Top Philippine lender BDO Unibank, Inc. grew its profits in the first nine months of the year amid solid performance in its main banking operations and investments to improve technology and open more branches.

In a disclosure to the Philippine Stock Exchange, BDO reported that it posted a four percent increase in net income to ₱63.1 billion for January to September 2025, from the ₱60.6 billion earned last year.

The bank said that its consistent earnings growth was driven by the performance of its core business segments, as well as by investments in technology and branch expansion.

Return on Average Common Equity (ROCE) stood at 14.1 percent as gross loans expanded by 14 percent on double-digit growth across all segments.

Net interest income grew by eight percent as gross customer loans climbed by 14 percent to ₱3.5 trillion on broad-based growth across all market segments.

Deposits also expanded by 10 percent, with a current account and savings account (CASA) ratio of 67 percent. Non-interest income rose by 14 percent, fueled by a 15 percent growth in fee-based businesses.

Asset quality remained stable, with Non-Performing Loan (NPL) ratio at 1.77 percent, and NPL coverage at 134 percent.

Shareholders’ equity increased by 10 percent on continued profitable operations, with book value per share up by 10 percent to ₱116.42. The Bank’s CET1 ratio was higher at 14.4 percent versus 14.1 percent last year.

The bank noted that the Philippines is expected to demonstrate continued resilience despite global trade uncertainties from higher U.S. tariffs and local political issues, supported by stable inflation and strong domestic consumption.

It added that, the Bank’s robust capital foundation and diversified business portfolio position it well to navigate current risks and capitalize on emerging growth prospects.