BDO Unibank, Inc. delivered a net income of P40.6 billion in the first half of 2025, reflecting a 3 percent year-on-year growth fueled by the steady performance of its core businesses.

The bank’s latest financial results show a strong foundation in lending and deposit growth, with Gross Customer Loans reaching P3.4 trillion, up by 14 percent. This growth spanned across various market segments. Deposits also rose by 8 percent to surpass the P4 trillion mark, maintaining a healthy Current Account/Savings Account (CASA) ratio of 69 percent.

Net interest income saw a 7 percent rise, while non-interest income climbed 15 percent, with notable contributions from fee-based services and insurance operations. These helped drive overall revenue upward despite higher spending in technology and market expansion. According to BDO, "Earnings growth was tempered by the continuing investments in market coverage and IT spending for operational efficiency."

Asset quality continued to improve as the Non-Performing Loan (NPL) ratio dropped to 1.75 percent. NPL coverage remained robust at 140 percent. Shareholders also saw stronger returns, with equity increasing by 12 percent and Book Value Per Share rising to P113.04. Return on Average Common Equity stood at 13.9 percent during the period.

As part of its sustainability strategy, BDO is preparing to issue its fourth ASEAN Sustainability Bonds on 29 July with a minimum offer size of P5 billion. The offering, originally set to run until 22 July, was cut short on 14 July due to "strong demand from both retail and institutional investors." The bank said net proceeds will be used "to finance and/or refinance eligible projects and further support the growth of the Bank’s sustainable portfolio."

Looking ahead, BDO remains cautiously optimistic despite global challenges. "Amid global uncertainties arising from geopolitical tensions and the imposition of US tariffs, the Philippines is expected to remain resilient, supported by its consumer-driven economy and sustained domestic demand," the bank said.

With a strong capital base and diversified operations, BDO is positioning itself to weather risks and take advantage of opportunities in a volatile global landscape.