BDO Unibank (BDO) Q3 2026 earnings summary

Executive summary

• 9M 2026 net profit was P63.7 billion, up 1% YoY; total resources rose 16% YoY to P6.1 trillion, led by loan and investment-securities growth.

• 9M total comprehensive income fell 35% to P45.1 billion, mainly reflecting P28.0 billion of net unrealized losses on debt securities at FVOCI.

Financial highlights

• 9M net interest income rose 11% to P166.2 billion; profit before tax was P80.7 billion and net profit was P63.7 billion versus P63.3 billion in 9M 2025.

• 9M net income attributable to parent shareholders was P63.6 billion versus P63.1 billion; basic EPS was P11.85 versus P11.77.

• Q3 net interest income increased to P57.7 billion from P51.9 billion; net profit was P22.9 billion versus P22.6 billion.

• As of September 30, 2026, loans and other receivables were P4.1 trillion, deposits P4.6 trillion, and total equity P665.4 billion.

• 9M operating cash flow was negative P18.6 billion versus positive P97.6 billion in 9M 2025; cash and cash equivalents ended at P474.6 billion.

Outlook and guidance

• January and July sustainability-bond proceeds are intended to finance eligible assets, support lending activities, refinance matured bonds, and diversify funding sources.