BDO Unibank Inc. (BDO) sustained its upward momentum as it reported a net income of P63.1 billion in the first nine months of 2025, marking a 4-percent increase from P60.6 billion a year ago.

The bank attributed the growth to the steady performance of its core business segments and continued expansion in lending and deposit activities.

The country’s largest bank posted a Return on Average Common Equity (ROCE) of 14.1 percent for the period, underscoring strong profitability amid global and domestic economic headwinds.

Double-digit growth

BDO’s net interest income rose by eight percent as gross customer loans expanded 14 percent to P3.5 trillion, reflecting double-digit growth across all market segments.

Deposits likewise grew by 10 percent, maintaining a Current Account/Savings Account (CASA) ratio of 67 percent.

Meanwhile, non-interest income improved by 14 percent, supported by a 15-percent rise in fee-based businesses.

The bank’s asset quality remained stable, with a non-performing loan ratio of 1.77 percent and NPL coverage of 134 percent.

On the balance sheet front, shareholders’ equity increased by 10 percent on the back of continued profitability. Book Value Per Share rose by 10 percent to P116.42, while the Common Equity Tier 1 ratio stood at 14.4 percent, higher than last year’s 14.1 percent, reflecting a solid capital base.

Good position

Because of its strong capital and diversified business portfolio, the bank is in a good position to navigate global uncertainties — including the impact of higher US tariffs and domestic political issues — while taking advantage of growth opportunities in the local market.

With stable inflation and resilient consumer demand supporting the Philippine economy, the bank reaffirmed its commitment to “finding ways for the Filipino” through continuous investments in technology and branch expansion to serve more customers nationwide.