BDO

CORPORATE PROFILE
BDO is a full-service universal bank in the Philippines. It provides
a complete array of industry-leading products and services including
Lending (corporate and consumer), Deposit-taking, Foreign Exchange,
Brokering, Trust and Investments, Credit Cards, Corporate Cash
Management and Remittances in the Philippines. Through its local
subsidiaries, the Bank offers Leasing and Financing, Investment
Banking, Private Banking, Rural Banking, Life Insurance, Insurance
Brokerage and Stock Brokerage services.
BDOs institutional strengths and value-added products and
services hold the key to its successful business relationships with
customers. On the front line, its branches remain at the forefront of
setting high standards as a sales and service-oriented, customer focused
force. BDO has one of the largest distribution networks, with more than
1,100 operating branches and over 3,600 ATMs nationwide (including
One Network Bank).
Through selective acquisitions and organic growth, BDO has
positioned itself for increased balance sheet strength and continuing
expansion into new markets. As of 31 December 2016, BDO is the
countrys largest bank in terms of consolidated resources, customer
loans, deposits, assets under management and capital, as well as branch
and ATM network nationwide.

BDO is a member of the SM Group, one of the countrys largest
and most successful conglomerates with businesses spanning between
retail, mall operations, property development (residential, commercial,
resorts/hotel), and financial services. Although part of a conglomerate,
BDOs day-to-day operations are handled by a team of professional
managers and bank officers. Further, the Bank has one of the industrys
strongest Board of Directors composed of professionals with extensive
experience in various fields that include banking, accounting, finance,
law, bank regulations and risk management, strategy formulation and
merchandise marketing.
Awards and Citations
BDO is a recipient of multiple awards from various local and
international award-giving bodies for both institutional and product
excellence. A listing of these awards is detailed on the Banks website
under About BDO - Awards and Citations.
ENVIRONMENTAL,SOCIAL AND GOVERNANCE (ESG)
Corporate Governance
BDOs corporate governance is anchored on five (5) basic
principles: accountability, fairness, integrity, transparency and
performance. This governance philosophy is deeply rooted in

BDOs corporate culture as it believes that effective governance is a
collective effort of its directors, officers and staff. As such, the
Bank upholds the highest standards of ethical behavior and
responsible conduct of business as it protects the interests of and
creates value for its shareholders.
Corporate Social Responsibility
The Bank carries out its corporate social responsibility (CSR)
through the BDO Foundation, the CSR arm of BDO Unibank that
promotes initiatives based on the Banks long-standing record of
support to social development. The Banks corporate social
responsibility focuses on its disaster response advocacy that is
achieved through three main interventions, namely, relief,
rehabilitation and reconstruction, particularly in areas affected by
natural or man-made disasters. The Banks CSR projects focus on
the following: relief operations in disaster-stricken provinces;
rehabilitation/reconstruction of rural health centers; construction
of houses in resettlement areas, multi-purpose halls and school
buildings; and support for livelihood projects for families with
disabled members (persons with disabilities).
Also, the BDO Foundation actively promotes volunteerism
among its employees who help out in the Foundations various
activities that include, among others, community building,
livelihood/skills training, fund raising, and environmental/green

initiatives. Through these, the Bank hopes that it is able to give
back to society and make a positive 3 contribution to the broader
community it serves. For more details, please refer to ESG -
Corporate Social Responsibility on the Banks website.
Environmental Initiatives
BDO imposes limits and monitors exposure to certain
industries, e.g., Gaming, Tobacco and Alcohol, as well as restricts
lending to other sectors under the Exclusion List (those deemed to
have adverse or harmful effects to the community and the
environment).
Through its Sustainable Energy Finance (SEF) Program in
cooperation with IFC, the Bank supports green energy investments
in Energy Efficiency (EE) and Renewable Energy (RE) projects. The
Bank likewise partnered with the Japan Bank for International
Cooperation (JBIC) for the latters Green Facility, a USD50 million
relending credit facility open to RE, EE and Green building projects
which reduce Greenhouse gas emissions.
As well, BDO has a Go Green Campaign implemented
across the Bank and its branches that raises awareness on
environmental issues, espouses good environmental practices in
the workplace and mobilizes volunteers for conservation initiatives.

Please refer to ESG - Environmental Initiatives on the Banks
website for more details.
CORE VALUES
Commitment to Customers
We are committed to deliver products and services that surpass
customer expectations in value and every aspect of customer services,
while remaining to be prudent and trustworthy stewards of their wealth.
Commitment to a Dynamic and Efficient Organization
We are committed to creating an organization that is flexible,
responds, to change and encourages innovation and creativity. We are
committed to the process of continuous improvement in everything we
do.
Commitment to Employees
We are committed to our employees growth and development and
we will nurture them in an environment where excellence, integrity,
teamwork, professionalism and performance are valued above all else.

Commitment to Shareholders
We are committed to provide our shareholders with superior
returns over the long term.

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CORPORATE PROFILE

BDO is a full-service universal bank in the Philippines. It provides

a complete array of industry-leading products and services including

Lending (corporate and consumer), Deposit-taking, Foreign Exchange,

Brokering, Trust and Investments, Credit Cards, Corporate Cash

Management and Remittances in the Philippines. Through its local

subsidiaries, the Bank offers Leasing and Financing, Investment

Banking, Private Banking, Rural Banking, Life Insurance, Insurance

Brokerage and Stock Brokerage services.

BDOs institutional strengths and value-added products and

services hold the key to its successful business relationships with

customers. On the front line, its branches remain at the forefront of

setting high standards as a sales and service-oriented, customer focused

1,100 operating branches and over 3,600 ATMs nationwide (including

One Network Bank).

Through selective acquisitions and organic growth, BDO has

positioned itself for increased balance sheet strength and continuing

expansion into new markets. As of 31 December 2016, BDO is the

countrys largest bank in terms of consolidated resources, customer

loans, deposits, assets under management and capital, as well as branch

and ATM network nationwide.

and most successful conglomerates with businesses spanning between

retail, mall operations, property development (residential, commercial,

resorts/hotel), and financial services. Although part of a conglomerate,

BDOs day-to-day operations are handled by a team of professional

strongest Board of Directors composed of professionals with extensive

experience in various fields that include banking, accounting, finance,

law, bank regulations and risk management, strategy formulation and

Awards and Citations

BDO is a recipient of multiple awards from various local and

international award-giving bodies for both institutional and product

excellence. A listing of these awards is detailed on the Banks website

under About BDO - Awards and Citations.

ENVIRONMENTAL,SOCIAL AND GOVERNANCE (ESG)

BDOs corporate governance is anchored on five (5) basic

principles: accountability, fairness, integrity, transparency and

performance. This governance philosophy is deeply rooted in

collective effort of its directors, officers and staff. As such, the

Bank upholds the highest standards of ethical behavior and

responsible conduct of business as it protects the interests of and

creates value for its shareholders.

Corporate Social Responsibility

The Bank carries out its corporate social responsibility (CSR)

promotes initiatives based on the Banks long-standing record of

support to social development. The Banks corporate social

responsibility focuses on its disaster response advocacy that is

achieved through three main interventions, namely, relief,

rehabilitation and reconstruction, particularly in areas affected by

natural or man-made disasters. The Banks CSR projects focus on

the following: relief operations in disaster-stricken provinces;

rehabilitation/reconstruction of rural health centers; construction

of houses in resettlement areas, multi-purpose halls and school

buildings; and support for livelihood projects for families with

disabled members (persons with disabilities).

Also, the BDO Foundation actively promotes volunteerism

among its employees who help out in the Foundations various

activities that include, among others, community building,

livelihood/skills training, fund raising, and environmental/green