BDO Unibank achieved record-breaking financial results in 2025, marking another year of substantial growth and solidifying its position as a market leader.
The bank reported a net profit of P87.17 billion, a 6.28% increase from the P82.019 billion earned in 2024. This impressive performance underscores the strength of its core businesses and strategic initiatives.
While profitability soared, key efficiency metrics experienced a slight adjustment. Return on common equity settled at 14.4%, a decrease from 15.1% the previous year, and return on average resources dipped to 1.7% from 1.8%.
A significant driver of this success was an 8.85% surge in net interest income, reaching P203.10 billion. This growth was fueled by a substantial 13% expansion of its loan portfolio, hitting P3.7 trillion across all customer segments.
Despite the increased lending activity, the bank demonstrated improved asset quality. The nonperforming loan ratio decreased to 1.68% from 1.83%, indicating a healthier loan book and effective risk management.
Total deposits also experienced robust growth, rising by 10% to P4.19 trillion. A significant portion – 68% – consisted of low-cost current and savings account deposits, providing a stable funding base.
Non-interest income contributed significantly to the overall performance, increasing by 8.72% to P77.07 billion. The bank’s insurance operations also saw a healthy rise in income, climbing 10.45% to P7.56 billion.
The bank’s total resources grew by 11.27% to P5.43 trillion, reflecting its expanding scale and market presence. This growth was supported by a corresponding 11.56% increase in total equity, reaching P644.146 billion.
Operating expenses increased by 12.63% to P165.128 billion, a reflection of investments in future growth and maintaining a competitive edge. Despite this increase, the bank maintained a strong capital position.
The common equity Tier 1 ratio remained robust at 13.8%, demonstrating the bank’s ability to absorb potential losses and maintain financial stability. Market reaction to the results saw a slight dip in share price, closing at P137.30.
