3Q18 Investor Presentation Presentation Outline I. Overview II. - PowerPoint PPT Presentation

January 2019 3Q18 Investor Presentation

Presentation Outline I. Overview II. Financial Highlights III. Ownership, Board and Management IV. Environmental, Social and Governance V. Awards and Citations 2

About BDO • The Philippines’ largest bank with total assets of P2.9 Tn (USD53.9 Bn). • A full-service universal bank with one of the widest distribution networks consisting of more than 1,200 operating branches and over 4,000 ATMs nationwide. • Part of the SM Group, one of the country’s largest conglomerates. 3

Milestones • Expansion through organic growth and M&As 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) P2.7 TN Acquired Rural Bank of San Juan’s banking business P2 TN P2.3 TN P1.9 TN Merged with Equitable PCI Bank. Acquired Amex Savings Bank Philippines Acquired One Network Bank Acquired 1st e- Bank’s banking business P862 BN Acquired Citibank P802 BN P1.2 TN Merged with Dao Heng Savings, DB Trust Bank Philippines and Real Bank P234 BN P149 BN KB license P617 BN Acquired GE Money Bank Est. as Acme P36 BN Savings Acquired UOB Philippines’ branch banking business Bank P121 BN P77 BN Acquired Banco Santander Philippines U/KB license Assets P13 BN Acquired by SM Group 1967 1976 1994 1996 2001 2002 2003 2005 2007 2008 2009 2012 2014 2015 2016 2017 Niche Strategy Commercial Bank Expansion Full-Service Bank Strategy Ranking #19 #17 #13 #9 #9 #5 #2 #1

Full Service Bank • Complete range of financial products and services Corporate & Leasing & Consumer Rural Branch Treasury Institutional Finance Banking Banking Banking Services Banking       Corporate and Direct lease, Auto Salary loans Deposit & Fixed income middle market sale and   related products dealership Mortgage MSME loans lending leaseback     Over-the- Foreign Credit cards Deposit  arrangements Trade finance counter exchange  products Personal loans   Installment transactions transactions Specialized   Cash Merchant paper   lending Cross-selling Portfolio management payment purchases  distribution management Financial  processing Remittances  Receivable  platform Institutions Liquidity discounting  management Cross-border and factoring financing Trust Private Investment Stock Transaction Insurance Banking Banking Banking Brokerage Banking       Cash Investment Wealth Underwriting & Equities trading Brokerage management advisory distribution of  (property & management Online stock    fixed income & casualty) Electronic Unit investment Customized trading equity  trust funds portfolio Bancassurance banking  management securities (individual &  Living trusts ATMs  group life Fin’l advisory   Retirement Prepaid cards insurance)   funds Project finance Merchant   Special trusts / Loan acquiring  custodianship syndication Remittances 5

Market Reach • Wide and extensive coverage in key areas North Europe - 10 America - 3 10 Remittance Offices Asia - 11 Remittance Offices 2 Full-service Branches 6 Remittance Offices 3 Representative Offices Middle East - 1 Representative Office Philippines - 1,262 Branches BDO ONB Total 25 International Offices Luzon 349 18 367 Metro 573 1 574 Manila Visayas 121 18 139 Mindanao 81 101 182 Total 1,124 138 1,262 Branches As of 28 December 2018 6

Business Franchise • Market-leading positions in almost all business lines #1 #1 #1 #1 #1 Customer Credit Assets Under Deposits Remittances Loans Cards 1 Management Leading Trade Major Player in Services Provider 2 Cash Management 3 #1 #1 #1 #2 #1 Insurance Investment Private Rural Leasing & Brokerage 5 Banking 4 Banking Banking Finance Notes: 1 In terms of cardholder base, merchant acquiring gross billings, and credit card receivables 2 According to Asian Banking and Finance, Global Finance 3 According to The Asset, The Asian Banker, Alpha South East Asia 4 In terms of corporate issuances 7 5 Among insurance brokers in terms of premiums produced and commissions earned

Industry Ranking • No. 1 among Philippine banks Total Assets Gross Customer Loans (in PHP billions) (in PHP billions) 2,892 1,947 BDO Market Share – 18% BDO Market Share – 22% 2,141 1,9631,782 1,325 1,283 737 906 814 735 534 637 635 618 484 398 378 301 244 MBT BPI LBP PNB CHIB SECB UBP DBP RCBC MBT BPI LBP PNB CHIB SECB RCBC UBP DBP Customer Deposits Assets Under Management (in PHP billions) (in PHP billions) 2,345 1,061 BDO Market Share – 34% BDO Market Share – 19% 1,5811,5441,543 583 433 328 693 692 468 448 442 410 131 117 92 86 86 46 BPI MBT LBP CHIB SCB PNB UCPBRCBCSECB LBP BPI MBT PNB CHIB SECB DBP UBP RCBC Source: Company data, consolidated statements of condition (SOC). Ranking as at 30 September 2018 Note: Financials prepared by banks under BSP’s SOC requirements differ slightly from reported financials under SEC 8 guidelines due to certain differences in accounting rules requested by the two authorities

Organizational Structure • With equity investments in allied and non-allied enterprises BDO Unibank, Inc. BANKING / FINANCE REMITTANCES INSURANCE OTHERS PROPERTY BDO Remit (USA), BDO Insurance SM Keppel Land, Inc. NLEX Corp. (formerly BDO Private Bank, MMPC Auto Manila North Inc. 100% Brokers, Inc. 100% 50% Inc. 100% Financial Tollways Corp.) Services Corp. 12.4% 40% Express Padala BDO Life Assurance Northpine Land, Inc. BDO Leasing and (HK) Ltd. 100% Company (formerly 20% Finance, Inc. BDO - Venture Industry for Generali Pilipinas 87.43%, BDO BDO Rental, BDO Remit Business Enterprises Life Assurance Co.) Capital – 1.11% Equimark-NFC Inc. 100% (Canada) Ltd. BDO-97.0%, BDO 24% (a) Development Corp. 100% Capital-3.0% 60% One Network Bank, BDORO Europe Ltd. Inc. (A Rural Bank) BDO Remit Taal Land, Inc. 100% 99.85% BDO Remit (Japan) Ltd. 100% 33.33% (b) (UK) Ltd. (formerly CBN BDO Strategic BDO Remit(Italia) Holdings, Inc. 100% London Ltd.) S.p.A. 100% (a) Unicorn First 100% Properties, Inc. 35% BDO Nomura Armstrong BDO Remit (a) For dissolution (a) CBN Greece Securities, Inc. 51% Securities 80% Limited 100% (b) For sale S.A. 99.92% (a) (b) Averon Holdings, Inc. BDO Remit 100% BDO Remit BDO Capital & BDO Securities (Macau)Limited (Ireland) Investment Corporation ** not yet operational. 100% Designated Corporation 99.88% 100% Activity BDO Remit Int’l Company. Stockholders of BDO Holdings B.V. Financial Allied Subsidiary 100% 96.32% Financial Allied Affiliate Non-Financial Allied Subsidiary Non-Allied Undertaking CBN Subsidiary/Affiliates of BDO Remittance Subsidiaries Center S.A. Non-Financial Allied Affiliate 99.99%

The Banker Top 1000 World Banks – Tier 1 Capital 2017 Rank Origin Bank USD Million Bank Gospodarstwa Krajowego 5,421 231 232 Taipei Fubon Bank 5,419 233 Iyo Bank 5,403 234 Mashreqbank 5,391 235 BDO Unibank 5,344 E. Sun Commercial Bank 236 5,289 237 Yes Bank 5,203 238 Bank Nederlandse Gemeenten 5,140 239 Qatar Islamic Bank 5,114 240 Landwirtschaftliche Rentenbank 5,067 10

The Banker Top Philippine Banks – Tier 1 Capital 2017 Bank USD Million Rank 0 1000 2000 3000 4000 5000 6000 5,344 1 3,611 2 MBT 3,325 BPI 3 1,940 SECB 4 1,782 5 PNB 1,415 6 CHIB 1,088 7 RCBC 1,014 8 UBP Note: Only private banks are included in the 2017 individual country rankings list Acronyms: BDO BDO Unibank PNB Philippine National Bank BPI Bank of the Philippine Islands RCBC Rizal Commercial Banking Corp. CHIB China Banking Corporation SECB Security Bank Corp. 11 MBT Metropolitan Bank& Trust UBP UnionBank of the Philippines

Credit Ratings Moody’s Fitch 09-Jul-2018 19-Nov-2018 Foreign Currency Bank Deposits/Issuer/Debt Rating (IDR) Long Term Baa2 BBB- Short Term P-2 F3 Outlook Stable Stable Senior Unsecured debt Long Term Baa2 BBB- Short Term P-2 Outlook Stable BCA/Viability/Financial Strength Rating Baseline Credit Assessment (BCA) baa2 Adjusted BCA Rating baa2 Viability Rating bbb- Financial Strength Rating Outlook Counterparty Risk (CR) Assessment Long Term Baa1(cr) Short Term P-2 (cr) Counterparty Risk Rating (CRR)* Foreign Currency Long Term Baa1 Short Term P-2 Local Currency Long term Baa1 Short Term P-2 *Ratings affirmed based on Fitch Press Release dated Nov. 19, 2018 Source : Moody’s, Fitch 12

Trading Fact Sheet Stock Details Type Common Shares Stock Ticker BDO ISIN PHY077751022 Exchange Philippine Stock Exchange Par Value P10.00 Outstanding No. of Shares* 4,374,048,064 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 adr@db.com ADR website www.adr.db.com Depositary Bank's Local Custodian Deutsche Bank AG, Manila *As of December 31, 2018 13