Union Bank of the Philippines Balance Sheet Health
Financial Health criteria checks 4/6
Union Bank of the Philippines has total assets of ₱1,146.8B and total equity of ₱193.1B. Total deposits are ₱652.6B, and total loans are ₱523.2B earning a Net Interest Margin of 5.5%. It has insufficient allowance for bad loans, which are currently at 9.7% of total loans. Cash and short-term investments are ₱75.0B.
Key information
5.9x
Asset to equity ratio
5.5%
Net interest margin
| Total deposits | ₱652.63b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 9.7% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ₱75.01b |
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 (5.9x) is low.
Allowance for Bad Loans: UBP has a low allowance for bad loans (56%).
Low Risk Liabilities: 68% 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 (46%).
Low Risk Deposits: UBP's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: UBP has a high level of bad loans (9.7%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/21 21:21 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Union Bank of the Philippines is covered by 13 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Joahnna Soriano | BofA Global Research |
| Alfred Dy | CLSA |
| Charles William Ang | COL Financial Group, Inc |