2.01
+51%
2.47
+23%
2.83
+15%
3.02
+7%
2.84
-6%
3.39
+19%
3.51
+4%
3.4
-3%
3.92
+15%
4.26
+9%
4.32
+1%
5.72
+32%
5.11
-11%
4.91
-4%
4.99
+2%
5.72
+15%
6.29
+10%
5.63
-10%
5.92
+5%
4.87
-18%
4.51
-7%
4.96
+10%
5.51
+11%
5.47
-1%
5.4
-1%
4.63
-14%
3.94
-15%
4.03
+2%
4.54
+13%
6.87
+51%
6.59
-4%
6.98
+6%
6.88
-1%
5.45
-21%
5.35
-2%
5.65
+6%
5.41
-4%
5.15
-5%
4.49
-13%
3.63
-19%
4.08
+12%
5.51
+35%
8.26
+50%
8.14
-1%
7.89
-3%
8.23
+4%
6.8
-17%
8.4
+24%
9.15
+9%
8.08
-12%
9.2
+14%
5.9
-36%
5.71
-3%
6.23
+9%
4.84
-22%
4.61
-5%
4.29
-7%
3.49
-19%
2.99
-14%
2.55
-15%
2.5
-2%
3.1
+24%
3.75
+21%
3.42
-9%
3.05
-11%
2.98
-2%
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett