BDO Unibank, Inc. (BDO) posted a record net income of P87.2 billion in 2025, due to sustained performance of its core business segments.
Last year's net income or earnings marks a 6% increase, up by P5.2 billion from P82.0 billion. Return on
Average Common Equity (ROCE) was reported at 14.4% for the period.
Net Interest Income increased by 9% as Gross Customer Loans expanded by 13% to ₱3.7 trillion, supported by double-digit growth across all market segments.
Total deposits grew by 10%, with a Current Account/Savings Account (CASA) ratio of 68%. Non-interest income rose
by 9%, while income from insurance operations went up by 10%.
Asset quality improved, with Non-Performing Loan (NPL) ratio declining to 1.68% from 1.83% in
the previous year. NPL coverage stood at 133%.
Shareholders’ equity increased by 12% on sustained profitable operations, with Book Value Per Share up by 11% to P119.03. The Bank’s CET1 ratio was recorded at 13.8%.
In 2025, BDO advanced its sustainability initiatives with the successful issuance of its fourth
Peso‑denominated ASEAN Sustainability Bond in July, raising a record P115 billion to fund eligible assets under the Bank’s Sustainable Finance Framework, support its lending activities, and further diversify its funding sources.
BDO’s market leadership and robust business franchise, supported by a strong balance sheet and solid financial performance, position the Bank well to capture long‑term growth
opportunities and emerging prospects.