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 ₱514.8B earning a Net Interest Margin of 5.5%. It has insufficient allowance for bad loans, which are currently at 9.8% 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 | 9.8% |
| 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 (45%).
Low Risk Deposits: UBP's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: UBP has a high level of bad loans (9.8%).