Investor Presentation 9M19 Results Presentation Outline I. - PowerPoint PPT Presentation

January 2020 Investor Presentation 9M19 Results

Presentation Outline I. Overview II. Financial Highlights III. Ownership, Board and Management IV. Sustainability V. Awards and Citations

About BDO • The Philippines’ largest bank with total assets of P3.1 Tn (USD59.8 Bn). • A full-service universal bank with one of the widest distribution networks consisting of more than 1,400 operating branches and over 4,400 ATMs nationwide. • Part of the SM Group, one of the country’s largest conglomerates. 3

Milestones • Expansion through organic growth and M&As Acquired RB Pandi banking Joint Venture with Nomura Securities; Acquired business exclusive franchise of Diners Club Int’l and full control of Generali Pilipinas Life (renamed as P3.0 TN BDO Life Assurance) Acquired Rural Bank of San Juan’s banking business P2.7 TN Merged with Equitable PCI Bank. P2 TN Acquired Amex Savings Bank Philippines P2.3 TN P1.9 TN Acquired 1st e- Bank’s banking business Acquired One Network Bank P862 BN (rebranded as BDO Network Bank) P802 BN Merged with Dao Heng P1.2 TN Bank Philippines Acquired Citibank Savings, DB P234 BN Trust and Real Bank KB license P149 BN P617 BN Acquired GE Money Bank P36 BN Est. as Acme Acquired UOB Philippines’ branch banking business P121 BN Savings Bank 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 2018 2019 Niche Strategy Commercial Bank Expansion Full-Service Bank Strategy 4 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 advisory Underwriting & Equities trading Brokerage management  distribution of  (property & management Customized Online stock   fixed income &e casualty) Unit investment portfolio trading Electronic  quity banking trust funds management Bancassurance   securities (individual & ATMs Living trusts  group life Fin’l advisory   Retirement Prepaid cards insurance)   funds Project finance Merchant   acquiring Special trusts / Loan  custodianship syndication Remittances 5

Market Reach • Wide and extensive coverage in key areas North America - 2 Europe - 8 Asia - 12 Remittance Offices Remittance Offices 2 Full-service Branches 7 Remittance Offices 3 Representative Offices Middle East - 1 Representative Office Philippines - 1,434 Branches & Offices BDO BDO Total Network (ONB) Luzon 355 110 465 Metro 23 611 14 625 International Offices Manila 122 35 157 Visayas Mindanao 83 104 187 Total 1,171 263 1,434 As of 17 December 2019 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 #3 #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 Alpha South East Asia, Asian Banking and Finance, The Asset 7 4 In terms of debt and equity capital markets corporate issuances, excluding banks’ stock rights offers 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) BDO Market Share – 18% BDO Market Share – 21% Customer Deposits Assets Under Management 2,408 (in PHP billions) (in PHP billions) BDO Market Share – 36% BDO Market Share – 19% 1,742 1,622 1,578 822 778 503 487 424 418 LBP BPI MBT PNB CHIB DBP SECB RCBC UBP Source: Company data, consolidated statements of condition (SOC). Ranking as at 30 September 2019 Note: Financials prepared by banks under BSP’s SOC requirements differ slightly from reported 8 financials under SEC 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 PROPERTY OTHERS BDO Remit (USA), BDO Insurance SM Keppel Land, Inc. NLEX Corp. (formerly BDO Private Bank, Inc. 100% Brokers, Inc. 100% 50% Manila North Inc. 100% Tollways Corp.) 11.7% Express Padala BDO Life Assurance Northpine Land, Inc. BDO Leasing and (HK) Ltd. 100% Company (formerly 20% Finance, Inc. BDO - BDO Rental, Generali Pilipinas Life 87.43%, BDO BDORO Europe Ltd. Inc. 100% BDO Remit Assurance Co.) BDO- Capital – 1.11% Equimark-NFC 100% (Canada) Ltd. 100% 97.0%, BDO Capital- Development Corp. 3.0% 60% BDO Network Bank (formerly ONB) BDO Remit (Japan) 84.87% BDO Remit Ltd. 100% Taal Land, Inc. 33.33% (UK) Ltd. (formerly CBN BDO Strategic London Ltd.) Holdings, Inc. 100% BDO Remit Unicorn First 100% Limited 100% Properties, Inc. 35% BDO Nomura Armstrong (a) For dissolution (a) CBN Greece Securities, Inc. 51% Securities 80% (b) Under liquidation S.A. 99.92% (b) Averon Holdings, Inc. BDO Remit BDO Capital & 100% BDO Remit BDO Securities (Macau)Limited Investment (Ireland) Corporation ** not yet operational. 100% Corporation Designated 100% 99.8760% Activity Stockholders of BDO BDO Remit Int’l Financial Allied Subsidiary Company. Financial Allied Affiliate Holdings B.V. 100% Non-Financial Allied Subsidiary 96.32% Non-Allied Undertaking BDO remit Subsidiary/Affiliates of BDO (Spain) (CBN Subsidiaries Remittance Non-Financial Allied Affiliate Center S.A.) 9 99.99%

The Banker Top 1000 World Banks – Tier 1 Capital 2018 Rank Origin USD Million Bank Turkiye Halk Bankasi 5,508 224 225 Raymond James 5,499 226 Kyushu Financial Group 5,400 227 Bank of Zhengzhou 5,391 228 BDO Unibank 5,342 229 Bank Nederlandse Gemeenten 5,303 230 Iyo Bank 5,281 231 Mashreqbank 5,281 232 Ban Pekao 5,265 233 Bank of India 10 5,257

The Banker Top Philippine Banks – Tier 1 Capital 2018 Rank Bank USD Million 0 1000 2000 3000 4000 5000 6000 5,342 1 4,700 2 MBT 4,414 3 BPI 2,037 4 LBP 5 1,916 SECB 6 1,890 PNB 1,408 7 CHIB 1,281 8 RCBC Acronyms: BDO BDO Unibank MBT Metropolitan Bank & Trust Co. BPI Bank of the Philippine Islands PNB Philippine National Bank 11 CHIB China Banking Corp. RCBC Rizal Commercial Banking Corp. LBP Land Bank of the Philippines SECB Security Bank Corp.

Credit Ratings Moody’s Fitch 7-Aug-2019 13-Dec-2019 Outlook Stable Stable Bank Deposits (Foreign/Local) Long Term Baa2 BBB- Short Term P-2 F3 Senior Unsecured debt (Foreign) Baa2 BBB- Other Short Term (P)P-2 BCA/Viability Rating Baseline Credit Assessment (BCA) baa2 Adjusted BCA Rating baa2 Viability Rating bbb- Support Rating 2 Support Rating Floor BBB- Counterparty Risk Rating (CRR)* (Foreign/Local) Long Term Baa1 Short Term P-2 Counterparty Risk (CR) Assessment (Local) Long Term Baa1(cr) Short Term P-2 (cr) 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* 4,381,254,334 Foreign Ownership Up to 40% American Depositary Receipts (ADR) Program Details 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 *As of December 23, 2019 13

Presentation Outline I. Overview II. Financial Highlights III. Ownership, Board and Management IV. Sustainability V. Awards and Citations