A pleasant morning to everyone. To Ma’am, good morning.

I am the representative of
the first group and I am here to tackle an example of a non-state institution: a bank, particularly
a local bank.
But before we proceed to the discussion proper, how about we lighten up the mood
through an ice breaker prepared by our party. This game is called Two Truths and A Lie. The
rule of the game is simple: distinguish the lie among the 3 statements. .
For the first round, the statements are:
● BDO UNIBANK merged with Equitable PCI Bank
● BDO’s first name was Banco de Oro Universal Bank
● BDO's current name is Banco de Oro Unibank, INC.
What do you think is the lie? (call someone, preferably yung makakasagot para less
hassle)
Very well! Let's now proceed to round two. Here are the statements:
● Agricultural banks provide medium and long term loans.
● BDO is an example of a local bank in the Philippines.
● Non-state actors are not affiliated with any state or nation.
Which of these statements is a lie? (call again)
Well done. For our last round’s statements we have:
● Institution has 3 branches (legislative, executive, judiciary)
● State institution is an institution that has state functions
● Corporations are authorized to have their own assets.
Can you find out which is the false statement?

Now that we are done with the icebreaker, let’s move on to the discussion. An institution is
defined as an organization, establishment, foundation, society, or the like, devoted to the
promotion of a particular cause or program, especially one of a public, educational, or charitable
character. It has two types: the state and the non-state. As we have discussed, there are
various examples of non-state institutions. One of which is banks. BDO Unibank, the
Philippines’ leading bank in terms of assets, is an ideal example of a non-state institution.

HISTORY
Established on January 2, 1968 as Acme Savings Bank, BDO Unibank Inc. was
acquired by SM Group in 1976. It was 18 years later that it became a commercial bank. In
September 1996 it became a universal bank reaching every continent with 16 international
offices as of today. Through the formation of BDO Insurance Brokers, the bank eventually
became involved in services through insurance.
Because of its numerous partnerships nationwide and globally, BDO has become the
largest distribution network in the Philippines by 2020. Few of its notable alliances are with the
Zamora Assurance and Assicurazioni Generali s.p.a.. As well as the Generali Pilipinas Life
Assurance Company and Equitable PCI Bank.

ACHIEVEMENTS
With its remarkable service to people, Banco De Oro Unibank, Inc.was recognized again
and again locally and abroad.
 In 2018, it was awarded five recognitions by various programs and groups. It was the
Best Bank in the Philippines by Finance Asia and Alpha Southeast Asia. In the same year, it
was considered the best domestic bank by Euromoney’s Asiamoney Best Bank Awards. The
title “Strongest Bank in the Philippines” was given by The Asian Banker Strongest Banks by
Balance Sheet. It was also hailed by The Asset Triple A Country Awards as the Best Domestic
Bank of that year and was later on given the platinum award.

BENEFITS
Staying true to its famous tagline’s essence, BDO offers an assortment of benefits that
anyone can take for granted.
First is food assistance for economically disadvantaged communities. BDO also
participates in community programs such as that of the housing resettlement and school
building projects in Zamboanga and Eastern Samar. In addition to that, the Bank offers donation
of teaching kits to aid in various education dilemmas. BDO has a heart too for people with
disabilities as proved by their foundation’s multi-purpose hall. Its members also receives
benefits in forms of free shopping points in SM, perks, and especial access sales.

OBJECTIVE
With its 54 years of service, BDO Unibank has surely made an impact in the Filipino
Society, in the country and internationally. A testament of their mission and will to be of service
is stated by their objective:
“Our purpose is to help clients meet their financial objectives. Our goal is to
be the best in what we do as individuals and as a firm. Our ideas should be
innovative yet appropriate for our clients' needs. Our executions shall be
seamless.”

Five decades and counting, BDO is the best bank in the country.

BDO, WE FIND WAYS.