BDO posts record P87.2 billion profit in 2025

February 28, 2026 | 12:00am

MANILA, Philippines — Sy-led BDO Unibank Inc. booked a record net income of P87.2 billion in 2025, six percent higher than the P82 billion a year earlier, driven by sustained expansion in its core businesses and steady loan growth across market segments.

The country’s largest bank said return on average common equity stood at 14.4 percent, reflecting continued profitability amid a still evolving interest rate environment and steady demand for credit.

Net interest income rose by nine percent as gross customer loans expanded by 13 percent to P3.7 trillion.

BDO attributed the increase to double-digit growth across all market segments, signaling what it described as a balanced growth strategy.

Deposits likewise increased by 10 percent, with current and savings accounts accounting for 68 percent of the total deposit base, supporting funding stability and margins.

Non-interest income climbed by nine percent, while income from insurance operations grew by 10 percent.

Asset quality continued to improve, with the bank’s non-performing loan ratio declining to 1.68 percent from 1.83 percent in the previous year. NPL coverage stood at 133 percent, indicating stronger provisioning buffers against potential credit losses. 

The lender’s capital position remained stable, with a common equity tier 1 ratio of 13.8 percent. Shareholders’ equity rose by 12 percent on sustained earnings growth, lifting book value per share by 11 percent to P119.03.

In 2025, BDO also expanded its sustainability financing activities through the issuance of its fourth peso-denominated ASEAN Sustainability Bond in July, raising a record P115 billion.

The proceeds will fund eligible assets under the bank’s sustainable finance framework, support lending activities and diversify funding sources.

“BDO’s market leadership and robust business franchise, supported by a strong balance sheet and solid financial performance, position the bank well to capture long?term growth opportunities and emerging prospects,” the lender said.

BDO has the country’s largest distribution network, with over 1,800 consolidated operating branches and more than 6,000 ATMs nationwide.