BDO’s net income up 4% to $1.07b in 9M 2025

Deposits and loans grew during the period.

BDO Unibank, Inc. (BDO) reported a net income of PHP63.1b (almost $1.07b) in the first nine months of 2025, a 4% increase from a year earlier, its latest bourse filing showed.

The Philippine bank’s net interest income (NII) grew by 8% on the back of gross customer loans rising by 14% to $59.16b (PHP3.5t).

Deposits rose by 10%, with a current account/savings account (CASA) ratio of 67%.

Non-interest income (NoII) rose by 14% thanks to a 15% growth in fee-based businesses, BDO said.

Its non-performing loan (NPL) ratio is at 1.77% as of end-September 2025, whilst NPL coverage is at 134%.

BDO expects the Philippines to demonstrate continued resilience despite global trade uncertainties from higher US tariffs and local political issues. It also noted that the local economy will be supported by stable inflation and strong domestic consumption.

“Meanwhile, the Bank’s robust capital foundation and diversified business portfolio position it well to navigate current risks and capitalize on emerging growth prospects,” BDO said in its financial results statement published on 27 October 2025.

(US$1 = PHP59.16; as of 29 October 2025, Morningstar via Google)