Post on 25-Jun-2020
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Sustainability
V. Awards and Citations
• The Philippines’ largest bank with total assets of P3.3 Tn (USD64.4 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.
About BDO
3
1996 2001 2002 2003 2005 2007 2008 2009 2012 2014 2015 2016 2017 2018 2019
4
Milestones• Expansion through organic growth and M&As
1967
KB license
1994
P77 BN
Merged with Dao Heng
Bank Philippines
P36 BN
U/KB license
Acquired 1st e-Bank’s
banking business
P121 BN Acquired UOB Philippines’ branch banking business
P234 BN
Acquired Rural Bank of San Juan’s banking business
P1.2 TNAcquired Citibank Savings, DB
Trust and Real Bank
P1.9 TN
Acquired One Network Bank
(rebranded as BDO Network Bank)
Acquired by SM Group
1976
Assets
P13 BN
P617 BN
Merged with Equitable PCI Bank.
Acquired Amex Savings Bank PhilippinesP2 TN
Est. as Acme
Savings Bank
Acquired Banco Santander Philippines
P149 BN
Joint Venture with Nomura Securities; Acquired
exclusive franchise of Diners Club Int’l and full
control of Generali Pilipinas Life (renamed as
BDO Life Assurance)
P2.3 TN
Acquired GE Money Bank
P862 BN
P802 BN
Full-Service Bank StrategyNiche Strategy
#19 #17 #13 #9 #9 #5 #2 #1Ranking
Commercial Bank Expansion
P2.7 TN
P3.0 TN
Acquired RB
Pandi banking
business
P3.2 TN
Full Service Bank• Complete range of financial products and services
Corporate &
Institutional
Banking
• Corporate and
middle market
lending
• Trade finance
• Specialized
lending
• Financial
Institutions
• Cross-border
financing
Consumer
Banking
• Auto
• Mortgage
• Credit cards
• Personal loans
• Merchant
payment
processing
Leasing &
Finance
• Direct lease,
sale and
leaseback
arrangements
• Installment
paper
purchases
• Receivable
discounting
and factoring
Branch
Banking
• Deposit &
related products
• Over-the-
counter
transactions
• Cross-selling
distribution
platform
Treasury
Services
• Fixed income
dealership
• Foreign
exchange
transactions
• Portfolio
management
• Liquidity
management
Transaction
Banking
• Cash
management
• Electronic
banking
• ATMs
• Prepaid cards
• Merchant
acquiring
• Remittances
Trust
Banking
• Investment
management
• Unit investment
trust funds
• Living trusts
• Retirement
funds
• Special trusts /
custodianship
Private
Banking
• Wealth advisory
• Customized
portfolio
management
Investment
Banking
• Underwriting &
distribution of
fixed income &e
quity
securities
• Fin’l advisory
• Project finance
• Loan
syndication
Stock
Brokerage
• Equities trading
• Online stock
trading
Insurance
• Brokerage
(property &
casualty)
• Bancassurance
(individual &
group life
insurance)
Rural
Banking
• Salary loans
• MSME loans
• Deposit
products
• Cash
management
• Remittances
5
6
Market Reach• Wide and extensive coverage in key areas
17 International Offices
Europe - 3Remittance Offices
Middle East - 1Representative Office
Asia - 11 2 Full-service Branches
6 Remittance Offices
3 Representative Offices
North
America - 2 Remittance Offices
Philippines - 1,447
Branches & Offices
BDOBDO
Network
(ONB) Total
Luzon 357 116 473
Metro
Manila612 14 626
Visayas 122 38 160
Mindanao 84 104 188
Total 1,175 272 1,447
As of 31 March 2020
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
#3
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 Asian Banking and Finance, Global Finance3 According to Alpha South East Asia, Asian Banking and Finance, The Asset4 In terms of debt and equity capital markets corporate issuances, excluding banks’ stock rights offers5 Among insurance brokers in terms of premiums produced and commissions earned
7
1,336
731
492
319
16996 94 90 58 54
BPI MBT LBP CHIB PNB RCBC UCPB SECB UBP
2,485
1,785 1,715 1,697
825 776555 500 484 457
LBP MBT BPI PNB CHIB DBP SECB UBP RCBC
2,194
1,492 1,480
817648 576
448 434 355 353
BPI MBT LBP PNB CHIB SECB RCBC UBP DBP
3,145
2,4712,189
2,038
1,131962
795 771 770 765
MBT BPI LBP PNB CHIB SECB RCBC UBP DBP
8
Industry Ranking
Total Assets
(in PHP billions)
Source: Company data, consolidated statements of condition (SOC). Ranking as at 31 December 2019
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 – 37%
BDO Market Share – 22%BDO Market Share – 18%
BDO Private Bank, Inc. 100%
BDO Capital & Investment Corporation 99.8760%
BDO Leasing* and Finance, Inc. BDO -87.43%, BDO Capital – 1.11% (c )
BDO Network Bank (formerly ONB) 84.87%
BDO Remit (USA), Inc. 100%
BDO Remit (Japan) Ltd. 100%
BDORO Europe Ltd. 100%BDO Remit
(Canada) Ltd. 100%
Express Padala (HK) Ltd. 100%
BDO Remit Limited 100%
BDO Remit (Macau)Limited 100%
BDO Remit Int’l Holdings B.V. 96.32%
Averon Holdings, Inc. 100%
BDO Rental, Inc. 100%
BANKING / FINANCE
BDO Unibank, Inc.
Armstrong Securities 80%
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%
Equimark-NFC Development Corp. 60%
SM Keppel Land, Inc. 50%
Northpine Land, Inc. 20%
Taal Land, Inc. 33.33%
Unicorn First Properties, Inc. 35% (a)
OTHERS
NLEX Corp. (formerly Manila North Tollways Corp.) 11.7%
• With equity investments in allied and non-allied enterprises
Organizational Structure
** not yet operational.
(a) For dissolution(b) Under liquidation(c) Sale subject to
regulatory approvals and closing conditions
BDO Securities Corporation 100%
BDO Remit (UK) Ltd. (formerly CBN London Ltd.) 100%
CBN Greece S.A. 99.92% (b)
BDO Remit (Ireland) Designated Activity Company. 100%
BDO remit (Spain) (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 2018
10
USD Million
224
Rank Origin Bank
228
225
227
230
231
232
233
226
229
5,508
5,499
5,400
5,391
5,342
5,303
5,281
5,281
5,265
5,257
Turkiye Halk Bankasi
Raymond James
Kyushu Financial Group
Bank of Zhengzhou
BDO Unibank
Bank Nederlandse Gemeenten
Iyo Bank
Mashreqbank
Ban Pekao
Bank of India
5,342
4,700
4,414
2,037
1,916
1,890
1,408
1,281
0 1000 2000 3000 4000 5000 6000
MBT
BPI
LBP
SECB
PNB
CHIB
RCBC
The Banker Top Philippine Banks – Tier 1 Capital 2018
USD MillionBank
1
Rank
2
3
4
5
6
7
8
Acronyms:
BDO BDO Unibank MBT Metropolitan Bank & Trust Co.
BPI Bank of the Philippine Islands PNB Philippine National Bank
CHIB China Banking Corp. RCBC Rizal Commercial Banking Corp.
LBP Land Bank of the Philippines SECB Security Bank Corp.
11
Credit Ratings
Moody’s Fitch
28-Jan-2020 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 SheetStock Details
Type Common Shares
Stock Ticker BDO
ISIN PHY077751022
Exchange Philippine Stock Exchange
Par Value P10.00
Outstanding No. of Shares* 4,382,611,513
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 April 16, 2020
13
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Sustainability
V. Awards and Citations
1Q20 P&L
(in PHP billion) 1Q20 1Q19 YoY%
Interest Income 40.7 38.8 5%
Interest Expense 7.7 11.1 -30%
Net Interest Income 33.0 27.7 19%
Non-interest Income 9.0 14.9 -39%
Fee Income 8.1 8.2 -1%
Insurance Premiums 3.9 3.2 20%
Trading & FX (4.3) 2.2 -292%
Others 1.3 1.2 8%
Gross Operating Income 42.0 42.6 -1%
Operating Expense 26.8 28.3 -5%
Policy Reserves (1.5) 2.3 -164%
Pre-Provision Operating Profit 15.2 14.3 7%
Provisions 2.3 1.3 76%
Net Income Before Tax 13.0 13.0 0%
Taxes 4.2 3.2 30%
Net Income 8.8 9.8 -10%
Return on Common Equity 9.5% 11.8% -
BDO Conso
15
1Q20 Balance Sheet
(in PHP billion) 1Q20 1Q19 YoY%
Resources
Reserve Assets 523.5 488.3 7%
Investment Securities 446.5 436.7 2%
Gross Customer Loans 2,233.9 2,009.9 11%
Investment Properties 16.9 20.0 -15%
Other Assets 66.0 59.3 11%
Total Resources 3,286.8 3,014.1 9%
Liabilities
Deposits 2,575.2 2,361.4 9%
CASA 1,969.9 1,675.0 18%
Bills Payable/Sub-Debt 198.6 185.7 7%
Insurance Contract Liab. 41.7 33.2 26%
Other Liabilities 99.0 95.5 4%
Total Liabilities 2,914.6 2,675.7 9%
Total Capital 372.2 338.4 10%
Total Liabilities & Capital 3,286.8 3,014.1 9%
BDO Conso
16
17
BDO Loan Growth vs. Industry
BDO Loan Growth vs. Interest Income Growth
Loan growth negated
by declining ratesGood volume growth with stable yields
Growth tempered
by lower rates
*
* U/KBs of Feb 2020
9.8% 10.5% 10.0% 9.3% 10.3%18
Capital Ratiosa
Net Income & ROE
ROCE
a Per SOC, BSP
Industry ROEb
CARParent Conso
Min CET1 ratio w/ DSIB:
11.0% in 1Q-3Q19
10.5% starting 4Q19
bUKBs
19
Income Statement(in PHP billion) 2015 2016 2017 2018 2019 1Q20
Interest Income 72.1 82.0 99.8 129.1 160.6 40.7
Interest Expense 15.2 16.4 18.0 30.7 40.7 7.7
Net Interest Income 57.0 65.6 81.8 98.3 119.9 33.0
Non-interest Income 31.8 41.6 47.2 49.7 60.6 9.0
Fee Income 19.4 22.2 28.9 30.7 35.3 8.1
Insurance Premiums - 8.1 9.9 11.8 14.8 3.9
Trading & FX 7.2 4.8 3.9 2.2 5.7 (4.3)
Others 5.3 6.5 4.5 5.0 4.9 1.3
Gross Operating Income 88.8 107.2 129.0 148.0 180.5 42.0
Operating Expenses 55.1 70.0 84.9 98.0 115.2 26.8
Policy Reserves - 4.3 5.8 5.2 8.9 (1.5)
Pre-Provision Operating Profit 33.7 37.2 44.1 49.9 65.4 15.2
Provisions 3.0 3.8 6.5 6.3 6.2 2.3
Income bef. Pre-Acquisition 30.7 33.4 37.6 43.6 59.2 13.0
Pre-Acquisition Income - (0.4) - - - -
Taxes 5.7 6.8 9.5 11.0 15.0 4.2
Net Income 25.0 26.2 28.1 32.7 44.2 8.8
20
Balance Sheet(in PHP billion) 2015 2016 2017 2018 2019 1Q20
Resources
Reserve Assets 461.7 511.0 509.7 534.4 450.7 523.5
Investment Securities 225.8 269.0 332.9 385.2 435.9 446.5
Gross Customer Loans 1,279.4 1,482.0 1,754.9 2,020.1 2,208.1 2,233.9
Investment Properties 14.6 15.2 18.0 19.8 16.9 16.9
Other Assets 49.9 47.8 52.5 62.8 77.3 66.0
Total Resources 2,031.3 2,325.0 2,668.1 3,022.2 3,188.9 3,286.8
Liabilities
Deposits 1,663.9 1,905.2 2,121.0 2,420.0 2,485.2 2,575.2
Bills Payable/Sub-debt 107.6 110.6 140.5 153.7 177.6 198.6
Insurance Contract Liab. - 20.6 26.0 28.5 42.5 41.7
Other Liabilities 60.2 71.1 82.3 92.0 113.0 99.0
Total Liabilities 1,831.6 2,107.4 2,369.8 2,694.1 2,818.3 2,914.6
Total Capital 199.6 217.6 298.3 328.1 370.6 372.2
Total Liabilities & Capital 2,031.3 2,325.0 2,668.1 3,022.2 3,188.9 3,286.8
21
Financial Performance Indicators2015 2016 2017 2018 2019 1Q20
Profitability
Return on Ave. Common Equity 13.6% 12.7% 10.2% 10.7% 12.8% 9.5%
Return on Average Assets 1.3% 1.2% 1.1% 1.1% 1.4% 1.1%
Margins and Liquidity
Net Interest Margin (NIM) 3.2% 3.2% 3.5% 3.6% 4.2% 4.4%
Loan to Deposit Ratio 76.9% 77.8% 82.7% 83.5% 88.8% 86.7%
Liquid Assets to Total Assets 33.8% 33.5% 31.6% 30.4% 27.8% 29.5%
Liquidity Coverage Ratio (LCR) 109.2%
Cost Efficiency
Cost to Income Ratio 62.1% 65.3% 65.8% 66.3% 63.8% 63.8%
Cost to Assets Ratio 2.8% 3.2% 3.4% 3.4% 3.7% 3.3%
Asset Quality
NPL Ratio 1.2% 1.3% 1.2% 1.0% 1.2% 1.3%
NPL Cover 166.1% 139.3% 146.3% 183.1% 165.2% 151.4%
Capital and Leverageb
CET1 11.3% 10.6% 12.9% 12.1% 12.6% 12.7%
Tier 1 Ratio 11.7% 10.9% 13.1% 12.3% 12.8% 12.9%
Capital Adequacy Ratio (CAR) 13.3% 12.3% 14.5% 13.7% 14.2% 13.8%
Basel III Leverage Ratio (BLR) 10.0%aPer BSP Circ. 1011 8 9 10 11 12 12bPer SOC, BSP
Basel III
a aa
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Sustainability
V. Awards and Citations
Shareholder Structure
• Majority owned by the SM Group
As of 31 March 2020
Name Nationality Shareholdings
Percentage
of
Ownership
SM Investments Corp. Filipino 1,750,930,649 39.95%
PCD Nominee Foreign 1,260,115,267 28.75%
PCD Nominee Filipino 876,617,402 20.00%
Multi-Realty Development Corporation
SM Prime Holdings
Filipino
Filipino
282,890,230
90,024,395
6.45%
2.05%
Sub-Total, Top Shareholders 97.20%
Total Shares Outstanding* 4,382,603,513
Source: Top 100 Shareholders as of 31 March 2020
23
*Number of chares outstanding subsequently increased to 4,382,611,513 as of April 16,2020 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.
24
Financial
Services
Property
Retail
Access to SM’s customer
network
• Over 19,100 PHL tenants
• More than 9,500 suppliers
• 4.4 million average daily foot
traffic (not including China)
• 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 developers in South East
Asia with strong presence in
lifestyle mall operations and
residential developments
• Dominant domestic mall
developer/operator - 74 malls in the
Philippines with GFA of 8.5 mn
sqm (with 7 more malls in China)
covering 1.3 million sqm of GFA) .
• Largest local retail chain with 2,799
stores nationwide (65 The SM Store,
1,609 specialty retail outlets, 58 SM
Supermarkets. 52 SM Hyper-
markets, 201 Savemore, 60
Waltermart, and 754 Alfamart)
• Biggest domestic banking
operations
• Interests in BDO and China Bank
The SM Group
• Harnessing synergies with the country’s largest conglomerate
▪ 7 directors have an average of 35 years of banking
experience, including a former Partner and Head of Asia
Financials Research at Goldman Sachs
▪ 1 director is a senior partner in one of the most prestigious
law firms in the Philippines while another is a bar topnotcher
and member of the New York State Bar
• One of the strongest Board of Directors in the industry with extensive
banking and finance, legal and business backgrounds
• Independent directors comprise 6 out of 11-member Board
Experienced
Bankers
Legal Experts
▪ 2 directors are successful businesspersons who have made
their mark in their respective fields
Successful
Entrepreneurs
Board of Directors
25
Board of Directors
• With broad business and professional experience
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.
George T. Barcelon
Independent Director — first appointed to the Board in 2019
◼ Currently Chairman of the Philippine Chamber of Commerce
and Industry
◼ The visionary behind Integrated Computer Systems Inc., a
Top 1000 company
Josefina N. Tan
Director — first appointed to the Board in 2007
◼ Former 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
◼ Former COO of the Financial Institution Services Group of BZW,
the investment banking subsidiary of the Barclays Group
◼ Holds Directorships of numerous BDO subsidiaries
◼ 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
Vicente S. Perez, Jr
Independent Director — first appointed to the Board in 2019
◼ Served as Secretary of the Department of Energy 2001-2005
◼ Chairman of Altenergy and Solar Pacific
◼ MBA Wharton School
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 CenterChristopher A. Bell-Knight
Director — re-elected to the Board in 2013
◼ Previously served as BDO Director from 2005-2010
◼ Former VP and Country Head of the Bank of Nova Scotia
◼ Associate of the Chartered Institute of Bankers - British
26
Senior Management Team • With extensive professional banking expertise
Corporate Support
Frederic Mark S. Gomez
Head — I.T.
◼ With BDO since 2017
◼ Over 30 years of financial and I.T. experience
Evelyn C. Salagubang
Head — HRG Recruitment
◼ With BDO since 2007
◼ Over 26 years experience in HR
Lucy Co Dy
Head — Comptrollership
◼ With BDO since 1985
◼ Over 31 years of banking experience
Edwin Romualdo G. Reyes
Head — Transaction Banking
◼ With BDO since 2015
◼ Over 31 years banking experience
Evelyn L. Villanueva
Head — Risk Management
◼ With BDO since 2002
◼ Over 31 years of banking experience
Luis S. Reyes Jr.
Head — IR & Corplan
◼ With BDO since 2003
◼ Over 40 years of banking experience
Ricardo V. Martin
COS-OP, Head — Compliance and Legal
◼ With BDO since 2007
◼ Over 37 years banking experience
Maria Theresa L. Tan
General Manager — BDO Insurance Brokers
◼ With BDO since 2009
◼ Over 23 years banking and insurance experience
Albert Santiago Yeo
President — BDO Private Bank
◼ With BDO since 2017
◼ Over 33 years of banking experience
Eduardo V. Francisco
President — BDO Capital & Investment
◼ With BDO since 1999
◼ Over 31 years of banking experience
Rafael G. Ayuste Jr.
Head — Trust and Investments
◼ With BDO since 2014
◼ Over 30 years of banking experience
Walter C. Wassmer
Head — Institutional Banking
◼ With BDO since 1997
◼ Over 31 years of banking experience
Rolando C. Tanchanco
Head — Consumer Banking
◼ With BDO since 2004
◼ Over 26 years of banking experience
Jaime C. Yu
Head — Branch Banking
◼ With BDO since 1997
◼ Over 35 years of banking experience
Dalmacio D. Martin
Head — Treasury
◼ With BDO since 2009
◼ Over 31 years of banking experience
Products, Services and SubsidiariesIntermediation
Nestor V. Tan
President and CEO
◼ With BDO since 1997
◼ Over 38 years of banking experience
Roberto E. Lapid
President — BDO Leasing and Finance
◼ With BDOLF since 1993
◼ Over 35 years of banking experience
Estrellita V. Ong
Head — Internal Audit
◼ With BDO since 2011
◼ Over 24 years experience in audit
Renato Vergel de Dios
President & CEO – BDO Life Assurance
◼ With BDO since 2016
◼ Over 41 years of insurance experience
Jesus Antonio Saldaña Itchon
President, BDO Network Bank
◼ With BDO since 2017
◼ Over 31 years of banking experience
Maria Cecilia G. Fonacier
Head — Marketing Communications
◼ With BDO since 2017
◼ Over 25 years of banking experience
Joseph Albert L. Gotuaco
Head — Central Operations Group
◼ With BDO since 2019
◼ Over 30 years of banking experience
27*COS-Chief of Staff, OP-Office of the President
Alvin C. Go
Head — Legal
◼ With BDO since 2013
◼ In the practice of law for 31 years
Atty. Federico P. Tancongco
Chief Compliance Officer
◼ With BDO since 2005
pliance Over 25 years of banking experience
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Sustainability
V. Awards and Citations
Sustainability Report for 2018
Click
here
Full report can be accessed at: www.bdo.com.ph under Company Disclosures:
https://www.bdo.com.ph/sites/default/files/pdf/2018-BDO-Sustainability-Report.pdf
Outlines BDO’s sustainability strategies covering:
• Products
• Sustainability contribution
• Human capital
• Disaster response
• Governance
Reports on the Bank’s 2018 economic, environmental, social and governance performance
Conforms with Global Reporting Initiative (GRI) standards
29
Sustainability Philosophy
We seek to achieve strategic resilienceby incorporating sustainability in theway we do business.
We aim to embed sustainabilityprinciples when making decisions,assessing relationships, and creatingproducts.
BDO’s commitment to sustainability isfostered at the Board level. It anchorsits sustainable development strategy tothe United Nations SustainableDevelopment Goals (SDGs). The Bankalso upholds the 10 Principles of theUnited Nations Global Compact.
32
ESG Recognition / Awards
Silver Awardee Corp Governance Scorecard
Awardee for fourteen (14) consecutive years
Among the Best Companies in the Philippines in CSR and Environmental
Responsibility
Platinum
Award
Among the recipients of the 6th and 7th 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 2013-2018
Asian Banking
& FinanceCorporate Social Responsibility Program
of the Year – Gold (2017-2018)
34
BDO Unibank is a
constituent of the
FTSE4Good Index
http://www.ftse.com/products/indice
s/FTSE4Good
2019 Asia Corporate Excellence
and Sustainability
(ACES) Awards
Industry Champion of the Year
Forbes 2018GLOBAL 2000
Top Regarded Companies (#140) Top World’s Best Employers (#24)
Presentation Outline
I. Overview
II. Financial Highlights
III. Ownership, Board and Management
IV. Sustainability
V. Awards and Citations
Awards and Citations, 2014-2019
Best Bank in the Philippines
Asiamoney
FinanceAsia
Euromoney
Global Finance
Philippine Bank of the
Year 2016
Charlton East Coles
Top 15, Philippine Company of
the Year 2016
The BankerBank of the Year, Philippines
The AssetBest Domestic bank, Philippines
(2014-2018)
The Asian BankerStrongest Bank, Philippines
(2018-2019)
36
Best
Debt/Equity,
M&A
House
Best
Investment
Bank
Best
Private
Bank
Best Project
Finance
Bank
Best Retail &
Wholesale
Bank
Awards and Citations, 2014-2019
Best
Investment
Bank/Deals
Best
Private
Bank
Best Project
Finance
Bank/Deals
Best
Wholesale
Bank
Fund House of the
Year - Philippines
Best in Treasury & Working
Capital – SMEs in the
Philippines
FinanceAsia
FinanceAsia FinanceAsia
The Asset The AssetThe Asset
The AssetThe Asset
Euromoney
Global Finance
Asian Private
Banker
Asiamoney Asiamoney
AsianInvestor
Euromoney
Asiamoney
Project Finance
MagazineGlobal Finance
World FinanceBest Investment Management
Company
Best
in Trade
Finance
Best in
Fund
Management
Best
FX Bank/
Provider
Awards and Citations, 2014-2019
Best
in Internet
Banking
Best
Retail Bank
The Asset
Best in
Internet
Banking
Best
in Trade
Finance
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 Finance
BSP
Outstanding PhilPaSS
Participant Servicing
Customer ePayments for
Commercial Banks
Gold Award - Top
Commercial Bank that
Generate the Largest
Overseas Filipino
Remittances
Asian Banking
& Finance
Social Media Initiative of the Year
The AssetBest Retail Social-Media
Banking Experience, Philippines (2015-2018)
The Asset
The Mortgage Product of the Year (2018)
Mortgage Business of the
Year
Excellence in
Investor
Relations
Best
in Trade
Finance
Best in
Fund
Management
Best
FX Bank/
Provider
Awards and Citations, 2014-2019
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
FinanceAsia
Among the Best Managed Public Companies
Asiamoney
Nestor V. TanBest Executive
Most Organized Investor Relations
Best IR Company (Philippines)
Among the Best Senior Management IR Support
Teresita T. Sy-CosonAsia’s Best CEO Award
Best FX Provider in the
Philippines
Best Investment
Management Company
- Philippines
Teresita T. Sy (2016)
Nestor V. Tan (2019)
Management Man of
the Year Among 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
Best Corporate CommunicationsBest Wealth Manager, Philippines (2017)
Institutional
Investor
Nestor V. TanBest CEO – Emerging Markets
(Philippines)
Corporate
Governance
Asia15th Asian ESG
Awards 2019Teresita T. Sy-Coson,
ChairpersonAsian Corporate Director of the
Year
Nestor V. TanPresident & CEO
Asian Corporate Director of the Year
International Banker
Nestor V. Tan
Banking CEO of the Year (2019)
40
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