BDO income climbs to PHP 63.1 billion in first nine months
BDO Unibank Inc. (BDO) posted a consolidated net income of PHP 63.1 billion in the first nine months of 2025, up 4 percent from PHP 60.6 billion a year earlier, driven by the sustained performance of its core businesses and continued expansion of its lending portfolio. The bank’s return on average common equity (ROCE) stood

By Staff Writer

BDO Unibank Inc. (BDO) posted a consolidated net income of PHP 63.1 billion in the first nine months of 2025, up 4 percent from PHP 60.6 billion a year earlier, driven by the sustained performance of its core businesses and continued expansion of its lending portfolio.
The bank’s return on average common equity (ROCE) stood at 14.1 percent during the period, reflecting efficient capital utilization and consistent profitability amid a challenging operating environment.
Net interest income grew 8 percent, supported by a 14 percent increase in gross customer loans to PHP 3.5 trillion, reflecting strong double-digit growth across all market segments.
Deposits expanded 10 percent, anchored by a stable funding base, with current and savings accounts (CASA) making up 67 percent of total deposits.
Non-interest income rose 14 percent, fueled by a 15 percent increase in fee-based businesses, demonstrating the bank’s diversified revenue streams beyond traditional lending.
BDO said its asset quality remained stable, with the non-performing loan (NPL) ratio steady at 1.77 percent and NPL coverage ratio at 134 percent, underscoring prudent credit risk management.
Shareholders’ equity rose 10 percent on the back of sustained profitability, lifting the bank’s book value per share by 10 percent to PHP 116.42.
The bank’s capital position also strengthened, with its Common Equity Tier 1 (CET1) ratio improving to 14.4 percent from 14.1 percent a year earlier, well above regulatory requirements.
BDO attributed its consistent growth to the solid performance of its core segments — consumer, corporate, and SME lending — alongside continued investments in technology, branch expansion, and digital transformation.
The bank said its wide-reaching distribution network remains a key strength, with more than 1,800 operating branches and over 5,900 ATMs nationwide, complemented by 15 international offices across Asia, Europe, North America, and the Middle East.
It added that investments in digital banking solutions have made services “easier, faster, and more secure” for clients, while enhancing operational efficiency.
BDO said it continues to see opportunities for growth as the Philippine economy remains resilient despite external headwinds such as global trade tensions and elevated U.S. tariffs.
“The Philippines is expected to demonstrate continued resilience despite global trade uncertainties from higher U.S. tariffs and local political issues, supported by stable inflation and strong domestic consumption,” the bank said.
It added that its strong capital base and diversified business portfolio position it well to manage risks and capitalize on emerging growth prospects in the domestic and regional markets.
Analysts have described BDO’s performance as a reflection of its robust balance sheet and disciplined management approach, which allows it to sustain growth even in periods of macroeconomic volatility.
BDO remains the largest bank in the Philippines in terms of total assets, loans, deposits, and trust funds under management, based on published statements of condition as of June 30, 2025.
The bank continues to focus on broadening access to financial services through its universal banking platform, which includes treasury, trust, investment banking, rural banking, microfinance, leasing and finance, remittance, insurance, and credit card services.
BDO is regulated by the Bangko Sentral ng Pilipinas and is a member of the Philippine Deposit Insurance Corporation (PDIC), which insures deposits up to PHP 1 million per depositor.
Its performance through the first nine months of the year underscores the continued strength of the Philippine banking sector, which remains a key driver of the country’s post-pandemic recovery.
BDO said it remains committed to supporting national economic growth through sustained lending to key sectors, digital innovation, and customer-centric financial solutions aimed at enhancing financial inclusion across the country.
As global economic conditions evolve, BDO said it will maintain a disciplined approach to risk management while pursuing sustainable growth strategies to deliver long-term value for its shareholders and clients.
For customer concerns, BDO encouraged clients to visit any of its branches or contact the bank through the Consumer Assistance page on its official website at www.bdo.com.ph.
The bank said it will continue to leverage its scale, expertise, and technological investments to ensure it remains the preferred financial partner for individuals and businesses across the Philippines and abroad.
Article Information
Comments (0)
LEAVE A REPLY
No comments yet
Be the first to share your thoughts!
Related Articles

PH can avoid PHP 1.7 billion in fuel imports with 2030 solar push
By Francis Allan L. Angelo The Philippines could avoid roughly PHP 1.7 billion (USD 28 million) in coal and gas import costs by hitting its 2030 solar capacity target, according to a new analysis released on May 4 by international research group Zero Carbon Analytics (ZCA). The findings position renewable energy as both an immediate


