Net interest income and non-interest income both grew during the period.

BDO Unibank, Inc. reported a net income of almost $708.66m (PHP40.6b) in H1 2025, up 3% from the same period in 2024.

Earnings growth was tempered by continuing investments in market coverage and “spending for operational efficiency,” the Philippines’ largest bank by assets said in a bourse filing on 28 July 2025.

Net interest income (NII) rose by 7%, with gross customer loans rising 14% to $59.34b (PHP3.4t).

Deposits expanded by 8% to reach $69.82b (PHP4t).

Non-interest income (NOI) grew by 15% thanks to fee-based income and income from insurance operations.

Non-performing loans (NPL) ratio was lower at 1.75%, whilst NPL coverage was 140%.

Capital ratio stood at 15.4%,