Far Eastern University

Nicanor Reyes St, Sampaloc, Manila, 1008 Metro Manila

Institute of Accounts, Business, and Finance

Comprehensive Strategic Plan:

BDO UNIBANK

BME1102-SEC 16 STRATEGIC MANAGEMENT

Professor Rubi Ana Saludario

MEMBERS:

Duaso, Rhett Daniel M.

Maravilla, Rianne Christine D.
Marilao, Rhova Mae G.
Medrano, Christian Kim D.
Pagunuran, Samantha Cheyenne Gail D.
Rivera, Jose Mari A.
Tolentino, Cassandra A.

July 2022
1. Case Background

BDO Unibank Inc. is a company based in Makati, Philippines and established in 1976.
The company has over 1,400 branches and offices, together with almost 4,400 ATMs distributed
all over the country. It also has subsidiaries in Asia, North America, and Europe. BDO is
recognized as the Top Graduate Employer in the Banking and Financial Services sector. With
BDO Unibank Inc. Having revenues of 3,188.9 billion on December 31 st for 2019 and 3,374.9
billion pesos for December 31st of 2020. (SWOT and PESTLE, 2022)

BDO Unibank has been one of the leading commercial banks in the country (GlobalData,
2022) due to its liquidity, capital, and interest margin. However, even leading banks such as
BDO face adversities, and in early 2022, the BSP (Bangko Sentral ng Pilipinas) noted that 2
billion pesos will be lost due to swindles and cyberbanking crimes. These statements by the BSP
were based on early 2022 and even on the ongoing status of the banking industry as of today
wherein different transactions like internet and mobile banking were erroneous and at some
fraudulent. This can be a great threat to BDO Unibank, as one of its customer complaints were
pertaining to their mobile application and internet banking as there were different issues rising
and no further statement from the company is yet released on the improvement of their
application and internet banking experience.

Mission Statement

We are in business for our customers, shareholders and employees. We shall deliver
creatively innovative products and cross-sell the BDO Unibank Group’s services supported by
procedures, systems and processes which will ensure utmost customer satisfaction. We shall
recognize and reward excellence in our employees and shall provide an environment conducive
to maximizing their potentials as we work cohesively as a team. We shall generate consistently
high returns for our shareholders.
Vision Statement

We shall be at the forefront of the leasing and financing industry in the Philippines and
in the Asia Pacific Region. We shall have the most extensive market reach and shall be
composed of highly trained, technically competent and upright professionals working as a team
and contributing to the growth of the nation and the communities we serve. Recognizing that
the customer is the focus of our activities, we shall lead the industry by providing modern and
relevant financial services which exceed their expectations.

2. Environment Analysis

A. General Environment

A.1 Opportunities

A.1.1. Socio-Cultural-Demographic Forces

Financial independence could start as early as 15 to 24 years old, the youth
Earning at an early age can motivate the youth to strive harder at work to become
financially independent. Someone who is financially independent has the quality of life
he wants without working longer or harder (Probasco, 2022). This could be achieved
with BDO Unibank’s savings account where you can save for as little as P2,000 which
you can freely access online or through its mobile app.

A.1.2. Technological Forces

The rise of ecommerce demands a convenient and trusted online payment via bank
accounts.
The innovation of technology has also allowed the buying and selling of goods and
services online. While cash on delivery assures customers, most of them would prefer
bank transfers for contactless payments due to the pandemic and the cashless lifestyle
trend as money is more secured in banks. Quick and easy payments are now possible
with BDO Pay where you can scan to pay, send and request money, and pay bills.

A.1.3. Economic Forces

Usage of bitcoin and other cryptocurrencies for transactions as it is a current
advancement and trend worldwide.
Cryptocurrency is a digital asset that exists outside the control of governments and
central authorities. It is advantageous for most people as it includes more affordable yet
faster money transfers. However, its guidance and regulation are sparse and risky.
According to Scicchitano (2020), adopting cryptocurrencies gives assurance and security
while taking banking into the next generation of efficiency and innovation. As the
leading bank in the Philippines based on total assets, this is something they could invest
 in.

A.1.4. Environmental Forces

As part of the SM Group, BDO Unibank are on every branch of SM in the Philippines
where many people go to daily.
From its tagline itself “we find ways”, BDO Unibank allows its services to be more
accessible to everyone as SM malls are always in accessible locations. Customers,
therefore, feel a sense of relief knowing that their financial issues are just steps away
from their itinerary to the mall. BDO Unibank may extend its advertising to malls and
provide more unique privileges to their customers as well.

A.1.5. Politico-Legal Forces

The Corporate Recovery and Tax Incentives for Enterprises (CREATE) Act attracts the
growth of companies and investments through lower tax rates and the rise in fiscal
incentives.
MSMEs and large corporations benefit from CREATE Act since April 2021 due to the
reduction of corporate income tax, from 30 to 20 percent and 30 to 35 percent,
respectively. The instituted fiscal incentive system reflecting our industrial policy allows
businesses to receive tax incentives from dealing with investment promotion agencies.
This enables BDO Unibank to extend more credit and services to more sectors.

A.2. Threats

A.2.1. Socio-Cultural-Demographic Forces

Internet access is not available to every household for online advertisements and
digital banking.
According to Datereportal (2022), at the beginning of 2022, the internet penetration
rate is at 68% in the Philippines. There would still be 32% of the Filipinos who are
deprived of bank advertisements and services. While innovation in banking technology
is vital, privilege and class differences will remain a threat, even on simple internet
access.

A.2.2. Technological Forces

Weak cybersecurity in the country increases rates of fraud and scams that use a bank’s
name while risking its reputation as well.
Phishing attacks (tricking the victim for personal information), insider threats (exposing
company data), and malware (designed to harm or exploit a device, service, or network)
are the three cybersecurity threats in the Philippines’ banking industry. Known as a
third-world country, the development of cybersecurity is slow yet in high demand.
Victims of these threats are the bank’s reputation and income, as well as the customers’
personal assets.
 A.2.3. Economic Forces
Inflation continues to rise every month causing rates to grow and savings to decrease.
Central banks have a duty to increase interest rates that could slow the rate of inflation;
however, this may lead to fewer loans being taken out by customers. In addition,
investors could lose money when the inflation rate becomes higher than the interest
earned on a savings or checking account. Conscious individuals or entities may withdraw
or lessen transactions from banks temporarily or for good, depending on the risk of
inflation.

A.2.4. Environmental Forces

A country under pandemic affects choices of individuals and the bank itself for health
and safety.
Distance from people equates to safety from COVID-19. Customers, old or potential,
may choose a bank closer to them or with less human contact, whether on-site or
virtual. Other than that, a bank’s employees interacting with and serving the customers
may still acquire the same virus. While there is still a pandemic, the risk of health and
safety will always be a threat.

A.2.5. Politico-Legal Forces

Bangko Sentral ng Pilipinas issued via Circular 1140 requiring BSP-Supervised Financial
Institutions (BSFIs) to implement automated and real-time fraud monitoring and
detection systems to identify and block suspicious or fraudulent online transactions.
Fraudsters and cybercriminals continue to risk the bank’s reputation, opening it to
consider more effective fraud monitoring systems related to their digital financial and
payment platforms (Cuaresma, 2022).

B. Operating Environment

B.1 Opportunities

B.1.1. Rivalry Among Competing Firms

Interest Rates
The edge of giving better interest from individual clients is used, which would affect the
banking choice of clients. Another would be better working hours for employees for
more transactions in the bank.

B.1.2. Potential Entrants

Oligopoly
 The risk of new entrants in the banking industry is low as the competition is classified as
an oligopoly in the country as banks in the Philippines are only few. Potential entrants
are at low risk of getting more clients in the market for banking as BDO has been in the
industry and that the market would trust more for established programs.

B.1.3. Substitute Products

Finance and Leasing
The substitute products for BDO include financing and leasing.
A characteristic of leasing and financing of BDO for businesses is the conversion to a
holding company making it more sustainable, compared to before since it had a
declining leasing. Consequently, there was also a decline in revenue and income for
partnered businesses that cannot comply with the contract of BDO’s Leasing and
Finance Inc.

B.1.4. Bargaining Power of Suppliers

Government
The banking industry in the Philippines is being governed by the Bangko Sentral ng
Pilipinas (BSP) in which policies and regulations for banking are made. According
to the declaration of policy of the general banking act, banks shall be conducive for the
development of the national economy. The supervision of BSP will be
inevitable as they have standards for the operation that should benefit the bank in
its daily transactions.

B.1.5. Bargaining Power of Buyers

Market Appeal
The pressure being put on BDO is the interest rates being offered in its savings and
credit transactions being that a debit account having a high interest rate return to its
clients, it would be assumed that the market for the program or product would be
higher and that if credit card users have the least interest rate being loaned to them, a
lower number would be using its program.

B.1.6. Industry Growth

Online Banking
Online Banking is a technological advancement in the banking industry as it is more
efficient compared to the traditional way of managing an individual’s money. The
application from mobile devices and websites for any gadget is being used for easier
transactions for its users and different business enterprises partnered with BDO.

B.1.7. Shareholders' Actions

Technological Advancements
A decision by shareholders should be focused more on the online banking system during
the modern era, in which technological advancements are being used. Better
cybersecurity for users would create an attraction to the market in which it creates an
assurance for potential clients from business enterprises to individuals to have
 transactions with the use of BDO’s system from an improved scale.

B.1.8. Creditors' Actions

Beneficial Interest Rates
The creditors in the banking industry are the depositors in which they would deposit
money in their account and expect an interest rate that would benefit them. Their
action that would benefit the bank would be depositing a substantial amount of money
in which BDO is responsible for managing the other programs in the loans of the credit
users from businesses and individuals.

B.1.9. Community Perceptions

Social Class
Creating a demographic of clients would help adjust the company on how interest and
loans would give benefits to the different classes of society which would affect more
people and increase their market.

B.2 Threats

B.2.1. Rivalry Among Competing Firms

Better Programs from other Banks
Economic Changes in the country is being monitored in the country. If action was taken
immediately by other banking institutions, interest rates would change that would
benefit most clients. Local and Interational Banks are being expanded inside the country
which would affect the market because of competition from the different banks given
that they may study new programs, or products that would possibly be more appealing
to a substantive number of people in the country.

B.2.2. Potential Entrants

Loans by Different Banks
The potential entrants of a bank would cause a threat to the top bank, if new banks
would give better loans to different businesses or even higher interest rates to
 individuals from savings in order to benefit from it.

B.2.3. Substitute Products

Finance and Leasing
The substitute product, which is leasing, and financing might not be sustainable with a
declining economy in the country. This may be affected by the interest rates given to
clients who have financed different assets such as vehicles, land, buildings, etc., which
would reduce the possible transactions within its program.

B.2.4. Bargaining Power of Suppliers

Government
The threat of the Bangko Sentral ng Pilipinas is the possible adjustment from possible
new policies made by the government and that it must be followed. Such adjustment could
create conflict from transactions that must comply with new laws.

B.2.5. Bargaining Power of Buyers

Market Appeal
The threat to BDO for its bargaining power of buyers is that they would acquire the
program of other banking companies in the country which would negatively affect the
current users that are depositing which is the source of the loans of the credit users.

B.2.6. Industry Growth

Economic Changes and Online Banking
The industry growth in the banking industry would cause critical changes if the
economic state of the country changes. Adjustment of benefits to individuals and
business partners of the bank. Online banking is also at risk because of the risks of
security as penetration in cyberspace is innovative and complex, the users’ information
and financial assets are at risk.

B.2.7. Shareholders' Actions

Technological Development
The shareholders' actions would harm BDO if it does not lead to a more secure system
in its technological aspects such as websites and applications being used by businesses
or individuals. This is because of the possible cyber-attacks being made on the banking
industry in which not only banks suffer but also their users.

B.2.8. Creditors' Actions

Fraud and Theft
It would cause harm to BDO if the money being deposited in the bank is the result of
fraud and theft, as they would also be held questionable. Their audit might be affected
negatively as a result of the depositor's action.

B.2.9. Community Perceptions

 The potential threat of society is the social class
In which there is a social class that would only benefit the higher class of the social class
of the country. Clients of BDO are looking into other banks that have the possibility of
giving higher interest rates for a savings account.

C. Internal Environment

C.1 Strengths

C.1.1. Marketing
Customer Loyalty
BDO has historically made use of its strength by creating customer loyalty. A corporation
may encourage and keep customers by providing them with benefits, rewards, and
incentives in order to promote trust (Nichole Gunn, 2020). You can be sure that your
business will last longer if you express gratitude to your regular customers since you will
have a strong bond with them.

C.1.2. Production/Operations
Longer Working Hours
On average, most banks operate from Monday to Friday from 9:00 am to 3:00 pm
amidst the pandemic. However, BDO provides longer banking hours from Monday to
Saturday from 9:00 am to 4:00 pm. This allows the bank to develop a solid customer
base. With this, the business will be able to better serve its clients and satisfy their
expectations with regard to their problems and bank-related concerns. As a result, these
additional hours strengthen relationships with clients, address issues, and respond to
inquiries.

C.1.3. Finance
Top performing bank
Even though BDO Unibank ADR is facing downward pressure on profitability, compared
to competitors it is still racking in higher profit margins. The company has been
consistent in its performance as the industry leader regarding consolidated assets,
capital, client loans, deposits, and trust assets.

Based on the difference between the net income in 2021 and 2020, this is
demonstrated. Prior to 2021, P 28.2 billion was reported, a fifty-one percent (51)
increase, or P 42.8 billion, was made. This was brought about by the ongoing
development and growth of enterprises, the stabilization of asset quality, and the
prioritizing of digital activities.

C.1.4. Organization & Management

Managed by a notable family
BDO is a member of the SM group that is run by the Sy family, who were responsible in
the establishment of SM Malls, and one of country's largest and most successful
conglomerates because of its strong and capable management team.

C.1.5. Human Resources

Operated by professional and excellent employees
BDO hires well-qualified candidates thoroughly by starting by having its Human
Resource team in reviewing applications and create a candidate profile. Then, the
applicants will be asked to participate in online ability tests for the recruitment team to
be able to select qualified applicants. Afterward, those who are able to pass the ability
tests will proceed to the first interview. Finally, the last part of the selection process is
the BDO assessment center where the applicants will be assessed through a group
exercise that consists of case studies about potential customer scenarios and an in-tray
exercise in which applicants will show their skills and knowledge of BDO services. After
these assessments, a final interview will be conducted and the applicants who are
suitable for the job will be selected and proceed to job orientation.

C.1.6. Research & Development

Utilization of modern technology
BDO aids clients’ account-related issues through the company’s official hotlines, emails,
and websites. The company’s e-mails cater to most of the urgent concerns of clients,
and they also provide assistance through their official Messenger account for the issues
encountered by their clients. The customer hotlines are always open and receive
concerns and customer assistance is also available in the BDO app.
BDO mobile application and online banking were offered as an improvement for better,
 faster, and safer transactions for customers. This allowed clients to have access to their
accounts 24/7 with many options and uses through the BDO app that can easily be
downloaded to clients’ devices. The app also secures the information and transactions
of the clients. Other than that, cardless transactions were also implemented where
clients can withdraw with fingerprint scanners and QR support, which adds up to a
secured transaction.

C.1.7. Information Systems

Data Privacy
Confidentiality of client information is BDO's main priority in its role as a trusted partner
in the banking of hundreds of thousands of Filipinos. Although there are several
fraudulent BDO callers attempting to obtain personal banking information from the
bank's customers, BDO has never failed to alert them to this problem, which is very
common and affects many cards, depositors, investors, and all other customers of the
aforementioned. BDO ensures the security and protection of its services, especially for
those who are illiterate, misinformed, and easily duped by con artists, through emails,
SMS messages, double-authentication systems, verification processes, etc. All BDO
members' personal information may only be used, saved, and shared for legitimate
business needs such as transactions, policies and obligations, research, and promotions.
Emails are not a safe place to conduct business, especially today, thus it is only fair that
BDO does not utilize them as a data collecting tool. As assurance, BDO only keeps
customer personal information from the most recent transaction in a database for a
maximum of ten (10) years.

In addition, as part of its ongoing efforts to improve operational effectiveness, BANCO De

Oro Unibank, Inc. (BDO) has chosen the document management and imaging solution
provided by ASG Software Solutions and Infomax Systems Solutions and Services, Inc.

C.2 Weaknesses

C.2.1. Marketing
Limited presence
Universal Philippine Banks like BDO should expand their clientele to gain greater client
confidence. Their branch will be relied upon by more individuals the more members
they have. Even while BDO is quite well-liked in the Philippines' urban areas, they are
still largely absent from rural and international locations, giving other universal banks,
like Citibank, a significant competitive edge.

C.2.2. Production/Operations
Some branches pose inconsistencies with regarding customer services.
Word-of-mouth, recommendations, and feedback are the foundation of many
customers' credibility; therefore, inconsistencies with regard to customer services are a
huge disadvantage. 94 percent of customers will refer to a business with a service they
 deem "very good," according to Dorsey, (2020); for this reason, inconsistent customer
services are a huge disadvantage.

C.2.3. Finance
Ease of pandemic restrictions led to loan growth
As quarantine standards and limits loosened, loan growth surged to 6 percent, which is
1 percent ahead of the industry, even though the bank's financial situation continued to
improve in the latter half of 2021.

C.2.4. Organization & Management

Low Compensation and incentives for employees
Revenue per employee at BDO is more than typical for the sector. To adequately reward
their outstanding work for the company's advantage, it must redesign the compensation
structure and increase employee revenue.

C.2.5. Human Resources

Post-merger employee factor
Job losses are one of the unfavorable effects of the merger and acquisition of BDO
Unibank and the Equitable PCI bank. A merger or acquisition would not be considered
successful if a cooperative environment between the two financial organizations was
not established. A study by Waddock and Graves (2006) found that the acquisition or
surviving firm imposes policies on the merger, endangering employee satisfaction and
cultural integration. This offsets the stress experienced by employees as a result of the
numerous changes they must make in order to function as one integrated entity.

C.2.6. Research & Development

Low investments into BDO Unibank ADR's customer oriented services
This might provide rivals an advantage in the near future. BDO Unibank ADR needs to
spend more money on Research and Development, particularly for applications that are
focused on customer care. Despite fully utilizing technological advancements, many
issues such as errors in the BDO app, faulty ATMs, transaction failures, and unresponsive
customer service have been a concern of the company.

C.2.7. Information Systems

Online banking services
BDO's online banking services need more in-depth research, modification, and
improvement in its system because users and clients frequently make complaints due to
its inconsistencies

CONTRIBUTIONS:

Duaso, Rhett Daniel M.

Environment Analysis – Operating Environment (Opportunities and Threats)

Maravilla, Rianne Christine D.

Environmental Analysis – Internal Environment (Strengths and Weaknesses)

Marilao, Rhova Mae G.

Environmental Analysis – Internal Environment (Strength and Weaknesses)

Medrano, Christian Kim D.

Environmental Analysis – Internal Environment (Strengths and Weaknesses)

Pagunuran, Samantha Cheyenne Gail D.

Environment Analysis – General Environment (Opportunities and Threats)
PowerPoint Presentation

Rivera, Jose Mari A.

Case Background
Company’s Mission

Tolentino, Cassandra A.
Company’s Vision
PowerPoint Presentation

References:

BDO. (n.d.). About Us. Bdo.Com.Ph. Retrieved June 25, 2022, from
https://www.bdo.com.ph/business/leasing-financing/about-us
Probasco, J. (2022, July 2). Declare your own financial independence day. Investopedia.
Retrieved July 2, 2022, from https://www.investopedia.com/financial-edge/0611/declare-your-
own-financial-independence-day.aspx
Frankenfield, J. (2022, May 30). What is cryptocurrency? Investopedia. Retrieved July 2,
2022, from https://www.investopedia.com/terms/c/cryptocurrency.asp
How cryptocurrencies may impact the Banking Industry. Wolf & Company, P.C. (2022, June 8).
Retrieved July 2, 2022, from https://www.wolfandco.com/resources/insights/how-
cryptocurrencies-may-impact-the-banking-industry/
Finance, D. of. (n.d.). Package 2: Corporate recovery and tax incentives for enterprises
(CREATE) act. Comprehensive Tax Reform Program TaxReformNow. Retrieved July 2, 2022,
from https://taxreform.dof.gov.ph/tax-reform-packages/p2-corporate-recovery-and-tax-
incentives-for-enterprises-act/#:~:text=The%20Corporate%20Recovery%20and%20Tax,over
%20the%20next%2010%20years Thangavelu, P. (2022, June 10). How inflation impacts your
savings. Investopedia. Retrieved July 2, 2022, from
https://www.investopedia.com/articles/investing/090715/how-inflation-affects-your-cash-
savings.asp
Kemp, S. (2022, February 15). Digital 2022: The Philippines - datareportal – global digital
insights. DataReportal. Retrieved July 5, 2022, from https://datareportal.com/reports/digital-
2022-philippines#:~:text=Internet%20use%20in%20the%20Philippines,at%20the%20start%20of
%202022.
GlobalData. (2022). BDO Unibank Inc: SWOT Analysis. Globaldata.Com. Retrieved July 3,
2022, from https://www.globaldata.com/company-profile/bdo-unibank-inc/swot-analysis/
De Vera, B. (2022, January 18). P2 billion feared lost to scams, fraud – BSP Read more:
https://business.inquirer.net/338991/p2b-feared-lost-to-scams-fraud-bsp#ixzz7XyzZ2DJ6 Follow
us: @inquirerdotnet on Twitter | inquirerdotnet on Facebook. Business.Inquirer.Net. Retrieved
July 3, 2022, from https://business.inquirer.net/338991/p2b-feared-lost-to-scams-fraud-bsp
Gunn, N. (2020). What Is Loyalty Marketing? Incentive Solutions.
https://www.incentivesolutions.com/blog/loyalty-marketing-infographic/
Dorsey, M. (2020), ROI of Customer Experience, 2020. Qualtrics XM Institute.
https://success.qualtrics.com/rs/542-FMF-412/images/ROI%20of%20customer%20experience
%202020.pdf?fbclid=IwAR0R-
KGGwcg5bMBfWClQnjJjSCns0IOdxIMRKdYcZvmA75aUyroFrRid0Kk
Cuaresma, B. (2022, May 12). BSP to banks: Fortify vs Cyberattacks: Bianca Cuaresma.
BusinessMirror. Retrieved July 5, 2022, from https://businessmirror.com.ph/2022/05/12/bsp-
to-banks-fortify-vs-cyberattacks/
 Job Description and Resume Examples. (2021, September 9). BDO hiring process: Job
application, interview, and employment. https://jobdescriptionandresumeexamples.com/bdo-
hiring-process-job-application-interview-and-employment/
BDO on Messenger. (n.d.). www.bdo.com.ph. https://www.bdo.com.ph/bdo-on-
messenger#:~:text=For%20account%2Drelated%20inquiries%2C%20please,
(02)%20631%2D8000
S&P. (2022, February). BDO Unibank Inc. SWOT & PESTLE Analysis. Swotandpestle.Com.
Retrieved July 3, 2022, from https://www.swotandpestle.com/bdo-unibank/

D. External Factor Evaluation Matrix

 Key External Factor Weight Rating Score

OPPORTUNITIES

THREATS

TOTAL - 1.0 -
Legend
Rating:
4 - Major Strength 3 - Minor Strength 2 - Minor Weakness 1 - Major Weakness

Analysis:

3E. Internal Factor Evaluation Matrix

Key Internal Factor Weight Rating Score

Customer Loyalty 0.3 4 1.2
Longer Working Hours 0.2 4 0.8
Strong financial performance 0.06 4 0.24
High Margins 0.03 3 0.09
STRENGTHS Managed by a notable family 0.05 3 0.15
Employees’ growth and development 0.02 4 0.08
focused
BDO mobile app and online banking 0.03 3 0.09
Biometric and QR withdrawals 0.02 3 0.06
Limited presence 0.07 1 0.07
Inconsistencies with Customer Service 0.05 1 0.05
Shortage of skilled human resources 0.02 2 0.04
WEAKNESSES Low investments into BDO Unibank 0.03 2 0.06
Errors and Problems in the system 0.02 2 0.04
Weak online banking service 0.08 1 0.08
Information leakage 0.02 2 0.04
TOTAL - 1.0 - 3.09
Legend
Rating:
4 - Major Strength 3 - Minor Strength 2 - Minor Weakness 1 - Major Weakness

Analysis:
BDO had a score of 3.09 on the IFE Matrix, above the average and indicating a strong internal
position for the business. The table demonstrates that their excellent internal structure is
mostly attributed to customer loyalty and longer working hours. The business must also address
some of its main weaknesses, such as its poor online banking services and limited market
penetration. To make BDO more well-known among other people, it is crucial to have a
stronger market presence, particularly in rural regions and on the international scene. To be
consistent with its performance and to reduce the number of complaints about online banking
services, the services must also undergo extensive improvements.

F. Competitive Profile Matrix

G. Assumptions
G.1. General Environment Stability
G.2. Industry Growth Prospects
G.3. Company's Competitive Position

3. Problem Statement

1. What are the possible improvements for BDO Unibank’s Online Banking experience?
2. How can BDO Unibank avoid fraudulent transactions and ensure security over their
online device/internet banking?
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4. Alternative Courses of Action
A. Tows Matrix
B. Internal-External Matrix
C. Grand Strategy Matrix
D. Summary of Strategies

5. Recommended Alternative and Action Plan

A. Quantitative Strategic Planning Matrix
B. Action Plan
C. Financial Projections
C.1. Sales Forecast
C.2. Income Statement Forecast
C.3. Balance Sheet forecast
C.4. Cash Flow forecast