BDO Unibank Income Statement

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Jan '23 Jan 1, 2023	Dec '21 Dec 31, 2021
Interest Income on Loans	294,665	272,039	231,704	161,820	144,879
Interest Paid on Deposits	91,564	85,443	59,317	22,861	13,533
Net Interest Income	203,101	186,596	172,387	138,959	131,346
Net Interest Income Growth (YoY)	8.85%	8.24%	24.06%	5.80%	-1.76%
Trust Income	5,707	5,113	4,698	-	4,364
Income From Trading Activities	748	-127	1,455	-	220
Gain (Loss) on Sale of Assets	-	-	-	-	1,275
Gain (Loss) on Sale of Investments	-	-	6,107	-	-
Gain (Loss) on Sale of Equity Investments	1,661	1,397	1,273	849	814
Other Non-Interest Income	76,519	71,355	57,985	56,351	54,681
Total Non-Interest Income	84,635	77,738	71,518	57,200	61,354
Non-Interest Income Growth (YoY)	8.87%	8.70%	25.03%	-6.77%	11.13%
Revenues Before Loan Losses	287,736	264,334	243,905	196,159	192,700
Provision for Loan Losses	14,611	14,262	16,406	16,565	16,942
Revenue	273,125	250,072	227,499	179,594	175,758
Revenue Growth (YoY)	9.22%	9.92%	26.67%	2.18%	10.37%
Salaries and Employee Benefits	61,082	52,109	45,784	42,766	41,471
Occupancy Expenses	16,152	15,072	14,472	12,677	11,204
Amortization of Goodwill & Intangibles	2,262	2,141	2,917	1,343	1,342
Selling, General & Administrative	21,445	19,548	17,230	12,490	13,061
Other Non-Interest Expense	61,609	55,779	48,536	36,207	51,779
Total Non-Interest Expense	163,788	145,630	129,842	105,777	119,130
EBT Excluding Unusual Items	109,337	104,442	97,657	73,817	56,628
Asset Writedown	-380	222	44	230	-57
Legal Settlements	-1,356	-973	-689	-854	-773
Other Unusual Items	-	-	169	-	-
Pretax Income	107,601	103,691	97,181	73,193	55,762
Income Tax Expense	20,122	21,471	23,621	15,959	12,907
Earnings From Continuing Operations	87,479	82,220	73,560	57,234	42,855
Minority Interest in Earnings	-305	-201	-149	-180	-64
Net Income	87,174	82,019	73,411	57,054	42,791
Preferred Dividends & Other Adjustments	408	407	407	339	340
Net Income to Common	86,766	81,612	73,004	56,715	42,451
Net Income Growth	6.29%	11.73%	28.67%	33.33%	51.49%
Basic Shares Outstanding	5,328	5,319	5,314	5,312	5,310
Diluted Shares Outstanding	5,374	5,362	5,361	5,371	5,362
Shares Change (YoY)	0.22%	0.02%	-0.19%	0.17%	0.99%
EPS (Basic)	16.28	15.34	13.74	10.68	7.99
EPS (Diluted)	16.22	15.30	13.69	10.62	7.98
EPS Growth	6.05%	11.71%	28.91%	33.11%	51.96%
Dividend Per Share	4.300	3.716	2.973	1.189	0.991
Dividend Growth	15.72%	25.00%	149.99%	20.00%	-
Effective Tax Rate	18.70%	20.71%	24.31%	21.80%	23.15%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.