BUGHAW, MARK VINCENT

CASTILLO, ARLENE
PAGOBO, JEJIE MARIE
PANERIO, ANSELMA V.
TABIGUE, NINO CARL
EVERLOUIE
 EXECUTIVE SUMMARY

BDO Unibank, Inc. is a full-service universal bank in the

Philippines. It provides a complete array of industry-leading
products and services including Lending (corporate and
consumer), Deposit-taking, Foreign Exchange, Brokering,
Trust and Investments, Credit Cards, Corporate Cash
Management and Remittances in the Philippines. Through
its local subsidiaries, the Bank offers Leasing and
Financing, Investment Banking, Private Banking, Rural
Banking, Bancassurance, Insurance Brokerage and Stock
Brokerage services.
COMPANY PROFILE

 BDO is a full-service universal bank in the Philippines. It provides a complete array

of industry-leading products and services including Lending (corporate and
consumer), Deposit-taking, Foreign Exchange, Brokering, Trust and Investments,
Credit Cards, Corporate Cash Management and Remittances in the Philippines. 
Through its local subsidiaries, the Bank offers Leasing and Financing, Investment
Banking, Private Banking, Rural Banking, Life Insurance, Insurance Brokerage and
Stock Brokerage services. 

 BDO’s institutional strengths and value-added products and services hold the key
to its successful business relationships with customers. On the front line, its
branches remain at the forefront of setting high standards as a sales and service-
oriented, customer focused force. BDO has the largest distribution network with
over 1,300 operating branches and more than 4,000 ATMs nationwide.
Company Profile

 Through selective acquisitions and organic growth, BDO has positioned itself
for increased balance sheet strength and continuing expansion into new
markets. As of 30 September 2018, BDO is the country’s largest bank in
terms of consolidated resources, customer loans, deposits, assets under
management and capital, as well as branch and ATM network nationwide.

 BDO is a member of the SM Group, one of the country’s largest and most
successful conglomerates with businesses spanning retail, mall operations,
property development (residential, commercial, resorts/hotel), and financial
services. Although part of a conglomerate, BDO’s day-to-day operations are
handled by a team of professional managers and bank officers. Further, the
Bank has one of the industry’s strongest Board of Directors composed of
professionals with extensive experience in various fields that include banking,
accounting, finance, law, bank regulations and risk management, strategy
formulation and merchandise marketing.
 BRIEF HISTORY OF BDO

 BDO Unibank was established on January 2, 1968, as Acme Savings Bank,

a thrift bank with just two branches in Metro Manila.
 In November 1976, Acme was acquired by the Sy Group, the group of
companies currently owned by retail magnate Henry Sy, and renamed
Banco de Oro Savings and Mortgage Bank.
 In December 1994, BDO became a commercial bank and was renamed
Banco de Oro Commercial Bank.
 In September 1996, BDO became a universal bank, which led to the
bank's name being changed to the current Banco de Oro Universal Bank
(BDO Unibank). It is one of the many banks owned by a Chinese-Filipino
in the Philippines (others include Metrobank and Chinabank).
History

 BDO Unibank eventually became involved in insurance services in

1997 (it is a bancassurance firm) by establishing a subsidiary
called BDO Insurance Brokers.
 In 1999, BDO Unibank expanded its insurance services through
partnerships with Zamora Assurance and Assicurazoni Generali s.p.a.,
one of the world's largest insurance firms, and Jerneh Asia Berhad, a
member of Malaysia's Kuok Group. Later, BDO Unibank.
 Partnered up with its insurance affiliates, which are Generali Pilipinas
Life Assurance Company and Generali Pilipinas Insurance Company, in
March 2000.
 CORE VALUES

Commitment to Customers
We are committed to deliver products and services that surpass customer expectations in value and every
aspect of customer services, while remaining to be prudent and trustworthy stewards of their wealth.

Commitment to a Dynamic and Efficient Organization

We are committed to creating an organization that is flexible, responds, to change and encourages
innovation and creativity. We are committed to the process of continuous improvement in everything we do.

Commitment to Employees
We are committed to our employees’ growth and development and we will nurture them in an environment
where excellence, integrity, teamwork, professionalism and performance are valued above all else.
 Core Values

  Commitment to Shareholders
We are committed to provide our shareholders with superior returns over the long
term.

CORPORATE MISSION
To be the preferred bank in every market we serve by consistently providing
innovative products and flawless delivery of services, proactively reinventing ourselves to
meet market demands, creating shareholders value through superior returns, cultivating in
our people a sense of pride and ownership, and striving to be always better than what we are
today… tomorrow.
 Vision & Mission

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.

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.
 BDO BOARD AND
CORPORATE OFFICERS
SHAREHOLDER MATTERS
Chairperson Teresita T. Sy Chairperson Teresita T. Sy
Vice Chairman &
Roberto E. Lapid
President Vice Chairman & President Roberto E. Lapid
Director Antonio N. Cotoco Corporate Secretary/Officer-
Atty. Joseph Jason M.
Director Nestor V. Tan In-Charge (for regulatory
Natividad
disclosure)
Director Luis S. Reyes Jr.
Assistant Corporate
Director Exequiel P. Villacorta Jr. Secretary /Officer-In- Atty. Angelita L. Ortega-
Charge(for regulatory Cortez
Director Jeci A. Lapus
disclosure)
Director Walter C. Wassmer Corporate Information
Atty. Elmer B. Serrano
Independent Director Atty. Jesse H.T. Andres Officer

Independent Director Ma. Leonora V. De Jesus Treasurer Luis S. Reyes Jr.

Independent Director Jesus G. Tirona Chief Risk & Compliance
Peter Blair S. Agustin
Adviser to the Board Atty. Edmundo L. Tan Officer
BDO BANKS AND ATM LOCATIONS IN
CEBU CITY AREA
BALANCE SHEET
 Liquid Assets to Total Assets NPL to Gross Customer Loans
39.0% 1.3%

38.0% 1.3%

1.3%
37.0%
1.3%
36.0%
1.2%
35.0%
1.2%
34.0%
1.2%
33.0%
1.2%
32.0% 1.2%

31.0% 1.1%
2014 2015 2016 2014 2015 2016

Non-Performing Loans Cover

200.0%
180.0%
160.0%
140.0%
120.0%
100.0%
80.0%
60.0%
40.0%
20.0%
0.0%
2014 2015 2016
 Assets to Equity Capital Adequancy Ratio
10.8 15.0%

10.7 14.5%
10.6
14.0%
10.5
13.5%
10.4
13.0%
10.3
12.5%
10.2
12.0%
10.1

10 11.5%

9.9 11.0%
2014 2015 2016 2014 2015 2016

CET 1 Ratio
12.5%

12.0%

11.5%

11.0%

10.5%

10.0%

9.5%
2014 2015 2016
 Tier 1 Ratio Return on Average Common Equity
13.8%
13.0%
13.6%
12.5% 13.4%

13.2%
12.0%
13.0%
11.5% 12.8%

12.6%
11.0%
12.4%
10.5% 12.2%

12.0%
10.0% 2014 2015 2016
2014 2015 2016

Return on Average Assets

1.3%
1.3%
1.3%
1.3%
1.2%
1.2%
1.2%
1.2%
1.2%
1.1%
2014 2015 2016
 Cost to Income Ratio
Net Interest Margin
66.0%
3.26%
65.0%
3.24% 64.0%

3.22% 63.0%

3.20% 62.0%
61.0%
3.18%
60.0%
3.16%
59.0%
3.14% 58.0%
3.12% 57.0%
2014 2015 2016 2014 2015 2016

Cost to Average Assets Ratio

3.3%
3.2%
3.1%
3.0%
2.9%
2.8%
2.7%
2.6%
2.5%
2.4%
2014 2015 2016
 THANK YOU!!

an
we’re IE’s anddwe Find ways