BDO Unibank, Inc. (BDO) recorded a net income of P63.1 billion in the first nine months of 2025, a 4 percent increase from P60.6 billion last year, sustained by the strong performance of its core business segments. Return on Average Common Equity (ROCE) stood at 14.1 percent for the period.

Net interest income grew by 8 percent, as gross customer loans climbed by 14 percent to P3.5 trillion, reflecting broad-based growth across all market segments. Deposits also expanded by 10 percent, with a Current Account/Savings Account (CASA) ratio of 67 percent. Non-interest income rose by 14%, driven by a 15% growth in fee-based businesses.

Asset quality remained stable, with a Non-Performing Loan (NPL) ratio of 1.77 percent and NPL coverage at 134 percent.

Shareholders’ equity increased by 10 percent, supported by continued profitability, bringing Book Value Per Share to P116.42. The bank’s CET1 ratio rose to 14.4 percent, up from 14.1 percent last year.

BDO said the Philippine economy is expected to remain resilient amid global trade uncertainties and local political developments, backed by stable inflation and robust domestic consumption.

“The Bank’s solid capital foundation and diversified business portfolio position it well to navigate current risks and seize emerging growth opportunities,” the statement read.

Finding ways for the Filipino. BDO Unibank reported a net income of P63.1 billion in the first nine months of 2025, 4 percent higher than P60.6 billion last year.