Revenue distribution by sectors:

• Lending and Loans: approx. 60%
• Deposits and Payment Services: approx. 25%
• Asset Management and Investment Banking: approx. 15%

TOP 3 markets and their percentage shares:

• Philippines: approx. 85%
• USA: approx. 8%
• Asia (excluding the Philippines): approx. 7%

BDO Unibank, Inc. generates the majority of its revenue from lending and loans, which is typical for a bank of its size and market position. The Philippine market is the dominant market for BDO, reflecting its strong local presence and focus on the domestic market. The USA and other Asian markets also contribute to the revenues, but to a significantly lesser extent.

Production: BDO Unibank, Inc. is a bank and does not produce physical products.

BDO Unibank, Inc. is the largest bank in the Philippines and offers a wide range of financial services including deposits, loans, asset management, and investment banking. As a financial institution, the concept of "production" in the traditional sense does not apply. Instead, BDO focuses on providing financial services and solutions to individual and business clients.

Strategy for Future Growth:

1. Digital Transformation: BDO Unibank is heavily investing in the digitalization of its services to enhance customer experience and improve operational efficiency. This includes the development of mobile banking apps and digital payment platforms.

2. Expansion of Branch Network: Despite digitalization, BDO plans to expand its physical presence by opening new branches in strategic locations to reach more customers and enhance access to financial services.

3. Diversification of Financial Products: The company is focusing on introducing new financial products and services to better serve various customer segments. This includes tailored credit solutions and investment products.

BDO Unibank aims to increase its market share and solidify its position as a leading bank in the Philippines through these strategies. The combination of digital innovation and physical expansion is expected to support growth in the coming years.

Imported Raw Materials/Materials: No specific raw materials

BDO Unibank, Inc. is a bank and not a manufacturing company, therefore it does not import physical raw materials or materials. Instead, the bank focuses on financial services such as lending, deposit management, and investment banking.

As a financial institution, BDO Unibank is more involved in importing capital and financial services to support its business operations. The bank may utilize international financial markets to raise capital or invest in foreign financial instruments, but these are not physical imports.

Market share: 16.3% (2024, estimate) Return on equity (ROE): 11.5% (2024) Cost-Income Ratio: 55% (2024)

BDO Unibank, Inc. is one of the largest banks in the Philippines and has a significant market share of approximately 16.3%, indicating its strong market position. The company's competitive advantage stems from its extensive branch and service network presence, enabling it to serve a large customer base.

The return on equity of 11.5% indicates that BDO is efficient in managing its equity, which is an indicator of good profitability compared to competitors. A cost-income ratio of 55% suggests an efficient cost structure, allowing the bank to keep its operating expenses low relative to income.

Additionally, BDO benefits from a diversified range of products and strong brand awareness, further enhancing its competitive advantage. The focus on digital transformation and innovation could further enhance this advantage in the coming years.

Institutional Investor Share: Approximately 55% (2025, estimated)

Insider Buys/Sells: No significant transactions in the last year (2025, estimated)

The institutional investor share in BDO Unibank, Inc. is estimated to be around 55%, indicating a high level of confidence from institutional investors in the stability and growth potential of the bank. These investors typically include pension funds, investment funds, and other large financial institutions.

In 2025, there were no significant insider transactions, suggesting that the management and other insiders did not make any significant changes to their holdings. This could be seen as a sign of stability and confidence in the company's future development.

Market share of BDO Unibank: 17% (estimated for 2025)

Top competitors and their market shares:

1. BDO Unibank, Inc.: 17%
2. Metropolitan Bank & Trust Company (Metrobank): 15%
3. Bank of the Philippine Islands (BPI): 14%
4. Land Bank of the Philippines: 12%
5. Philippine National Bank (PNB): 10%
6. Security Bank Corporation: 8%
7. China Banking Corporation: 7%
8. Rizal Commercial Banking Corporation (RCBC): 6%
9. Union Bank of the Philippines: 5%
10. EastWest Bank: 4%

Moat of BDO Unibank:

BDO Unibank possesses a significant moat through its extensive branch and ATM network presence, the largest in the Philippines, which provides a substantial advantage in customer acquisition and retention. Additionally, the bank benefits from strong brand recognition and a wide range of financial services appealing to both retail and business customers.

Compared to competitors, BDO Unibank has a competitive edge due to its size and reach, particularly in terms of customer base and trust. However, Metrobank and BPI are also well-positioned, offering a similar range of services and maintaining a solid market presence. BDO's moat is further strengthened by continuous investments in technology and digital transformation, enabling the bank to operate more efficiently and offer innovative services.

While BDO Unibank clearly has an advantage in terms of size and reach, competitors are also heavily investing in technology and customer experience, intensifying the competition. Long-term success will depend on how well BDO leverages its strengths and adapts to market changes.

Revenue Growth: 10% (2024) Net Interest Income: 15% Increase (2024) Return on Equity (ROE): 12% (2024)

BDO Unibank, Inc. recorded a solid revenue growth of 10% in 2024, indicating strong demand for its banking services and a healthy economic environment in the Philippines. The net interest income increased by 15%, attributed to effective interest margin management and a growing loan portfolio.

The 12% return on equity suggests efficient capital utilization, which is a positive signal for investors. BDO Unibank has also been consistently investing in digital technologies in recent years to enhance its services and expand customer reach.

Overall, BDO Unibank demonstrates strong financial performance and strategic investments in future growth, making it a potentially good investment, provided that macroeconomic conditions remain stable and the bank successfully implements its growth strategy.

Dividend Yield: 2.5% (estimated for 2025)
Dividend History: Consistent payout in recent years

BDO Unibank, Inc. has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield for 2025 is around 2.5%. This consistency in distribution demonstrates the bank's commitment to providing its shareholders with consistent value.

The reliability of dividend payment is supported by the bank's strong financial position. BDO Unibank has generated solid profits in the past and has a robust capital base that enables it to pay dividends even in economically challenging times.