Union Bank of the Philippines Balance Sheet Health
Financial Health criteria checks 4/6
Union Bank of the Philippines has total assets of ₱1,145.1B and total equity of ₱175.6B. Total deposits are ₱712.6B, and total loans are ₱489.9B earning a Net Interest Margin of 5.5%. It has insufficient allowance for bad loans, which are currently at 6.7% of total loans. Cash and short-term investments are ₱94.0B.
Key information
6.5x
Asset to equity ratio
5.5%
Net interest margin
Total deposits | ₱712.57b |
Loan to deposit ratio | Appropriate |
Bad loans | 6.7% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | ₱94.02b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UBP's Assets to Equity ratio (6.5x) is low.
Allowance for Bad Loans: UBP has a low allowance for bad loans (56%).
Low Risk Liabilities: 73% of UBP's liabilities are made up of primarily low risk sources of funding.
Loan Level: UBP has an appropriate level of Loans to Assets ratio (43%).
Low Risk Deposits: UBP's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: UBP has a high level of bad loans (6.7%).