Is Union Bank of the Philippines halal to invest in?

As of July 2026, Union Bank of the Philippines UBP.PM is classified as not covered according to Musaffa’s Shariah screening methodology. This classification is based on an assessment of the company’s business activities and financial ratios against Islamic investment guidelines.

Is Union Bank of the Philippines a Shariah-compliant stock?

A stock is Shariah-compliant if the company operates in permissible business activities and meets Islamic financial screening thresholds. Musaffa analyzes Union Bank of the Philippines using these criteria to determine its compliance status.

Can Muslims buy shares of Union Bank of the Philippines?

Muslim investors may consider investing in Union Bank of the Philippines if it meets Shariah compliance standards. Investors typically review the company's business activities, debt levels, and non-permissible income before making a decision.

Why is Union Bank of the Philippines classified as NOT COVERED?

Musaffa determines the Shariah status of Union Bank of the Philippines by analyzing whether the company's core business operations are permissible and whether its financial ratios fall within accepted Islamic thresholds.

How often is the Shariah compliance for Union Bank of the Philippines updated?

The Shariah compliance status of Union Bank of the Philippines may be updated periodically when new financial statements, earnings reports, or business activity information become available.

Can a halal stock like Union Bank of the Philippines become non-compliant?

Yes. A stock that is currently Shariah-compliant may become non-compliant if the company's financial ratios exceed Shariah thresholds or its business activities change.

Where can I check the Shariah status of Union Bank of the Philippines?

You can check the latest Shariah compliance status of Union Bank of the Philippines on Musaffa's stock page, where screening results and key financial indicators are updated to help Muslim investors make informed decisions.

Union Bank of the Philippines UBP.PM

Last Updated: Jul 17, 12:00 AM·PSE

Union Bank of the Philippines. Stock Analysis UBP.PM

Philippines Financials Small Cap

Union Bank of the Philippines engages in the provision of financial and banking services. The Bank’s segment includes Consumer Banking, Institutional Banking, Mass Market/Digital Banking, Treasury Banking, and Trust and Insurance. Consumer Banking segment handles individual customer deposits, funds transfer facilities, and provides consumer type loans, such as personal loans and credit card facilities. Institutional Banking segment handles loans and other credit facilities and deposit and current accounts for corporate, institutional, and small and medium enterprises. Mass Market/Digital Banking segment provides a range of mass market financial products and services, such as salary loans, pension loans, and seafarer loans. Digital Banking offers retail financial products, including deposits and loans. Treasury Banking segment manages the Bank’s liquidity and funding requirements. Trust and Insurance segment handles trust, asset management and fiduciary services.

Shariah Compliance Report

An extensive business and financial screening of the company which specifies why a stock is halal or haram!