1 August 2014 Investor Presentation Presentation Outline I. - - PowerPoint PPT Presentation

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Investor Presentation

August 2014

Presentation Outline

I. OVERVIEW II. FINANCIAL HIGHLIGHTS III. OWNERSHIP, BOARD, AND MANAGEMENT IV. CORPORATE GOVERNANCE AND CORPORATE SOCIAL RESPONSIBILITY IV. AWARDS AND CITATIONS

4

• The Philippines’ largest bank

with total assets of P1.7 Tn (USD 37.7 Bn).

• A full service universal bank with
• ne of the widest networks of

more than 840 operating branches (with Citi Savings Bank) and over 2,400 ATMs nationwide.

• Has one of the country’s

strongest Board of Directors in terms of banking experience and corporate governance.

• Part of the SM Group, one of the

country’s largest conglomerates.

About BDO

Acquired GE Money Bank

• Est. as Acme

Savings Bank Acquired by SM Group KB license Merged with Dao Heng Bank Philippines Acquired 1st e-Bank’s banking business Acquired Banco Santander Philippines Acquired UOB Philippines’ branch banking business Merged with Equitable PCI Bank. Acquired Amex Savings Bank Philippines Assets P13 BN P36 BN P77 BN P121 BN P149 BN P234 BN P862 BN P1.0 TN Commercial Bank Expansion

1976 1968 1994

P617 BN Acquired Rural Bank of San Juan P1.2 TN P1.7 TN U/KB license

Milestones

• Expansion through organic growth and M&A

2001 1996 2002 2003 2005 2007 2009 2012 2010 2013 2014

Acquired Citi Savings Bank Acquired the trust business

• f Deutsche

Bank in the Philippines 5

6

• Deposit and

related products

• Over-the-counter

transactions

• Cross-selling

distribution platform

• Cash management

services

• Electronic banking
• ATMs
• Prepaid cards
• Merchant acquiring
• Remittances
• Brokerage
• Bancassurance
• Investment

management

• Unit investment

trust funds

• Living trusts
• Retirement funds
• Special trusts /

custodianship

• Auto
• Mortgage
• Credit cards
• Personal loans
• Corporate and

middle market lending

• Trade finance
• Specialized lending
• Financial Institutions
• Cross-border

financing

• Underwriting and

distribution of Fixed income and equity securities

• Financial advisory
• Project finance
• Loan syndication
• Wealth advisory
• Customized portfolio

management

• Fixed income

dealership

• Foreign exchange

transactions

• Portfolio

management

• Liquidity

management

• Direct lease, sale

and leaseback arrangements

• Installment paper

purchases

• Receivable

discounting and factoring

Full Service Bank

• Complete range of financial products and services

7

Market Reach

• Wide and extensive coverage in key areas

North America

3

Europe

2

Middle East

1

SEA, HK & Taiwan

10 16 International Offices

Philippines

as of 31 July 2014

846

Number of

• perating

branches Savings

836 10

8

Notes: 1 According to The Asian Banker, Global Finance, The Asset, & Trade Finance Magazine 2 According to The Asset 3 In terms of cardholder base & merchant acquiring gross billings 4 In terms of corporate issuances 5 Among insurance brokers in terms of premiums produced

Business Franchise

#1 Loans #1 Deposits #1 Remittance #1 Trust and Asset Mgt #1 Private Banking L e a d i n g T r a d e S e r v i c e s P r

• v

i d e r

1

M a j

• r

P l a y e r i n C a s h M a n a g e me n t

2

# 1 C r e d i t C a r d s

3

# 2 L e a s i n g & F i n a n c e # 1 I n v e s t me n t B a n k i n g

4

# 1 L

• c

a l I n s u r a n c e B r

• k

e r a g e

5

• Market-leading positions in almost all business lines

Total Assets

(in PHP billions) Source: Company data, consolidated statements of condition (SOC). Ranking as at 30 June 2014 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

Industry Ranking

Gross Customer Loans Customer Deposits Assets Under Management

• No. 1 among Philippine banks

9

1,700 1,442 1,285 942 581 455 430 422 385 366

MBT BPI LBP PNB China RCBC DBP SECB UBP

BDO Market Share – 17%

(in PHP billions)

973 708 641 309 267 267 232 170 129 129

BPI MBT LBP PNB China RCBC SECB DBP UBP

(in PHP billions)

BDO Market Share – 21%

1,365 1,077 1,073 808 437 388 301 298 252 218

MBT BPI LBP PNB China RCBC UBP DBP SECB

(in PHP billions)

BDO Market Share – 18%

775 492 335 219 92 84 63 63 60 57

BPI MBT SChart UCPB RCBC HSBC China PNB LBP

BDO Market Share – 32%

BDO UNIBANK, INC. PHILIPPINE PARENT BANK

• With equity investments in allied and non-allied enterprises

Organizational Structure

Financial Companies Insurance Companies Real Estate Companies Service Companies BDO Private Bank, Inc. (100%) BDO Capital & Investment Corporation (100%) BDO Securities Corporation (100%) CBN Grupo International Holdings B.V. (60%) Averon Holdings Corporation (100%) PCIB Securities, Inc. (100%) Express Padala (HK) Ltd. (100%) Express Padala Frankfurt GmbH (100%) BDO Leasing and Finance,

• Inc. (87%); BDO Capital &

Investment Corporation (11.11%) BDO Rental, Inc. (100%) Citibank Savings, Inc. (99.99%) ArmstrongSecurities,

• Inc. (80%)

BDO Remit (Italia) S.p.A. (100%) BDO Remit Limited (100%) BDO Remit (Macau)

• Ltd. (100%)

BDO Remit (USA), Inc. (100%) BDO Insurance Brokers,

• Inc. (100%)

Generali Pilipinas Holding Co., Inc. (BDO – 38.05% & BDO Cap – 1.95%) BDORO Europe Ltd. (100%) Equimark-NFC Development Corp. (60%) SM Keppel Land, Inc. (50%) Taal Land, Inc. (33%) NorthPine Land, Inc. (20%) Manila North Tollways Corp. (12%) BDO Strategic Holdings Inc. (100%)

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The Banker Top 1000 World Banks – Tier 1 Capital

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Tier 1 Capital Ranking of Banks

(as of 31 December 2013) World Rank Local Rank Country Name of Bank Tier 1 Capital ($ Mn) Current Previous 264 262 7 CHE Basier Kantonalbank 3,433 265 237 9 IND IDBI 3,429 266 303 11 ESP Ibercaja 3,421 267 284 38 USA Raymond James 3,419 268 251 1 PHL BDO Unibank, Inc. 3,413 269 230 4 IDN Bank Negara Indonesia 3,406 270 273 5 AUT Bawag PSK 3,371 271 267 17 DEU Aareal Bank 3,361 272 344 30 CHN Bank of Hangzhou 3,360 273 271 6 MYS Bank Rakyat 3,351

The Banker Top Philippine Banks – Tier 1 Capital

12

Tier 1 Capital Ranking of Banks

(as of 31 December 2013) World Rank Local Rank Name of Bank Tier 1 Capital ($ Mn) Current Previous 268 251 1 BDO Unibank, Inc. 3,413 314 333 2 Metropolitan Bank & Trust 2,758 382 386 3 Bank of the Philippine Islands 2,108 506 642 4 Philippine National Bank 1,394 590 655 5 Rizal Commercial Banking Corp. 1,099 680 663 6 Security Bank 880 681 702 7 China Banking Corporation 878 751 765 8 Union Bank of the Philippines 736

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Credit Ratings

Moody’s 31 Mar 14 Fitch 30 Apr 14 Capital Intelligence 08 Oct 13 Issuer/Debt Rating (IDR) Long Term Baa3 BB+ BB+ Short Term Prime-3 B Outlook Positive Positive Positive Bank Financial Strength Rating (BFSR) D+ bb+ BBB- Outlook Stable Stable Baseline Credit Assessment (BCA) baa3 Adjusted BCA Rating baa3

Source: Moody’s, Fitch and Capital Intelligence

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Trading Fact Sheet

Type Common Shares Stock Ticker BDO ISIN PHY077751022 Exchange Philippine Stock Exchage Par Value P10.00 Outstanding No. of Shares 3,580,875,328 Foreign Owneship Up to 40% Type Sponsored Level 1 ADR ADR Ticker BDOUY ISIN US05537Y3045 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 adr@db.com ADR website www.adr.db.com Depositary Bank's Local Custodian Deutsche Bank AG, Manila Branch Stock Details American Depositary Receipts (ADR) Program Details

Presentation Outline

I. OVERVIEW II. FINANCIAL HIGHLIGHTS III. OWNERSHIP, BOARD, AND MANAGEMENT IV. CORPORATE GOVERNANCE AND CORPORATE SOCIAL RESPONSIBILITY IV. AWARDS AND CITATIONS

16 (in PHP billion) 1H14 1H13 YoY % Interest Income 30.6 27.0 13% Interest Expense 5.9 7.1

• 15%

Net Interest Income 24.7 19.9 24% Non-interest Income 14.2 20.4

• 30%

Fee Income 8.3 7.7 8% Trading & FX 4.2 11.0

• 62%

Others 1.7 1.6 6% Gross Op Income 38.9 40.1

• 3%

Operating Expense 24.2 21.1 15% Pre-Provision Op Profit 14.7 19.0

• 22%

Provisions 2.6 4.0

• 38%

Taxes 1.1 0.9 22% Net Income 11.1 14.1

• 22%

1H14 Income Statement

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(in PHP billion) 2009 2010 2011 2012 2013 Interest Income 48.8 49.9 50.5 54.0 56.6 Interest Expense 18.3 15.8 16.9 17.9 13.4 Net Interest Income 30.6 34.2 33.6 36.1 43.2 Non-interest Income 15.5 17.8 20.9 24.4 31.8 Fee Income 9.6 10.4 12.3 13.4 15.5 Trading & FX 3.6 5.8 5.6 8.2 12.8 Others 2.3 1.6 3.0 2.8 3.6 Gross Op Income 46.0 52.0 54.5 60.5 75.0 Operating Expense 32.1 34.8 35.8 39.5 43.3 Pre-Prov Op Profit 13.9 17.2 18.7 21.0 31.7 Provisions 6.2 6.7 6.1 4.9 7.0 Taxes 1.7 1.6 1.7 1.6 2.1 Net Income 6.0 8.8 10.8 14.5 22.6

2009 to 2013 Income Statement

(in PHP billion) 2Q14 2Q13 YoY % Resources Reserve Assets 473.5 259.2 83% Investment Securities 193.7 226.4

• 14%

Gross Customer Loans 975.1 806.6 21% Investment Properties 10.1 9.3 9% Other Assets 32.1 29.0 11% Total Resources 1,684.5 1,330.5 27% Liabilities Deposits 1,365.9 1,015.4 35% Bills Payable/Sub-Debt 86.3 91.3

• 5%

Other Liabilities 63.6 64.0

• 1%

Total Liabilities 1,515.8 1,170.7 29% Total Capital 168.7 159.8 6% Total Liabilities & Capital 1,684.5 1,330.5 27% 18

2Q14 Balance Sheet

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(in PHP billion) 2009 2010 2011 2012 2013 Resources Reserve Assets 176.6 229.6 203.5 201.2 491.5 Investment Securities 171.7 197.3 188.4 237.3 227.9 Gross Customer Loans 472.7 541.5 670.1 769.0 911.5 Investment Properties (net) 13.8 12.0 10.1 9.1 10.4 Other Assets 27.2 20.5 22.1 25.0 31.5 Total Resources 862.0 1,000.9 1,094.2 1,241.6 1,672.8 Liabilities Deposits 694.7 782.6 858.6 931.6 1,345.3 Bills Payable/Sub-Notes 54.6 89.0 97.7 100.4 97.3 Other Liabilities 44.9 40.5 44.1 55.2 65.8 Total Liabilities 794.2 912.1 1,000.4 1,087.2 1,508.4 Total Capital 67.9 88.7 93.8 154.4 164.4 Total Liabilities & Capital 862.0 1,000.9 1,094.2 1,241.6 1,672.8

2009 to 2013 Balance Sheet

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Financial Performance Indicators

2009 2010 2011 2012 2013

Profitability

Return on Ave. Common Equity 10.4% 11.9% 12.4% 12.0% 14.5% Return on Average Assets 0.7% 1.0% 1.0% 1.2% 1.6%

Margins and Liquidity

Net Interest Margin (NIM) 4.1% 4.1% 3.5% 3.4% 3.2% Loans to Deposit Ratio 68.0% 69.2% 78.1% 82.5% 67.8% Liquid Assets to Total Assets 40.2% 42.6% 35.8% 35.3% 43.0%

Cost Efficiency

Cost to Income Ratio 69.8% 66.9% 65.6% 65.2% 57.7% Cost to Assets Ratio 3.9% 3.7% 3.4% 3.4% 3.0%

Asset Quality

NPL Ratio 5.0% 4.7% 3.4% 2.8% 1.6% NPL Cover 79.8% 92.1% 106.0% 125.7% 170.7%

Capital and Leverage

Capital Adequacy Ratio 12.4% 14.0% 15.6% 19.1% 15.4% Tier 1 Ratio 8.4% 10.0% 10.0% 15.2% 14.3%

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Loan Growth

• Outpacing industry growth with broad market coverage

22

Deposit Growth

• Remains strong, with focus on CASA growth

Net Income

23

• Sustained growth with record profits

8.8 10.8 14.5 22.6 11.1

2 4 6 8 10 12 14 16 18 20 22 24 2009 2010 2011 2012 2013 1H14 (P bn)

6.0

24

Note: Minimum CET1 and Tier 1 ratios under Basel III are inclusive of the 2.5% capital conservation buffer

Capital Adequacy Ratio (Consolidated)

• Comfortably above Basel III standards to support medium

term growth plans 14.5%

13.8% 15.8% 19.2% 15.4% Basel II Min Req CAR Tier 1 Basel III Min Req

Presentation Outline

I. OVERVIEW II. FINANCIAL HIGHLIGHTS III. OWNERSHIP, BOARD, AND MANAGEMENT IV. CORPORATE GOVERNANCE AND CORPORATE SOCIAL RESPONSIBILITY IV. AWARDS AND CITATIONS

26

Shareholder Structure

Source: Top 100 Shareholders as of 30 June 2014

• Majority owned by the SM Group

SM Investments Corp. 40.9% PCD Nominee Corp. (Non-Filipino) 32.0% PCD Nominee Corp. (Filipino) 9.4% Multi-Realty Development Corporation 8.8% Sybase Equity Investments Corporation 5.1% Sub-Total, Top Shareholders 96.2% Top Shareholders as of 30 June 2014

Financia l Services

27

Property Retail

Access to SM’s customer netw ork

• Alm ost 16,000

Philippine t enant s

• More t han 5,000

suppliers

• 3.5 m illion average

daily foot t raffic

• In-house business
• Hom e m ort gage

financ ing for SM propert y projec t s

New business

• pportunity
• Goodw ill from t he SM

franc hise

• J oint produc t

developm ent

SM expertise

• Middle m ark et

k now ledge

• Ex pert ise in ret ail

m ark et and real est at e

Branch locations

• Branc hes, ATMs in SM

m alls

• Leading resident ial

c ondom inium developer in Met ro Manila in t erm s of unit s sold

• Am ong t he fast est grow ing

c om m erc ial, resort s and hot el developers in t he Philippines

• Largest loc al ret ail c hain

w it h 245 st ores nat ionw ide

• Dom inant dom est ic m all

developer/operat or - 49 m alls w it h GFA of over alm ost 6.4 m n sqm

• Biggest dom est ic bank ing
• perat ions
• Int erest s in BDO and China

Bank

The SM Group

• Harnessing synergies with the country’s largest conglomerates

• 7 directors out of 11 have over 100 years’ combined

experience from both local and foreign banking institutions

• 3 directors are practicing attorneys, two of which head their
• wn law firms, and the other 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 related experience

Experienced Bankers Practicing Lawyers

• 1 director is a successful businessmen who has made his

mark in the field of retailing Successful Entrepreneurs

Board of Directors

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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 — first appointed to the Board in 1998

 Holds Directorships of numerous BDO subsidiaries  Director of the Bankers Association of the Philippines  MBA Wharton School

Cheo Chai Hong Director — first appointed to the Board in 2010

 Director of UOB (Philippines), UOB Global Capital Private,

UOB (Thai) and Encus International

 Head of Corporate Planning and International of UOB Group

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

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Arthur L. Tan Head — IT Operations  With BDO since 2002  17-year banking experience Dennis B. Velasquez Head — Central Operations  With BDO since 1995  33-year banking experience Evelyn L. Villanueva Head — Risk Management  With BDO since 2002  33-year banking experience Evelyn C. Salagubang Head — Human Resources  With BDO since 2007  20-year experience in HR Luis S. Reyes Jr. Head — IR & Corplan  With BDO since 2003  32-year banking experience Rafael G. Besa Head — Marketing  With BDO since 2007  9-year banking experience Ricardo V. Martin Head — Compliance & Legal  With BDO since 2001  33-year banking experience Lucy Co Dy Head — Comptrollership  With BDO since 1985  37-year banking experience

Corporate Support

Walter C. Wassmer Head — Business Lending  With BDO since 1997  33-year 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  31-year banking experience Pedro M. Florescio III Head — Treasury  With BDO since 2001  29-year banking experience

Services Intermediation

Nestor V. Tan President

 With BDO since 1997  32-year banking experience Ador A. Abrogena Head — Trust and Investments

 With BDO since 1990  36-year banking experience Jonathan C. Diokno Head — Remittance Origination  With BDO since 2001  20-year banking experience Josefina N. Tan Head — Private Banking  With BDO since 2003  38-year banking experience Eduardo V. Francisco Head — Investment Banking  With BDO since 1999  27-year banking experience Emmanuel T. Narciso SVP — Transaction Banking  With BDO since 2011  30-year banking experience Evylene C. Sison Head — Asset Management  With BDO since 2010  23-year banking experience Maria Theresa L. Tan General Manager — BDO Insurance  With BDO since 2009  22-year banking and insurance experience Geneva T. Gloria Head — Remittance Distribution  With BDO since 2003  26-year banking experience

Senior Management Team

• With extensive professional banking expertise

30

Anthony Chua Head — Global Operations  With BDO since 2014  Over 30 years of banking experience

Presentation Outline

I. OVERVIEW II. FINANCIAL HIGHLIGHTS III. OWNERSHIP, BOARD, AND MANAGEMENT IV. CORPORATE GOVERNANCE AND CORPORATE SOCIAL RESPONSIBILITY IV. AWARDS AND CITATIONS

32

Corporate Governance

F i v e ( 5 ) p r i n c i p l e s

• f

C G p r a c t i c e s :

• A

c c

• u

n t a b i l i t y

• F

a i r n e s s

• I

n t e g r i t y

• T

r a n s p a r e n c y

• P

e r f

• r

ma n c e

• Strict adherence to best practices and ethical standards

S t r u c t u r e a n d me c h a n i s ms i n p l a c e :

• I

n d e p e n d e n t D i r e c t

• r

s

• S

e g r e g a t i

• n
• f

r

• l

e s

• C

h e c k s & B a l a n c e s

• C
• d

e

• f

C

• n

d u c t & B u s i n e s s E t h i c s F u l l t r a n s p a r e n c y a n d t i me l y i n f

• r

ma t i

• n

d i s c l

• s

u r e s P r

• t

e c t i

• n
• f

s t a k e h

• l

d e r s ’ r i g h t s a n d i n t e r e s t s

33

Corporate Governance

• Compliant with regulatory requirements

Board Board Corporate Governance Corporate Governance

Minimum no. of Independent Directors (2) 4 Independent Directors

• Cert. Of Attendance – Board Members
• Cert. Of Qualification of Ind. Directors

Corporate Governance Manual CG Guidelines Disclosure Template SEC Annual Corp Governance Report Leading Practices on Corp Governance Code of Conduct and Business Ethics

34

Corporate Governance

• Recognition for CG initiatives

S i l v e r A w a r d e e C

• r

p G

• v

e r n a n c e S c

• r

e c a r d A w a r d e e f

• r

s e v e n ( 7 ) c

• n

s e c u t i v e y e a r s A mo n g t h e T

• p

5 P u b l i c l y

• L

i s t e d C

• mp

a n i e s i n t h e A C G S S c

• r

e c a r d 2 1 3

35

Corporate Social Responsibility

• Disaster Response
• Disaster Response
• Relief operations using the SM supply chain and ground

handling by BDO branches

• Rehabilitation and reconstruction
• Shelter/housing and resettlement areas, health centers,

school buildings/classrooms and multi-purpose halls

• Community Development & Capacity Building
• Community Development & Capacity Building
• Sustainable livelihood, skills training & practical education
• BDO Foundation Micro-Finance Center for

microfinance training and development programs

• BDO Foundation’s Advocacies
• Project BANGKA (motorized boats with fishing nets for

San Dionisio fishing village in Iloilo)

36

Corporate Social Responsibility

• Construction/modernization of public health centers/

facilities

• BDO-Worldwide Fund for Nature (WWF) Philippines

Partnership Project

• Go Green Program
• Healthcare
• Healthcare
• Green/Environmental Initiatives
• Green/Environmental Initiatives
• Energy conservation/efficiency, proper solid and

hazardous waste disposal

• Tree planting, vegetable growing projects
• BDO Foundation’s Advocacies

Presentation Outline

I. OVERVIEW II. FINANCIAL HIGHLIGHTS III. OWNERSHIP, BOARD, AND MANAGEMENT IV. CORPORATE GOVERNANCE AND CORPORATE SOCIAL RESPONSIBILITY IV. AWARDS AND CITATIONS

“. . . the first time Finance Asia has given this award to a Philippine bank . . .” Institutional Awards and Citations, 2013-2014

B e s t A s i a n B a n k

Best Bank in the Philippines Best Private Bank In the Philippines Best Investment Bank in the Philippines

E U R O M O N E Y

Best Equity House in the Philippines

Institutional Awards and Citations, 2013-2014

Excellence In Corporate Governance Excellence In Investor Relations Best Retail Bank in the Philippines

Institutional Awards and Citations, 2013

P l a t i n u m A w a r d M

• s

t O r g a n i z e d I n v e s t

• r

R e l a t i

• n

s A mo n g t h e B e s t S e n i

• r

M a n a g e me n t I R S u p p

• r

t P l a t i n u m A w a r d A mo n g t h e B e s t I n v e s t

• r

R e l a t i

• n

s C

• mp

a n i e s i n t h e P h i l i p p i n e s

Excellence In Investor Relations

N e s t

• r

V . T a n O n e

• f

A s i a ’ s B e s t C E O s ( I n v e s t

• r

R e l a t i

• n

s ) L u i s S . R e y e s , J r . O n e

• f

t h e B e s t I R P r

• f

e s s i

• n

a l s ( P h i l s ) P e d r

• M

. F l

• r

e s c i

• O

n e

• f

A s i a ’ s B e s t C F O s ( I n v e s t

• r

R e l a t i

• n

s )

Best FX Bank/ Provider Best in Trade Finance Fund House

• f the Year

Institutional Awards and Citations, 2013

Leading Counterparty Bank

Thank you. www.bdo.com.ph