January 2020

Investor Presentation
9M19 Results
Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

 About BDO

• The Philippines’ largest bank with total

assets of P3.1 Tn (USD59.8 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.

3
Milestones
• Expansion through organic growth and M&As
Acquired RB
Pandi banking
Joint Venture with Nomura Securities; Acquired business
exclusive franchise of Diners Club Int’l and full
control of Generali Pilipinas Life (renamed as
BDO Life Assurance) P3.0 TN

Acquired Rural Bank of San Juan’s banking business

Merged with Equitable PCI Bank. P2 TN P2.7 TN

Acquired Amex Savings Bank Philippines
P1.9 TN P2.3 TN
Acquired 1st e-Bank’s
banking business Acquired One Network Bank
P862 BN
(rebranded as BDO Network Bank)
Merged with Dao Heng P802 BN
P1.2 TN
Bank Philippines Acquired Citibank Savings, DB
P234 BN Trust and Real Bank
KB license P149 BN
P617 BN Acquired GE Money Bank
Est. as Acme P36 BN
Savings Bank P121 BN Acquired UOB Philippines’ branch banking business
P77 BN
Acquired Banco Santander Philippines
Assets U/KB license
P13 BN
Acquired by SM Group

1967 1976 1994 1996 2001 2002 2003 2005 2007 2008 2009 2012 2014 2015 2016 2017 2018 2019
Commercial Bank Expansion
Niche Strategy Full-Service Bank Strategy
Ranking #19 #17 #13 #9 #9 #5 #2 #1 4
Full Service Bank
• Complete range of financial products and services

Corporate &
Leasing & Consumer Rural Branch Treasury
Institutional
Finance Banking Banking Banking Services
Banking
 Corporate and  Direct lease,  Auto  Salary loans  Deposit &  Fixed income
middle market sale and  Mortgage  MSME loans related products dealership
lending leaseback  Over-the-  Foreign
 Credit cards  Deposit
 Trade finance arrangements counter exchange
 Installment  Personal loans products
 Specialized  Cash
transactions transactions
lending paper  Merchant
 Cross-selling  Portfolio
purchases payment management
 Financial processing  Remittances
distribution management
Institutions  Receivable platform  Liquidity
discounting
 Cross-border and factoring
management
financing

Trust Private Investment Stock Transaction

Insurance
Banking Banking Banking Brokerage Banking
 Investment  Wealth advisory  Underwriting &  Equities trading  Brokerage  Cash
management  Customized distribution of  Online stock (property & management
 Unit investment portfolio fixed income &e trading casualty)  Electronic
trust funds management quity  Bancassurance banking
 Living trusts securities (individual &  ATMs
 Retirement  Fin’l advisory group life
 Prepaid cards
insurance)
funds  Project finance  Merchant
 Special trusts /  Loan acquiring
custodianship syndication  Remittances
5
Market Reach
• Wide and extensive coverage in key areas

North
America - 2 Europe - 8 Asia - 12
Remittance Offices Remittance Offices 2 Full-service Branches
7 Remittance Offices
3 Representative Offices

Middle East - 1
Representative Office

Philippines - 1,434
Branches & Offices

BDO
BDO Network Total
(ONB)
Luzon 355 110 465
Metro
23 International Offices Manila
611 14 625
Visayas 122 35 157
Mindanao 83 104 187
Total 1,171 263 1,434

As of 17 December 2019 6
Business Franchise
• Market-leading positions in almost all business lines

#1 #1 #1
#1 #1
Customer Assets Under Credit
Deposits Remittances
Loans Management Cards1

Leading Trade Major Player in

Services Provider2 Cash Management3

#1 #1 #1 #3
Investment Private Rural #1 Insurance
Leasing &
Banking4 Banking Banking Brokerage5
Finance

Notes:
1 In terms of cardholder base, merchant acquiring gross billings, and credit card receivables
2 According to Asian Banking and Finance, Global Finance
3 According to Alpha South East Asia, Asian Banking and Finance, The Asset
4 In terms of debt and equity capital markets corporate issuances, excluding banks’ stock rights offers 7
5 Among insurance brokers in terms of premiums produced and commissions earned
Industry Ranking
• No. 1 among Philippine banks
Total Assets Gross Customer Loans
(in PHP billions) (in PHP billions)

BDO Market Share – 18% BDO Market Share – 21%

Customer Deposits Assets Under Management

2,408 (in PHP billions) (in PHP billions)

BDO Market Share – 19% BDO Market Share – 36%

1,742
1,622 1,578

822 778
503 487 424 418

LBP BPI MBT PNB CHIB DBP SECB RCBC UBP

Source: Company data, consolidated statements of condition (SOC). Ranking as at 30 September 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 8
authorities.
 Organizational Structure
• With equity investments in allied and non-allied enterprises
BDO Unibank, Inc.

BANKING / FINANCE REMITTANCES INSURANCE PROPERTY OTHERS

BDO Private Bank, BDO Remit (USA), BDO Insurance SM Keppel Land, Inc. NLEX Corp. (formerly
Inc. 100% Inc. 100% Brokers, Inc. 100% 50% Manila North
Tollways Corp.)
Express Padala BDO Life Assurance Northpine Land, Inc. 11.7%
BDO Leasing and
Finance, Inc. BDO - (HK) Ltd. 100% Company (formerly 20%
BDO Rental,
87.43%, BDO Generali Pilipinas Life BDORO Europe Ltd.
Inc. 100% BDO Remit
Capital – 1.11% Assurance Co.) BDO- Equimark-NFC 100%
(Canada) Ltd. 100% 97.0%, BDO Capital- Development Corp.
3.0% 60%
BDO Network Bank
(formerly ONB) BDO Remit (Japan)
84.87% Ltd. 100% BDO Remit Taal Land, Inc. 33.33%
(UK) Ltd.
BDO Strategic (formerly CBN
Holdings, Inc. 100% London Ltd.)
BDO Remit 100% Unicorn First
Limited 100% Properties, Inc. 35%
BDO Nomura Armstrong (a) (a) For dissolution
Securities, Inc. 51% CBN Greece
Securities 80% (b) Under liquidation
S.A. 99.92% (b)
Averon Holdings, Inc.
BDO Capital & BDO Remit 100%
BDO Securities BDO Remit
Investment (Macau)Limited
Corporation (Ireland) ** not yet operational.
Corporation 100%
100% Designated
99.8760% Activity Stockholders of BDO
BDO Remit Int’l Company. Financial Allied Subsidiary
Holdings B.V. 100% Financial Allied Affiliate
96.32% Non-Financial Allied Subsidiary
Non-Allied Undertaking
BDO remit Subsidiary/Affiliates of BDO
(Spain) (CBN Subsidiaries
Remittance Non-Financial Allied Affiliate
Center S.A.)
99.99% 9
The Banker Top 1000 World Banks – Tier 1 Capital 2018
Rank Origin Bank USD Million

224 Turkiye Halk Bankasi 5,508

225 Raymond James 5,499

226 Kyushu Financial Group 5,400

227 Bank of Zhengzhou 5,391

228
BDO Unibank 5,342

229 Bank Nederlandse Gemeenten 5,303

230
Iyo Bank 5,281
231
Mashreqbank 5,281
232
Ban Pekao 5,265
233
Bank of India 5,25710
The Banker Top Philippine Banks – Tier 1 Capital 2018
Rank Bank USD Million
0 1000 2000 3000 4000 5000 6000

1 5,342

2 MBT 4,700

3 BPI 4,414

4 LBP 2,037

5 1,916
SECB

6 1,890
PNB

7 CHIB 1,408

8 RCBC 1,281

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.
11
LBP Land Bank of the Philippines SECB Security Bank Corp.
Credit Ratings
Moody’s Fitch
7-Aug-2019 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 Sheet
Stock Details

Type Common Shares

Stock Ticker BDO
ISIN PHY077751022
Exchange Philippine Stock Exchange
Par Value P10.00
Outstanding No. of Shares* 4,381,254,334
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 December 23, 2019

13
Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

9M19 P&L
BDO Conso

(in PHP billion) 9M19 9M18 YoY%

Interest Income 120.2 92.6 30%
Interest Expense 31.8 21.0 51%
Net Interest Income 88.5 71.5 24%
Non-interest Income 44.1 35.7 23%
Fee Income 25.4 22.2 14%
Insurance Premiums 10.8 8.7 23%
Trading & FX 4.3 1.0 344%
Others 3.6 3.8 -5%
Gross Operating Income 132.6 107.3 24%
Operating Expense 85.8 71.7 20%
Ins. Reserves, Benefits and Claims 8.1 5.0 61%
Pre-Provision Operating Profit 46.7 35.5 32%
Provisions 4.2 5.5 -23%
Net Income Before Tax 42.5 30.0 42%
Taxes 10.4 8.6 21%
Net Income 32.1 21.5 49%
Return on Common Equity 12.5% 9.5% - 15
3Q19 Balance Sheet
BDO Conso

(in PHP billion) 3Q19 3Q18 YoY%

Resources
Reserve Assets 504.5 527.2 -4%
Investment Securities 441.3 368.4 20%
Gross Customer Loans 2,071.3 1,959.4 6%
Investment Properties 17.9 18.9 -6%
Other Assets 57.2 47.8 20%
Total Resources 3,092.2 2,921.7 6%
Liabilities
Deposits 2,409.0 2,345.9 3%
CASA 1,744.8 1,641.6 6%
Bills Payable/Sub-Debt 178.4 148.3 20%
Insurance Contract Liab. 38.4 25.8 49%
Other Liabilities 102.4 89.9 14%
Total Liabilities 2,728.1 2,609.9 5%
Total Capital 364.0 311.8 17%
Total Liabilities & Capital 3,092.2 2,921.7 6% 16
 BDO Loan Growth vs. Industry

BDO Loan Growth vs. Interest Income Growth

Loan growth negated by

Good volume growth with stable yields 17
declining rates
 Capital Ratiosa
Parent Conso
16%
14.6% CAR
14.2% 14.0% 14.2%
13.6% 13.9% 13.7% Tier 2
14% 13.3%
Tier 1
13.1% CET 1
12% 12.6% 12.4% 12.6%
12.2% 12.1% Min CET1 ratio w/ DSIB:
11.7% 11.9% 11.0% in 1Q-3Q19
10.5% starting 4Q19
10% 10.2% in 2018
*CCyB at 0%

8%
4Q18 1Q19 2Q19 3Q19 4Q18 1Q19 2Q19 3Q19
a Per SOC, BSP
C
(in P bn) Net Income & ROE
14.3% 13.6% 13.6%
50 12.7% 12.5% 15.0% ROCE

10.2% 10.7%
40 10.0%
32.7 Net Income

26.2 28.1
30 25.0 5.0%
22.6 22.8
20 0.0%
32.1
21.5
10 (9M18)
-5.0%

0 -10.0%

2013 2014 2015 2016 2017 2018 9M19

Industry
ROEb
13.7% 11.0% 9.8% 10.5% 10.0% 9.3% 10.4%
bUKBs
18
C9M19 ROCE annualized basis
Income Statement
(in PHP billion) 2013 2014 2015 2016 2017 2018 9M19
Interest Income 56.6 63.6 72.1 82.0 99.8 129.1 120.2
Interest Expense 13.4 12.4 15.2 16.4 18.0 30.7 31.8
Net Interest Income 43.2 51.2 57.0 65.6 81.8 98.3 88.5
Non-interest Income 31.8 29.5 31.8 41.6 47.2 49.7 44.1
Fee Income 15.5 18.0 19.4 22.2 28.9 30.7 25.4
Insurance Premiums - - - 8.1 9.9 11.8 10.8
Trading & FX 12.8 7.1 7.2 4.8 3.9 2.2 4.3
Others 3.6 4.4 5.3 6.5 4.5 5.0 3.6
Gross Operating Income 75.0 80.7 88.8 107.2 129.0 148.0 132.6
Operating Expenses 43.3 48.5 55.1 70.0 84.9 98.0 85.8
Ins. Reserves, Benefits and Claims - - - 5.7 7.5 7.5 8.1
Pre-Provision Operating Profit 31.8 32.2 33.7 37.2 44.1 49.9 46.7
Provisions 7.0 5.1 3.0 3.8 6.5 6.3 4.2
Income bef. Pre-Acquisition 24.8 27.1 30.7 33.4 37.6 43.6 42.5
Pre-Acquisition Income - - - (0.4) - - -
Taxes 2.1 4.2 5.7 6.8 9.5 11.0 10.4
Net Income 22.6 22.8 25.0 26.2 28.1 32.7 32.1

19
Balance Sheet
(in PHP billion) 2013 2014 2015 2016 2017 2018 3Q19
Resources
Reserve Assets 491.5 488.4 461.7 511.0 509.7 534.4 504.5
Investment Securities 227.9 221.5 225.8 269.0 332.9 385.2 441.3
Gross Customer Loans 911.5 1,089.4 1,279.4 1,482.0 1,754.9 2,020.1 2,071.3
Investment Properties 10.4 13.9 14.6 15.2 18.0 19.8 17.9
Other Assets 31.5 50.5 49.9 47.8 52.5 62.8 57.2
Total Resources 1,672.8 1,863.6 2,031.3 2,325.0 2,668.1 3,022.2 3,092.2
Liabilities
Deposits 1,345.3 1,492.3 1,663.9 1,905.2 2,121.0 2,420.0 2,409.0
Bills Payable/Sub-debt 97.3 110.4 107.6 110.6 140.5 153.7 178.4
Insurance Contract Liab. - - - 20.6 26.0 28.5 38.4
Other Liabilities 65.8 81.3 60.2 71.1 82.3 92.0 102.4
Total Liabilities 1,508.4 1,684.0 1,831.6 2,107.4 2,369.8 2,694.1 2,728.1
Total Capital 164.4 179.7 199.6 217.6 298.3 328.1 364.0
Total Liabilities & Capital 1,672.8 1,863.6 2,031.3 2,325.0 2,668.1 3,022.2 3,092.2

20
Financial Performance Indicators
2013 2014 2015 2016 2017 2018 9M19
Profitability
Return on Ave. Common Equity 14.3% 13.6% 13.6% 12.7% 10.2% 10.7% 12.5%a
Return on Average Assets 1.6% 1.3% 1.3% 1.2% 1.1% 1.1% 1.4%a
Margins and Liquidity
Net Interest Margin (NIM) 3.3% 3.2% 3.2% 3.2% 3.5% 3.6% 4.1%a
Loan to Deposit Ratio 67.8% 73.0% 76.9% 77.8% 82.7% 83.5% 86.0%
Liquid Assets to Total Assets 43.0% 38.1% 33.8% 33.5% 31.6% 30.4% 30.6%
Cost Efficiency
Cost to Income Ratio 57.7% 60.1% 62.1% 65.3% 65.8% 66.3% 64.7%
a
Cost to Assets Ratio 3.0% 2.7% 2.8% 3.2% 3.4% 3.4% 3.7%
Asset Quality
NPL Ratio 1.6% 1.3% 1.2% 1.3% 1.2% 1.0% 1.2%
c c
NPL Cover 170.7% 188.4% 166.1% 139.3% 146.3% 183.1% 168.2%
Capital and Leverage b Basel II Basel III
CET1 .0% 12.4% 11.3% 10.6% 12.9% 12.1% 12.6%
Tier 1 Ratio 14.6% 12.8% 11.7% 10.9% 13.1% 12.3% 12.9%
Capital Adequacy Ratio (CAR) 15.8% 14.6% 13.3% 12.3% 14.5% 13.7% 14.2%
a
Annualized 6 7 8 9 10 11 12
b
Per SOC, BSP
c
Per BSP Circ. 1011
21
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 30 September 2019

Percentage
Name Nationality Shareholdings of
Ownership

SM Investments Corp. Filipino 1,750,930,649 39.98%

PCD Nominee Foreign 1,276,594,804 29.15%
PCD Nominee Filipino 859,695,144 19.56%

Multi-Realty Development Corporation Filipino 282,890,230 6.46%

SM Prime Holdings Filipino 90,024,395 2.06%
Sub-Total, Top Shareholders 97.21%
Total Shares Outstanding* 4,379,994,374
Source: Top 100 Shareholders as of 30 September 2019

*Number of chares outstanding subsequently increased to 4,381,254,334 as of December 23, 2019 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.

23
The SM Group
• Harnessing synergies with the country’s largest conglomerate
• Largest local retail chain with 1,052
stores nationwide
Retail • Increased presence in discretionary
retail with 1,548 outlets
• Biggest domestic banking
Financial operations
Services • Interests in BDO and China Bank
• One of the leading property
developers in South East Asia with
strong presence in lifestyle mall
operations and residential
developments
Property
• Dominant domestic mall
developer/operator - 74 malls in
the Philippines with GFA of 9.7
mn sqm (with 7 more malls in
China).
Access to SM’s customer
network
• Over 18,500 PHL tenants
• More than 9,500 suppliers
• 4.4 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
24
Board of Directors
• 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

 7 directors have an average of 35 years of banking

Experienced
Bankers 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

Legal Experts law firms in the Philippines while another is a bar topnotcher
and member of the New York State Bar

Successful  2 directors are successful businesspersons who have made

Entrepreneurs their mark in their respective fields

25
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
 Vice Chairperson of SMIC and Director of other SM Group
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
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
Christopher 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
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
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
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
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 Center
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
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
26
Senior Management Team
• With extensive professional banking expertise
Nestor V. Tan
President and CEO
 With BDO since 1997
 Over 38 years of banking experience

Intermediation Products, Services and Subsidiaries

Walter C. Wassmer Rafael G. Ayuste Jr. Roberto E. Lapid
Head — Institutional Banking Head — Trust and Investments President — BDO Leasing and Finance
 With BDO since 1997  With BDO since 2014  With BDOLF since 1993
 Over 31 years of banking experience  Over 30 years of banking experience  Over 35 years of banking experience

Rolando C. Tanchanco Eduardo V. Francisco Maria Theresa L. Tan

Head — Consumer Banking President — BDO Capital & Investment General Manager — BDO Insurance Brokers
 With BDO since 2004  With BDO since 1999  With BDO since 2009
 Over 26 years of banking experience  Over 31 years of banking experience  Over 23 years banking and insurance experience

Jaime C. Yu Edwin Romualdo G. Reyes Renato Vergel de Dios

Head — Branch Banking Head — Transaction Banking President & CEO – BDO Life Assurance
 With BDO since 1997  With BDO since 2015  With BDO since 2016
 Over 35 years of banking experience  Over 31 years banking experience  Over 41 years of insurance experience

Dalmacio D. Martin Jesus Antonio Saldaña Itchon Albert Santiago Yeo

Head — Treasury President, BDO Network Bank President — BDO Private Bank
 With BDO since 2009  With BDO since 2017  With BDO since 2017
 Over 31 years of banking experience  Over 31 years of banking experience  Over 33 years of banking experience

Corporate Support
Laurence S. Antonio Frederic Mark S. Gomez Luis S. Reyes Jr.
Head — HRG Workforce Management Head — I.T. Head — IR & Corplan
 With BDO since 2019  With BDO since 2017  With BDO since 2003
 Over 31 years experience in HR  Over 30 years of financial and I.T. experience  Over 40 years of banking experience

Lucy Co Dy Joseph Albert L. Gotuaco Evelyn C. Salagubang

Head — Comptrollership Head — Central Operations Group Head — HRG Recruitment
 With BDO since 1985  With BDO since 2019  With BDO since 2007
 Over 31 years of banking experience  Over 30 years of banking experience  Over 26 years experience in HR

Maria Cecilia G. Fonacier Ricardo V. Martin Evelyn L. Villanueva

Head — Marketing Communications COS-OP, Head — Compliance and Legal Head — Risk Management
 With BDO since 2017  With BDO since 2007  With BDO since 2002
 Over 25 years of banking experience  Over 37 years banking experience  Over 31 years of banking experience

Estrellita V. Ong
Head — Internal Audit
 With BDO since 2011
 Over 24 years experience in audit

27
*COS-Chief of Staff, OP-Office of the President
Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

Sustainability Report for 2018
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

Full report can be accessed at: www.bdo.com.ph under Company Disclosures: Click
https://www.bdo.com.ph/sites/default/files/pdf/2018-BDO-Sustainability-Report.pdf here

29
BDO’s Path in Creating Shared Value
In Support of the UN Sustainable Development Goals
Sustainability Philosophy
We seek to achieve strategic resilience
by incorporating sustainability in the
way we do business.

We aim to embed sustainability

principles when making decisions,
assessing relationships, and creating
products.

BDO’s commitment to sustainability is

fostered at the Board level. It anchors
its sustainable development strategy to
the United Nations Sustainable
Development Goals (SDGs). The Bank
also upholds the 10 Principles of the
United Nations Global Compact.

32
Sustainability Framework

33
 ESG Recognition / Awards
Corporate Governance Asia
Teresita T. Sy-Coson
Asian Corporate Director
Award
Among the Best Companies in the
Philippines in CSR and Environmental
Responsibility
Among the recipients of the
6th and 7th Asian Excellence
Award
Institutional Investor
One of the 15 Recipients of the
Institutional
Investor Governance Awards 2016
ASEAN Corporate Governance
Scorecard
Awardee for fourteen (14)
consecutive years Among the Top 50 Publicly-Listed
Companies 2013-2018

Asian Banking
& Finance
Corporate Social Responsibility Program Platinum
of the Year – Gold (2017-2018) Award Silver Awardee
Corp Governance Scorecard

BDO Unibank is a 2019 Asia Corporate Forbes 2018

constituent of the Excellence GLOBAL 2000
FTSE4Good Index and Top Regarded Companies (#140)
Top World’s Best Employers (#24)
http://www.ftse.com/products/indice
Sustainability
s/FTSE4Good
(ACES) Awards
Industry Champion of
the Year
34
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

The Banker The Asset

Bank of the Year, Philippines Best Domestic bank, Philippines
(2014-2018)

Euromoney Asiamoney

FinanceAsia Global Finance

Charlton East Coles The Asian Banker

Philippine Bank of the Strongest Bank, Philippines
Year 2016 (2018-2019)
Top 15, Philippine Company of
the Year 2016 36
Awards and Citations, 2014-2019
Best Retail & Best Project Best
Best Best Best
Best Best Project Best
Wholesale Finance Private
Private Investment Debt/Equity,
Wholesale Finance Investment
Bank Bank Bank
Bank Bank M&A
Bank Bank/Deals Bank/Deals
House

The Asset
The Asset The Asset The Asset The Asset
Best in Treasury & Working FinanceAsia
Capital – SMEs in the
Philippines Asiamoney FinanceAsia FinanceAsia
Euromoney
Euromoney Global Finance Asiamoney Asiamoney

Project Finance Asian Private Global Finance AsianInvestor

Magazine Banker Fund House of the
Year - Philippines
World Finance
Best Investment Management
Company
 Awards and Citations, 2014-2019
Best Best
Bestin Best Best Best
Best Best in Best in Social Best
FX Bank/ in Cash
Fund
Mgt. & in Trade FX Bank/ in Internet
Retail Bank Internet Media in Trade
Provider Management
Transaction Finance Provider Banking
Banking Initiatives Finance
Banking

The
The Asian Banker
Asian Banker
Asian Banking &
The
Asian Banking
Finance Asian Banker
The & Finance
The Asset
Asian Banker Asian Banking Social Media Initiative of
the Year
Best Retail Bank in the Philippines Asiamoney
2016 Cash & Finance
Management Poll as
Best in Deposit Initiatives
voted by Corporates On-line Banking Initiative
of the Year
The Asset
Mortgage Business of the
Year BSP Best Retail Social-Media The Asset
Banking Experience,
The Mortgage Product of the Year Gold Award - Top Philippines (2015-2018)
(2018) Commercial Bank that
Generate the Largest
Asian Banking Overseas Filipino Global Finance
Remittances
& Finance Outstanding PhilPaSS
Best Trade Finance
Provider in the
Participant Servicing Philippines
Customer ePayments for
Automotive Lending Initiative
Commercial Banks
of the Year
Mortgage & Home Loan
Product of the Year
Awards and Citations, 2014-2019
Best Best in Best Best in
Excellence
Best Best Excellence in Excellence in
FX Bank/ Fund in Trade inInvestor
Internet
FX Bank/ in Fund Leadership & Investor
Provider Management Finance Banking
Relations
Provider Management Management Relations
(Individual Awards)

The Asset Institutional Corporate Corporate

Impact Investor of the Year Award Investor Governance Governance
Asset Management Company of
Nestor V. Tan
Best CEO – Emerging Markets
Asia Asia
the Year (Philippines) Best IR Company (Philippines) Teresita T. Sy-Coson
Asia’s Best CEO Award
Best Wealth Manager, Best Corporate Communications
Philippines (2017) Asiamoney Nestor V. Tan.
Asia’s Best CEO Award
Asiamoney Best Managed Company in the
Philippines – Large Cap
Reader’s Digest Nestor V. Tan
Luis S. Reyes, Jr.
Best IR Professionals (Phils)
Among the Most Trusted Brands Best Executive
Among the Best Senior
Management IR Support
FinanceAsia FinanceAsia Most Organized Investor
World Finance Among the Best Managed Public
Companies
Relations

Best Investment

Global Finance
Management Company -
Philippines Management FinanceAsia
Best FX Provider in the Association of Among the Best at
Investor Relations
Philippines
the Philippines
Management Man of
the Year
Teresita T. Sy (2016)
Nestor V. Tan (2019)
Legal Disclaimer
This presentation and the information contained herein as well as the materials distributed herewith ("Presentation") are the sole and
exclusive property of BDO Unibank, Inc. (“BDO”) and shall only be used for the purpose intended herein. None of the information
contained in this Presentation constitutes a solicitation, offer, opinion, or recommendation by BDO to buy or to sell any securities or
financial instrument or to provide any investment service or investment advice. The information contained in this Presentation is based
on carefully selected sources believed to be reliable but no representation or warranty as to its accuracy or completeness is made. All
statements in this Presentation, other than statements of historical facts, that address activities, events, or developments that BDO
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forward-looking statements. BDO’s actual results or developments may differ materially from those expressed or implied in these
forward-looking statements as a result of various factors and uncertainties, including but not limited to price fluctuations, actual
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or omissions in the Presentation , including but not limited to any quotes or financial data contained therein, nor for any damages
resulting therefrom. Any opinion/data/forward-looking statements herein reflected may be subject to change by BDO without notice.
Investor Relations & Corplan:

4/F South Tower, BDO Corporate Center 7899 Makati Avenue, Makati City 0726, Philippines

Phone: (632) 8 840 7000 (loc. 6069)

Fax: (632) 8 878 4151
Email: irandcorplan@bdo.com.ph
Website: www.bdo.com.ph
Facebook: https://m.facebook.com/BDOUnibank/
YouTube: https://www.youtube.com/user/BDOPhilippines

Other Relevant Links:

BDO 2018 Annual Report
https://www.bdo.com.ph/sites/default/files/pdf/BDO%20Unibank%202018%20Annual%20Report.pdf

BDO 2018 Annual Report Financial Supplements

https://www.bdo.com.ph/sites/default/files/pdf/BDO%20Unibank%202018%20Annual%20Report%20Financial%20Supple
ments.pdf

BDO 3Q19 SEC 17-Q Report 40

https://www.bdo.com.ph/sites/default/files/pdf/quarterly_17q_September%2030%2C%202019.pdf
Thank you.
www.bdo.com.ph