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PH_BDO 2026-03-31 Q1 — report review

Status: OK — incomplete — unset metrics listed below; Currency: PHP; Amounts unit: millions; Forms: ✓ ✓ ✓

Report published: Not stored for this period — set financial_report_date on the row (EDGAR filingDate, KASE change_date, or manual_catalog).

Full financial report: Link

PDF: Open the filing PDF (primary document)

To recalculate statement detection and previews from the PDF, use this link The default link runs in the background: a status panel shows phase, elapsed time, rough ETA, CUDA vs CPU, and OOM hints, then loads the finished report. Heavy mode with refresh does this automatically so reverse proxies do not return 502. Add &sync=1 only for one long blocking request (not recommended). You can use ?refresh=1, ?recalc=1, ?nocache=1, or ?recompute=1 on the URL. (block in the browser until done: synchronous refresh)

Default view is fast (metric table + statement page numbers only) so reverse proxies do not time out. Use ?heavy=1 when you need embedded page images and Camelot tables.

Metric mapping (value → extracted evidence)

Metric values use dashboard units where applicable; evidence is the stored snippet from the PDF text layer or OCR used during extraction.

Net debt structure (leases included, IFRS 16)

Net debt / LTM EBITDA: -1.2x

EBITDA → net profit bridge

Finance income/costs and tax come from the primary source (IFRS/XBRL); the other line balances the walk to pre-tax profit.

Statement pages (discovery)

Below: last full statement reconstruction (PDF scans + tables + subtotal checks) cached from a ?heavy=1 run. Open heavy mode to rebuild if the PDF, discovery, or extraction changed. full previews & tables (?heavy=1).

Statement previews & reconstructed tables

Highlights Yellow row = matched stored evidence label; orange cell = exact number used for that metric (hover row for details). Revenue Operating profit D&A EBITDA Net profit cash debt_short debt_long Assets Equity Operating CF Investing CF

Green / amber / red bars on the label column mark subtotal rows where summed detail lines match the reported total (heuristic). The table under each reconstructed grid lists every check (Σ detail vs reported, status).

P&L

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

P&L — PDF page 5

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 5 (52 rows). Blank amount cells are normal for section headers and line-wrapped captions; 0 from OCR on those rows is not a reported financial zero. Amounts follow the PDF header (often thousands of currency).

#	Joined label	Column 2	Column 3
0	BDO UNIBANK INC_ & SUBSIDIARIES Page
1	BDO Towers Valero, 8741 Paseo de Roxas Street; Salcedo Village, Makati City
2	CONDENSED STATEMENTS OF FINANCIAL POSITION
3	(Amounts in Millions of Pesos)
4	RESQURCES
5	CASH AND OTHER CASH ITEMS	84820	119359
6	DUE FROM BANGKO SENTRAL NG PILIPINAS	276147	209827
7	DUE FROM OTHER BANKS Net	125065	111376
8	TRADING AND INVESTMENT SECURITIES Net
9	Financial Assets at FVTPL	29483	33527
10	Financial Assets at FVOCI Net	439402	336587
11	Investment Securities at Amortized Cost Net	658716	614579
12	LOANS AND OTHER RECEIVABLES Net	3791145	3694508
13	PREMISES, FURNITURE FIXTURES AND EQUIPMENT Net	64548	62470
14	INVESTMENT PROPERTIES Net	42679	42838
15	EQUITY INVESTMENTS Net	5030	5251
16	INVESTMENT SECURITIES AND OTHER ASSETS FOR LIFE
17	INSURANCE CONTRACTS Net	133642	136814
18	OTHER RESOURCES Net	64.152	64420
19	TOTAL RESOURCES	5714829	5431556
20	LIABILITIES AND EQUITY
21	LIABILITIES
22	DEPOSIT LIABILITIES
23	Demand	650763	641138
24	Savings	2255148	2194405
25	Time	1522.57	1354248
26	Total Deposit Liabilities	4428481	4189791
27	BILLS PAYABLE	405369	351818
28	INSURANCE CONTRACT AND OTHER LIABILITIES FOR LIFE
29	INSURANCE CONTRACTS	99031	101595
30	OTHER LIABILITIES	136251	144206
31	Total Liabilities	5069132	4787.41
32	EQUITY
33	Attributable t0:
34	Shareholders of the Parent Bank	642907	641074
35	Non-controlling Interests	790	3072
36	Total Equity	645.69	644146
37	TOTAL LIABILITIES AND EQUITY	5714829	5431556
38	CONTINGENI
39	Trust department accounts	2611385	2587814
40	Unused commercial letters of credit	64653	59372
41	Outstanding guarantees issued	1783	1061
42	Export letters of credit confirmed	15751	15567
43	Bills for collection	29184	23777
44	Late depositsipayments received	2086	2422
45	Spot Exchange Bought	27274	4842
46	Spot Exchange Sold	21578	21904
47	Forward Exchange Bought	350156	277490
48	Forward Exchange Sold	355249	270356
49	Interest Rate Swap Receivable	5802	671
50	Interest Rate Swap Payable	5802	6671
51	Other Contingent Accounts	1080770	941094

P&L — PDF page 6

Camelot table (pages 6, primary page 6).

#	Joined label	Line item	P	2026	P	2025
0	For the three-month period ending			For the three-month period ending
1	March 31, 2026 March 31, 2025			March 31, 2026		March 31, 2025
2	INTEREST INCOME ON	INTEREST INCOME ON
3	Loans and Other Receivables P 63,487 P 57,792	Loans and Other Receivables	P	63,487	P	57,792
4	Trading and Investment Securities 12,652 10,754	Trading and Investment Securities		12,652		10,754
5	Due from BSP and Other Banks 1,278 1,144	Due from BSP and Other Banks		1,278		1,144
6	Others 38 37	Others		38		37
7	Total Interest Income 77,455 69,727	Total Interest Income		77,455		69,727
8	INTEREST EXPENSE ON	INTEREST EXPENSE ON
9	Deposit Liabilities 19,285 18,191	Deposit Liabilities		19,285		18,191
10	Bills Payable and Other Borrowings 4,873 3,531	Bills Payable and Other Borrowings		4,873		3,531
11	Finance Lease Liabilities 268 249	Finance Lease Liabilities		268		249
12	Total Interest Expense 24,426 21,971	Total Interest Expense		24,426		21,971
13	NET INTEREST INCOME 53,029 47,756	NET INTEREST INCOME		53,029		47,756
14	IMPAIRMENT LOSSES (RECOVERIES) - Net	IMPAIRMENT LOSSES (RECOVERIES) - Net
15	Financial Assets 6,067 2,855	Financial Assets		6,067		2,855
16	Non-financial Assets 85 203	Non-financial Assets		85		203
17	Others (4) (29)	Others		(4)		(29)
18	6,148 3,029			6,148		3,029
19	NET INTEREST INCOME AFTER IMPAIRMENT	NET INTEREST INCOME AFTER IMPAIRMENT
20	LOSSES (RECOVERIES) 46,881 44,727	LOSSES (RECOVERIES)		46,881		44,727
21	OTHER OPERATING INCOME	OTHER OPERATING INCOME
22	Service Charges, Fees and Commissions 13,963 13,556	Service Charges, Fees and Commissions		13,963		13,556
23	Trading Gain(Loss) - Net 186 915	Trading Gain(Loss) - Net		186		915
24	Trust Fees 1,549 1,372	Trust Fees		1,549		1,372
25	Foreign Exchange Gain 1,635 721	Foreign Exchange Gain		1,635		721
26	Miscellaneous – Net 2,434 2,047	Miscellaneous – Net		2,434		2,047
27	Total Other Operating Income 19,767 18,611	Total Other Operating Income		19,767		18,611
28	INCOME ATTRIBUTABLE TO INSURANCE OPERATIONS - Net 2,126 1,669	INCOME ATTRIBUTABLE TO INSURANCE OPERATIONS - Net		2,126		1,669
29	OTHER OPERATING EXPENSES	OTHER OPERATING EXPENSES
30	Compensation and Benefits 17,188 15,316	Compensation and Benefits		17,188		15,316
31	Occupancy 3,304 3,120	Occupancy		3,304		3,120
32	Taxes and licenses 5,019 4,564	Taxes and licenses		5,019		4,564
33	Security, Clerical, Messengerial and Janitorial 1,579 1,376	Security, Clerical, Messengerial and Janitorial		1,579		1,376
34	Insurance 2,269 2,113	Insurance		2,269		2,113
35	Advertising 1,381 1,895	Advertising		1,381		1,895
36	Miscellaneous 12,708 12,474	Miscellaneous		12,708		12,474
37	Total Other Operating Expenses 43,448 40,858	Total Other Operating Expenses		43,448		40,858
38	PROFIT BEFORE TAX 25,326 24,149	PROFIT BEFORE TAX		25,326		24,149
39	TAX EXPENSE 5,144 4,377	TAX EXPENSE		5,144		4,377
40	NET PROFIT P 20,182 P 19,772	NET PROFIT	P	20,182	P	19,772
41	Attributable to:	Attributable to:
42	Shareholders of the Parent Bank P 20,112 P 19,704	Shareholders of the Parent Bank	P	20,112	P	19,704
43	Non-controlling Interests 70 68	Non-controlling Interests		70		68
44	P 20,182 P 19,772		P	20,182	P	19,772
45	Earnings Per Share:	Earnings Per Share:
46	Basic 3.69 3.63	Basic		3.69		3.63
47	Diluted 3.69 3.63	Diluted		3.69		3.63

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

BS

BS — PDF page 5

Camelot table (pages 5, primary page 5).

#	Joined label	Line item	P	2026	P	2025
0	As of Audited as of			As of		Audited as of
1	March 31, 2026 December 31, 2025			March 31, 2026		December 31, 2025
2	RESOURCES	RESOURCES
3	CASH AND OTHER CASH ITEMS P 84,820 P 119,359	CASH AND OTHER CASH ITEMS	P	84,820	P	119,359
4	DUE FROM BANGKO SENTRAL NG PILIPINAS 276,147 209,827	DUE FROM BANGKO SENTRAL NG PILIPINAS		276,147		209,827
5	DUE FROM OTHER BANKS – Net 125,065 111,376	DUE FROM OTHER BANKS – Net		125,065		111,376
6	TRADING AND INVESTMENT SECURITIES - Net	TRADING AND INVESTMENT SECURITIES - Net
7	Financial Assets at FVTPL 29,483 33,527	Financial Assets at FVTPL		29,483		33,527
8	Financial Assets at FVOCI – Net 439,402 336,587	Financial Assets at FVOCI – Net		439,402		336,587
9	Investment Securities at Amortized Cost – Net 658,716 614,579	Investment Securities at Amortized Cost – Net		658,716		614,579
10	LOANS AND OTHER RECEIVABLES – Net 3,791,145 3,694,508	LOANS AND OTHER RECEIVABLES – Net		3,791,145		3,694,508
11	PREMISES, FURNITURE, FIXTURES AND EQUIPMENT – Net 64,548 62,470	PREMISES, FURNITURE, FIXTURES AND EQUIPMENT – Net		64,548		62,470
12	INVESTMENT PROPERTIES – Net 42,679 42,838	INVESTMENT PROPERTIES – Net		42,679		42,838
13	EQUITY INVESTMENTS – Net 5,030 5,251	EQUITY INVESTMENTS – Net		5,030		5,251
14	INVESTMENT SECURITIES AND OTHER ASSETS FOR LIFE	INVESTMENT SECURITIES AND OTHER ASSETS FOR LIFE
15	INSURANCE CONTRACTS - Net 133,642 136,814	INSURANCE CONTRACTS - Net		133,642		136,814
16	OTHER RESOURCES – Net 64,152 64,420	OTHER RESOURCES – Net		64,152		64,420
17	TOTAL RESOURCES P 5,714,829 P 5,431,556	TOTAL RESOURCES	P	5,714,829	P	5,431,556
18	LIABILITIES AND EQUITY	LIABILITIES AND EQUITY
19	LIABILITIES	LIABILITIES
20	DEPOSIT LIABILITIES	DEPOSIT LIABILITIES
21	Demand P 650,763 P 641,138	Demand	P	650,763	P	641,138
22	Savings 2,255,148 2,194,405	Savings		2,255,148		2,194,405
23	Time 1,522,570 1,354,248	Time		1,522,570		1,354,248
24	Total Deposit Liabilities 4,428,481 4,189,791	Total Deposit Liabilities		4,428,481		4,189,791
25	BILLS PAYABLE 405,369 351,818	BILLS PAYABLE		405,369		351,818
26	INSURANCE CONTRACT AND OTHER LIABILITIES FOR LIFE	INSURANCE CONTRACT AND OTHER LIABILITIES FOR LIFE
27	INSURANCE CONTRACTS 99,031 101,595	INSURANCE CONTRACTS		99,031		101,595
28	OTHER LIABILITIES 136,251 144,206	OTHER LIABILITIES		136,251		144,206
29	Total Liabilities 5,069,132 4,787,410	Total Liabilities		5,069,132		4,787,410
30	EQUITY	EQUITY
31	Attributable to:	Attributable to:
32	Shareholders of the Parent Bank 642,907 641,074	Shareholders of the Parent Bank		642,907		641,074
33	Non-controlling Interests 2,790 3,072	Non-controlling Interests		2,790		3,072
34	Total Equity 645,697 644,146	Total Equity		645,697		644,146
35	TOTAL LIABILITIES AND EQUITY P 5,714,829 P 5,431,556	TOTAL LIABILITIES AND EQUITY	P	5,714,829	P	5,431,556
36	0.00 0.00			0.00		0.00
37	CONTINGENT	CONTINGENT
38	Trust department accounts P 2,611,385 P 2,587,814	Trust department accounts	P	2,611,385	P	2,587,814
39	Unused commercial letters of credit 64,653 59,372	Unused commercial letters of credit		64,653		59,372
40	Outstanding guarantees issued 1,783 1,061	Outstanding guarantees issued		1,783		1,061
41	Export letters of credit confirmed 15,751 15,567	Export letters of credit confirmed		15,751		15,567
42	Bills for collection 29,184 23,777	Bills for collection		29,184		23,777
43	Late deposits/payments received 2,086 2,422	Late deposits/payments received		2,086		2,422
44	Spot Exchange Bought 27,274 4,842	Spot Exchange Bought		27,274		4,842
45	Spot Exchange Sold 21,578 21,904	Spot Exchange Sold		21,578		21,904
46	Forward Exchange Bought 350,156 277,490	Forward Exchange Bought		350,156		277,490
47	Forward Exchange Sold 355,249 270,356	Forward Exchange Sold		355,249		270,356
48	Interest Rate Swap Receivable 5,802 6,671	Interest Rate Swap Receivable		5,802		6,671
49	Interest Rate Swap Payable 5,802 6,671	Interest Rate Swap Payable		5,802		6,671
50	Other Contingent Accounts 1,080,770 941,094	Other Contingent Accounts		1,080,770		941,094

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

BS — PDF page 6

Camelot table (pages 6, primary page 6).

#	Joined label	Line item	P	2026	P	2025
0	For the three-month period ending			For the three-month period ending
1	March 31, 2026 March 31, 2025			March 31, 2026		March 31, 2025
2	INTEREST INCOME ON	INTEREST INCOME ON
3	Loans and Other Receivables P 63,487 P 57,792	Loans and Other Receivables	P	63,487	P	57,792
4	Trading and Investment Securities 12,652 10,754	Trading and Investment Securities		12,652		10,754
5	Due from BSP and Other Banks 1,278 1,144	Due from BSP and Other Banks		1,278		1,144
6	Others 38 37	Others		38		37
7	Total Interest Income 77,455 69,727	Total Interest Income		77,455		69,727
8	INTEREST EXPENSE ON	INTEREST EXPENSE ON
9	Deposit Liabilities 19,285 18,191	Deposit Liabilities		19,285		18,191
10	Bills Payable and Other Borrowings 4,873 3,531	Bills Payable and Other Borrowings		4,873		3,531
11	Finance Lease Liabilities 268 249	Finance Lease Liabilities		268		249
12	Total Interest Expense 24,426 21,971	Total Interest Expense		24,426		21,971
13	NET INTEREST INCOME 53,029 47,756	NET INTEREST INCOME		53,029		47,756
14	IMPAIRMENT LOSSES (RECOVERIES) - Net	IMPAIRMENT LOSSES (RECOVERIES) - Net
15	Financial Assets 6,067 2,855	Financial Assets		6,067		2,855
16	Non-financial Assets 85 203	Non-financial Assets		85		203
17	Others (4) (29)	Others		(4)		(29)
18	6,148 3,029			6,148		3,029
19	NET INTEREST INCOME AFTER IMPAIRMENT	NET INTEREST INCOME AFTER IMPAIRMENT
20	LOSSES (RECOVERIES) 46,881 44,727	LOSSES (RECOVERIES)		46,881		44,727
21	OTHER OPERATING INCOME	OTHER OPERATING INCOME
22	Service Charges, Fees and Commissions 13,963 13,556	Service Charges, Fees and Commissions		13,963		13,556
23	Trading Gain(Loss) - Net 186 915	Trading Gain(Loss) - Net		186		915
24	Trust Fees 1,549 1,372	Trust Fees		1,549		1,372
25	Foreign Exchange Gain 1,635 721	Foreign Exchange Gain		1,635		721
26	Miscellaneous – Net 2,434 2,047	Miscellaneous – Net		2,434		2,047
27	Total Other Operating Income 19,767 18,611	Total Other Operating Income		19,767		18,611
28	INCOME ATTRIBUTABLE TO INSURANCE OPERATIONS - Net 2,126 1,669	INCOME ATTRIBUTABLE TO INSURANCE OPERATIONS - Net		2,126		1,669
29	OTHER OPERATING EXPENSES	OTHER OPERATING EXPENSES
30	Compensation and Benefits 17,188 15,316	Compensation and Benefits		17,188		15,316
31	Occupancy 3,304 3,120	Occupancy		3,304		3,120
32	Taxes and licenses 5,019 4,564	Taxes and licenses		5,019		4,564
33	Security, Clerical, Messengerial and Janitorial 1,579 1,376	Security, Clerical, Messengerial and Janitorial		1,579		1,376
34	Insurance 2,269 2,113	Insurance		2,269		2,113
35	Advertising 1,381 1,895	Advertising		1,381		1,895
36	Miscellaneous 12,708 12,474	Miscellaneous		12,708		12,474
37	Total Other Operating Expenses 43,448 40,858	Total Other Operating Expenses		43,448		40,858
38	PROFIT BEFORE TAX 25,326 24,149	PROFIT BEFORE TAX		25,326		24,149
39	TAX EXPENSE 5,144 4,377	TAX EXPENSE		5,144		4,377
40	NET PROFIT P 20,182 P 19,772	NET PROFIT	P	20,182	P	19,772
41	Attributable to:	Attributable to:
42	Shareholders of the Parent Bank P 20,112 P 19,704	Shareholders of the Parent Bank	P	20,112	P	19,704
43	Non-controlling Interests 70 68	Non-controlling Interests		70		68
44	P 20,182 P 19,772		P	20,182	P	19,772
45	Earnings Per Share:	Earnings Per Share:
46	Basic 3.69 3.63	Basic		3.69		3.63
47	Diluted 3.69 3.63	Diluted		3.69		3.63

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

CF

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

CF — PDF page 8

Camelot table (pages 8, primary page 8).

#	Joined label	Line item	P	Common Stock	P	Preferred → Stock	P	Additional → Paid-in	P	Treasury → Shares at	P	Surplus → Reserves	P	Other → Reserves	P
0	Additional Treasury							Additional		Treasury
1	Preferred Paid-in Shares at					Preferred		Paid-in		Shares at		Surplus		Other
2	Common Stock Stock Capital cost			Common Stock		Stock		Capital		cost		Reserves		Reserves
3	Balance at January 1, 2026 P 53,340 P 6,180 P 238,223 P - P	Balance at January 1, 2026	P	53,340	P	6,180	P	238,223	P	-	P	33,453	P	6	P
4	Transactions with owners	Transactions with owners
5	Issuance of shares during the year 6 65	Issuance of shares during the year		6				65
6	Options transferred during the year	Options transferred during the year										(101)
7	Options expensed during the year	Options expensed during the year										383
8	Cash Dividends	Cash Dividends
9	Total transactions with owners 6 - 65 -	Total transactions with owners		6		-		65		-		282		-
10	Total comprehensive income (loss)	Total comprehensive income (loss)
11	Transfer to/(from) Surplus Free	Transfer to/(from) Surplus Free
12	Appropriation of excess GLLP over ECL	Appropriation of excess GLLP over ECL										733
13	Other Reserves	Other Reserves										5
14	- - - -			-		-		-		-		738		-
15	Disposals of equity securities classified as FVOCI	Disposals of equity securities classified as FVOCI
16	Other adjustments	Other adjustments
17	Disposal of a Subsidiary	Disposal of a Subsidiary
18	Additional capital contribution to a subsidiary	Additional capital contribution to a subsidiary												(55)
19	- - - -			-		-		-		-		-		(55)
20	Balance at March 31, 2026 P 53,346 P 6,180 P 238,288 P - P	Balance at March 31, 2026	P	53,346	P	6,180	P	238,288	P	-	P	34,473	P	(49)	P
21	Balance at January 1, 2025 P 53,265 P 6,180 P 237,468 P (7,077) P	Balance at January 1, 2025	P	53,265	P	6,180	P	237,468	P	(7,077)	P	28,956	P	3	P
22	Transactions with owners	Transactions with owners
23	Issuance of shares during the year 5 53	Issuance of shares during the year		5				53
24	Options transferred during the year	Options transferred during the year										(87)
25	Options expensed during the year	Options expensed during the year										296
26	Cash Dividends	Cash Dividends
27	Total transactions with owners 5 - 53 -	Total transactions with owners		5		-		53		-		209		-
28	Total comprehensive income (loss)	Total comprehensive income (loss)
29	Transfer to/(from) Surplus Free	Transfer to/(from) Surplus Free
30	Appropriation of excess GLLP over ECL	Appropriation of excess GLLP over ECL										678
31	Other Reserves	Other Reserves										730
32	- - - -			-		-		-		-		1,408		-
33	Disposals of equity securities classified as FVOCI	Disposals of equity securities classified as FVOCI
34	Other Adjustments	Other Adjustments
35	Additional capital contribution to a subsidiary	Additional capital contribution to a subsidiary												145
36	- - - -			-		-		-		-		-		145
37	Balance at March 31, 2025 P 53,270 P 6,180 P 237,521 P (7,077) P	Balance at March 31, 2025	P	53,270	P	6,180	P	237,521	P	(7,077)	P	30,573	P	148	P

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

CF — PDF page 9

Camelot table (pages 9, primary page 9).

#	Joined label	Line item	P	2026	P	2025
0	2026 2025			2026		2025
Operating activities
1	CASH FLOWS FROM OPERATING ACTIVITIES	CASH FLOWS FROM OPERATING ACTIVITIES
2	Profit before tax P 25,326 P 24,149	Profit before tax	P	25,326	P	24,149
3	Adjustments for:	Adjustments for:
4	Interest income (77,455) (69,727)	Interest income		(77,455)		(69,727)
5	Interest received 83,903 71,276	Interest received		83,903		71,276
6	Interest paid (24,166) (23,242)	Interest paid		(24,166)		(23,242)
7	Interest expense 24,426 21,971	Interest expense		24,426		21,971
8	(Gain)/Loss from disposal of FVOCI (365) 36	(Gain)/Loss from disposal of FVOCI		(365)		36
9	(Gain)/Loss from disposal of Investment securities at amortized cost (1) 9	(Gain)/Loss from disposal of Investment securities at amortized cost		(1)		9
10	Impairment losses 6,148 3,029	Impairment losses		6,148		3,029
11	Employee stock option plan 378 292	Employee stock option plan		378		292
12	Depreciation and amortization 3,299 3,000	Depreciation and amortization		3,299		3,000
13	Share in net profit of associates (384) (353)	Share in net profit of associates		(384)		(353)
14	Fair value losses (gains) on Investment securities at FVTPL (1,271) 967	Fair value losses (gains) on Investment securities at FVTPL		(1,271)		967
15	Dividends received from Investment in Associates 605 242	Dividends received from Investment in Associates		605		242
16	Foreign exchange losses (gains) unrealized (13,484) 1,903	Foreign exchange losses (gains) unrealized		(13,484)		1,903
17	Income attributable to insurance operations - net (1,306) (718)	Income attributable to insurance operations - net		(1,306)		(718)
18	Net gains on sale of a Subsidiary (171)	Net gains on sale of a Subsidiary		(171)
19	Operating profit before changes in operating	Operating profit before changes in operating
20	resources and liabilities 25,482 32,834	resources and liabilities		25,482		32,834
21	Decrease (Increase) in:	Decrease (Increase) in:
22	Financial assets at FVTPL 4,688 4,829	Financial assets at FVTPL		4,688		4,829
23	Loans and other receivables (101,107) (33,207)	Loans and other receivables		(101,107)		(33,207)
24	Investment properties (408) (2,552)	Investment properties		(408)		(2,552)
25	Investment securities and other assets for life insurance contracts 1,388 (108)	Investment securities and other assets for life insurance contracts		1,388		(108)
26	Other resources (10,534) (2,772)	Other resources		(10,534)		(2,772)
27	Increase (Decrease) in:	Increase (Decrease) in:
28	Deposit liabilities 239,082 53,262	Deposit liabilities		239,082		53,262
29	Insurance contract and other liabilities for life insurance contracts 1,761 2,359	Insurance contract and other liabilities for life insurance contracts		1,761		2,359
30	Other liabilities (10,090) (28,988)	Other liabilities		(10,090)		(28,988)
31	Cash generated from (used in) operations 150,262 25,657	Cash generated from (used in) operations		150,262		25,657
32	Cash paid for income tax (2,219) (2,179)	Cash paid for income tax		(2,219)		(2,179)
33	Net Cash From (Used in) Operating Activities 148,043 23,478	Net Cash From (Used in) Operating Activities		148,043		23,478
Investing activities
34	CASH FLOWS FROM INVESTING ACTIVITIES	CASH FLOWS FROM INVESTING ACTIVITIES
35	Acquisitions of investment securities at amortized cost (105,964) (41,089)	Acquisitions of investment securities at amortized cost		(105,964)		(41,089)
36	Acquisitions of securities at FVOCI (245,423) (284,859)	Acquisitions of securities at FVOCI		(245,423)		(284,859)
37	Acquisitions of financial assets at FVOCI arising from life insurance contracts (23,693) (5,960)	Acquisitions of financial assets at FVOCI arising from life insurance contracts		(23,693)		(5,960)
38	Maturities of investment securities at amortized cost 71,675 23,999	Maturities of investment securities at amortized cost		71,675		23,999
39	Maturities of investment securities at amortized cost arising from life insurance contracts 271 8	Maturities of investment securities at amortized cost arising from life insurance contracts		271		8
40	Disposals of securities at FVOCI 138,725 278,349	Disposals of securities at FVOCI		138,725		278,349
41	Disposals of financial assets at FVOCI arising from life insurance contracts 20,661 2,997	Disposals of financial assets at FVOCI arising from life insurance contracts		20,661		2,997
42	Acquisitions of premises, furniture, fixture and equipment (3,043) (3,079)	Acquisitions of premises, furniture, fixture and equipment		(3,043)		(3,079)
43	Disposals of premises, furniture, fixture and equipment 22 27	Disposals of premises, furniture, fixture and equipment		22		27
44	Disposal of a Subsidiary 946 (40)	Disposal of a Subsidiary		946		(40)
45	Net Cash From (Used) in Investing Activities (145,823) (29,647)	Net Cash From (Used) in Investing Activities		(145,823)		(29,647)
Financing activities
46	CASH FLOWS FROM FINANCING ACTIVITIES	CASH FLOWS FROM FINANCING ACTIVITIES
47	Proceeds from bills payable 172,543 33,673	Proceeds from bills payable		172,543		33,673
48	Payments of bills payable (124,193) (48,731)	Payments of bills payable		(124,193)		(48,731)
49	Capital infusion from non-controlling interest 72	Capital infusion from non-controlling interest				72
50	Dividends paid (6,276) (5,682)	Dividends paid		(6,276)		(5,682)
51	Payments of lease liabilities (1,196) (1,139)	Payments of lease liabilities		(1,196)		(1,139)
52	Proceeds from issuance of common stock 71 58	Proceeds from issuance of common stock		71		58
53	Net Cash From (Used in) Financing Activities 40,949 (21,749)	Net Cash From (Used in) Financing Activities		40,949		(21,749)
54	NET INCREASE (DECREASE) IN CASH	NET INCREASE (DECREASE) IN CASH
55	AND CASH EQUIVALENTS P 43,169 P (27,918)	AND CASH EQUIVALENTS	P	43,169	P	(27,918)
56	CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
57	Cash and other cash items 119,359 109,744	Cash and other cash items		119,359		109,744
58	Due from Bangko Sentral ng Pilipinas 209,827 249,593	Due from Bangko Sentral ng Pilipinas		209,827		249,593
59	Due from other banks 108,793 88,260	Due from other banks		108,793		88,260
60	Investment Securities at Amortized Cost 2,922 3,545	Investment Securities at Amortized Cost		2,922		3,545
61	Reverse repurchase agreements 23,170 25,463	Reverse repurchase agreements		23,170		25,463
62	Interbank Loans Receivable 40,827 61,844	Interbank Loans Receivable		40,827		61,844
63	FCNC 11,595 10,301	FCNC		11,595		10,301
64	Investment securities and other assets for life assurance contracts 272 5	Investment securities and other assets for life assurance contracts		272		5
65	516,765 548,755			516,765		548,755
66	CASH AND CASH EQUIVALENTS AT END OF THE PERIOD	CASH AND CASH EQUIVALENTS AT END OF THE PERIOD
67	Cash and other cash items 84,820 81,701	Cash and other cash items		84,820		81,701
68	Due from Bangko Sentral ng Pilipinas 276,147 270,749	Due from Bangko Sentral ng Pilipinas		276,147		270,749
69	Due from other banks 120,173 61,494	Due from other banks		120,173		61,494
70	Investment Securities at Amortized Cost 6,769 1,317	Investment Securities at Amortized Cost		6,769		1,317
71	Reverse repurchase agreements 5,501 12,824	Reverse repurchase agreements		5,501		12,824
72	Interbank Loans Receivable 59,303 86,858	Interbank Loans Receivable		59,303		86,858
73	FCNC 7,216 5,889	FCNC		7,216		5,889
74	Investment securities and other assets for life assurance contracts 5 5	Investment securities and other assets for life assurance contracts		5		5
75	P 559,934 P 520,837		P	559,934	P	520,837
76	0.00 0.00			0.00		0.00

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

Formulas used

• Net debt: debt_short + debt_long + other_financial_liabilities + non_controlling_interest − cash (mln); [DeepSeek] net_debt (mln PHP, batch apply)
• EBITDA: computed as operating_profit + da