BDO Unibank Achieves Record P87.2 Billion Net Income in 2025
BDO Unibank, Inc. (BDO) has announced a historic net income of P87.2 billion for the year 2025, setting a new record for the financial institution. This impressive figure represents a significant 6% increase from the previous year's earnings of P82.0 billion, reflecting a growth of P5.2 billion. The bank's Return on Average Common Equity (ROCE) was reported at 14.4% for the period, underscoring its robust profitability and efficient use of shareholder capital.
Strong Growth in Core Business Segments
The record-breaking performance was primarily driven by the sustained success of BDO's core business operations. Net Interest Income saw a notable rise of 9%, supported by a substantial expansion in Gross Customer Loans, which grew by 13% to reach ₱3.7 trillion. This growth was observed across all market segments, with each contributing double-digit increases. Additionally, total deposits increased by 10%, maintaining a healthy Current Account/Savings Account (CASA) ratio of 68%.
Non-interest income also contributed to the overall financial strength, rising by 9%, while income from insurance operations experienced a 10% uptick. These figures highlight the bank's diversified revenue streams and its ability to capitalize on various financial services.
Improved Asset Quality and Shareholder Value
BDO demonstrated significant improvements in asset quality during 2025. The Non-Performing Loan (NPL) ratio decreased to 1.68%, down from 1.83% in the previous year, indicating a healthier loan portfolio. The NPL coverage ratio stood at a robust 133%, providing a strong buffer against potential credit losses.
Shareholders benefited from the bank's profitable operations, with shareholders’ equity increasing by 12%. The Book Value Per Share rose by 11% to P119.03, reflecting enhanced value for investors. Furthermore, the Bank’s CET1 ratio was recorded at 13.8%, showcasing a solid capital position that supports future growth and stability.
Sustainability Initiatives and Future Prospects
In 2025, BDO advanced its commitment to sustainability with the successful issuance of its fourth Peso-denominated ASEAN Sustainability Bond in July. This initiative raised a record P115 billion, which will be used to fund eligible assets under the Bank’s Sustainable Finance Framework, support lending activities, and further diversify funding sources.
BDO's market leadership and robust business franchise, backed by a strong balance sheet and solid financial performance, position the bank well to seize long-term growth opportunities and emerging prospects. The bank's strategic focus on sustainability and financial excellence is expected to drive continued success in the coming years.
