bdo investor presentation website 4q15 mar 2016 · 2018-04-25 · presentation outline i. overview...

1

March 2016

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 in terms oftotal resources with a marketcapitalization of P359 billion (USD7.60billion) as of 03 March 2016.

• A full-service universal bank with oneof the widest distribution networksconsisting of 1,031 operating branchesand over 3,000 ATMs nationwide.

• Part of the SM Group, one of thecountry’s largest conglomerates.

About BDO

5

Est. as Acme Savings Bank

Commercial Bank Expansion

1967

KB license

1994

Milestones• Expansion through organic growth and M&As

P77 BN

Merged with Dao HengBank 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

P862 BN

Acquired GE Money Bank

2009

Acquired Rural Bank of San Juan’s banking business

P1.2 TN

2012 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

2003

Acquired Banco Santander Philippines

P149 BN P617 BN

2007

Merged with Equitable PCI Bank.Acquired Amex Savings Bank Philippines

2016

Joint Ventures with Nomura Securities, andMitsubishi Motors Phils./Sojitz/JACCS

P2 TN

6

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

•

Unit investment

• 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 &equity

securities

• Fin’l advisory

• Project finance

• Loan syndication

Stock Brokerage

•• Equities trading

Insurance

•• Brokerage

• Bancassurance

Rural Banking

•• Salary loans

• Agricultural & business loans

Market Reach• Wide and extensive coverage in key areas

27 International Offices

Europe - 1413 Remittance Offices

1 Representative Office

Middle East - 1Representative Office

SEA, China, HK, Taiwan & Korea - 10 1 Full-service Branch5 Remittance Offices4 Representative Offices

NorthAmerica - 2 Remittance Offices

Philippines - 1,031 Branches

As of 01 March 2016

Domestic Distribution Network• 924 BDO operating branches as of 01 March 2016• Completed acquisition of One Network Bank in July 2015

8

Mobile/InternetBanking

Longer Banking Hours,Weekend Banking for over150 Mall Based Branches,3,241 ATMs nationwide

BDO ONB Total

Luzon 291 - 291

MetroManila

460 1 462

Visayas 100 11 111

Mindanao 73 95 168

TotalBranches

924 107 1,031

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

#1Loans

#1Deposits

#1Remittance

#1Trust and Asset Mgt

#1Private

Banking

Leading TradeServices Provider 1

Major Player in Cash Management 2

#1 Rural

Banking

#2 Leasing & Finance

#1 Investment Banking 4

#1 LocalInsurance

Brokerage 5

• Market-leading positions in almost all business lines

#1 Credit Cards 3

917

540

357

88 87 83 81 79 69 47

BPI MBT SCB RCBC China UCPB PNB LBP DBP

1,663

1,277 1,2591,046

486 439 343 324 312 290

BPI MBT LBP PNB China RCBC DBP UBP SECB

1,272

886 877

419 359 316 297 235 182 165

BPI MBT LBP PNB ChinaRCBC SECB UBP DBP

Total Assets

(in PHP billions)

Source: Company data, consolidated statements of c ondition (SOC). Ranking as at 31 December 2015

Note: Financials prepared by banks under BSP’s SOC requirements differ slightly from reported fina ncials 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 – 19%



2,0371,747

1,5021,198

651 532 524 518 510 432

MBT BPI LBP PNB SECB China RCBC DBP UBP


11

BDO UNIBANK, INC. PHILIPPINE PARENT BANK

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. 51%

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%

• With equity investments in allied and non-allied enterprises

Organizational Structure

3,873

3,850

3,843

3,828

3,813

3,810

3,782

3,744

3,743

3,731

0 1000 2000 3000 4000

Bank of Cyprus

Popular

HokuhokuFinancial

Bank Negara

BDO Unibank

Israel DiscountBank

Julius Baer

Iyo Bank

OTP Bank

NY CommunityBancorp

The Banker Top 1000 World Banks – Tier 1 Capital

Tier 1 Capital, 2014, USD Million

251

252

Rank Origin Bank

255

253

254

256

257

258

259

260

12

3,813

2,711

2,620

1,603

1,229

1,073

955

898

0 1000 2000 3000 4000

BDO Unibank

Bank of the Phil.Islands

MetropolitanBank

Philippine Nat'lBank

Land Bank

China BankingCorp.

Security Bank

Rizal CommercialBanking Corp.

The Banker Top Philippine Banks – Tier 1 Capital

Tier 1 Capital, 2014, USD Million

1

Rank Bank

2

3

4

5

6

7

8

13

14

Credit Ratings

Moody’s FitchCapital

Intelligence

17-Nov-2015 20-Jan-2016 24-Aug-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 SharesStock Ticker BDOISIN PHY077751022Exchange Philippine Stock ExchangePar Value P10.00Outstanding No. of Shares 3,645,375,218Foreign Ownership Up to 40%

American Depositary Receipts (ADR) Program Details

Type Sponsored Level 1 ADRADR Ticker BDOUYISIN US05537Y305Ratio 1 ADR = 10 Ordinary SharesDepositary Bank Deutsche Bank Trust Company AmericasContact DetailsADR Broker HelplineTel (New York) + 1 212 250 9100Tel (London) + 44 207 547 6500Email [email protected] website www.adr.db.com

Depositary Bank's Local Custodian Deutsche Bank AG, Manila

16


I. Overview 4



Management

27



33


(in PHP billion) 2015 2014 YoY%

Interest Income 72.1 63.6 13%

Loans & Other Receivables 63.4 53.9 18%

Interest Expense 15.2 12.4 23%

Interest Expense on Deposits 12.5 10.4 20%

Net Interest Income 57.0 51.2 11%

Non-interest Income 31.9 29.5 8%

Fee Income 19.4 18.0 8%

Trading & FX 7.2 7.1 1%

Others 5.4 4.4 24%

Gross Op Income 88.9 80.7 10%

Operating Expense 55.1 48.5 14%

Pre-Provision Op Profit 33.8 32.2 5%

Provisions 3.0 5.1 -41%

Taxes 5.7 4.2 34%

Net Income 25.0 22.8 10%17

2015 Income Statement

18

2010 to 2015 Income Statement(in PHP billion) 2010 2011 2012 2013 2014 2015

Interest Income 49.9 50.5 54.0 56.6 63.6 72.1

Interest Expense 15.8 16.9 17.9 13.4 12.4 15.2

Net Interest Income 34.2 33.6 36.1 43.2 51.2 57.0

Non-interest Income 17.8 20.9 24.4 31.8 29.5 31.9

Fee Income 10.4 12.3 13.4 15.5 18.0 19.4

Trading & FX 5.8 5.6 8.2 12.8 7.1 7.2

Others 1.6 3.0 2.8 3.6 4.4 5.4

Gross Op Income 52.0 54.5 60.5 75.0 80.7 88.9

Operating Expense 34.8 35.8 39.5 43.3 48.5 55.1

Pre-Prov Op Profit 17.2 18.7 21.0 31.8 32.2 33.8

Provisions 6.7 6.1 4.9 7.0 5.1 3.0

Taxes 1.6 1.7 1.6 2.1 4.2 5.7

Net Income 8.8 10.8 14.5 22.6 22.8 25.0

(in PHP billion) 4Q15 4Q14 YoY%

Resources

Reserve Assets 461.7 488.4 -5%

Investment Securities 225.8 221.5 2%

Gross Customer Loans 1,279.4 1,089.4 17%

Investment Properties 14.6 13.9 6%

Other Assets 49.9 50.5 -1%

Total Resources 2,031.3 1,863.6 9%

Liabilities

Deposits 1,663.9 1,492.3 11%

CASA 1,137.7 958.8 19%

Bills Payable/Sub-Debt 107.6 110.4 -3%

Other Liabilities 60.2 81.3 -26%

Total Liabilities 1,831.6 1,684.0 9%

Total Capital 199.6 179.7 11%

Total Liabilities & Capital 2,031.3 1,863.6 9%

19

4Q15 Balance Sheet

20

2010 to 2015 Balance Sheet(in PHP billion) 2010 2011 2012 2013 2014 2015

Resources

Reserve Assets 229.6 203.5 201.2 491.5 488.4 461.7

Investment Securities 197.3 188.4 237.3 227.9 221.5 225.8

Gross Customer Loans 541.5 670.1 769.0 911.5 1,089.4 1,279.4

Investment Properties 12.0 10.1 9.1 10.4 13.9 14.6

Other Assets 20.5 22.1 25.0 31.5 50.4 49.9

Total Resources 1,000.9 1,094.2 1,241.6 1,672.8 1,86 3.6 2,031.3

Liabilities

Deposits 782.6 858.6 931.6 1,345.3 1,492.3 1,663.9

Bills Payable/Sub-Notes 89.0 97.7 100.4 97.3 110.4 107.6

Other Liabilities 40.5 44.1 55.2 65.8 81.3 60.2

Total Liabilities 912.1 1,000.4 1,087.2 1,508.4 1,68 4.0 1,831.6

Total Capital 88.7 93.8 154.4 164.4 179.7 199.6

Total Liabilities & Capital 1,000.9 1,094.2 1,241.6 1,672.8 1,863.6 2,031.3

21

Financial Performance Indicators2010 2011 2012 2013 2014 2015

Profitability

Return on Ave. Common Equity 11.9% 12.4% 12.0% 14.3% 13.6% 13.6%

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

Margins and Liquidity

Net Interest Margin (NIM) 4.1% 3.5% 3.4% 3.3% 3.2% 3.2%

Loans to Deposit Ratio 69.2% 78.1% 82.5% 67.8% 73.0% 76.9%

Liquid Assets to Total Assets 42.6% 35.8% 35.3% 43.0% 38.1% 33.8%

Cost Efficiency

Cost to Income Ratio 66.9% 65.6% 65.2% 57.7% 60.1% 62.0%

Cost to Assets Ratio 3.7% 3.4% 3.4% 3.0% 2.7% 2.8%

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% 165.8%

Capital Basel II Basel IIICET1 12.4% 11.3%

Tier 1 Ratio 10.0% 10.0% 15.2% 14.6% 12.8% 11.7%

Capital Adequacy Ratio 13.8% 15.6% 19.1% 15.8% 14.6% 13.3%

22

Loan Growth• Outpacing industry

9%

19%16%

16%

20%

14%

15%

24%

15%

19%20%

17%

5%

10%

15%

20%

25%

2010 2011 2012 2013 2014 2015

BDO

Industry

23

Deposits

CASA YoY∆ 19% 13% 12% 31% 24% 19%CASA Ratio 60% 62% 64% 58% 64% 68%

(in P bn)

471 531 592775

9591,138311

328339

570

533

526

783859

932

1,3451,492

1,664

0

200

400

600

800

1,000

1,200

1,400

1,600

1,800

2010 2011 2012 2013 2014 2015

TimeDeposits

CASA

• Sustained growth in low-cost deposits

24

Net Income

(in P bn)

• Record profits, better quality core earnings

8.910.4

14.3

22.6 22.825.0

0

5

10

15

20

25

30

2010 2011 2012 2013 2014 2015

• Ratios above Basel III standardsCapital Adequacy Ratio

25

8.5%

11.3%

10.0%

11.7%10.0%

13.3%

0%

2%

4%

6%

8%

10%

12%

14%

16%

BSP Basel IIIRequirement

BDO-Consolidated2015

CAR

Tier 1

CET1

Note:Minimum CET1 and Tier 1 ratios under Basel III are inclusive of the 2.5% capital conservation buffer.

26


I. Overview 4



Management

27



33


27

Shareholder Structure• Majority owned by the SM Group

As of 31 December 2015

Name Nationality ShareholdingsPercentage

of Ownership

SM Investments Corp. Filipino 1,463,657,368 40.15%

PCD Nominee Foreign 1,172,934,161 32.18%

PCD Nominee Filipino 564,869,153 15.50%

Multi-Realty Development Corporation Filipino 236,476 ,739 6.49%

Sub-Total, Top Shareholders 94.32%

Total Shares Outstanding 3,645,375,218

Source: Top 100 Shareholders as of 31 December 2015

28

Financial Services

Property

Retail

Access to SM’s customer network

• Over 17,000 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 294 stores nationwide

• Dominant domestic mall developer/operator - 56 malls with GFA of 7.3 mn sq m

• 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 o f banking experience, including a former Partner and Head of Asia Financials Research at Goldman Sachs

� 2 directors are practicing attorneys, and the other a Philippine bar topnotcher and member of the State B ar of New York

• One of the strongest Board of Directors in the indu stry with extensive banking and finance, legal and business b ackground

ExperiencedBankers

PracticingLawyers

� 1 director is a successful businessman who has made his mark in the field of retailing

SuccessfulEntrepreneur

Board of Directors

29

Board of Directors

Henry T. Sy SeniorChairman 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. SyChairperson — 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. PacisDirector — first appointed to the Board in 2004

� Director of BDO Capital

� Corporate lawyer since 1967

� Degree from Harvard Law School

Josefina N. TanDirector — 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. TanPresident 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. RamosIndependent 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. TangIndependent 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. TeodoroIndependent 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. BuenaventuraIndependent 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-KnightDirector — 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


� Over 20 years experience in HR

Lucy Co Dy Head — Comptrollership



Ricardo V. Martin Head — IT Group



Evelyn L. Villanueva Head — Risk Management



Luis S. Reyes Jr. Head — IR & Corplan



Rebecca S. Torres Head — Compliance



Alvin C. Go Head — Legal


� 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


� Over 20 years experience in audit

32


I. Overview 4



Management

27



33


33

Corporate Governance

Five (5) principles of CG practices:

• Accountability• Fairness• Integrity• Transparency• Performance

Strict adherence to best practices and ethical stan dards

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 GovernanceCompliant 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 GovernanceRecognition 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 2013-2015

Platinum Award

36


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


• 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 ResponsibilityRecognition for CSR initiatives

Among the Best Environmentally Responsible Companies in the

Philippines

Among the Best CSR Companies in the Philippines

39


I. Overview 4



Management

27



33


40

Awards and Citations, 2014-2015

Best Bank in the Philippines

Global Finance

Asiamoney

FinanceAsia

Among the Best Emerging Markets Banks

The Asset

Euromoney

41


Best Retail &Wholesale Bank

Best Debt/Equity House

Asiamoney

FinanceAsia

Best Private Bank

Euromoney

The Asset

FinanceAsia

Best Investment Bank

FinanceAsia

The Asset

Best ProjectFinance Bank

The Asset

The AssetThe

Asian Banker

42

Awards and Citations, 2014-2015Excellence In Investor Relations

Most Organized Investor Relations

Among the Best Investor Relations Companies in the

Philippines

Among the Best Senior Management IR Support

Excellence In Investor Relations

(Individual Awards)

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)

Best Managed Company in the Philippines – Large Cap

FinanceAsiaAmong the Best Managed

Public Companies

Asiamoney

Nestor V. TanBest Executive

Excellence In Leadership &

Management

Asiamoney

43


Best in Trade Finance

The Asset

Best in InternetBanking

Best in Cash Management

TheAsian Banker

Best FX Bank/ Provider

Asiamoney

FinanceAsia

Best in Fund Management

The Asset

Reader’s DigestAmong the Most Trusted

Brands

TheAsian Banker

44

Thank you.www.bdo.com.ph

bdo investor presentation website 4q15 mar 2016 · 2018-04-25 · presentation outline i. overview...

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