𝐿𝑜𝑎𝑛𝑠 𝑢𝑝 14%, 𝑎𝑠𝑠𝑒𝑡 𝑞𝑢𝑎𝑙𝑖𝑡𝑦 𝑟𝑒𝑚𝑎𝑖𝑛𝑠 𝑠𝑡𝑎𝑏𝑙𝑒

BDO Unibank, Inc. (BDO) posted a net income of ₱63.1 billion for the first nine months of 2025, up 4% from ₱60.6 billion in the same period last year, driven by the sustained performance of its core businesses. The bank’s Return on Average Common Equity (ROCE) stood at 14.1%.

Net interest income rose by 8% as gross customer loans expanded by 14% to ₱3.5 trillion, supported by double-digit growth across all market segments. Deposits increased by 10%, maintaining a strong Current Account/Savings Account (CASA) ratio of 67%.

Non-interest income climbed 14%, boosted by a 15% increase in fee-based businesses. Asset quality remained stable, with a Non-Performing Loan (NPL) ratio of 1.77% and NPL coverage of 134%.

Shareholders’ equity grew by 10% on sustained profitability, raising Book Value Per Share to ₱116.42. The bank’s Common Equity Tier 1 (CET1) ratio also strengthened to 14.4% from 14.1% last year.

BDO said the Philippine economy is expected to remain resilient despite global trade tensions and domestic political issues, citing stable inflation and robust consumer spending. The bank added that its solid capital base and diversified business portfolio position it well to manage risks and pursue growth opportunities.