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Manila Bulletin devider Business devider Banking & Finance devider BDO profit climbs to all-time high for fifth consecutive year

BDO profit climbs to all-time high for fifth consecutive year

Published Feb 27, 2026 04:01 pm
Nestor V. Tan, President and CEO of BDO Unibank, Inc.
Nestor V. Tan, President and CEO of BDO Unibank, Inc.
Top lender BDO Unibank Inc. of the SM Group, posted a six percent profit growth from ₱82 billion in 2024 to ₱87.2 billion in 2025, marking the fifth year in a row that it reported a record net income (2021 to 2025).
In a disclosure to the Philippine Stock Exchange, the bank said earnings growth was driven by the solid performance of its core businesses. Return on Average Common Equity (ROCE) was reported at 14.4 percent for the period.
Net interest income increased by nine percent as Gross Customer Loans expanded by 13 percent to ₱3.7 trillion, supported by double-digit growth across all market segments.
Total deposits grew by 10 percent, with a Current Account and Savings Account (CASA) ratio of 68 percent. Non-interest income rose by nine percent, while income from insurance operations went up by 10 percent.
Asset quality improved, with Non-Performing Loan (NPL) ratio declining to 1.68% percent from 1.83 percent in the previous year. NPL coverage stood at 133 percent.
Shareholders' equity increased by 12 percent on sustained profitable operations, with Book Value Per Share up by 11 percent to ₱119.03. The Bank's CET1 ratio was recorded at 13.8 percent.
In 2025, BDO advanced its sustainability initiatives with the successful issuance of its fourth Peso-denominated ASEAN Sustainability Bond in July.
The issuance raised a record ₱115 billion to fund eligible assets under the Bank's Sustainable Finance Framework, support its lending activities, and further diversify its funding sources.
BDO said its 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.

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