BDO Unibank, Inc. (BDO) recorded a net income of PHP63.1 billion in the first nine months of 2025, an increase by 4 percent from PHP60.6 billion last year, on sustained performance of its core business segments. Return on Average Common Equity (ROCE) stood at 14.1 percent for the period.
Net Interest Income grew by 8 percent as Gross Customer Loans climbed by 14 percent to PHP3.5 trillion on broad-based growth across all market segments. Deposits also expanded by 10 percent, with a Current Account/Savings Account (CASA) ratio of 67 percent. Non-interest income rose by 14%, fueled by a 15 percent growth in fee-based businesses.
Asset quality remained stable, with Non-Performing Loan (NPL) ratio at 1.77 percent, and NPL coverage at 134 percent.
Shareholders’ equity increased by 10 percent on continued profitable operations, with Book Value Per Share up by 10 percent to PHP116.42. The Bank’s CET1 ratio was higher at 14.4 percent, vs. 14.1 percent last year.
The Philippines is expected to demonstrate continued resilience despite global trade uncertainties from higher U.S. tariffs and local political issues, supported by stable inflation and strong domestic consumption.
Meanwhile, the Bank’s robust capital foundation and diversified business portfolio position it well to navigate current risks and capitalize on emerging growth prospects.
