BDO Unibank Inc. (BDO), the country’s largest lender by assets, reported a net income of P63.1 billion in the first nine months of 2025, a 4 percent increase from P60.6 billion a year earlier, supported by steady growth across its core business segments. The bank’s Return on Average Common Equity stood at 14.1 percent.
Net interest income rose 8 percent as gross customer loans expanded 14 percent to P3.5 trillion, reflecting sustained demand from both corporate and consumer borrowers. Deposits climbed 10 percent, with the bank maintaining a 67 percent Current Account/Savings Account (CASA) ratio. Non-interest income increased 14 percent, driven by a 15 percent rise in fee-based businesses.
Asset quality remained sound, with the Non-Performing Loan (NPL) ratio at 1.77 percent and NPL coverage at 134 percent. Shareholders’ equity grew 10 percent on continued profitability, while Book Value Per Share also rose 10 percent to P116.42. The bank’s Common Equity Tier 1 (CET1) ratio improved to 14.4 percent from 14.1 percent last year.
BDO said it remains well-positioned to navigate a challenging external environment marked by global trade uncertainties and domestic political risks. The bank noted that stable inflation and resilient consumer spending continue to support the Philippine economy’s momentum.
“With a solid capital base and diversified business portfolio, BDO is in a strong position to capture growth opportunities and sustain profitability,” the bank said in a statement.
BDO, the main banking unit of the SM Group, continues to expand its digital banking and consumer platforms, aiming to enhance customer experience while reinforcing its leadership in the country’s financial industry.
