Investor Presentation - BDO Investor... · Metro Manila 525 1 526 ... SECB Security Bank Corp. RCBC Rizal Commercial Banking Corp. 11 Credit Ratings Moody’s Fitch ... 9M17 vs. 9M16

November 2017

Investor Presentation

2

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Environmental, Social and Governance

V. Awards and Citations

3

• The Philippines’ largest bank with total assets of P2.62 Tn (USD51.30 Bn).

• A full-service universal bank with one of the widest distribution networks consisting of 1,168 operating branches and over 3,900 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

Acquired GE Money Bank

2008 2009

P862 BN

2012

Acquired Rural Bank of San Juan’s banking business

P1.2 TN

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

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

2003

Acquired Banco Santander Philippines

P149 BN

P2.3 TN

P802 BN

Full-Service Bank StrategyNiche Strategy

#19 #17 #13 #9 #9 #5 #2 #1Ranking

Commercial Bank Expansion

5

Market Reach• Wide and extensive coverage in key areas

27 International Offices

Europe - 1211 Remittance Offices

1 Representative Office

Middle East - 1Representative Office

Asia - 11 1 Full-service Branch

6 Remittance Offices

4 Representative Offices

North

America - 3 Remittance Offices

Philippines - 1,169

Branches

BDO ONB Total

Luzon 324 6 330

Metro

Manila525 1 526

Visayas 115 16 131

Mindanao 80 102 182

Total

Branches1,044 125 1,169

As of 20 Nov 2017

6

Business Franchise

#1

Customer

Loans

#1

Deposits#1

Remittances

#1

Assets Under

Management

#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

1,034

596

454

206114 90 90 89 83 49

BPI MBT LBP CHIB RCBC PNB SCB UCPB SECB

2,090

1,506 1,4751,306

612 578438 431 375 368

BPI MBT LBP PNB CHIB UBP SECB RCBC DBP

7

Industry Ranking

Total Assets

(in PHP billions)

Source: Company data, consolidated statements of condition (SOC). Ranking as at 30 September 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 – 34%

BDO Market Share – 22%BDO Market Share – 18%2,593

1,9881,794

1,481

807 795 688560 547 526

MBT BPI LBP PNB SECB CHIB DBP UBP RCBC

1,661

1,151 1,139

531 460 434 368 337 257 212

MBT BPI LBP PNB CHIB SECB RCBC UBP EW

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) 99.79%

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 Company (formerly Generali Pilipinas Life Assurance Co.) BDO-97.0%, BDO Capital-3.0%

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%

Venture Industry for Business Enterprises 24% (a)

• 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. 99.92% (a)

BDO Remit (Ireland) 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 2016

9

USD Million

263

Rank Origin Bank

267

264

266

269

270

271

272

265

268

http://www.freeflagicons.com/country/bahrain/

http://www.freeflagicons.com/country/republic_of_china/round_icon/

http://www.freeflagicons.com/country/thailand/round_icon/

The Banker Top Philippine Banks – Tier 1 Capital 2016

10

USD MillionBank

1

Rank

2

3

4

5

6

7

8

Acronyms:

BDO BDO Unibank PNB Philippine National Bank

MBT Metropolitan Bank& Trust LBP Land Bank of the Philippines

BPI Bank of the Philippine Islands CHIB China Banking Corp.

SECB Security Bank Corp. RCBC Rizal Commercial Banking Corp.

11

Credit Ratings

Moody’s FitchCapital

Intelligence

05-Jul-2017 21-Feb-2017 24-Aug-2017

Foreign Currency Bank

Deposits/Issuer/Debt Rating (IDR)

Long Term Baa2 BBB- BBB

Short Term Prime-2 F3 A3

Outlook Stable Stable Stable

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

12

Trading Fact SheetStock Details

Type Common Shares

Stock Ticker BDO

ISIN PHY077751022

Exchange Philippine Stock Exchange

Par Value P10.00

Outstanding No. of Shares* 4,368,774,284

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 November 15, 2017

13


I. Overview





9M17 vs. 9M16 P&L

(in PHP billion) 9M17 9M16 YoY%

Interest Income 72.8 60.7 20%

Loans & Other Receivables 64.1 54.0 19%

Interest Expense 13.1 12.2 7%

Net Interest Income 59.8 48.4 23%

Non-interest Income 34.8 31.8 9%

Fee Income 20.8 16.0 30%

Insurance Premiums 7.2 6.0 19%

Trading & FX 3.3 4.5 -26%

Others 3.5 5.3 -35%

Gross Operating Income 94.6 80.3 18%

Operating Expense 63.6 52.8 20%

Insurance benefits and claims 5.8 4.5 29%

Pre-Provision Operating Profit 31.0 27.5 13%

Provisions 4.4 2.7 61%

Net Income before Tax 26.6 24.3 9%

Taxes 6.2 5.0 24%

Net Income 20.4 19.3 5.4%

BDO Conso

14

3Q17 Balance Sheet

(in PHP billion) 3Q17 3Q16 YoY%

Resources

Reserve Assets 561.3 460.1 22%

Investment Securities 330.8 278.3 19%

Gross Customer Loans 1,669.8 1,412.1 18%

Investment Properties 15.5 15.2 2%

Other Assets 42.5 42.2 1%

Total Resources 2,619.9 2,207.9 19%

Liabilities

Deposits 2,090.4 1,816.5 15%

CASA 1,523.7 1,272.4 20%

Bills Payable/Sub-Debt 133.7 88.2 52%

Insurance Contract Liab. 25.7 19.2 33%

Other Liabilities 75.4 68.6 10%

Total Liabilities 2,325.2 1,992.4 17%

Total Capital 294.7 215.4 37%

Total Liabilities & Capital 2,619.9 2,207.9 19%

BDO Conso

15

16

BDO Loan Growth vs. Industry

BDO Loan Growth vs. Interest Income

6%

16%

8%

15%17%

17%

21%

24%

15%

19%20%

17%

16%18%

0%

5%

10%

15%

20%

25%

2011 2012 2013 2014 2015 2016 9M17

InterestIncome fromLoans Only

Loan Growth

19%16%

16%

20%

14%

17%

21%

24%

15%

19%20%

17%

16%

18%

0%

5%

10%

15%

20%

25%

2011 2012 2013 2014 2015 2016 3Q17

Industry

BDO

*Ratio for interim annualized

17

Capital Adequacy Ratio

BDO 3Q17

CAR

Net Income & ROE

ROCE

18

Income Statement(in PHP billion) 2011 2012 2013 2014 2015 2016 9M17

Interest Income 50.5 54.0 56.6 63.6 72.1 82.0 72.8

Interest Expense 16.9 17.9 13.4 12.4 15.2 16.4 13.1

Net Interest Income 33.6 36.1 43.2 51.2 57.0 65.6 59.8

Non-interest Income 20.9 24.4 31.8 29.5 31.9 41.6 34.8

Fee Income 12.3 13.4 15.5 18.0 19.4 22.2 20.8

Insurance Premiums - - - - - 8.1 7.2

Trading & FX 5.6 8.2 12.8 7.1 7.2 4.8 3.3

Others 3.0 2.8 3.6 4.4 5.4 6.5 3.5

Gross Operating Income 54.5 60.5 75.0 80.7 88.9 107.2 94.6

Operating Expenses 35.8 39.5 43.3 48.5 55.1 70.1 63.6

Policy Reserves, Insurance

Benefits, and Claims- - - - - 5.9 5.8

Pre-Provision Operating Profit 18.7 21.1 31.8 32.2 33.8 37.1 31.0

Provisions 6.1 4.9 7.0 5.1 3.0 3.8 4.4

Income bef. Pre-Acquisition 12.6 16.1 24.8 27.1 30.8 33.3 26.6

Pre-Acquisition Income - - - - - (0.4) -

Taxes 1.7 1.6 2.1 4.2 5.7 6.8 6.2

Net Income 10.8 14.5 22.6 22.8 25.0 26.1 20.4

19

Balance Sheet(in PHP billion) 2011 2012 2013 2014 2015 2016 3Q17

Resources

Reserve Assets 203.5 201.4 491.5 488.4 461.7 510.8 561.3

Investment Securities 188.4 237.3 227.9 221.5 225.8 269.0 330.8

Gross Customer Loans 670.1 769.0 911.5 1,089.4 1,279.4 1,482.0 1,669.8

Investment Properties 10.1 9.1 10.4 13.9 14.6 15.2 15.5

Other Assets 22.0 24.8 31.5 50.5 49.9 47.9 42.5

Total Resources 1,094.2 1,241.5 1,672.8 1,863.6 2,031.3 2,325.0 2,619.9

Liabilities

Deposits 858.6 931.6 1,345.3 1,492.3 1,663.9 1,905.2 2,090.4

Bills Payable/Sub-debt 97.7 100.4 97.3 110.4 107.6 110.6 133.7

Insurance Contract Liab. - - - - - 20.5 25.7

Other Liabilities 44.1 55.2 65.8 81.3 60.2 71.1 75.4

Total Liabilities 1,000.4 1,087.2 1,508.4 1,684.0 1,831.6 2,107.4 2,325.2

Total Capital 93.8 154.4 164.4 179.7 199.6 217.5 294.7

Total Liabilities & Capital 1,094.2 1,241.5 1,672.8 1,863.6 2,031.3 2,325.0 2,619.9

20

1 Per SOC, BSP

*Annualized

Financial Performance Indicators2011 2012 2013 2014 2015 2016 9M17

Profitability

Return on Ave. Common Equity 12.4% 12.0% 14.3% 13.6% 13.6% 12.6% 10.1%

Return on Average Assets 1.0% 1.3% 1.6% 1.3% 1.3% 1.2% 1.1%

Margins and Liquidity

Net Interest Margin (NIM) 3.6% 3.4% 3.3% 3.2% 3.2% 3.2% 3.4%

Loan to Deposit Ratio 78.1% 82.5% 67.8% 73.0% 76.9% 77.8% 79.9%

Liquid Assets to Total Assets 35.8% 35.3% 43.0% 38.0% 33.8% 33.5% 34.1%

Cost Efficiency

Cost to Income Ratio 65.6% 65.2% 57.7% 60.1% 62.0% 65.4% 67.2%

Cost to Assets Ratio 3.4% 3.4% 3.0% 2.7% 2.8% 3.2% 3.4%

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% 136.0%

Capital1

CET1 12.0% 11.3% 10.6% 13.4%

Tier 1 Ratio 10.0% 15.2% 14.3% 12.4% 11.7% 10.9% 13.7%

Capital Adequacy Ratio 15.6% 19.1% 15.4% 14.5% 13.3% 12.3% 15.1%

Basel II Basel III

*

*

*

*

21


I. Overview





22

Shareholder Structure

• Majority owned by the SM Group

As of 30 September 2017

Name Nationality Shareholdings

Percentage

of

Ownership

SM Investments Corp. Filipino 1,750,930,649 40.08%

PCD Nominee Foreign 1,399,911,279 32.04%

PCD Nominee Filipino 721,566,044 16.52%

Multi-Realty Development Corporation

Shoemart, Inc.

Filipino

Filipino

282,890,230

90,024,395

6.48%

2.06%

Sub-Total, Top Shareholders 97.18%

Total Shares Outstanding* 4,368,607,274

Source: Top 100 Shareholders as of 30 September 2017

*Number of chares outstanding subsequently increased to 4,368,774,284 as of November 15, 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.

23

Financial

Services

Property

Retail

Access to SM’s customer

network

• Over 16,000 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 - 65 malls with

GFA of 8.0 mn sq m

• Largest local retail chain with 648

stores nationwide

• Increased presence in

discretionary retail with 1,709

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

24

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


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.


Served as Head for South Asia and SEA at Wells Fargo Bank

MBA Stanford University

Jose F. Buenaventura


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

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


Ricardo V. Martin

Head — IT Group

With BDO since 2001


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


Luis S. Reyes Jr.

Head — IR & Corplan

With BDO since 2003


Atty. Federico P. Tancongco

Head — Compliance

With BDO since 2005

Over 24 years 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

Albert Santiago Yeo

Head — Private Banking

With BDO since 2017

32 years banking experience

Eduardo V. Francisco

Head — Investment Banking

With BDO since 1999


Ador A. Abrogena

Head — Trust and Investments

With BDO since 1990


Walter C. Wassmer

Head — Business Lending

With BDO since 1997


Rolando C. Tanchanco

Head — Consumer Lending

With BDO since 2004


Jaime C. Yu

Head — Branch Banking

With BDO since 1997


Pedro M. Florescio III

Head — Treasury

With BDO since 2001


Products, Services and SubsidiariesIntermediation

Nestor V. Tan

President and CEO With BDO since 1997


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

Maria Cecilia G. Fonacier

Head — Marketing Communications

With BDO since 2017


27


I. Overview





Sustainable Development ProgramsFinding Ways through Innovative Banking


76% Female Employees


ESG EQUITY FUND


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-Coson 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

33


I. Overview





34

Awards and Citations, 2014-2017

Best Bank in the Philippines

Asiamoney

FinanceAsiaThe Asset

Euromoney

Global Finance

Philippine Bank of the

Year 2016

Charlton East ColesTop 15, Philippine Company of

the Year 2016

Best

Debt/Equity,

M&A

House

Best

Investment

Bank

Best

Private

Bank

Best Project

Finance

Bank

Best Retail &

Wholesale

Bank

35


Best

Investment

Bank

Best

Private

Bank

Best Project

Finance

Bank/Deal

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

Euromoney

Asiamoney

Project Finance

Magazine

Best

in Trade

Finance

Best in

Fund

Management

Best

FX Bank/

Provider

36


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 FinanceBSP

Outstanding PhilPaSS

Participant Servicing

Customer ePayments for

Commercial Banks

Gold Award - Top

Commercial Bank that

Generate the Largest

Overseas Filipino

Remittances

Excellence in

Investor

Relations

Best

in Trade

Finance

Best in

Fund

Management

Best

FX Bank/

Provider

37


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-CosonAsia’s Best CEO Award

Pedro M. Florescio One of Asia’s Best CFOs (IR)

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

Corporate

Governance

Asia

Luis S. Reyes, Jr.Best IR Professionals (Phils)

Corporate

Governance

Asia

Nestor V. Tan.Asia’s Best CEO Award

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

mailto:[email protected]

http://www.bdo.com.ph/

39

Thank you.

www.bdo.com.ph

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