BDO Unibank, Inc. reported a net income of ₱40.6 billion in the first half of 2025, marking a 3% increase from ₱39.4 billion in the same period last year. The earnings growth was powered by robust performance in its core businesses, despite heavy investments in market expansion and operational improvements.

Gross customer loans rose by 14% to ₱3.4 trillion, reflecting strong double-digit growth across all market segments. Deposits also grew by 8%, exceeding ₱4 trillion, with a CASA ratio of 69%. Net interest income increased by 7%, while non-interest income surged by 15%, supported by fee-based and insurance revenues.

Asset quality improved, with the Non-Performing Loan (NPL) ratio dropping to 1.75% and NPL coverage stable at 140%. Return on Average Common Equity stood at 13.9%. Shareholders’ equity rose by 12%, with Book Value Per Share increasing to ₱113.04. The bank’s capital ratio remained solid at 15.4%.

BDO is also set to issue its fourth ASEAN Sustainability Bonds on July 29, 2025, with a minimum issue size of ₱5 billion. Due to strong investor demand, the offering was closed ahead of schedule.

Despite global economic challenges, BDO remains confident in its resilience and capacity to manage risks, supported by a strong capital base and a diversified portfolio.