BDO posts PHP 87.2 billion net income

BDO Unibank Inc. reported a record net income of PHP 87.2 billion in 2025, up 6% from PHP 82.0 billion a year earlier, as earnings rose on the strength of its core businesses.

The bank said its return on average common equity stood at 14.4% for the period.

Net interest income increased 9% as gross customer loans grew 13% to PHP 3.7 trillion, supported by double-digit expansion across all market segments.

BDO said total deposits rose 10%, with its current account and savings account ratio at 68%.

Non-interest income increased 9%, while income from insurance operations climbed 10%, the bank said.

Asset quality improved as the nonperforming loan ratio declined to 1.68% from 1.83% in the previous year.

The bank said its nonperforming loan coverage stood at 133%.

Shareholders’ equity increased 12% on sustained profitability, with book value per share rising 11% to PHP 119.03, the bank said.

BDO said its common equity tier 1 ratio was 13.8%, reflecting what it described as a stable capital position.

In July 2025, BDO said it advanced its sustainability initiatives through the successful issuance of its fourth peso-denominated ASEAN Sustainability Bond.

The issuance raised PHP 115 billion, which BDO said will fund eligible assets under the bank’s Sustainable Finance Framework, support lending activities, and diversify funding sources.

BDO, the country’s largest bank by assets, has been among the lenders expanding credit while managing asset quality as borrowers adjust to still-elevated interest rates and shifting demand across corporate, small business, and consumer segments.

The bank said its market leadership and robust business franchise, backed by a strong balance sheet and solid financial performance, position it to capture long-term growth opportunities and emerging prospects.