BDO posts record P87.2B profit in 2025
MANILA, Philippines — BDO Unibank Inc. reported a record net income of P87.2 billion in 2025, up 6 percent from P82 billion the year before, driven by the continued expansion of its core businesses, according to a disclosure released on Friday.
The Sy family-led bank said its return on average common equity stood at 14.4 percent, reflecting sustained profitability amid steady growth in lending and deposits.
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Gross customer loans climbed 13 percent to P3.7 trillion, supported by double-digit growth across all market segments.
Net interest income rose 9 percent on the back of higher lending volumes, while total deposits increased by 10 percent. The bank maintained a strong deposit base, with its current account and savings account ratio at 68 percent.
Non-interest income also grew 9 percent, with insurance operations contributing a 10-percent increase.
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Asset quality improved during the year, with the non-performing loan (NPL) ratio declining to 1.68 percent from 1.83 percent previously. The bank’s NPL coverage stood at 133 percent, indicating adequate provisioning against potential credit losses.
BDO’s capital position remained solid, with its common equity tier 1 ratio at 13.8 percent. Shareholders’ equity expanded by 12 percent, while book value per share increased 11 percent to P119.03. INQ
