BDO Unibank, Inc. (PSE:BDO)

BDO Unibank Income Statement

Financials in millions PHP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Jan 1, 2023	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	287,297	272,039	231,704	161,820	144,879	157,031
Interest Paid on Deposits	87,858	85,443	59,317	22,861	13,533	23,331
Net Interest Income	198,342	186,596	172,387	138,959	131,346	133,700
Net Interest Income Growth (YoY)	8.13%	8.24%	24.06%	5.80%	-1.76%	11.52%
Trust Income	452	-	-	-	4,364	3,811
Income From Trading Activities	1,755	-	-	-	220	5,563
Gain (Loss) on Sale of Assets	-	-	-	-	1,275	1,169
Gain (Loss) on Sale of Investments	-	-	6,107	-	-	-
Gain (Loss) on Sale of Equity Investments	1,397	1,397	1,273	849	814	-
Other Non-Interest Income	81,293	76,341	64,138	56,351	54,681	44,667
Total Non-Interest Income	84,897	77,738	71,518	57,200	61,354	55,210
Non-Interest Income Growth (YoY)	6.32%	8.70%	25.03%	-6.77%	11.13%	-8.15%
Revenues Before Loan Losses	283,239	264,334	243,905	196,159	192,700	188,910
Provision for Loan Losses	15,019	14,262	16,406	16,565	16,942	29,661
Revenue	268,220	250,072	227,499	179,594	175,758	159,249
Revenue Growth (YoY)	8.48%	9.92%	26.67%	2.18%	10.37%	-8.47%
Salaries and Employee Benefits	58,838	52,109	45,784	42,766	41,471	37,038
Occupancy Expenses	15,072	15,072	14,472	12,677	11,204	11,172
Amortization of Goodwill & Intangibles	2,141	2,141	2,917	1,343	1,342	734
Selling, General & Administrative	21,789	19,548	17,230	12,490	13,061	12,776
Other Non-Interest Expense	62,704	55,779	48,495	36,207	51,779	50,033
Total Non-Interest Expense	161,525	145,630	129,801	105,777	119,130	112,107
EBT Excluding Unusual Items	106,695	104,442	97,698	73,817	56,628	47,142
Asset Writedown	-230	222	3	230	-57	-493
Legal Settlements	-973	-973	-689	-854	-773	-601
Other Unusual Items	-	-	169	-	-	-
Pretax Income	105,492	103,691	97,181	73,193	55,762	46,030
Income Tax Expense	20,700	21,471	23,621	15,959	12,907	17,776
Earnings From Continuing Operations	84,792	82,220	73,560	57,234	42,855	28,254
Minority Interest in Earnings	-302	-201	-149	-180	-64	-8
Net Income	84,490	82,019	73,411	57,054	42,791	28,246
Preferred Dividends & Other Adjustments	407	407	407	339	340	339
Net Income to Common	84,083	81,612	73,004	56,715	42,451	27,907
Net Income Growth	5.44%	11.73%	28.67%	33.33%	51.49%	-36.09%
Basic Shares Outstanding	5,323	5,320	5,314	5,312	5,310	5,309
Diluted Shares Outstanding	5,374	5,363	5,362	5,371	5,362	5,309
Shares Change (YoY)	0.28%	0.02%	-0.17%	0.17%	0.99%	0.14%
EPS (Basic)	15.79	15.34	13.74	10.68	7.99	5.26
EPS (Diluted)	15.72	15.29	13.69	10.62	7.98	5.25
EPS Growth	5.15%	11.71%	28.89%	33.11%	51.96%	-36.51%
Dividend Per Share	0.991	3.716	2.973	1.189	0.991	0.991
Dividend Growth	-71.43%	25.00%	149.99%	20.00%	-	-
Effective Tax Rate	19.62%	20.71%	24.31%	21.80%	23.15%	38.62%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.