BDO Unibank closed the first half of 2025 with a strong net income of ₱40.6 billion, marking a 3% increase from the same period last year
BDO Unibank, Inc. (BDO) reported a solid ₱40.6 billion net income for the first half of 2025, a 3% increase from the same period last year. This steady growth reflects the continued strength of BDO’s core businesses, even as the bank continues to invest in expanding its market reach and upgrading IT systems for greater efficiency. Return on Average Common Equity (ROCE) stood at 13.9% for the period.
The bank’s Net Interest Income rose 7%, fueled by a 14% increase in gross customer loans, now at ₱3.4 trillion. Loan growth was broad-based, spanning all market segments. Total deposits also climbed by 8%, surpassing ₱4.0 trillion, with a healthy 69% CASA ratio indicating strong customer confidence.
BDO’s non-interest income jumped 15%, thanks to robust gains from fees and its insurance business.
Asset quality remained healthy, with the Non-Performing Loan (NPL) ratio improving to 1.75% and NPL coverage at 140%, reflecting prudent credit risk management.
Backed by consistent profitability, shareholders’ equity grew by 12%, while Book Value Per Share reached ₱113.04. The bank’s Capital Adequacy Ratio remained strong at 15.4%, ensuring resilience amid external headwinds.
Looking ahead, BDO is set to launch its fourth ASEAN Sustainability Bonds on July 29, 2025, with a minimum issue size of ₱5 billion. Initially scheduled to run until July 22, the offer closed early on July 14 due to overwhelming demand from both retail and institutional investors. Proceeds will help fund green and sustainable initiatives, furthering BDO’s commitment to responsible banking.
Despite global challenges like geopolitical tensions and new U.S. tariffs, the Philippine economy remains resilient, anchored by strong consumer demand. With its diversified business model and solid capital base, BDO is well-positioned to navigate risks and seize new opportunities in the evolving market landscape.
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