bdo investor presentation 2015q2
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1
October 2015
Investor Presentation
3
Presentation Outline
I. Overview 4
II. Financial Highlights 17
III. Ownership, Board and
Management
27
IV. Corporate Governance and
Corporate Social Responsibility
33
V. Awards and Citations 40
4
• The Philippines’ largest bank with total assets of P1.9 Tn (USD42 Bn).
• A full-service universal bank with one of the widest distribution networks consisting of 1,010 operating branches and over 3,000 ATMs nationwide.
• Part of the SM Group, one of the country’s largest conglomerates.
About BDO
5
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
P36 BN
P77 BN
P121 BN
P234 BN
P862 BN
Commercial Bank Expansion
19761967 1994
P617 BN Acquired Rural
Bank of San
Juan’s banking
business
P1.2 TN
U/KB license
Milestones• Expansion through organic growth and M&As
20011996 2002 2003 2005 2007 2009 20122010 2013 2014
Acquired Citibank
Savings, DB Trust and
Real Bank
P1.9 TN
2015
Acquired
One
Network
Bank
Assets
P13 BN
P149 BN
Merged with Equitable
PCI Bank.
Acquired Amex Savings
Bank Philippines
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
Merchant payment
processing
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
Branch
Banking
Transaction
BankingInsurance Trust Banking
Consumer
Lending
Corporate &
Institutional
Banking
Investment
Banking
Private
Banking
Treasury
Services
Leasing &
Finance
• Complete range of financial products and services
Market Reach
• Wide and extensive coverage in key areas
28 International Offices
Europe - 1514 Remittance Offices
1 Representative Office
Middle East - 1Representative Office
SEA, HK, Taiwan & Korea - 91 Full-service Branch
5 Remittance Offices
3 Representative Offices
North
America - 3 Remittance Offices
Philippines –
1,010 Branches
As of 2 October 2015
Domestic Distribution Network• 903 BDO operating branches as of 2 Oct 2015
8
• 107 One Network Bank branches (completed
acquisition in July 2015)
Mobile/Internet
Banking
140 Mall Based Branches,
3,037 ATMs nationwide
BDO ONB Total
Metro
Manila453 1 454
Luzon 285 - 285
Visayas 97 11 108
Mindanao 68 95 163
Total
Branches903 107 1,010
Notes:1 According to The Asian Banker, Global Finance, The Asset, & Trade Finance Magazine2 According to The Asset3 In terms of cardholder base & merchant acquiring gross billings4 In terms of corporate issuances5 Among insurance brokers in terms of premiums produced
Business Franchise
#1
Loans
#1
Deposits#1
Remittance
#1
Trust and
Asset Mgt
#1
Private
Banking
Leading Trade
Services Provider1
Major Player in
Cash Management2
#1
Rural
Banking
#2
Leasing &
Finance
#1
Investment
Banking4
#1 Local
Insurance
Brokerage5
• Market-leading positions in almost all business lines
#1
Credit
Cards3
1,124
775 733
377 334 295 275203 164 153
BPI MBT LBP PNB China RCBC SECB UBP DBP
1,886
1,6301,414
1,091
617476 470 464 441 357
MBT BPI LBP PNB China RCBC DBP SECB UBP
Total Assets
(in PHP billions)
Source: Company data, consolidated statements of condition (SOC). Ranking as at 30 June 2015
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
(in PHP billions) (in PHP billions)
(in PHP billions)
BDO Market Share – 18%
BDO Market Share – 17% BDO Market Share – 22%
BDO Market Share – 35%
BDO UNIBANK, INC.
PHILIPPINE PARENT BANK
• With equity investments in allied and non-allied enterprises
Organizational Structure
11
BDO Securities
Corp. 100%
CBN Grupo
International
Holdings B.V. 60%
Averon Holdings,
Inc. 100%
Armstrong Securities, Inc. 80% (b)
BDO Remit (Italia)
S.p.A. 100% (a)
BDO Remit Limited
(100%)
BDO Remit (Macau) Ltd. 100%
MDB Land Inc. (a)
BDO-35%/
BDOSHI – 65%
Generali Pilipinas Life
Assurance Co. 100%
Generali Pilipinas
Insurance Co. 100%
BDO Rental, Inc.
100%
BDO Insurance Brokers,
Inc. 100%
Equimark-NFC
Development Corp.
60%
Generali Pilipinas
Holdings Co., Inc. BDO-
38.05%, BDO Cap-1.95%
SM Keppel Land, Inc.
50%
NorthPine Land, Inc.
20%
Manila North Tollways
Corp. 12.4%
PCI Insurance Brokers,
Inc. 100% (a)
PCI Travel Corporation
35% (a)
Taal Land, Inc.
33% (b)
Unicorn First
Properties, Inc. 35% (a)
Venture Industry for
Business Enterprises
24% (a)
- Stockholders of BDO
- Financial Allied Subsidiary
- Financial Allied Affiliate
- Non-Financial Allied Subsidiary
- Non-Allied Undertaking
- Subsidiary/Affiliates of BDO Subsidiaries
- Non-Financial Allied Affiliate
(a) For dissolution
(b) For sale
(c) For merger
*not yet operational
BDO Unibank, Inc.
BDO Private Bank, Inc. 100%
BDO Capital & Investment
Corporation 100%
BDO Leasing and Finance, Inc.
87.43%
Banco De Oro Savings Bank, Inc.,
[formerly Citibank Savings, Inc.]
99.99%
BDO Elite Savings Bank, Inc.,
[formerly GE Money Bank, Inc.]
99%
One Network Bank, Inc. (A Rural
Bank) 99.59%
PCIB Securities, Inc. 100% (b)
BDO Remit (USA), Inc. 100%
BDORO Europe Ltd. 100%
Express Padala Frankfurt GmbH
100%
Express Padala (HK) Ltd. 100% (c)
PCIB Europe S.p.A 100% (a)
BDO Remit (Canada) Ltd. 100%*
BDO Remit (Japan) Ltd. 100%*
BDO Strategic Holdings Inc. 100%
12
The Banker Top 1000 World Banks – Tier 1 CapitalTier 1 Capital Ranking of Banks(as of 31 December 2014)
World Rank Local
RankCountry Name of Bank
Tier 1 Capital
($ Mn)Current Previous
251 291 1 CY Bank of Cyprus 3,873
252 212 1 PR Popular 3,850
253 236 18 JPHokuhoku Financial
Group3,843
254 269 4 IDBank Negara
Indonesia (BNI)3,828
255 268 1 PHL BDO Unibank 3,813
256 239 3 IL Israel Discount Bank 3,810
257 244 5 CH Julius Baer Group 3,782
258 254 19 JP Iyo Bank 3,744
259 179 1 HU OTP Bank 3,743
260 248 38 USNew York Community
Bancorp3,731
13
The Banker Top Philippine Banks – Tier 1 CapitalTier 1 Capital Ranking of Banks
(as of 31 December 2014)
World Rank Local
RankName of Bank
Tier 1 Capital
($ Mn)Current Previous
255 268 1 BDO Unibank, Inc. 3,813
338 382 2 Bank of the Philippine Islands 2,711
345 314 3 Metropolitan Bank & Trust 2,620
478 642 4 Philippine National Bank 1,603
566 n/a 5 Land Bank Philippines 1,229
611 702 6 China Banking Corporation 1,073
660 680 7 Security Bank 955
683 655 8Rizal Commercial Banking
Corp.898
14
Credit Ratings
Moody’s FitchCapital
Intelligence
18 June 2015 24 April 2015 24 August 2015
Foreign Currency Bank
Deposits/Issuer/Debt Rating (IDR)
Long Term Baa2 BB+ BBB-
Short Term Prime-2 B A3
Outlook Stable Positive Stable
Baseline Credit Assessment (BCA) baa2
Adjusted BCA Rating baa2
Viability Rating bb+
Financial Strength Rating BBB-
Outlook Positive
Counterparty Risk (CR) Assessment
Long Term Baa1(cr)/
Short Term P-2 (cr)
Source: Moody’s, Fitch and Capital Intelligence
15
Trading Fact SheetStock Details
Type Common Shares
Stock Ticker BDO
ISIN PHY077751022
Exchange Philippine Stock Exchange
Par Value P10.00
Outstanding No. of Shares 3,645,375,218
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
16
Presentation Outline
I. Overview 4
II. Financial Highlights 17
III. Ownership, Board and
Management
27
IV. Corporate Governance and
Corporate Social Responsibility
33
V. Awards and Citations 40
17
(in PHP billion) 1H15 1H14 YoY %
Interest Income 34.3 30.5 12%
Interest Expense 7.2 6.0 21%
Net Interest Income 27.1 24.6 10%
Non-interest Income 16.4 14.4 14%
Fee Income 9.0 8.3 8%
Trading & FX 5.4 4.3 25%
Others 2.1 1.8 17%
Gross Op Income 43.5 39.0 12%
Operating Expense 26.7 24.2 10%
Pre-Provision Op Profit 16.8 14.7 14%
Provisions 2.1 2.6 -16%
Taxes 2.9 1.1 161%
Net Income 11.7 11.1 6%
1H15 Income Statement
18
(in PHP billion) 2010 2011 2012 2013 2014 1H15
Interest Income 49.9 50.5 54.0 56.6 63.7 34.3
Interest Expense 15.8 16.9 17.9 13.4 12.4 7.2
Net Interest Income 34.2 33.6 36.1 43.2 51.2 27.1
Non-interest Income 17.8 20.9 24.4 31.8 29.5 16.4
Fee Income 10.4 12.3 13.4 15.5 18.0 9.0
Trading & FX 5.8 5.6 8.2 12.8 7.1 5.4
Others 1.6 3.0 2.8 3.6 4.4 2.1
Gross Op Income 52.0 54.5 60.5 75.0 80.7 43.5
Operating Expense 34.8 35.8 39.5 43.3 48.5 26.7
Pre-Prov Op Profit 17.2 18.7 21.0 31.8 32.2 16.8
Provisions 6.7 6.1 4.9 7.0 5.1 2.1
Taxes 1.6 1.7 1.6 2.1 4.2 2.9
Net Income 8.9 10.8 14.5 22.6 22.8 11.7
2010 to 1H15 Income Statement
19
(in PHP billion) 2Q15 2Q14 YoY %
Resources
Reserve Assets 463.1 482.5 -4%
Investment Securities 239.9 193.7 24%
Gross Customer Loans 1,126.6 975.1 16%
Investment Properties 12.5 10.1 24%
Other Assets 31.1 23.1 35%
Total Resources 1,873.2 1,684.5 11%
Liabilities
Deposits 1,520.4 1,365.9 11%
CASA 1,000.2 856.9 17%
Bills Payable/Sub-Debt 108.5 86.3 26%
Other Liabilities 63.8 63.6 0%
Total Liabilities 1,692.7 1,515.8 12%
Total Capital 180.6 168.7 7%
Total Liabilities & Capital 1,873.2 1,684.5 11%
2Q15 Balance Sheet
20
(in PHP billion) 2010 2011 2012 2013 2014 2Q15
Resources
Reserve Assets 229.6 203.5 201.2 491.5 488.4 463.1
Investment Securities 197.3 188.4 237.3 227.9 221.5 239.9
Gross Customer Loans 541.5 670.1 769.0 911.5 1,089.4 1,126.6
Investment Properties 12.0 10.1 9.1 10.4 13.9 12.5
Other Assets 20.5 22.1 25.0 31.5 50.4 31.1
Total Resources 1,000.9 1,094.2 1,241.6 1,672.8 1,863.6 1,873.2
Liabilities
Deposits 782.6 858.6 931.6 1,345.3 1,492.3 1,520.4
Bills Payable/Sub-Notes 89.0 97.7 100.4 97.3 110.4 108.5
Other Liabilities 40.5 44.1 55.2 65.8 81.3 63.8
Total Liabilities 912.1 1,000.4 1,087.2 1,508.4 1,684.0 1,692.7
Total Capital 88.7 93.8 154.4 164.4 179.7 180.6
Total Liabilities & Capital 1,000.9 1,094.2 1,241.6 1,672.8 1,863.6 1,873.2
2010 to 2Q15 Balance Sheet
21
Financial Performance Indicators2010 2011 2012 2013 2014 1H15
Profitability
Return on Ave. Common
Equity 11.3% 12.1% 11.7% 14.0% 13.4% 13.2%*
Return on Average Assets 1.0% 1.0% 1.2% 1.6% 1.3% 1.3%*
Margins and Liquidity
Net Interest Margin (NIM) 4.1% 3.6% 3.4% 3.3% 3.2% 3.1%*
Loans to Deposit Ratio 69.2% 78.1% 82.5% 67.8% 73.0% 74.1%
Liquid Assets to Total Assets 42.7% 35.8% 35.3% 43.0% 38.1% 37.1%
Cost Efficiency
Cost to Income Ratio 66.9% 65.6% 65.2% 57.7% 60.1% 61.4%
Cost to Assets Ratio 3.7% 3.4% 3.4% 3.0% 2.7% 2.9%
Asset Quality
NPL Ratio 4.7% 3.4% 2.8% 1.6% 1.3% 1.2%
NPL Cover 92.1% 106.0% 125.7% 170.7% 188.4% 197.7%
Capital Basel II Basel III
CET1 12.4% 11.5%
Tier 1 Ratio 10.0% 10.0% 15.2% 14.6% 12.8% 11.9%
Capital Adequacy Ratio 13.8% 15.6% 19.1% 15.8% 14.6% 13.6%
* Annualized
22
Loan Growth
471 531 592
775
959 1000
311328
339
570
533 520
0
200
400
600
800
1,000
1,200
1,400
1,600
2010 2011 2012 2013 2014 2Q15
TimeDeposits
CASA783
859932
1,345
1,492 1,520
23
Deposits
CASA YoY∆ 19% 13% 12% 31% 24% 17%
CASA Ratio 60% 62% 64% 58% 64% 66%
(in P bn)
8.910.4
14.3
22.6 22.8
11.7
0
5
10
15
20
25
30
2010 2011 2012 2013 2014 1H15
24
Net Income• Record profits, better quality core earnings
(in P bn)
8.5%
11.5%
11.9%
10.0%
13.6%
0%
2%
4%
6%
8%
10%
12%
14%
16%
BSP Basel IIIRequirement
(Fully Loaded)
BDO-Consolidated2Q15
CAR
Tier 1
CET110.0%
• Ratios above Basel III standards
Capital Adequacy Ratio
25
BDO capital ratios reflect cash dividends declared but not yet paid.
26
Presentation Outline
I. Overview 4
II. Financial Highlights 17
III. Ownership, Board and
Management
27
IV. Corporate Governance and
Corporate Social Responsibility
33
V. Awards and Citations 40
27
Shareholder Structure
• Majority owned by the SM Group
As of 30 June 2015
Name Nationality ShareholdingsPercentage of
Ownership
SM Investments Corp. Filipino 1,463,657,368 40.87%
PCD Nominee Foreign 1,181,880,830 33.01%
PCD Nominee Filipino 555,759,235 15.52%
Multi-Realty Development
CorporationFilipino 236,476,739 6.60%
Sub-Total, Top Shareholders 96.00%
Total Shares Outstanding1 3,580,875,328
Source: Top 100 Shareholders as of 30 June 2015
1Number of shares outstanding subsequently increased to 3,645,375,218 on 20 July 2015 due to share swap transaction with
One Network Bank Inc. shareholders, resulting in the issuance of 64,499,890 shares under a top-up and borrowing transactionwith a substantial BDO shareholder.
28
Financial
Services
Property
Retail
Access to SM’s customer
network
• 21,000 PHL tenants
• More than 5,000 suppliers
• 3.0 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
• Leading residential condominium
developer in Metro Manila in terms
of units sold
• Among the fastest growing
commercial, resorts and hotel
developers in the Philippines
• Largest local retail chain with 289
stores nationwide
• Dominant domestic mall
developer/operator - 52 malls with
GFA of 6.6 mn sqm
• Biggest domestic banking
operations
• Interests in BDO and China Bank
The SM Group• Harnessing synergies with the country’s largest conglomerate
8 directors out of 11 have an average of 34 years of banking
experience
2 directors are practicing attorneys, 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 businessman who has made his
mark in the field of retailing
Successful
Entrepreneur
Board of Directors
29
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
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
Corporate Support
Edwin Romualdo G. Reyes
Head — Transaction Banking
With BDO since 2015
29-year banking experience
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
Rafael G. Besa
Head — Marketing
With BDO since 2007
9-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
Ador A. Abrogena
Head — Trust and Investments
With BDO since 1990
Over 30 years of banking 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
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
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
32
Presentation Outline
I. Overview 4
II. Financial Highlights 17
III. Ownership, Board and
Management
27
IV. Corporate Governance and
Corporate Social Responsibility
33
V. Awards and Citations 40
33
Corporate Governance
Five (5) principles of CG
practices:
• Accountability
• Fairness
• Integrity
• Transparency
• Performance
Strict adherence to best practices and ethical standards
Structure and mechanisms in
place:
• Independent Directors
• Segregation of roles
• Checks & Balances
• Code of Conduct &
Business Ethics
Full transparency and timely
information disclosures
Protection of stakeholders’
rights and interests
34
Corporate Governance
Compliant with regulatory requirements
Board
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
35
Corporate Governance
Recognition for CG initiatives
Silver Awardee Corp Governance Scorecard
Awardee for ten (10) consecutive years
Among the Top 50 Publicly-Listed Companies in the ACGS
Scorecard 2013-2014
Platinum
Award
36
Corporate Social Responsibility
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
• 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)
37
Corporate Social Responsibility
• Construction/modernization of public health centers/ facilities
• BDO-World Wide Fund for Nature (WWF) Philippines
Partnership Project
• Go Green Program
Healthcare
Green/Environmental Initiatives
• Energy conservation/efficiency, proper solid and hazardous waste
disposal
• Tree planting, vegetable growing projects
BDO Foundation’s Advocacies
38
Corporate Social Responsibility
Recognition for CSR initiatives
Among the Best Environmentally Responsible Companies in the
Philippines
Among the Best CSR Companies in the Philippines
39
Presentation Outline
I. Overview 4
II. Financial Highlights 17
III. Ownership, Board and
Management
27
IV. Corporate Governance and
Corporate Social Responsibility
33
V. Awards and Citations 40
40
Institutional Awards and Citations, 2013-2015
Strongest Bank in the Philippines
Best Bank in the Philippines
41
Institutional Awards and Citations, 2013-2015
Best Equity House
in the Philippines
Best Retail & Wholesale
Bankin the Philippines
Best Private Bank
In the Philippines
Best Investment Bankin the Philippines
42
Institutional Awards and Citations, 2013-2015
Excellence In Investor Relations
Most Organized Investor Relations
Among the Best Investor Relations Companies in the
Philippines
Excellence In Investor Relations
(Individual Awards)
Among the Best Senior Management IR Support
Teresita Sy-Coson One of Asia’s Best CEOs
(Investor Relations)
Pedro M. Florescio One of Asia’s Best CFOs
(Investor Relations)
Luis S. Reyes, Jr.One of the Best IR
Professionals (Phils)
43
Best FX Bank/ Provider
Best in Trade Finance
Fund House of the Year
Institutional Awards and Citations, 2013-2015
Leading Counterparty Bank
44
Thank you.
www.bdo.com.ph
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