August 2021

Investor Presentation
1H21 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 P3.5 Tn.

• 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
Acquired exclusive franchise of Diners Club business
Int’l and full control of Generali Pilipinas Life
(renamed as BDO Life Assurance) P3.4 TN
P3.0 TN
P3.2 TN

Acquired Rural Bank of San Juan’s banking business

Merged with Equitable PCI Bank. P2.7 TN

P2 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 2020
Niche Strategy Commercial Bank ExpansionBank Strategy
Full-Service
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 – 3 Middle East – 1 Asia – 10 Philippines

Remittance Offices 1 Remittance Office Representative Office 2 Full-service Branches 1,490 Branches & Offices[1]
2 Representative Offices 5 Remittance Offices 4,400+ATMs
3 Representative Offices

Luzon 506

Metro Manila 618

Visayas 168

Mindanao 198
As of 30 Jun 2021

16 International Offices

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)
3,334 2,202
BDO Market Share – 18% BDO Market Share – 23%
2,409 2,374 1,408
2,151
1,191

1,145 1,106 1,004 797

625 571
805 745 718 483 442 417 322

LBP MBT BPI PNB DBP CHIB RCBC UBP SECB BPI MBT LBP PNB CHIB RCBC SECB DBP UBP

Customer Deposits Assets Under Management

(in PHP billions) (in PHP billions)

1,631
2,633
BDO Market Share – 18% BDO Market Share – 38%
2,124
1,739 1,673
849

880 583
848 817
563 519 500 348
213 152 127 77 76 42

LBP MBT BPI DBP PNB CHIB RCBC SECB UBP BPI MBT LBP CHIB PNB RCBC UBP SECB BCOM

Notes:
*
Ranking and market share based on compilation of consolidated published statements of condition (SOC) of U/KBs as of 31 Mar 2021.
Financials prepared by banks under BSP’s SOC requirements differ slightly from reported financials under SEC guidelines due to certain differences in
accounting rules followed by the two authorities. 8
 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.)
BDO Life Assurance Northpine Land, Inc. 11.7%
BDO Leasing and
Finance, Inc. BDO - BDO Remit Company (formerly 20%
87.43%, BDO (Canada) Ltd. 100% Generali Pilipinas Life BDORO Europe Ltd.
Capital – 1.11% (c ) Assurance Co.) BDO- Equimark-NFC 100%
97.0%, BDO Capital- Development Corp.
BDO Remit (Japan) 3.0% 60%
BDO Network Bank Ltd. 100%
(formerly ONB)
84.87% BDO Remit Taal Land, Inc. 33.33%
Armstrong (UK) Ltd. (a) For dissolution
BDO Strategic Securities 80% (formerly CBN (b) Under liquidation
Holdings, Inc. 100% London Ltd.) (c) Sale subject to
BDO Remit 100% Unicorn First regulatory approvals
Limited 100% Properties, Inc. 35% and closing conditions
BDO Finance (a)
CBN Greece
Corporation
S.A. 99.92% (b)
100% ** not yet operational.
Averon Holdings, Inc.
BDO Remit 100%
BDO Remit
BDO Rental, (Macau)Limited
(Ireland)
Inc. 100% 100%
Designated
Activity
BDO Capital & BDO Remit Int’l Company.
BDO Securities Holdings B.V. 100%
Investment
Corporation 96.32%
Corporation
99.88%
99.88% BDO remit
(Spain) (CBN
Remittance
Center S.A.)
99.99%
The Banker Top 1000 World Banks – Tier 1 Capital 2019
Rank Origin Bank USD Million
5800 6000 6200 6400 6600 6800 7000

Norddeutsche
210 6,863
Landesbak

211 Millenium BCP 6,756

212 OTP Bank 6,737

National Bank of
213 6,703
Greece
214 BDO Unibank 6,660

First Commercial
215 6,564
Bank

216 Turkiye Halk Bankasi 6,312

Nanyang Commercial
217 6,307
Bank

218 Hachijuni Bank 6,285

219 Zions Bancorporation 6,285

10
The Banker Top Philippine Banks – Tier 1 Capital 2019
Rank Bank USD Million

1 6,660

2 MBT 5,445

3 BPI 4,936

4 PNB 2,454

5 SECB 2,123

6 CHIB 1,602

7 UBP 1,404

8 RCBC 1,383

Acronyms:
BDO BDO Unibank PNB Philippine National Bank
PI Bank of the Philippine Islands RCBC Rizal Commercial Banking Corp.
CHIB China Banking Corp. SECB Security Bank Corp.
11
MBT Metropolitan Bank & Trust UBP Union Bank of the Philippines
Credit Ratings
Moody’s Fitch
26-Nov-2020 19-Jul-2021
Outlook Stable Negative
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 bb+
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* 4,385,062,615
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 August 9, 2021

13
Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

1H21 P&L
BDO Conso

(PHP bn) 1H21 1H20 YoY%

Interest Income 71.4 80.9 -12%
Interest Expense 6.9 14.5 -52%
Net Interest Income 64.4 66.4 -3%
Non-interest Income 29.7 27.2 9%
Fee Income 16.1 13.4 20%
Insurance Premiums 9.2 7.0 31%
Trading & FX 2.0 4.8 -58%
Others 2.4 1.9 22%
Gross Operating Income 94.1 93.6 1%
Operating Expense 60.9 58.4 4%
Pre-Provision Operating Profit 33.2 35.1 -6%
Provisions 6.8 22.4 -70%
Net Income Before Tax 26.4 12.7 108%
Taxes 4.9 8.5 -42%
Net Income 21.4 4.3 400%
Return on Common Equity 10.8% 2.3% 15
2Q21 Balance Sheet
BDO Conso
(PHP bn) 2Q21 2Q20 YoY%
Resources
Reserve Assets 577.3 571.9 1%

Investment Securities 579.6 423.9 37%

Gross Customer Loans 2,250.9 2,260.8 0%
Investment Properties 15.3 16.7 -8%
Other Assets 39.5 44.6 -11%
Total Resources 3,462.5 3,317.7 4%
Liabilities
Deposits 2,681.2 2,607.4 3%
CASA 2,264.7 2,011.7 13%
Bills Payable/Sub-Debt 204.0 179.3 14%
Insurance Contract Liab. 60.8 50.8 20%
Other Liabilities 103.9 112.8 -8%
Total Liabilities 3,049.8 2,950.3 3%
Total Capital 412.7 367.5 12%
Total Liabilities & Capital 3,462.5 3,317.7 4% 16
 Loan Growth

(%)

16.0
13.6
10.9 10.7
12.0

8.0 11.1 9.6 6.4

9.3
4.0 2.5

2.6 (0.7) (0.4)

- BDO
(0.7)
(4.0) Industry
(4.5) (4.0) *
(8.0)
Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21

a Universal/Commercial Bank (UKB) data

* as of May 2021

17
 Capital Adequacy Ratioa

Parent Conso
16% 15.0% CAR
14.5% 14.3% 14.7%
13.8% 14.2%
14% Tier 2
13.6% 13.9%
13.1% 13.4% 13.2% Tier 1
12% 12.7% CET 1

10%
Min
8% CET1
Ratio
with
6% D-SIB

4Q20 1Q21 2Q21 4Q20 1Q21 2Q21

a Per SOC, BSP

(PHP bn)
Net Income & ROE
60 12.7% 12.8% 15.0%

10.2% 10.7% 10.8%

50 10.0%
44.2 7.6% ROE
40
32.7 Net
5.0%Income
30 26.2 28.1 28.2
21.4 0.0%
20
-5.0%
10

0 -10.0%
2016 2017 2018 2019 2020 1H21
Industry
10.5 10.0 9.3 10.3 6.6 8.0
ROE (%)
18
Income Statement
(PHP bn) 2016 2017 2018* 2019* 2020 1H21
Interest Income 82.0 99.8 129.0 160.6 157.0 71.4
Interest Expense 16.4 18.0 30.7 40.7 23.3 6.9
Net Interest Income 65.6 81.8 98.3 119.9 133.7 64.4
Non-interest Income 41.6 47.2 50.4 60.1 55.2 29.7
Fee Income 22.2 28.9 30.7 35.3 28.6 16.1
Insurance Premiums 8.1 9.9 11.8 14.8 15.0 9.2
Trading & FX 4.8 3.9 2.9 5.2 7.3 2.0
Others 6.5 4.5 5.0 4.9 4.3 2.4
Gross Operating Income 107.2 129.0 148.7 180.0 188.9 94.1
Operating Expenses 70.0 84.9 98.8 114.6 112.6 60.9
Pre-Provision Operating Profit 37.2 44.1 49.9 65.4 76.3 33.2
Provisions 3.8 6.5 6.3 6.2 30.2 6.8
Income bef. Pre-Acquisition 33.4 37.6 43.6 59.2 46.0 26.4
Pre-Acquisition Income (0.4) - - - - -
Taxes 6.8 9.5 11.0 15.0 17.8 4.9
Net Income 26.2 28.1 32.7 44.2 28.2 21.4
Note: * Restated 2018 and 2019 to align with 2020 AFS presentation of netting out BDO Life VUL-related policy reserves in trading line.
19
Balance Sheet
(PHP bn) 2016 2017 2018 2019 2020 2Q21
Resources
Reserve Assets 511.0 509.7 534.4 450.7 532.2 577.3
Investment Securities 269.0 332.9 385.2 435.9 508.8 579.6
Gross Customer Loans 1,482.0 1,754.9 2,020.1 2,208.1 2,263.7 2,250.9
Investment Properties 15.2 18.0 19.8 16.9 15.9 15.3
Other Assets 47.8 52.5 62.8 77.3 54.4 39.5
Total Resources 2,325.0 2,668.1 3,022.2 3,188.9 3,374.9 3,462.5
Liabilities
Deposits 1,905.2 2,121.0 2,420.0 2,485.2 2,610.2 2,681.2
Bills Payable/Sub-debt 110.6 140.5 153.7 177.6 209.7 204.0
Insurance Contract Liab. 20.6 26.0 28.5 42.5 58.4 60.8
Other Liabilities 71.1 82.3 92.0 113.0 103.6 103.9
Total Liabilities 2,107.4 2,369.8 2,694.1 2,818.3 2,981.9 3,049.8
Total Capital 217.6 298.3 328.1 370.6 393.0 412.7
Total Liabilities & Capital 2,325.0 2,668.1 3,022.2 3,188.9 3,374.9 3,462.5

20
Financial Performance Indicators
2016 2017 2018 2019 2020 1H21
Profitability
Return on Ave. Common Equity 12.7% 10.2% 10.7% 12.8% 7.6% 10.8%
Return on Average Assets 1.2% 1.1% 1.1% 1.4% 0.9% 1.3%
Margins and Liquidity
Net Interest Margin (NIM) 3.2% 3.5% 3.6% 4.2% 4.4% 4.1%
Loan to Deposit Ratio 77.8% 82.7% 83.5% 88.8% 86.7% 84.0%
Liquid Assets to Total Assets 33.5% 31.6% 30.4% 27.8% 30.8% 33.4%
Liquidity Coverage Ratio (LCR) 108.4% 127.1% 146.1%
Cost Efficiency
Cost to Income Ratio 65.3% 65.8% 66.4% 63.7% 59.6% 64.8%
Cost to Assets Ratio 3.2% 3.4% 3.5% 3.7% 3.4% 3.7%
Asset Quality
NPL Ratio 1.15% 1.09%a 0.96%a 1.13%a 2.65%a 3.12%a
NPL Cover 144.6% 149.6% 188.7%b 168.5%b 109.5%b 99.9%b
Capital and Leveragec Basel III
CET1 10.6% 12.9% 12.1% 12.6% 13.2% 13.9%
Tier 1 Ratio 10.9% 13.1% 12.3% 12.8% 13.4% 14.1%
Capital Adequacy Ratio (CAR) 12.3% 14.5% 13.7% 14.2% 14.3% 15.0%
Basel III Leverage Ratio (BLR) 10.0% 10.2% 10.5%
aPer BSP Circ. 941
bPer BSP Circ. 1011
cPer SOC, BSP 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 June 2021

Percentage
Name Nationality Shareholdings of
Ownership

SM Investments Corp. Filipino 1,750,930,649 39.93%

PCD Nominee Foreign 1,084,408,997 24.73%
PCD Nominee Filipino 1,052,030,358 23.99%

Multi-Realty Development Corporation Filipino 282,890,230 6.45%

SM Prime Holdings Filipino 90,024,395 2.05%
Sub-Total, Top Shareholders 97.15%
Total Shares Outstanding* 4,384,837,215
Source: Top 100 Shareholders as of 30 June 2021

*Number of shares outstanding subsequently increased to 4,385,062,615 as of August 9,2021 due to the purchase of additional common shares by the
Bank’s eligible senior officers pursuant to the Banks employee stock option/grant program.

23
The SM Group
• Harnessing synergies with the country’s largest conglomerate
• Largest local retail chain with 3,035
stores nationwide (66 The SM Store,
1,530 specialty retail outlets, 59 SM
Retail Supermarkets, 52 SM Hyper-
markets, 213 Savemore, 71
WalterMart, and 1,044 Alfamart).
• 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 - 76 malls in
the Philippines with GFA of 8.7
mn sqm (with 7 more malls in
China).
Access to SM’s customer
network
• Over 17,000 PHL tenants
• More than 9,500 suppliers
• 4.4 million average daily foot
traffic (not including China)
• 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 5 out of 11-member Board

 7 directors have an average of 37 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
Jones M. Castro Jr.
Director — first appointed to the Board in 2012
 Served as Head for South Asia and SEA at Wells Fargo Bank
 MBA Stanford University
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 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
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
26
 Senior Management Team
• With extensive professional banking expertise
Nestor V. Tan
President and CEO
 With BDO since 1997
 Over 39 years of banking
experience

Intermediation Products, Services and Subsidiaries

Walter C. Wassmer Rafael G. Ayuste Jr. Maria Theresa L. Tan
Head — Business Lending Head — Trust and Investments General Manager — BDO Insurance
 With BDO since 1997  With BDO since 2014  With BDO since 2009
 Over 33 years of banking  Over 32 years of banking  25-year banking and insurance
experience experience experience

Rolando C. Tanchanco Renato A. Vergel de Dios

Eduardo V. Francisco President & CEO – BDO Life
Head — Consumer Banking Head — Investment Banking Assurance Co. Inc.
 With BDO since 2004  With BDO since 1999
 With BDO since 2016
 Over 28 years banking  33 years banking experience
 Over 43 years of experience in
experience
insurance

Jaime C. Yu Edwin Romualdo G. Reyes Albert S. Yeo

Head — Branch Banking Head — Transaction Banking President — BDO Private Bank
 With BDO since 1997  With BDO since 2017
 With BDO since 2015
 Over 37 years of banking  Over 35 years banking experience
 Over 33 years banking experience
experience

Dalmacio D. Martin Jesus Antonio S. Itchon

Head — Treasury President — BDO Network Bank
 With BDO since 2009  With BDO since Sep. 15, 2017
 Over 33 years of banking  Over 33 years of banking
experience experience

27
 Senior Management Team
• With extensive professional banking expertise
Corporate Support
Lucy Co Dy
Head — Comptrollership
 With BDO since 1985
 Over 33 years of banking
experience
Alvin C. Go
Head — Legal
 With BDO since 2013
 In the practice of law for 33
years
Frederic Mark S. Gomez
Head — I.T.
 With BDO since 2017
 Over 32 years financial services
experience
Nestor V. Tan
President and CEO
 With BDO since 1997
 Over 39 years of banking
experience
Joseph Albert L. Gotuaco
Head — Central Operations Group
 With BDO since 2019
 Over 32 years of banking
experience
Lazaro Jerome C. Guevarra
COS-OP — Compliance & Legal
 With BDO since 2001
 Over 32 years of banking
experience
Estrellita V. Ong
Head — Internal Audit
 With BDO since 2012
 Over 26 years experience in
audit
Luis S. Reyes Jr.
Head — IR & Corplan
 With BDO since 2003
 Over 42 years of banking
experience
Evelyn C. Salagubang
Head — HRG Recruitment
 With BDO since 2011
 Over 28 years experience in
HR
Federico P. Tancongco
Head — Compliance
 With BDO since 2005
 Over 27 years of banking
experience
Evelyn L. Villanueva
Head — Risk Management
 With BDO since 2002
 Over 33 years of banking
experience
28
Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

2020 Sustainability Report

Full report can be accessed at BDO 2020 Sustainability Report

UNITED NATIONS SUSTAINABILITY
DEVELOPMENT GOALS
UNITED NATIONS SUSTAINABILITY TRANSLATING GOALS INTO
DEVELOPMENT GOALS ACTIONS

Product Sustainability
Kabuhayan Loan
Zero Collateral
Affordable loans from P30k to P1M
Over 50% MSMEs financed are
women-owned

Sustainability Contribution to
National Economic Goals
UNITED NATIONS SUSTAINABILITY TRANSLATING GOALS INTO
DEVELOPMENT GOALS ACTIONS

Human Capital Sustainability

Disaster Response Sustainability

• 355 Relief Operations
conducted to date
• 100 Rural health units
rehabilitated to date
• 16 School buildings
repaired to date

Governance-Based Sustainability
 BDO Sustainable Energy Finance
(Php bn)
140
119
120 110

100

80
The SEF program financed
renewable energy, energy 60
41
efficiency and green building 40
projects. 18 19
24
20 9 12
4 5
0
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

34
 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
6 , 7th and 10th Asian Excellence
th
Institutional Investor
One of the 15 Recipients of the
Institutional
Investor Governance Awards 2016
ASEAN Corporate Governance
Awardee for fourteen (14)
consecutive years Scorecard
Among the Top 50 Publicly-Listed
Companies 2013-2018

Award

Asian Banking Platinum Award

& Finance (2019-2020)
Corporate Social Responsibility Program
of the Year – Gold (2017-2018)
2019 Asia Corporate Silver Awardee
Excellence Corp Governance Scorecard
BDO Unibank is a and
constituent of the
Sustainability Forbes 2018
FTSE4Good Index
(ACES) Awards GLOBAL 2000
http://www.ftse.com/products/indice
Top Regarded Companies (#140)
s/FTSE4Good Industry Champion of
Top World’s Best Employers (#24)
the Year

Enterprise Asia Asian Banking & Finance Finance Asia

BDO Foundation, Inc.: Asia BDO Foundation: Financial Ranked 2nd in Best Corporate
Responsible Enterprise Awards 2020 Inclusion Initiative of the Year Governance
(AREA 2020) under the Social (2020)
Empowerment category, 2017-2020
35
Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

Awards and Citations, 2016-2021
Best Bank in the Philippines
The Banker The Asset
Bank of the Year, Philippines Best Domestic bank, Philippines
(2016-2020)

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

International Banker Forbes 2021

Best Commercial Bank GLOBAL 2000
(2020) Most Powerful Bank 37
Awards and Citations, 2016-2021
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
Best in Treasury & Working FinanceAsia
Capital – SMEs in the
Philippines FinanceAsia FinanceAsia
The Asset
Euromoney

Global Finance Asiamoney Asiamoney

Asiamoney Best Corporate & Investment
Bank, Philippines – BDO
Asian Private Capital AsianInvestor
Euromoney Banker Global Finance Fund House of the
Year - Philippines
Asian Banking
Project Finance World Finance
& Finance Best Investment Management
Magazine Wealth Management Platform Company
of the Year, Philippines –
BDO Private Bank
 Awards and Citations, 2016-2021
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 Asiamoney Asian Banking Social Media Initiative of
the Year
Best Retail Bank in the Philippines
2016 Cash
Management Poll as
& Finance
Best in Deposit Initiatives voted by Corporates On-line Banking Initiative The Asset
of the Year The Asset
Mortgage Business of the Cash Management –
Year Market Leader in the Best Retail Social-Media Global Finance
The Mortgage Product of the Year
Philippines Reader’s Banking Experience,
Philippines (2015-2018) Best Trade Finance
(2018)
BSP Digest Provider in the
Philippines
Asian Banking Gold Award - Top SILVER – Internet
Commercial Bank that Banking
& Finance Generate the Largest
Overseas Filipino
Automotive Lending Initiative Remittances
of the Year
Outstanding PhilPaSS
Mortgage & Home Loan Participant Servicing
Product of the Year Customer ePayments for
Commercial Banks
Awards and Citations, 2016-2021
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)

Institutional
The Asset Investor
Corporate Corporate
Impact Investor of the Year Award Nestor V. Tan Governance Governance
Best CEO – Emerging Markets
Asset Management Company of
(Philippines) Asia Asia
the Year Teresita T. Sy-Coson
Asiamoney Best IR Company (Philippines)
Asia’s Best CEO Award
Best Wealth Manager, Best Corporate Communications Nestor V. Tan.
Best Managed Company in the
Philippines (2017, 2019-2020) Asia’s Best CEO Award
Philippines – Large Cap
Asiamoney Nestor V. Tan Dalmacio D. Martin.
Asia’s Best CFO Award
Best Executive
Reader’s Digest Luis S. Reyes, Jr.
FinanceAsia Best IR Professionals (Phils)
Among the Most Trusted Brands Among the Best Senior
Among the Best Managed Public Management IR Support
FinanceAsia Companies Corporate
Best CEO – Nestor V. Tan Most Organized Investor
World Finance Relations Governance
Management
Best Investment
Management Company - Association of the Asia
Global Finance Philippines Philippines FinanceAsia 15th Asian ESG
Management Man of Best at Investor Awards 2019
Best FX Provider in the the Year Relations Teresita T. Sy-Coson,
Philippines Teresita T. Sy (2016) Chairperson
Nestor V. Tan (2019) Asian Corporate Director of the
Year
International Banker Nestor V. Tan
Nestor V. Tan President & CEO
Asian Corporate Director of the
Banking CEO of the Year (2019) Year
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
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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
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resulting therefrom. Any opinion/data/forward-looking statements herein reflected may be subject to change by BDO without notice.
Investor Relations & Corplan:

31/F BDO Towers Valero, 8741 Paseo de Roxas, Salcedo Village, Makati City 1226, Philippines

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

Fax: (632) 8 878 4151
Email: irandcorplan@bdo.com.ph
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Other Relevant Links:

BDO 2020 Annual Report

BDO 2020 Annual Report Financial Supplements

BDO 2020 Audited Financial Statements

BDO 2Q21 SEC-17 Q Report

41
Thank you.
www.bdo.com.ph