BDO Unibank, Inc. delivered a strong performance in 2025 and reported a record ₱87.2 billion in net income, up 6 percent from the previous year, highlighting steady growth in its core businesses.
The bank’s earnings were supported by a 13 percent rise in gross loans to ₱3.7 trillion, driven by double-digit expansion across corporate, middle-market, and consumer segments. Deposits also grew 10 percent, with a healthy 68 percent share coming from low-cost current and savings accounts. Net interest income increased 9 percent, while non-interest income and insurance operations both posted solid gains.
Asset quality improved during the year, with the non-performing loan (NPL) ratio declining to 1.68 percent from 1.83 percent. The bank maintained strong buffers, with NPL coverage at 133 percent. Profitability remained sound, with return on average common equity at 14.4 percent.
BDO’s capital base strengthened further. Shareholders’ equity rose 12 percent, book value per share increased 11 percent to ₱119.03, and the CET1 ratio stood at 13.8 percent, indicating stable capital levels to support future expansion.
In line with its sustainability agenda, BDO raised a record ₱115 billion through its fourth peso-denominated ASEAN Sustainability Bond in July 2025. Proceeds will fund eligible green and social projects, support lending activities, and diversify funding sources.
With solid earnings, improving asset quality, and strong capitalization, BDO is well-positioned to sustain growth and play a significant role in financing business expansion and economic development in the Philippines in the years ahead.
