BDO Unibank, Inc. reported a record net income of ₱87.2 billion in 2025, marking a 6 percent increase from ₱82.0 billion in 2024, driven by the continued expansion of its core businesses.
The bank’s Return on Average Common Equity (ROCE) stood at 14.4 percent for the year.
Net interest income grew by 9 percent as gross customer loans surged 13 percent to ₱3.7 trillion, supported by double-digit growth across all market segments. The bank said this reflects its balanced growth strategy. Total deposits likewise increased by 10 percent, with the Current Account/Savings Account (CASA) ratio at 68 percent.
Non-interest income rose by 9 percent, while income from insurance operations climbed 10 percent, contributing to overall earnings growth.
Asset quality further improved during the year, with the non-performing loan (NPL) ratio declining to 1.68 percent from 1.83 percent in 2024. NPL coverage strengthened to 133 percent.
Shareholders’ equity expanded by 12 percent on the back of sustained profitability, lifting Book Value Per Share by 11 percent to ₱119.03. The bank’s Common Equity Tier 1 (CET1) ratio remained stable at 13.8 percent.
In line with its sustainability thrust, BDO successfully issued its fourth peso-denominated ASEAN Sustainability Bond in July 2025, raising a record ₱115 billion. Proceeds will fund eligible assets under the bank’s Sustainable Finance Framework, support lending activities, and further diversify funding sources.
BDO said its market leadership, strong balance sheet, and solid financial performance position the bank to capture long-term growth opportunities and emerging prospects.
