BDO Unibank Inc.

(BDO) said the banking industry is seen to continue its robust performance this year with continued demand for loans, owing to the strength
of the country’s economy.BDO said the Philippines, with a higher and sustainable growth trajectory, is well-placed to assert its position as one of Asia’s standout
performers this year.“The country is seen to post sustained growth driven by a vibrant consumer base supported by increasing per-capita incomes and favorable
demographic trends,” BDO said in a report.“A subdued inflation environment helped by lower oil prices, as well as renewed public expenditure and infrastructure
spending, is also seen to contribute substantially to the country’s performance,” it added.Luis S. Reyes Jr., BDO senior vicepresident and head of its investor relations
and corporate planning group, earlier said the industry will still register good growth in 2015, as the country’s economic fundamentals remain intact.“For BDO, we
hope to continue growing our businesses, reach out to new markets, offer new products and continue strengthening our franchise in the face of increasing competition,”
he said.Over the past several years, BDO experienced significant growth as a result of organic growth arising from increased market coverage and a wider array
of products and services, as well as through mergers and acquisitions.Sustaining earlier gains, the bank is
currently the largest bank in the Philippines in terms of assets, loans, deposits and trust assets as of the end of the fourth quarter of 2014.BDO’s market shares of
the commercial banking sector are as follows: assets, 17 percent; assets under management (trust), 32 percent; customer loans, 21 percent; and deposits,18 percent.This
year, the banks’ core operations are expected to drive profitability through intermediation, as well as fee-based activities. Amid
thisenvironment,the bank aims to improve its financial performance by providing better and more accessible banking services to the public.BDO reported a net
income of P22.8 billion for the year 2014. Total resources rose 11 percent year-on-year to P1.9 trillion owing to an expansion in customer receivables.BDO has one
of the largest branch networks, with 875 operating domestic branches, one branch in Hong Kong and 2,591 automated teller machines and 61 cash accept machines as
of end-December 2014.

https://businessmirror.com.ph/2015/04/18/banking-industry-owes-robust-growth-to-strong-economy-bdo/

The BDOUB Code of Conduct (“Code”) outlines the

principles and policies that govern the activities of the
institution, and to which all directors, officers and
employees and those that work for the institution, its
subsidiaries and affiliates, should read and follow.These
principles and policies reflect the values the institution
subscribes to and promotes.The implementing rules and
administrative details are left to Management to issue and
enforce.

Responsibilities To BDOUB

Covered individuals or parties are responsible for

maintaining ethical standards including accounting
controls.They are expected to comply fully with appropriate
laws and regulations, as well as with the internal standards
or policies and procedures.They are not to use the
institution’s name improperly nor to misrepresent it for
personal gains or advantage.All covered individuals shall
not deliberately mislead customers, the public or other
colleagues by making false or misleading statements or by
withholding information.Anybody who becomes aware of
any violations of law, regulations or policies should report
his suspicions to his superiors or to any of the designated
office or individuals.The institution's assets (physical,
financial or intellectual) may be used only for proper
purposes.

Responsibilities for the Workplace

The institution is committed to fair employment practices

and a work place free from discrimination, harassment
(including sexual harassment) or intimidation of
employees.The institution is committed to a workplace free
from drug use or sale.The institution is committed to the
safety of the employees and others in its premises.

https://www.bdo.com.ph/corporate-governance/code-of-
conduct-policies
 WWF-Philippines, a member of the World Wide Fund for Nature (WWF), the world’s largest
conservation organization, has recently awarded BDO Unibank the coveted Corporate Partner of the
Year for its invaluable support to their various programs using its ATM network as key
channel.With the Bank’s more than 2,800 ATMs positioned all over the country, it is able to
encourage clients to donate P5 for every transaction to WWF.This has allowed BDO to support the
organization’s various programs since 2010 such as the Bancas for the Philippines, Earth Hour,
environmental education, sustainable fisheries in Ilocos and Palawan, marine conservation and
research in the Tubbataha Reefs, agroforestry in the Sierra Madre, whale shark ecotourism in
Donsol, sustainable tourism in the fabled Ticao Pass in Masbate, and the Tamaraw Conservation
Program in Mindoro.

https://www.bdo.com.ph/news-and-articles/wwf-ph-cites-bdo-environmental-leadership-award

The Philippine economy is expected to keep a steady growth even during the election year with rising consumer demand as
main driver for its progress. This was the assessment by BDO Unibank chief investment officer for trust and investments group
Frederico Rafael D. Ocampo, who spoke before the delegates of the Harvard Project for Asian and International Relations
(HPAIR) Asia Conference Manila 2015 held at the Makati Shangri-La. HPAIR, Harvard's largest annual student connection in
Asia, brought together 500 delegates from 45 countries to a discussion of the most important economic, political, and social
issues relevant to the Asia-Pacific region. "The Philippine economy remains resilient. Consumer demand is a consistent driver of
the economy, supported by BPO and OFW growth," Ocampo shared. "While the growth of BPO in the country creates relatively
high-paying jobs, opportunities are likewise seen in the tourism, entertainment, and technology industries," he added.BDO
Capital & Investment Corp. president Eduardo V. Francisco, in another panel discussion, echoed Ocampo's view of the
Philippine economic expansion saying, "Investors see the upside in the Philippines because of consistency in the country's
growth". Asked by a student delegate about where best to invest in the Philippines, he said, "Infrastructure. Here, the need is
more."The HPAIR Asia Conference 2015, themed "Confronting Asia's Development Challenges through Innovation," is hosted
by De La Salle University in partnership with BDO Unibank, Inc. As compared to previous conferences, the forum in Manila
was more focused on development issues and Southeast Asia. "We tackled issues such as sustainability, social entrepreneurship,
and healthcare disparities. Our main takeaway message was that young leaders need to have a heightened sense of urgency
around these most crucial development issues," said Artur Meller, Executive Director, HPAIR Asia Conference 2015.

https://www.bdo.com.ph/news-and-articles/bdo-execs-ph-growth-and-prospects-hpair-asia-conference

BDO’s Technology and Media Team BDO Foundation was founded in 2008 as the corporate
social responsibility arm of BDO Unibank, the largest bank
Like the businesses we work with, the key to our success is putting the in the country.A non-stock, non-profit organization, the
client’s experience at the heart of what do and what we deliver. It takes foundation develops and implements programs to address
personality and insight to understand what a client needs and to deliver that the needs of the underserved and contribute to addressing
effectively. The technology, and in our case the technical knowledge, is a social problems. It also serves as the channel for BDO’s
means to achieving that superior experience rather than an end in itself. outreach and giving back initiatives.We are an active
Innovation and an entrepreneurial mindset are what drives us to deliver the member of the NGO community. BDO Foundation is duly
ideas and insights that make a difference to our clients.Our team of 250 accredited by the Department of Social Welfare and
partners and staff are based in BDO’s 18 offices across the UK. This means Development (DSWD), Bureau of Internal Revenue (BIR)
that we are able to indulge our passion for really getting close to the and Philippine Council for NGO Certification (PCNC). We
businesses we are helping to succeed. We like to build the lasting are also a member of the Association of Foundations (AF)
relationships that deliver better results and better experiences.We work the and League of Corporate Foundations (LCF).Recognition
way our clients do. In technology and media, this means working from these agencies and organizations is significant as it
internationally. The BDO International network spans 162 countries and affirms the foundation’s status as a non-profit organization
every major financial and commercial centre around the globe. As your that meets standards of good governance, program relevance
business reaches ever more consumers and clients across international and effectiveness, sound financial management, credibility,
markets, we will make sure you stay on the right side of regulations and tax transparency and accountability. The accreditation and
efficiency.As one of the largest accountancy and business advisory firms in recognition also pave the way for greater collaboration
the UK and the world, we have the experience and knowledge to deal with between the foundation, donors and government agencies. It
every challenge and opportunity that you may have. Whether it is audit, tax, enables us to do our work more effectively.
advisory or outsourcing, we have the expertise in our network of passionate
and dedicated people. https://www.bdo.com.ph/corporate-governance/corporate-
social-responsibility
https://www.bdo.co.uk/en-gb/industries/technology-and-media