Tarlac State University

College of Business and Accountancy

Department of Hospitality Department

BDO Unibank

Patricio, Rosana A.
Business Finance
BSHM- 1C
 BANCO DE ORO
UNIBANK

I. Logo

II. History of BDO

III. Its present Operation

A. Product/ Service line

B. Physical Infrastructures/ Facilities

C. Production/ Distribution Process

D. Organizational Chart

IV. The Income Statement

V. Annual Report
 I. History of Banco De Oro
BDO Unibank began as Acme Savings Bank on January 2, 1968, a thrift bank with just two branches in
the region prior to Metro Manila’s formation. Acme was renamed Banco de Oro Savings and Mortgage
Bank after it was acquired by the SM Group, a group of businesses owned by retail tycoon Henry Sy, in
November 1976.
Banco de Oro Commercial Bank was established as a commercial bank in December 1994. The name of
the bank was changed to Banco de Oro Universal Bank (BDO Unibank) when BDO became a universal
bank in September 1996.
As a bancassurance company, BDO Unibank eventually established a subsidiary known as BDO
Insurance Brokers in 1997 to become involved in insurance services. BDO Unibank formed partnerships
with Zamora Assurance and Assicurazoni Generali s.p.a. in 1999 to expand its insurance services. Jerneh
Asia Berhad, a member of the Kuok Group in Malaysia, and Generali, one of the largest insurance
companies in the world. In March 2000, BDO Unibank joined forces with its insurance subsidiaries,
Generali Pilipinas Insurance Company and Generali Pilipinas Life Assurance Company.
The new BDO Unibank held the ticker image of the old Banco de Oro. 1.3 billion BDO shares was given
in return for 727 million Fair PCI Bank shares, which was de-recorded on June 4, 2007.
On December 27, 2006, the boards of both Banco de Oro Universal Bank and Equitable PCI Bank agreed
to merge, resulting in the establishment of the current bank. The company used to be known as Banco de
Oro-EPCI, Inc. for a while before announcing that it would begin trading under the name Banco de Oro
Unibank, Inc. in February 2007. In the end, in 2010, Banco de Oro changed its name to BDO Unibank,
Inc. Other possible names include BDO Unibank, BDO Unibank, Banco De Oro, and the name that is
frequently referred to as: simply BDO.
With over 1,400 operational branches and more than 4,400 ATMs across the country, BDO will have the
largest distribution network by 2020. It is also currently the largest bank in the country in terms of
consolidated resources, customer loans, deposits, assets under management, capital, and branch and ATM
network nationwide[9]. Major Philippine banks like Metrobank and BPI are BDO Unibank, Inc.’s main
competitors.
 II. Present Operations
A. Product/ Sevice line
BDO is a full-administration widespread bank in the Philippines. It offers everything from corporate and
consumer lending to deposit-taking, foreign exchange, brokerage, trust and investments, credit cards,
retail cash cards, corporate cash management, and remittances in the Philippines, all of which are among
the best in their fields. The Bank provides services in Investment Banking, Private Banking, Leasing and
Finance, Rural Banking, Life Insurance, Insurance Brokerage, and Online and Non-Online Brokerage
through its local subsidiaries.
The key to BDO's successful business relationships with customers is its value-added products and
services as well as its institutional strengths. As a sales- and customer-focused force, its branches remain
at the forefront of setting high standards on the front lines. With over 1,600 operational branches and
offices and more than 4,500 ATMs across the country, the Bank has the largest distribution network.
BDO has 16 international offices in Asia, Europe, North America, and the Middle East, including full-
service branches in Hong Kong and Singapore.
In addition, the Bank provides digital banking solutions to make banking simpler, faster, and safer for its
customers.
BDO has positioned itself for increased balance sheet strength and ongoing expansion into new markets
through organic growth and selective acquisitions. In terms of consolidated resources, customer loans,
deposits, assets under management, capital, and branch and ATM network nationwide as of 30 June 2022,
BDO is the nation's largest bank.
One of the largest and most successful conglomerates in the nation, BDO is a member of the SM Group,
which includes retail, mall operations, residential, commercial, and resort/hotel property development,
and financial services. Even though BDO is a part of a conglomerate, a team of professional bank officers
and managers oversee the company's day-to-day operations. In addition, BDO has a Board of Directors
that ranks among the best in the business and is comprised of professionals who have extensive
experience in a variety of fields, including accounting, business, banking and finance, and law.
B. Physical Infrastructures / Facilities
C. Production/ Distribution Process

The key to BDO’s successful business relationships with customers is its value-added
products and services as well as its institutional strengths.
In addition, the Bank provides digital banking solutions to make banking simpler, faster,
and safer for its customers.
BDO has positioned itself for increased balance sheet strength and ongoing expansion
into new markets through organic growth and selective acquisitions. BDO is the largest
bank in the nation in terms of consolidated resources, customer loans, deposits, assets
under management, capital, and branch and ATM network as of March 31, 2022.
The key to BDO's successful business relationships with customers is its value-added
products and services as well as its institutional strengths. As a sales- and customer-
focused force, its branches remain at the forefront of setting high standards on the front
lines. With over 1,600 operational branches and offices and more than 4,500 ATMs
across the country, the Bank has the largest distribution network. BDO has 16
international offices in Asia, Europe, North America, and the Middle East, including full-
service branches in Hong Kong and Singapore.

BDO Universal Bank will be positioned as a convenience bank that provides extended
banking hours, a Saturday banking experience, and a wide range of innovative financial
products and services. In addition to ShoeMart (SM) tenants and suppliers, the retail
market segment whose banking requirements are based on lifestyle is the company’s
target market. As a result, the creation and expansion of distribution channels to
encourage convenient banking (such as telephone, branch, internet, ATM, convenience
centers, etc.), will be emphasized. BDO will constantly improve its non-traditional
products (such as insurance, remittance, and bill payment), which will be incorporated to
its customary items. The bank will be able to defend its position against non-traditional
financial institutions thanks to this strategy. In a similar vein, BDO’s fee-based strategy
will be enhanced to make up for the decline in the bank’s funds-based income.

Continuous prospecting, referrals, and a depositor-get-depositor campaign will be the

primary focuses of the bank’s promotional efforts. While the fee-based business is being
evaluated, deposit interest rates will not change, but fixed fees will be charged for each
service. Products will be sold through branches, which will be strategically placed to
reach the target market. Additionally, convenience stores and mall branches will be
utilized to help customers associate banking with shopping. They will also be able to
participate in a Saturday banking experience as a result of this. In order to maintain the
convenience concept of being able to bank at any time, anywhere, and in any way, the
business environment will become highly computerized with the development of
technology.
D. Organizational chart

Finance will concentrate on risk management in order to minimize non-performing assets

and maximize returns on its excess funds by investing them on the overnight market,
while the human resources group will concentrate on recruiting highly qualified
professionals to occupy significant positions.

BDO has the following competitive advantage to increase its market share and generate
profits: 1) An expanded distribution channel that includes an electronic and branch
network, cutting-edge products and services, and a nationwide customer call center
(hotline) that will be open 24 hours a day, 7 days a week.

Structure-wise, the corporate planning and marketing support group will continue to be in
charge of product development and packaging, with the support of the branches for
product activity monitoring. Monitoring support systems will also be developed.
Management by Objectives (MBO) will be the management style used at all levels to
teach everyone how important their performance results are. In a similar vein, abilities
will be identified and evaluated to guarantee that everyone performs appropriately. Skills
will include, among others, marketing skills and technical skills.
III. The Income Statement
IV. Annual Report
FORMAT Recommended,

Outlines I and II - -
Font Size 11
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Outlines III and IV - -

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