If you’re a regular depositor at BDO Unibank, Inc. (BDO), then here’s good news for you!
The Philippines’ largest lender has just reported a ₱63.1 billion net income (approximately US$1.07 billion) for the first nine months of 2025, up 4% from ₱60.6 billion in the same period last year, driven by the sustained performance of its core businesses.
In its latest financial report, the bank said the growth reflects steady expansion in loans and deposits, alongside higher fee-based revenues and stable asset quality — key indicators of continued resilience in the country’s banking industry amid global economic headwinds.
Broad-based growth across lending and deposits
BDO’s net interest income rose 8%, supported by a 14% increase in gross customer loans to ₱3.5 trillion (US$59.16 billion), reflecting broad-based growth across the corporate, consumer, and small business segments.
Deposits also climbed by 10%, underscoring customer confidence in the bank’s financial stability. The Current Account/Savings Account (CASA) ratio stood at 67%, indicating a strong low-cost funding base that continues to support BDO’s lending and investment activities.
Meanwhile, non-interest income grew by 14%, propelled by a 15% increase in fee-based businesses, such as investment banking, payments, and transaction services—areas that have become increasingly vital to the bank’s profitability as it diversifies beyond traditional lending.
Solid asset quality and risk management
As of end-September 2025, BDO’s non-performing loan (NPL) ratio remained stable at 1.77%, with NPL coverage at 134%, reflecting prudent risk management and sustained credit discipline.
The bank continues to maintain a robust capital foundation, ensuring adequate buffers against market volatility and potential credit risks, according to its financial disclosure filed on October 27, 2025.
Positive outlook amid global uncertainty
Despite global trade uncertainties and local political developments, BDO remains optimistic about the Philippines’ economic prospects. It expects the country to demonstrate continued resilience, supported by strong domestic consumption, manageable inflation, and a healthy banking system.
“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 statement.
Industry analysts view BDO’s consistent performance as a barometer for the broader Philippine banking sector, which continues to post stable growth amid tighter monetary conditions and cautious investor sentiment.
Regulatory and consumer assurance
BDO emphasized that it operates under the supervision of the Bangko Sentral ng Pilipinas (BSP) and that all deposits are insured by the Philippine Deposit Insurance Corporation (PDIC) up to ₱1 million per depositor.
For more information on BDO’s financial results, the bank advised the public to visit its official website.
