BDO net income up 3% to P40.6B in H1 2025

BDO Unibank Inc. reported a net income of P40.6 billion in the first half of 2025, a 3% increase from the previous year.

Net interest income rose 7% as gross customer loans increased by 14% to P3.4 trillion, with broad-based growth across all market segments.

Deposits breached P4.0 trillion, up 8%, with a Current Account/Savings Account (CASA) ratio of 69%.

Non-interest income grew 15%, driven by higher fee-based earnings and contributions from insurance operations.

The bank's asset quality improved with a non-performing loan ratio down to 1.75% and NPL coverage at 140%.

Shareholders' equity grew 12%, while book value per share rose to P113.04, and its capital adequacy ratio remained strong at 15.4%.

BDO is set to issue its fourth ASEAN Sustainability Bonds on Tuesday, with a minimum size of P5 billion, intended to finance eligible projects in its sustainable portfolio.

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