BDO UNIBANK, INC.

AND SUBSIDIARIES
STATEMENTS OF FINANCIAL POSITION
(Amounts in Millions of Philippine Pesos)
DECEMBER 31, 2022 AND 2021

RESOURCES
Notes 2022
CASH AND OTHER CASH ITEMS 8 82,944
DUE FROM BANGKO SENTRAL NG PILIPINAS 8 385,779
DUE FROM OTHER BANKS - Net 9 58,766
TRADING AND INVESTMENT SECURITIES - Net 10 722,830
LOANS AND OTHER RECEIVABLES - Net 11 2,696,901
PREMISES, FURNITURE, FIXTURES AND EQUIPMENT - Net 12, 13 46,471
INVESTMENT PROPERTIES - Net 14 21,158
OTHER RESOURCES - Net 15 59,859

TOTAL RESOURCES 4,074,708

LIABILITIES AND EQUITY

2022
DEPOSIT LIABILITIES 17 3,220,883
BILLS PAYABLE 18 198,891
INSURANCE CONTRACT LIABILITIES 20 64,363
OTHER LIABILITIES 21 129,114

Total Liabilities 3,613,251

EQUITY 22
Attribute to:
Shareholders of the Parent Bank 459,332
Non-Controlling Interests 2,125

TOTAL EQUITY 461,457

TOTAL LIABILITIES AND EQUITY 4,074,708

In summary, the overall resources of the entity grew by 12% annually to reach P4.1 trillion. Key increases include a 9% rise in loans to custome
INC. AND SUBSIDIARIES
OF FINANCIAL POSITION
lions of Philippine Pesos)
R 31, 2022 AND 2021

Horizontal Analysis Vertical Analysis

Increases or In (Decreases) In
2021 2022 2021
Amount and Percentage
69,105 13,839 20% 2% 2%
304,906 80,873 27% 9% 8%
70,092 -11,326 -16% 1% 2%
616,261 106,569 17% 18% 17%
2,450,903 245,998 10% 66% 68%
44,807 1,664 4% 1% 1%
18,795 2,363 13% 1% 1%
48,880 10,979 22% 1% 1% In summary, the overall resour

3,623,749 450,959 12% 100% 100%

Horizontal Analysis Vertical Analysis

Increases or In (Decreases) In
2021 2022 2021
Amount and Percentage
2,820,896 399,987 14% 79.05% 77.84% In summary, the overall resources of the en
204,431 -5,540 -3% 4.91% 5.64%
65,328 -965 -1% 1.78% 1.80%
108,546 20,568 19% 3.17%

3,199,201 414,050 13% 88.68% 88.28%

422,934 36,398 9% 11.27% 11.67%

1,614 511 32% 5.22% 4.45%

424,548 36,909 9% 11.32% 11.72%

3,623,749 450,959 12% 100% 100%

e a 9% rise in loans to customers (P2.6 trillion), a 17% increase in investments in securities (P722.8 billion), and a 27% growth in cash and additional cash item
 n summary, the overall resources of the entity grew by 12% annually to reach P4.1 trillion. Key increases include a 9% rise in loans to customer

In summary, the overall resources of the entity grew by 12% annually to reach P4.1 trillion. Key increases include a 9% rise in loans to customers (P2.6 trillio

, the overall resources of the entity grew by 12% annually to reach P4.1 trillion. Key increases include a 9% rise in loans to customers (P2.6 trillion), a 17% inc

in cash and additional cash items (P385.8 billion). Due to Other Banks decreased by 16% to P58.8 billion due to reduced employment rates. Profits from equ
 9% rise in loans to customers (P2.6 trillion), a 17% increase in investments in securities (P722.8 billion), and a 27% growth in cash and additional cash items

oans to customers (P2.6 trillion), a 17% increase in investments in securities (P722.8 billion), and a 27% growth in cash and additional cash items (P385.8 billio

mers (P2.6 trillion), a 17% increase in investments in securities (P722.8 billion), and a 27% growth in cash and additional cash items (P385.8 billion). Due to O

yment rates. Profits from equity investments rose by 6% to P5.5 billion, while investment properties increased by 13% to P21.2 billion. Deferred tax assets de
sh and additional cash items (P385.8 billion). Due to Other Banks decreased by 16% to P58.8 billion due to reduced employment rates. Profits from equity in

onal cash items (P385.8 billion). Due to Other Banks decreased by 16% to P58.8 billion due to reduced employment rates. Profits from equity investments ro

ms (P385.8 billion). Due to Other Banks decreased by 16% to P58.8 billion due to reduced employment rates. Profits from equity investments rose by 6% to

billion. Deferred tax assets decreased by 21%, primarily due to loan write-offs. Added Assets increased by 33% to P49.0 billion, driven by credit card debt an
t rates. Profits from equity investments rose by 6% to P5.5 billion, while investment properties increased by 13% to P21.2 billion. Deferred tax assets decreas

ts from equity investments rose by 6% to P5.5 billion, while investment properties increased by 13% to P21.2 billion. Deferred tax assets decreased by 21%, p

y investments rose by 6% to P5.5 billion, while investment properties increased by 13% to P21.2 billion. Deferred tax assets decreased by 21%, primarily due

driven by credit card debt and increased margin deposits. On the liabilities side, deposit liabilities increased by 14% to P3.2 trillion, with deposits growing by
. Deferred tax assets decreased by 21%, primarily due to loan write-offs. Added Assets increased by 33% to P49.0 billion, driven by credit card debt and incr

ax assets decreased by 21%, primarily due to loan write-offs. Added Assets increased by 33% to P49.0 billion, driven by credit card debt and increased margi

reased by 21%, primarily due to loan write-offs. Added Assets increased by 33% to P49.0 billion, driven by credit card debt and increased margin deposits. O

on, with deposits growing by 14%, 4%, and 64%. Additional debts grew 19% to P129.1 billion, influenced by rises in outstanding trade transaction acceptanc
by credit card debt and increased margin deposits. On the liabilities side, deposit liabilities increased by 14% to P3.2 trillion, with deposits growing by 14%,

rd debt and increased margin deposits. On the liabilities side, deposit liabilities increased by 14% to P3.2 trillion, with deposits growing by 14%, 4%, and 64%

increased margin deposits. On the liabilities side, deposit liabilities increased by 14% to P3.2 trillion, with deposits growing by 14%, 4%, and 64%. Additional

trade transaction acceptances and other payable accounts. All equity increased by 9% to P461.5 billion, reflecting ongoing profit-generatin
th deposits growing by 14%, 4%, and 64%. Additional debts grew 19% to P129.1 billion, influenced by rises in outstanding trade transaction acceptances and

growing by 14%, 4%, and 64%. Additional debts grew 19% to P129.1 billion, influenced by rises in outstanding trade transaction acceptances and other paya

4%, 4%, and 64%. Additional debts grew 19% to P129.1 billion, influenced by rises in outstanding trade transaction acceptances and other payable accounts
e transaction acceptances and other payable accounts. All equity increased by 9% to P461.5 billion, reflecting ongoing profit-generating