BDO Unibank reported a record net income of ₱87.2 billion in 2025, up 6% from ₱82 billion the previous year, the lender disclosed to the stock market on Friday.
The country’s largest bank by assets attributed the growth to the strong performance of its core businesses. Return on Average Common Equity (ROCE) stood at 14.4%, supported by a 9% increase in net interest income.
Gross customer loans expanded 13% to ₱3.7 trillion, driven by double-digit growth across all market segments. Deposits rose 10%, maintaining a high Current Account/Savings Account (CASA) ratio of 68%. Non-interest income and insurance earnings also grew by 9% and 10%, respectively.
Asset quality improved, with the Non-Performing Loan (NPL) ratio declining to 1.68% from 1.83% a year earlier. NPL coverage remained strong at 133%.
Shareholders’ equity climbed 12%, pushing Book Value Per Share up 11% to ₱119.03. The bank also maintained a healthy Common Equity Tier 1 (CET1) ratio of 13.8%.
In July 2025, BDO issued its fourth peso-denominated ASEAN Sustainability Bond, raising a record ₱115 billion to fund eligible assets under its Sustainable Finance Framework, support lending activities, and diversify funding sources.
The Sy family-led lender said its “market leadership and robust business franchise” continue to position it to capture emerging growth opportunities in the regional market.