BDO Unibank Inc. said Monday its net income in the first nine months of 2025 reached P63.1 billion, a 4-percent increase from P60.6 billion in the same period last year.
The bank, in a disclosure to the Philippine Stock Exchange, attributed the growth to the sustained performance of its core businesses as well as investments in technology and branch expansion.
Net income in the third quarter reached P22.4 billion, or 3-percent higher than P21.76 billion recorded a year ago.
BDO reported strong fundamentals driving the performance, with net interest income climbing 8 percent. This was supported by a 14-percent rise in gross customer loans to P3.5 trillion, with double-digit growth across all market segments.
Deposits also grew 10 percent, maintaining the current account/savings account (CASA) ratio at 67 percent.
Non-interest income also climbed 14 percent on the back of a a 15-percent expansion in fee-based businesses.
The bank’s asset quality remained stable, with the non-performing loan (NPL) ratio at 1.77 percent and NPL coverage at 134 percent.
Shareholders’ equity grew 10 percent on continued profitable operations, bringing the book value per share up 10 percent to P116.42.
The common equity tier 1 (CET1) ratio improved to 14.4 percent from 14.1 percent a year earlier. Return on average common equity stood at 14.1 percent during the period.
BDO said it expects the Philippine economy to remain resilient despite global trade uncertainties and local political challenges, supported by stable inflation and strong domestic consumption.
The bank said its solid capital position and diversified business portfolio would help it navigate risks and seize emerging growth opportunities.
