Highlights:
- Earnings grew by 6%, driven by expansion in core businesses; ROCE stands at 14.4%
- Gross loans increased by 13%, supported by double-digit growth across all market segments, reflecting a balanced growth strategy
- NPL ratio improved to 1.68% with NPL coverage at 133%
- Capital position remained stable with a CET1 ratio of 13.8%; Book Value Per Share rose 11% to ₱119.03
BDO Unibank, Inc. (BDO) delivered a record net income of ₱87.2 billion in 2025, a 6% increase from ₱82.0 billion last year driven by the solid performance of its core businesses. 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 ₱119.03. The Bank’s Common Equity Tier 1 (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. The issuance raised a record ₱115 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. END
About BDO BDO Unibank, Inc. (BDO) is a full-service universal bank which provides a wide range of corporate and retail services such as loan and deposit products, treasury, trust banking, investment banking, private banking, thrift banking and microfinance, cash management, leasing and finance, remittance, life insurance, property & casualty insurance brokerage, cash cards, credit cards, and online and non-online stock brokerage services. BDO has the country’s largest distribution network, with over 1,800 consolidated operating branches and more than 6,000 teller machines nationwide. It also has 15 international offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America and the Middle East. The Bank also offers digital banking solutions to make banking easier, faster, and more secure for its clients. BDO ranked as the largest bank in terms of total assets, loans, deposits and trust funds under management based on published statements of condition as of September 30, 2025. For concerns, please visit any BDO branch near you or reach us through any of the channels listed in the Consumer Assistance page of our website: https://www.bdo.com.ph/consumer-assistance. For more information, please visit www.bdo.com.ph.
BDO is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph). Deposits are insured by PDIC up to P1 Million per depositor.The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.