Legal Disclaimer
This presentation and the information contained herein as well as the materials distributed herewith ("Presentation") are
the sole and exclusive property of BDO Unibank, Inc. (“BDO”) and shall only be used for the purpose intended herein.
None of the information contained in this Presentation constitutes a solicitation, offer, opinion, or recommendation by
BDO to buy or to sell any securities or financial instrument or to provide any investment service or investment advice.
The information contained in this Presentation is based on carefully selected sources believed to be reliable but no
representation or warranty as to its accuracy or completeness is made. All statements in this Presentation, other than
statements of historical facts, that address activities, events, or developments that BDO expects or anticipates will or
may occur in the future (including but not limited to projections, targets, estimates and business plans) are forward-
looking statements. BDO’s actual results or developments may differ materially from those expressed or implied in these
forward-looking statements as a result of various factors and uncertainties, including but not limited to price fluctuations,
actual demand, exchange rate fluctuations, market shares, competition, changes in legal, financial and regulatory
frameworks, international economic and financial market conditions, political risks, cost estimates, and other risks and
factors beyond our control. Your use of the Presentation shall be at your sole risk and you shall form your own
conclusions as to the reliability of any information presented and as to any conclusions to be drawn therefrom. BDO shall
not be directly or indirectly liable, in any way, for any inaccuracies, errors, or omissions in the Presentation , including but
not limited to any quotes or financial data contained therein, nor for any damages resulting therefrom. Any
opinion/data/forward-looking statements herein reflected may be subject to change by BDO without notice.
Investor Relations & Corplan:
4F South Tower, BDO Corporate Center
7899 Makati Avenue, Makati City
Metro Manila 0726, Philippines
Phone: (632) 840 7000 (loc. 6069)
Fax: (632) 878 4151
Email: [email protected]
Website: www.bdo.com.ph
3
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Environmental, Social and Governance
V. Awards and Citations
4
• The Philippines’ largest bank with total assets of P2.40 Tn (USD47.81 Bn).
• A full-service universal bank with one of the widest distribution networks consisting of 1,129 operating branches and over 3,600 ATMs nationwide.
• Part of the SM Group, one of the country’s largest conglomerates.
About BDO
Milestones• Expansion through organic growth and M&As
1967
KB license
1994
P77 BN
Merged with Dao Heng
Bank Philippines
2001
P36 BN
U/KB license
1996
Acquired 1st e-Bank’s banking business
P121 BN
2002
Acquired UOB Philippines’ branch banking business
P234 BN
2005
P862 BN
Acquired GE Money Bank
2009
Acquired Rural Bank of San Juan’s banking business
P1.2 TN
2012 2014
Acquired Citibank Savings,
DB Trust and Real Bank
P1.9 TN
Acquired One
Network Bank
2015
Acquired by SM Group
1976
Assets
P13 BN
2003
Acquired Banco Santander Philippines
P149 BN P617 BN
2007
Merged with Equitable PCI Bank.
Acquired Amex Savings Bank Philippines
2016
Joint Ventures with Nomura Securities, and Mitsubishi Motors
Phils./Sojitz/JACCS; Acquired exclusive franchise of Diners Club Int’l and full
control of Generali Pilipinas Life (renamed as BDO Life Assurance)
P2 TN
Est. as
Acme
Savings
Bank
#19 #9 #5 #2 #1Ranking
Commercial Bank Expansion
P2.3 TN
6
Market Reach
• Wide and extensive coverage in key areas
27 International Offices
Europe - 1211 Remittance Offices
1 Representative Office
Middle East - 1Representative Office
SEA, China, HK, Taiwan,
Korea & Japan - 11 1 Full-service Branch
6 Remittance Offices
4 Representative Offices
North
America - 3 Remittance Offices
Philippines - 1,129
Branches
As of 24 May 2017
7
Domestic Distribution Network
BDO ONB Total
Luzon 311 6 317
Metro
Manila506 1 507
Visayas 108 16 124
Mindanao 79 102 181
Total
Branches1,004 125 1,129
As of 03 May 2017
• With longer banking hours, Saturday banking in select commercial
areas, and weekend banking for over 150 mall based branches
• Widest market reach complemented by over 3,600 ATMs and
electronic channels
8
Business Franchise
#1
Loans
#1
Deposits#1
Remittance
#1
Trust and
Asset Mgt
#1
Private
Banking
Leading Trade
Services Provider2
Major Player in
Cash Management3
#1
Rural
Banking
#2
Leasing &
Finance
#1
Investment
Banking4
#1
Insurance
Brokerage5
• Market-leading positions in almost all business lines
#1
Credit
Cards1
Notes:1 In terms of cardholder base, merchant acquiring gross billings, and credit card receivables2 According to The Asset, & Asian Banking and Finance3 According to The Asian Banker, Asian Banking and Finance, Alpha South East Asia4 In terms of corporate issuances5 Among insurance brokers in terms of premiums produced and commissions earned
1,005
589
437
151 109 105 87 81 79 53
BPI MBT LBP CHIB SCB RCBC UCPB PNB SECB
2,396
1,9221,730
1,377
778 728 618 527 515 515
MBT BPI LBP PNB SECB CHIB RCBC UBP DBP
9
Industry Ranking
Total Assets
(in PHP billions)
Source: Company data, consolidated statements of condition (SOC). Ranking as at 31 Mar 2017
Note: Financials prepared by banks under BSP’s SOC requirements differ slightly from reported financials under SEC
guidelines due to certain differences in accounting rules requested by the two authorities
Gross Customer Loans
Customer Deposits Assets Under Management
• No. 1 among Philippine banks
(in PHP billions) (in PHP billions)
(in PHP billions)
BDO Market Share – 19% BDO Market Share – 35%
BDO Market Share – 22%BDO Market Share – 18%
1,928
1,439 1,4311,216
590 531406 379 365 324
BPI MBT LBP PNB CHIB UBP SECB RCBC DBP
BDO Private Bank, Inc. 100%
BDO Capital & Investment Corporation 99.88%
BDO Leasing and Finance, Inc. BDO -87.43%, BDO Capital – 1.11%
One Network Bank, Inc. (A Rural Bank) 99.7583%
BDO Remit (USA), Inc. 100%
BDO Remit (Japan) Ltd. 100%
BDORO Europe Ltd. 100%
BDO Remit (Canada) Ltd. 100%
Express Padala (HK) Ltd. 100% (c)
BDO Remit(Italia) S.p.A. 100% (a)
BDO Remit Limited 100% (c)
BDO Remit (Macau)Limited 100%
BDO Remit Int’l Holdings B.V. 96.32%
Averon Holdings, Inc. 100%
BDO Rental, Inc. 100%
MMPC Auto Financial Services Corp. 40%
BANKING / FINANCE
BDO Unibank, Inc.
Armstrong Securities 80% (b)
REMITTANCES INSURANCE PROPERTY
BDO Nomura Securities, Inc. 51%
BDO Strategic Holdings, Inc. 100%
BDO Insurance Brokers, Inc. 100%
BDO Life Assurance Holdings Corp. BDO-98.05%, BDO Capital-1.95%
PCI Insurance Brokers, Inc. 100% (a)
Equimark-NFC Development Corp. 60%
SM Keppel Land, Inc. 50%
Northpine Land, Inc. 20%
Taal Land, Inc. 33.33% (b)
Unicorn First Properties, Inc. 35% (a)
OTHERS
NLEX Corp. (formerly Manila North Tollways Corp.) 12.4%
PCI Travel Corporation 35% (a)
Venture Industry for Business Enterprises 24% (a)
BDO Life Assurance Company, Inc. (formerly Generali Pilipinas Life Assurance Co., Inc.)100%
• With equity investments in allied and non-allied enterprises
Organizational Structure
** not yet operational.
(a) For dissolution(b) For sale(c) For merger
BDO Securities Corporation 100%
BDO Remit (UK) Ltd. (formerly CBN London Ltd.) 100%
CBN Greece S.A. 99.8%
CBN Ireland Remittance Centre Designated Activity Company. 100%
CBN Remittance Center S.A. 99.99%
Stockholders of BDO
Financial Allied Subsidiary
Financial Allied Affiliate
Non-Financial Allied Subsidiary
Non-Allied UndertakingSubsidiary/Affiliates of BDO
Subsidiaries
Non-Financial Allied Affiliate
The Banker Top 1000 World Banks – Tier 1 Capital 2015
11
USD Million
239
Rank Origin Bank
243
240
242
245
246
247
248
4,231
4,220
4,219
4,174
4,169
4,079
4,050
4,022
4,007
4,005
0 1000 2000 3000 4000
Grupo Financiero Banorte
Chugoku Bank
Alfa Bank
Xiamen International Bank
BDO Unibank
Bank ABC
Popular
Baoshang Bank
Abanca Corporacion Bancaria
IDBI
241
244
The Banker Top Philippine Banks – Tier 1 Capital 2015
12
USD MillionBank
1
Rank
2
3
4
5
6
7
8
Acronyms:
BPI Bank of the Philippine Islands CHIB China Banking Corp.
MBT Metropolitan Bank& Trust SECB Security Bank Corp.
PNB Philippine National Bank LBP Land Bank of the Philippines
RCBC Rizal Commercial Banking Corp.
4,169
3,348
2,645
1,575
1,052
1,046
1,034
1,005
0 1000 2000 3000 4000
MBT
BPI
PNB
LBP
SECB
RCBC
CHIB
13
Credit Ratings
Moody’s FitchCapital
Intelligence
27-May-2017 21-Feb-2017 26-Aug-2016
Foreign Currency Bank
Deposits/Issuer/Debt Rating (IDR)
Long Term Baa2 BBB- BBB-
Short Term Prime-2 F3 A3
Outlook Stable Stable Positive
Senior Unsecured debt
Long Term Baa2 BBB-
Short Term Prime-2
Outlook Stable
BCA/Viability/Financial Strength Rating
Baseline Credit Assessment (BCA) baa2
Adjusted BCA Rating baa2
Viability Rating bbb-
Financial Strength Rating BBB-
Outlook Stable
Counterparty Risk (CR) Assessment
Long Term Baa1(cr)
Short Term P-2 (cr)
Source: Moody’s, Fitch and Capital Intelligence
14
Trading Fact SheetStock Details
Type Common Shares
Stock Ticker BDO
ISIN PHY077751022
Exchange Philippine Stock Exchange
Par Value P10.00
Outstanding No. of Shares* 4,367,386,199
Foreign Ownership Up to 40%
American Depositary Receipts (ADR) Program Details
Type Sponsored Level 1 ADR
ADR Ticker BDOUY
ISIN US05537Y305
Ratio 1 ADR = 10 Ordinary Shares
Depositary Bank Deutsche Bank Trust Company Americas
Contact Details
ADR Broker Helpline
Tel (New York) + 1 212 250 9100
Tel (London) + 44 207 547 6500
Email [email protected]
ADR website www.adr.db.com
Depositary Bank's Local Custodian Deutsche Bank AG, Manila
*As of May 9, 2017
15
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Environmental, Social and Governance
V. Awards and Citations
1Q17 Income Statement
(in PHP billion) 1Q17 1Q16 YoY%
Interest Income 22.6 19.6 15.3%
Loans & Other Receivables 19.9 17.6 12.7%
Interest Expense 4.2 4.1 0.8%
Net Interest Income 18.4 15.5 19.2%
Non-interest Income 11.4 7.5 52.4%
Fee Income 6.8 4.8 41.7%
Insurance Premiums 2.2 0.0 -
Trading & FX 1.4 1.5 -3.7%
Others 1.0 1.3 -17.8%
Gross Operating Income 29.8 23.0 30.0%
Operating Expense 20.9 15.0 39.1%
Insurance benefits and claims 2.0 0.0 -
Pre-Provision Operating Profit 9.0 8.0 13.0%
Provisions 1.4 0.8 72.1%
Net Income before Tax 7.6 7.1 6.1%
Taxes 1.7 1.6 5.1%
Net Income 5.8 5.5 6.4%
BDO Conso
1Q17 Balance Sheet
(in PHP billion) 1Q17 1Q16 YoY%
Resources
Reserve Assets 493.9 503.9 -2.0%
Investment Securities 298.4 228.5 30.6%
Gross Customer Loans 1,543.7 1,274.9 21.1%
Investment Properties 15.3 14.8 3.5%
Other Assets 44.5 45.9 -2.9%
Total Resources 2,395.9 2,068.0 15.9%
Liabilities
Deposits 1,928.1 1,704.3 13.1%
CASA 1,404.2 1,197.4 17.3%
Bills Payable/Sub-Debt 91.8 102.2 -10.2%
Insurance Contract Liab. 22.6 0.0 -
Other Liabilities 71.1 57.4 23.7%
Total Liabilities 2,113.5 1,863.9 13.4%
Total Capital 282.4 204.1 38.3%
Total Liabilities & Capital 2,395.9 2,068.0 15.9%
BDO Conso
17
Deposits YoY ∆ 10% 9% 44% 11% 11% 15% 13%
CASA YoY ∆ 13% 12% 31% 24% 19% 21% 17%
CASA Ratio 62% 64% 58% 64% 68% 73% 73%
Cost of Deposits 1.62% 1.50% 0.96% 0.75% 0.81% 0.77% 0.72%
531 592775
9591,138
1,382 1,404328339
570
533
526
523 524
859932
1,345
1,492
1,664
1,905 1,928
0
200
400
600
800
1,000
1,200
1,400
1,600
1,800
2,000
2011 2012 2013 2014 2015 2016 1Q17
TimeDeposits
CASA
19
Deposits
(in P bn)
• Sustained growth in low-cost deposits
• With one of the highest CASA ratios
Total
21
Capital
Stock Rights OfferCapital Adequacy Ratio
PHP60 bn USD1.20 bnJanuary 2017
To support medium-term
growth objectives
To provide buffer over higher capital requirements with DSIB surcharge
BDO 1Q17
CAR
22
Income Statement(in PHP billion) 2011 2012 2013 2014 2015 2016 1Q17
Interest Income 50.5 54.0 56.6 63.6 72.1 82.0 22.6
Interest Expense 16.9 17.9 13.4 12.4 15.2 16.4 4.2
Net Interest Income 33.6 36.1 43.2 51.2 57.0 65.6 18.4
Non-interest Income 20.9 24.4 31.8 29.5 31.9 41.6 11.4
Fee Income 12.3 13.4 15.5 18.0 19.4 22.2 6.8
Insurance Premiums - - - - - 8.1 2.2
Trading & FX 5.6 8.2 12.8 7.1 7.2 4.8 1.4
Others 3.0 2.8 3.6 4.4 5.4 6.5 1.0
Gross Operating Income 54.5 60.5 75.0 80.7 88.9 107.2 29.8
Operating Expense 35.8 39.5 43.3 48.5 55.1 70.1 20.9
Insurance Benefits and Claims - - - - - 5.9 2.0
Pre-Provision Operating Profit 18.7 21.1 31.8 32.2 33.8 37.1 9.0
Provisions 6.1 4.9 7.0 5.1 3.0 3.8 1.4
Income bef. Pre-Acquisition 12.6 16.1 24.8 27.1 30.8 33.3 7.6
Pre-Acquisition Income - - - - - (0.4) -
Taxes 1.7 1.6 2.1 4.2 5.7 6.8 1.7
Net Income 10.8 14.5 22.6 22.8 25.0 26.1 5.8
23
Balance Sheet(in PHP billion) 2011 2012 2013 2014 2015 2016 1Q17
Resources
Reserve Assets 170.4 201.4 491.5 488.4 461.7 510.8 493.9
Investment Securities 188.4 237.3 227.9 221.5 225.8 269.0 298.4
Gross Customer Loans 670.1 769.0 911.5 1,089.4 1,279.4 1,482.0 1,543.7
Investment Properties 10.1 9.1 10.4 13.9 14.6 15.2 15.3
Other Assets 55.1 24.8 31.5 50.5 49.9 47.9 44.5
Total Resources 1,094.2 1,241.5 1,672.8 1,863.6 2,031.3 2,325.0 2,395.9
Liabilities
Deposits 858.6 931.6 1,345.3 1,492.3 1,663.9 1,905.2 1,928.1
Bills Payable/Sub-debt 97.7 100.4 97.3 110.4 107.6 110.6 91.8
Insurance Contract Liab. - - - - - 20.5 22.6
Other Liabilities 44.1 55.2 65.8 81.3 60.2 71.1 71.1
Total Liabilities 1,000.4 1,087.2 1,508.4 1,684.0 1,831.6 2,107.4 2,113.5
Total Capital 93.8 154.4 164.4 179.7 199.6 217.5 282.4
Total Liabilities & Capital 1,094.2 1,241.5 1,672.8 1,863.6 2,031.3 2,325.0 2,395.9
24
1 Per SOC, BSP
*Annualized
Financial Performance Indicators2011 2012 2013 2014 2015 2016 1Q17
Profitability
Return on Ave. Common Equity 12.4% 12.0% 14.3% 13.6% 13.6% 12.6% 9.4%
Return on Average Assets 1.0% 1.3% 1.6% 1.3% 1.3% 1.2% 1.0%
Margins and Liquidity
Net Interest Margin (NIM) 3.5% 3.4% 3.3% 3.2% 3.2% 3.2% 3.3%
Loan to Deposit Ratio 78.1% 82.5% 67.8% 73.0% 76.9% 77.8% 80.1%
Liquid Assets to Total Assets 35.8% 35.3% 43.0% 38.1% 33.9% 33.5% 33.1%
Cost Efficiency
Cost to Income Ratio 65.6% 65.2% 57.7% 60.1% 62.0% 65.4% 69.9%
Cost to Assets Ratio 3.4% 3.4% 3.0% 2.7% 2.8% 3.2% 3.5%
Asset Quality
NPL Ratio 3.4% 2.8% 1.6% 1.3% 1.2% 1.3% 1.3%
NPL Cover 106.0% 125.7% 170.7% 188.4% 166.1% 139.3% 137.9%
Capital1
CET1 12.0% 11.3% 10.6% 14.0%
Tier 1 Ratio 10.0% 15.2% 14.3% 12.4% 11.7% 10.9% 14.3%
Capital Adequacy Ratio 15.6% 19.1% 15.4% 14.5% 13.3% 12.3% 15.6%
Basel II Basel III
*
*
*
*
25
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Environmental, Social and Governance
V. Awards and Citations
26
Shareholder Structure
• Majority owned by the SM Group
As of 31 March 2017
Name Nationality Shareholdings
Percentage
of
Ownership
SM Investments Corp. Filipino 1,750,930,649 40.09%
PCD Nominee Foreign 1,348143,345 30.87%
PCD Nominee Filipino 781,020,767 17.88%
Multi-Realty Development Corporation
Shoemart, Inc.
Filipino
Filipino
282,890,230
90,024,395
6.48%
2.06%
Sub-Total, Top Shareholders 96.58%
Total Shares Outstanding* 4,367,168,499
Source: Top 100 Shareholders as of 31 March 2017
*Number of chares outstanding subsequently increased to 4,367,386,199 as of May 9, 2017 due to the purchase of additional common shares by the
Bank’s eligible senior officers pursuant to the Banks employee stock option/grant program and issuance of additional shares as a result of the recently
concluded stock rights offer.
27
Financial
Services
Property
Retail
Access to SM’s customer
network
• Over 17,000 PHL tenants
• More than 9,500 suppliers
• 3.5 million average daily foot
traffic
• In-house business
• Home mortgage financing
for SM property projects
New business
opportunity
• Goodwill from the SM
franchise
• Joint product development
SM expertise
• Middle market knowledge
• Expertise in retail market
and real estate
Branch locations
• Branches, ATMs in SM malls
• One of the largest integrated
property developer in Southeast
Asia by market capitalization
• Dominant domestic mall
developer/operator - 61 malls with
GFA of 7.8 mn sq m
• Largest local retail chain with 610
stores nationwide
• Increased presence in
discretionary retail with 1,584
outlets
• Biggest domestic banking
operations
• Interests in BDO and China Bank
The SM Group
• Harnessing synergies with the country’s largest conglomerate
7 directors out of 11 have an average of 35 years of banking
experience, including a former Partner and Head of Asia
Financials Research at Goldman Sachs
2 directors are practicing attorneys, and another one is a
Philippine bar topnotcher and member of the State Bar of
New York
• One of the strongest Board of Directors in the industry with extensive
banking and finance, legal and business background
Experienced
Bankers
Practicing
Lawyers
1 director is a successful businessman who has made his
mark in the field of retailing
Successful
Entrepreneur
Board of Directors
28
Board of Directors
Henry T. Sy Senior
Chairman Emeritus — first appointed to the Board in 1976
Founder and Chairman of the SM Group of Companies
Started his entrepreneurship career in 1958
Chairman of SMIC, SM Prime Holdings and SM Dev. Corp.
Jesus A. Jacinto Jr.
Vice Chairman — first appointed to the Board in 1996
Chairman and President of BDO Insurance Brokers
Chairman and President of Jaces Corp.
MBA Columbia University
Teresita T. Sy
Chairperson — first appointed to the Board in 1977
Serves as Director in multiple subsidiaries of BDO
Vice Chairperson of SMIC and Director of other SM Group
companies, including Multi-Reality Dev. Corp.
Antonio C. Pacis
Director — first appointed to the Board in 2004
Director of BDO Capital
Corporate lawyer since 1967
Degree from Harvard Law School
Josefina N. Tan
Director — first appointed to the Board in 2007
President of BDO Private Bank
Former Director of EPCIB from 2005 to 2007
Former Director of Banco de Oro from 2001 to 2005
Nestor V. Tan
President and CEO — first appointed to the Board in 1998
Holds Directorships of numerous BDO subsidiaries
Director of the Bankers Association of the Philippines
MBA Wharton School
Dioscoro--Roy I. Ramos
Independent Director — first appointed to the Board in 2016
CIO of RY&S Investments Ltd., Hong Kong since 2011
Former Partner and Head of Asia Financials Research from
1994 to 2011 at Goldman Sachs
Jimmy T. Tang
Independent Director — first appointed to the Board in 1984
Serves as Independent Director since 2002
Previously served as Director since 1984
Chairman and President of AVESCO Group of Companies
Gilberto C. Teodoro
Independent Director – first appointed to the Board in 2014
Served as Secretary of National Defense from 2007-2009
Masters of Laws from Harvard Law School
Topnotcher, 1989 Philippine Bar Examinations
Jones M. Castro Jr.
Independent Director — first appointed to the Board in 2012
Served as Head for South Asia and SEA at Wells Fargo Bank
MBA Stanford University
Jose F. Buenaventura
Independent Director — first appointed to the Board in 2013
Senior Partner of Romulo Mabanta Buenaventura Sayoc & De
Los Angeles Law Offices since 1976
Master of Laws from Georgetown University Law Center
Christopher A. Bell-Knight
Director — re-elected to the Board in 2013
Previously served as BDO Director from May 2005 - Sep 2010
Former VP and Country Head of the Bank of Nova Scotia
Associate of the Chartered Institute of Bankers - British
• With broad business and professional experience
Corporate Support
Senior Management Team • With extensive professional banking expertise
Anthony Chua
Head — Global Operations
With BDO since 2014
Over 30 years of banking experience
Dennis B. Velasquez
Head — Central Operations
With BDO since 1995
Over 30 years of banking experience
Evelyn C. Salagubang
Head — Human Resources
With BDO since 2007
Over 20 years experience in HR
Lucy Co Dy
Head — Comptrollership
With BDO since 1985
Over 30 years of banking experience
Ricardo V. Martin
Head — IT Group
With BDO since 2001
Over 30 years of banking experience
Edwin Romualdo G. Reyes
Head — Transaction Banking
With BDO since 2015
29-year banking experience
Evelyn L. Villanueva
Head — Risk Management
With BDO since 2002
Over 30 years of banking experience
Luis S. Reyes Jr.
Head — IR & Corplan
With BDO since 2003
Over 30 years of banking experience
Rebecca S. Torres
Head — Compliance
With BDO since 1978
Over 30 years of banking experience
Alvin C. Go
Head — Legal
With BDO since 2013
In the practice of law for 30 years
Maria Theresa L. Tan
General Manager — BDO Insurance
With BDO since 2009
22-year banking and insurance experience
Josefina N. Tan
Head — Private Banking
With BDO since 2003
Over 30 years of banking experience
Eduardo V. Francisco
Head — Investment Banking
With BDO since 1999
27-year banking experience
Ador A. Abrogena
Head — Trust and Investments
With BDO since 1990
Over 30 years of banking experience
Walter C. Wassmer
Head — Business Lending
With BDO since 1997
Over 30 years of banking experience
Rolando C. Tanchanco
Head — Consumer Lending
With BDO since 2004
25-year banking experience
Jaime C. Yu
Head — Branch Banking
With BDO since 1997
Over 30 years of banking experience
Pedro M. Florescio III
Head — Treasury
With BDO since 2001
Over 30 years of banking experience
Products, Services and SubsidiariesIntermediation
Nestor V. Tan
President and CEO With BDO since 1997
Over 30 years of banking experience
Roberto E. Lapid
President — BDO Leasing and Finance
With BDOLF since 1993
Over 30-years of banking experience
Estrellita V. Ong
Head — Internal Audit
With BDO since 2011
Over 20 years experience in audit
Renato Vergel de Dios
CEO & Director – Generali Life
With Generali since 2009
40 years of experience in insurance
Ramon T. Militar
OIC, One Network Bank
With BDO since 2002
30 years of banking experience
31
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Environmental, Social and Governance
V. Awards and Citations
ESG Awards
Silver Awardee Corp Governance Scorecard
Awardee for ten (10) consecutive years
Among the Best CSR Companies in
the Philippines
Among the Best ER Companies in
the Philippines
Platinum
Award
Among the recipients of the 6th Asian Excellence Award
Corporate Governance Asia
Teresita T. Sy Asian Corporate Director Award
Institutional InvestorOne of the 15 Recipients of the
Institutional Investor Governance
Awards 2016
ASEAN Corporate
Governance Scorecard Among the Top 50 Publicly-
Listed Companies 2013-2015
37
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Environmental, Social and Governance
V. Awards and Citations
38
Awards and Citations, 2014-2017
Best Bank in the Philippines
Asiamoney
FinanceAsia
Among the Best Emerging Markets Banks
The Asset
Euromoney
Global Finance
Global Finance
Philippine Bank of the
Year 2016
Charlton East ColesTop 15, Philippine Company of
the Year 2016
Awards and Citations, 2014-2017
39
- Best Power Deal San Buenaventura Power Ltd Co.
- Project Finance Deal /- Best Energy/Renewable Energy Deal
San Carlos Sun Power
- Best Country Deal Monde Nissin
- Asia Pacific Power Deal San Buenaventura Power Ltd Co.
- Transport Deal of the YearMactan Cebu International Airport
Best Loan / Project Finance Deal
Among the Best Emerging Markets Banks
Global Finance
Asiamoney Euromoney
Project Finance
Magazine
The Asset
Best
Debt/Equity,
M&A
House
Best
Investment
Bank
Best
Private
Bank
Best Project
Finance
Bank
Best Retail &
Wholesale
Bank
40
Awards and Citations, 2014-2017
Best
Investment
Bank
Best
Private
Bank
Best Project
Finance
Bank
Best
Wholesale
Bank
Fund House of the
Year - Philippines
Best in Treasury & Working
Capital – SMEs in the
Philippines FinanceAsia FinanceAsia FinanceAsia
The Asset The Asset The Asset The AssetThe Asset
Euromoney
Global Finance
Asian Private
Banker
Asiamoney Asiamoney
AsianInvestor
Best
in Trade
Finance
Best in
Fund
Management
Best
FX Bank/
Provider
41
Awards and Citations, 2014-2017
Best
in Internet
Banking
Best
Retail Bank
The Asset
Best in
Internet
Banking
Best
in Trade
Finance
Best in Mobile Payment Initiatives
Best in Deposit Initiatives
The
Asian Banker
Best
in Cash Mgt. &
Transaction
Banking
Best
FX Bank/
Provider
Best in
Social Media
Initiatives
The
Asian Banker
The
Asian BankerBest Retail Bank in the
Philippines
Best Trade Finance
Provider in the
Philippines
2016 Cash
Management Poll as
voted by Corporates
On-line Banking Initiative of the Year
Automotive Lending Initiative of the Year
Mortgage & Home Loan Product of the Year
The
Asian Banker
Asian
Banking &
Finance
Asiamoney
Asian
Banking &
Finance
Asian
Banking &
Finance
Global Finance
Excellence in
Investor
Relations
Best
in Trade
Finance
Best in
Fund
Management
Best
FX Bank/
Provider
42
Awards and Citations, 2014-2017
Best
in Internet
Banking
Asiamoney
FinanceAsia
Among the Most Trusted Brands
Reader’s Digest
Asset Management Company of the Year
The AssetImpact Investor of the Year
Award
Best
FX Bank/
Provider
Best
in Fund
Management
Excellence in
Leadership &
Management
Excellence in
Investor
Relations(Individual Awards)
Best Managed Company in the Philippines – Large Cap
FinanceAsiaAmong the Best Managed
Public Companies
Asiamoney
Nestor V. TanBest Executive
Most Organized Investor Relations
Among the Best Investor Relations Companies in the
Philippines
Among the Best Senior Management IR Support
Teresita T. Sy & Nestor V. Tan One of Asia’s Best CEOs (IR)
Pedro M. Florescio One of Asia’s Best CFOs (IR)
Luis S. Reyes, Jr.One of the Best IR
Professionals (Phils)
Best FX Provider in the
Philippines
Best Investment
Management Company
- Philippines
Teresita T. Sy
Management Man of
the Year 2016Among the Best at
Investor Relations
FinanceAsia
Management
Association of
the Philippines
World Finance
Global Finance