BDO Investor Presentation 2015Q2

1
October 2015
Investor Presentation
Presentation Outline
I.
Overview
II.
Financial Highlights
17
III.
Ownership, Board and
27
Management
IV.
Corporate Governance and
33
Corporate Social Responsibility

V.
Awards and Citations
40
About BDO
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

countrys largest conglomerates.
Milestones
Expansion through organic growth and M&As

Acquired GE
Money Bank
Acquired Citibank
Savings, DB Trust and
Real Bank
P1.9 TN
Acquired UOB Philippines
branch banking business
P1.2 TN
Acquired 1st e-Banks

banking business
Acquired by
SM Group
Est. as
Acme
Savings
Bank
Merged with Dao Heng

Bank Philippines
P234 BN
P36 BN
P121 BN
P77 BN
1967 1976
P862 BN
P149 BN
KB license
Assets
P13 BN
P617 BN
U/KB license
Acquired
Banco
Santander
Philippines
Acquired
One
Network
Bank
Acquired Rural
Bank of San
Juans banking
business
Merged with Equitable

PCI Bank.
Acquired Amex Savings
Bank Philippines
1994 1996 2001 2002 2003 2005 2007 2009 2010 2012 2013 2014 2015
Commercial Bank Expansion
5
Full Service Bank

Complete range of financial products and services
Branch
Banking
Deposit and
Transaction
Banking
Cash management
related products
Over-the-counter
transactions
Cross-selling
distribution platform
Corporate &
Institutional
Banking
Corporate and
middle market
lending
Trade finance
Specialized lending
Financial Institutions
Cross-border
financing
services
Insurance
Brokerage
Bancassurance
Electronic banking
Merchant acquiring
Remittances
Underwriting and
distribution of
Fixed income and
equity securities
Financial advisory
Project finance
Loan syndication
management
Unit investment
Living trusts
Retirement funds
Special trusts /
Prepaid cards
Investment
Banking
Investment
trust funds
ATMs
Consumer
Lending
Trust Banking
Auto
Mortgage
Credit cards
Personal loans
Merchant payment
processing
custodianship
Private
Banking
Treasury
Services
Wealth advisory
Fixed income
dealership
Customized portfolio
management
Foreign exchange
transactions
Portfolio
management
Liquidity
management
Leasing &
Finance
Direct lease, sale
and leaseback
arrangements
Installment paper
purchases
Receivable
discounting
and factoring
Market Reach
Wide and extensive coverage in key areas
Europe - 15
14 Remittance Offices
1 Representative Office
North
America - 3
SEA, HK, Taiwan & Korea - 9

1 Full-service Branch
5 Remittance Offices
3 Representative Offices
Middle East - 1
Representative Office
Remittance Offices
Philippines
1,010 Branches
As of 2 October 2015
28
International Offices
Domestic Distribution Network

903 BDO operating branches as of 2 Oct 2015
107 One Network Bank branches (completed
acquisition in July 2015)
BDO ONB Total
Metro
Manila
453
454
Luzon
285
285
Visayas
97
11
108
Mindanao
68
95
163
Mobile/Internet
Banking
Total
903 107 1,010
Branches
140 Mall Based Branches,
3,037 ATMs nationwide
Business Franchise
Market-leading positions in almost all business lines
#1
Loans
#1
Deposits
#1
Trust and
Asset Mgt
Leading Trade
Services Provider1
#1
Investment
Banking4
#1
Private
Banking
#1
Remittance
#1
Credit
Cards3
Major Player in
Cash Management2
#1
Rural
Banking
#2
Leasing &
Finance
#1 Local
Insurance
Brokerage5
Notes:
1 According to The Asian Banker, Global Finance, The Asset, & Trade Finance Magazine
2 According to The Asset
3 In terms of cardholder base & merchant acquiring gross billings
4 In terms of corporate issuances
5 Among insurance brokers in terms of premiums produced
Industry Ranking
No. 1 among Philippine banks
Total Assets
Gross Customer Loans

(in PHP billions)
(in PHP billions)
1,886
1,630
BDO Market Share 17%
1,414
617
BPI
LBP

775 733
1,091
MBT
1,124
377 334
295 275
476 470 464 441

357
PNB China RCBC DBP SECB UBP
Customer Deposits
BPI
MBT
LBP
203 164 153
PNB China RCBC SECB UBP
DBP
Assets Under Management

(in PHP billions)
(in PHP billions)
Source: Company data, consolidated statements of condition (SOC). Ranking as at 30 June 2015
Note: Financials prepared by banks under BSPs SOC requirements differ slightly from reported 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.
BDO Unibank, Inc.
PHILIPPINE PARENT BANK
BDO Securities
Corp. 100%
CBN Grupo
International
Holdings B.V. 60%
Averon Holdings,
Inc. 100%
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%
BDO Rental, Inc.

100%
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%
Armstrong Securities, Inc. 80% (b)
BDO Remit (Italia)
S.p.A. 100% (a)
BDO Insurance Brokers,

Inc. 100%
Equimark-NFC
Development Corp.
60%
Generali Pilipinas
Holdings Co., Inc. BDO38.05%, BDO Cap-1.95%
SM Keppel Land, Inc.
50%
Generali Pilipinas Life

Assurance Co. 100%
Generali Pilipinas
Insurance Co. 100%
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)
(a)
(b)
(c)
For dissolution
For sale
For merger
*not yet operational

- 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
BDO Remit Limited

(100%)
BDO Remit (Macau) Ltd. 100%
MDB Land Inc. (a)
BDO-35%/
BDOSHI 65%
11
The Banker Top 1000 World Banks Tier 1 Capital

Tier 1 Capital Ranking of Banks
(as of 31 December 2014)
World Rank
Current
Previous
Local
Rank
251
291
CY
Bank of Cyprus
3,873
252
212
PR
Popular
3,850
253
236
18
JP
254
269
ID
255
268
PHL
256
239
257
244
258
Country
Name of Bank
Hokuhoku Financial
Group
Bank Negara
Indonesia (BNI)
Tier 1 Capital
($ Mn)
3,843
3,828
BDO Unibank
3,813
IL
Israel Discount Bank
3,810
CH
Julius Baer Group
3,782
254
19
JP
Iyo Bank
3,744
259
179
HU
OTP Bank
3,743
260
248
38
US
New York Community

Bancorp
3,731
12
The Banker Top Philippine Banks Tier 1 Capital

Tier 1 Capital Ranking of Banks
(as of 31 December 2014)
World Rank
Current
Previous
Local
Rank
255
268
BDO Unibank, Inc.
3,813
338
382
Bank of the Philippine Islands
2,711
345
314
Metropolitan Bank & Trust
2,620
478
642
Philippine National Bank
1,603
566
n/a
Land Bank Philippines
1,229
611
702
China Banking Corporation
1,073
660
680
Security Bank
955
683
655
Rizal Commercial Banking

Corp.
898
Name of Bank
Tier 1 Capital
($ Mn)
13
Credit Ratings
Moodys
Fitch
Capital
Intelligence
18 June 2015
24 April 2015
24 August 2015
Long Term
Baa2
BB+
BBB-
Short Term
Prime-2
A3
Stable
Positive
Stable
Foreign Currency Bank

Deposits/Issuer/Debt Rating (IDR)
Outlook
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: Moodys, Fitch and Capital Intelligence
14
Trading Fact Sheet

Stock Details
Type
Stock Ticker
ISIN
Exchange
Par Value
Outstanding No. of Shares
Foreign Ownership
Common Shares
BDO
PHY077751022
Philippine Stock Exchange
P10.00
3,645,375,218
Up to 40%
American Depositary Receipts (ADR) Program Details

Type
ADR Ticker
ISIN
Ratio
Depositary Bank
Contact Details
ADR Broker Helpline
Tel (New York)
Tel (London)
Email
ADR website
Sponsored Level 1 ADR

BDOUY
US05537Y305
1 ADR = 10 Ordinary Shares
Deutsche Bank Trust Company Americas
Depositary Bank's Local Custodian
Deutsche Bank AG, Manila
+ 1 212 250 9100

+ 44 207 547 6500
adr@db.com
www.adr.db.com
15
I.
Overview
II.
17
III.
27
Management
IV.
33

V.
40
16
1H15 Income Statement

(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%
11.7
11.1
6%
Net Income
17
2010 to 1H15 Income Statement

(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
8.9
10.8
14.5
22.6
22.8
11.7
Net Income
18
2Q15 Balance Sheet

(in PHP billion)
2Q15
2Q14
YoY %
Reserve Assets
463.1
482.5
-4%
Investment Securities
239.9
193.7
24%
1,126.6
975.1
16%
Investment Properties
12.5
10.1
24%
Other Assets
31.1
23.1
35%
1,873.2
1,684.5
11%
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%
1,692.7
1,515.8
12%
180.6
168.7
7%
1,873.2
1,684.5
11%
Resources
Total Resources
Liabilities
Total Liabilities
Total Capital
Total Liabilities & Capital
19
2010 to 2Q15 Balance Sheet

(in PHP billion)
2Q15
2010
2011
2012
2013
2014
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
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
1,000.9
1,094.2
1,241.6
1,672.8
1,863.6
1,873.2
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
88.7
93.8
154.4
164.4
179.7
180.6
1,000.9
1,094.2
1,241.6
1,672.8
1,863.6
1,873.2
Resources
Total Resources
Liabilities
Deposits
Total Capital
Total Liabilities & Capital
20
Financial Performance Indicators

2010
2011
2012
2013
2014
1H15
Profitability
Return on Ave. Common
Equity
Return on Average Assets
11.3%
1.0%
12.1%
1.0%
11.7%
1.2%
14.0%
1.6%
13.4%
1.3%
13.2%*
1.3%*
Margins and Liquidity

Net Interest Margin (NIM)
Loans to Deposit Ratio
Liquid Assets to Total Assets
4.1%
69.2%
42.7%
3.6%
78.1%
35.8%
3.4%
82.5%
35.3%
3.3%
67.8%
43.0%
3.2%
73.0%
38.1%
3.1%*
74.1%
37.1%
Cost Efficiency
Cost to Income Ratio
Cost to Assets Ratio
66.9%
3.7%
65.6%
3.4%
65.2%
3.4%
57.7%
3.0%
60.1%
2.7%
61.4%
2.9%
Asset Quality
NPL Ratio
NPL Cover
4.7%
92.1%
3.4%
106.0%
2.8%
1.6%
1.3%
125.7% 170.7% 188.4%
1.2%
197.7%
Capital
CET1
Tier 1 Ratio
Capital Adequacy Ratio
* Annualized
Basel II
10.0%
13.8%
10.0%
15.6%
Basel III
15.2%
19.1%
14.6%
15.8%
12.4%
12.8%
14.6%
11.5%
11.9%
13.6%
21
Loan Growth
22
Deposits
(in P bn)
1,600
1,200
859
520
Time
Deposits
783
311
328
932
CASA
339
400
200
533
570
1,000
600
1,520
1,345
1,400
800
1,492
959
1000
2014
2Q15
775
471
531
592
2010
2011
2012
2013
19%
60%
13%
62%
12%
64%
31%
58%
0
CASA YoY
CASA Ratio
24%
64%
17%
66%
23
Net Income
Record profits, better quality core earnings
(in P bn)
30
25
22.6
22.8
20
14.3
15
10.4
10
11.7
8.9
0
2010
2011
2012
2013
2014
1H15
24
Capital Adequacy Ratio
Ratios above Basel III standards

16%
13.6%
CAR
14%
12%
10%
11.9%
10.0%
Tier 1
CET1
10.0%
8%
6%
4%
11.5%
8.5%
2%
0%
BSP Basel III

Requirement
(Fully Loaded)
BDO-Consolidated
2Q15
BDO capital ratios reflect cash dividends declared but not yet paid.
25
I.
Overview
II.
17
III.
27
Management
IV.
33

V.
40
26
Shareholder Structure
Majority owned by the SM Group
As of 30 June 2015
SM Investments Corp.
Filipino
1,463,657,368
Percentage of
Ownership
40.87%
PCD Nominee
Foreign
1,181,880,830
33.01%
PCD Nominee
Multi-Realty Development
Corporation
Sub-Total, Top Shareholders
Filipino
555,759,235
15.52%
Filipino
236,476,739
6.60%
Name
Total Shares Outstanding1
Nationality Shareholdings
96.00%
3,580,875,328
Source: Top 100 Shareholders as of 30 June 2015

1
Number 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 transaction
with a substantial BDO shareholder.
27
The SM Group
Harnessing synergies with the countrys largest conglomerate
Retail
Largest local retail chain with 289

stores nationwide
Dominant domestic mall
developer/operator - 52 malls with
GFA of 6.6 mn sqm
Financial
Services
Biggest domestic banking

operations
Interests in BDO and China Bank
Property
Leading residential condominium

developer in Metro Manila in terms
of units sold
Among the fastest growing
commercial, resorts and hotel
developers in the Philippines
Access to SMs 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
28
Board of Directors
One of the strongest Board of Directors in the industry with extensive
banking and related experience
Experienced
Bankers
Practicing
Lawyers
Successful
Entrepreneur
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
1 director is a successful businessman who has made his

mark in the field of retailing
29
Board of Directors
With broad business and professional experience
Teresita T. Sy
Chairperson first appointed to the Board in 1977
Serves as Director in multiple subsidiaries of BDO
Henry T. Sy Senior
Chairman Emeritus first appointed to the Board in 1976
Founder and Chairman of the SM Group of Companies
Vice Chairperson of SMIC and Director of other SM Group
Started his entrepreneurship career in 1958
companies, including Multi-Reality 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
Chairman of SMIC, SM Prime Holdings and SM Dev. Corp.
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
Nestor V. Tan
President and CEO first appointed to the Board in 1998
Holds Directorships of numerous BDO subsidiaries
Jimmy T. Tang
Independent Director first appointed to the Board in 1984
Serves as Independent Director since 2002
Director of the Bankers Association of the Philippines
Previously served as Director since 1984
MBA Wharton School
Chairman and President of AVESCO Group of Companies
Antonio C. Pacis
Director first appointed to the Board in 2004
Director of BDO Capital
Jones M. Castro Jr.

Served as Head for South Asia and SEA at Wells Fargo Bank
Corporate lawyer since 1967
MBA Stanford University
Degree from Harvard Law School
Josefina N. Tan
President of BDO Private Bank
Former Director of EPCIB from 2005 to 2007
Jose F. Buenaventura
Senior Partner of Romulo Mabanta Buenaventura Sayoc & De
Los Angeles Law Offices since 1976
Former Director of Banco de Oro from 2001 to 2005
Master of Laws from Georgetown University Law Center
Cheo Chai Hong

Director of UOB (Philippines), UOB Global Capital Private,
UOB (Thai) and Encus International
Gilberto C. Teodoro
Served as Secretary of National Defense from 2007-2009
Head of Corporate Planning and International of UOB Group
Masters of Laws from Harvard Law School

Topnotcher, 1989 Philippine Bar Examinations
Senior Management Team
With extensive professional banking expertise

Nestor V. Tan
President and CEO
With BDO since 1997
Over 30 years of banking experience
Services and Subsidiaries
Intermediation
Walter C. Wassmer
Head Business Lending
With BDO since 1997
Ador A. Abrogena
Head Trust and Investments
With BDO since 1990
Josefina N. Tan
Head Private Banking
With BDO since 2003
Rolando C. Tanchanco
Head Consumer Lending
With BDO since 2004
25-year banking experience
Edwin Romualdo G. Reyes

Head Transaction Banking
With BDO since 2015
Eduardo V. Francisco
Head Investment Banking
With BDO since 1999
Jaime C. Yu
Head Branch Banking
With BDO since 1997
Roberto E. Lapid
President BDO Leasing and Finance
With BDOLF since 1993
Over 30-years of banking experience
Maria Theresa L. Tan

General Manager BDO Insurance
With BDO since 2009
22-year banking and insurance experience
Pedro M. Florescio III

Head Treasury
With BDO since 2001
Corporate Support
Ricardo V. Martin
Head IT Group
Luis S. Reyes Jr.

Head IR & Corplan
With BDO since 2001
With BDO since 2003
Lucy Co Dy
Head Comptrollership
Estrellita V. Ong
Head Internal Audit
Evelyn C. Salagubang
Head Human Resources
With BDO since 1985
With BDO since 2011
With BDO since 2007
Over 20 years experience in audit
Over 20 years experience in HR
Anthony Chua
Head Global Operations
With BDO since 2014
Alvin C. Go
Head Legal
Rebecca S. Torres
Head Compliance
Rafael G. Besa
Head Marketing
With BDO since 2013
With BDO since 1978
With BDO since 2007
In the practice of law for 30 years
Evelyn L. Villanueva
Head Risk Management
Dennis B. Velasquez
Head Central Operations
With BDO since 2002
With BDO since 1995
I.
Overview
II.
17
III.
27
Management
IV.
33

V.
40
32
Corporate Governance
Strict adherence to best practices and ethical standards
Five (5) principles of CG

practices:
Accountability
Fairness
Integrity
Transparency
Performance
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
33
Compliant with regulatory requirements
Board
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
34
Recognition for CG initiatives
Awardee for ten (10)

consecutive years
Platinum
Award
Silver Awardee
Corp Governance Scorecard
Among the Top 50 PubliclyListed Companies in the ACGS

Scorecard 2013-2014
35

BDO Foundations Advocacies
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
Project BANGKA (motorized boats with fishing nets for San Dionisio
fishing village in Iloilo)
36

BDO Foundations Advocacies
Healthcare
Construction/modernization of public health centers/ facilities
Green/Environmental Initiatives
Go Green Program
Energy conservation/efficiency, proper solid and hazardous waste

disposal
Tree planting, vegetable growing projects
BDO-World Wide Fund for Nature (WWF) Philippines

Partnership Project
37

Recognition for CSR initiatives
Among the Best CSR

Companies in the Philippines
Among the Best Environmentally

Responsible Companies in the
Philippines
38
I.
Overview
II.
17
III.
27
Management
IV.
33

V.
40
39
Institutional Awards and Citations, 2013-2015

Best Bank in the Philippines
Strongest Bank in the Philippines
40

Best
Retail & Wholesale
Bank
in the Philippines
Best
Private Bank
In the Philippines
Best
Investment Bank
in the Philippines
Best
Equity House
in the Philippines
41

Excellence
In Investor
Relations
Excellence
In Investor
Relations
(Individual Awards)
Among the Best

Investor Relations
Companies in the
Philippines
Among the Best Senior

Management IR Support
Teresita Sy-Coson
One of Asias Best CEOs
(Investor Relations)
Pedro M. Florescio
One of Asias Best CFOs
(Investor Relations)
Most Organized
Investor Relations
Luis S. Reyes, Jr.

One of the Best IR
Professionals (Phils)
42

Best FX Bank/
Provider
Fund House
of the Year
Best in
Trade Finance
Leading
Counterparty Bank
43
Thank you.
www.bdo.com.ph
44

BDO Investor Presentation 2015Q2

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1

Ownership, Board and

Corporate Governance and

Corporate Social Responsibility

Awards and Citations

The Philippines largest bank with total

A full-service universal bank with one of

Part of the SM Group, one of the

Expansion through organic growth and M&As

Acquired 1st e-Banks

Merged with Dao Heng

Merged with Equitable

Full Service Bank

SEA, HK, Taiwan & Korea - 9

Domestic Distribution Network

Gross Customer Loans

(in PHP billions)

BDO Market Share 17%

BDO Market Share 22%

476 470 464 441

PNB China RCBC DBP SECB UBP

203 164 153

PNB China RCBC SECB UBP

Assets Under Management

(in PHP billions)

BDO Market Share 18%

BDO Market Share 35%

BDO Private Bank, Inc. 100%

BDO Rental, Inc.

One Network Bank, Inc. (A Rural

BDO Insurance Brokers,

Generali Pilipinas Life

NorthPine Land, Inc.

*not yet operational

BDO Remit Limited

The Banker Top 1000 World Banks Tier 1 Capital

Israel Discount Bank

Julius Baer Group

New York Community

The Banker Top Philippine Banks Tier 1 Capital

BDO Unibank, Inc.

Bank of the Philippine Islands

Metropolitan Bank & Trust

Philippine National Bank

Land Bank Philippines

China Banking Corporation

Rizal Commercial Banking

Foreign Currency Bank

Adjusted BCA Rating

Financial Strength Rating

Counterparty Risk (CR) Assessment

Source: Moodys, Fitch and Capital Intelligence

Trading Fact Sheet

American Depositary Receipts (ADR) Program Details

Sponsored Level 1 ADR

Depositary Bank's Local Custodian

Deutsche Bank AG, Manila

+ 1 212 250 9100

Ownership, Board and

Corporate Governance and

Corporate Social Responsibility

Awards and Citations

1H15 Income Statement

Net Interest Income