About Us / Investor Relations

Banco De Oro Unibank, Inc.

The product of a merger heralded as unprecedented in size and scale in the Philippine banking industry, Banco De Oro Unibank (BDO) to­day represents a firm consolidation of distinct strengths and advan­tages built over the years by the entities behind its history. More im­portantly, BDO is an institution that does more than honor its past; it continues to improve on its present, and moves with innovation and dynamism toward an even stronger future.

BDO’s reputation as a full-service universal bank remains as formidable as ever. It has the caliber to provide industry-leading corporate, retail, investment banking and insurance services. It maintains its strategic focus on its principal markets, notably the corporate market, the middle-market banking segment – consisting of mid-sized corporations and small and medium-sized enterprises – and the retail/consumer market. Moreover, it has complemented this base with expertise in asset management, leasing and finance, remittances, bancassurance, credit cards, and corporate cash man­agement. Its institutional strengths and value-added products and services hold the key to its successful business relationships with customers. On the front line, branch banking has continuously been setting high standards as a sales and service-oriented, customer-fo­cused force. Through selective acquisitions and organic growth, BDO is positioning for increased strength and continuing expansion into new markets.

AWARDS & RECOGNITION
Part of BDO’s heritage is its performance as recognized by both local and international award-giving bodies. Euromoney, the globally recognized finance publication, named BDO “Best Bank in the Philippines 2008” – a highly coveted award that the Bank attained for the second consecutive year. The Bank has likewise been voted by analysts and investors across Asia-Pacific as among the region’s and the Philippines’ best managed companies in FinanceAsia’s Best Managed Companies 2009 Survey, as well as Wall Street Journal’s Asia’s 200 Most Admired Companies.

Meanwhile, investment banking subsidiary BDO Capital & Invest­ment Corporation continues to reap international recognition. It was awarded “Best Country Deal for the Philippines” in 2009, “Best Do­mestic Debt House” in 2008 and 2009 and “Best Domestic Equity House” in 2008 by Asiamoney; “Best Investment Bank” and “Best Bond House”  in 2008 and 2009 and “Best Equity House” in 2008 by Alpha Southeast Asia; “Best Investment Bank”  in 2008 and 2009, “Best Equity House” in 2009 and “Best Bond House” in 2008 by FinanceAsia; and “Best Investment Bank” and “Best Equity House” in 2008 by The Asset.

For its impressive financial results and its open architecture model approach, BDO’s wholly owned subsidiary, BDO Private Bank, bagged five international awards in 2008 and 2009. It was cited ”Best Local Private Bank” by Euromoney in 2009, “Best Private Bank” by FinanceAsia and “Best Private Wealth Management House” by Alpha Southeast Asia both in 2008 and 2009.

Notable achievements have likewise been reaped by BDO’s Cash Management, having been named “Rising Star Cash Management Bank” in 2009 by The Asset, “Best Cash Management Bank in the Philippines” both in 2008 and 2009 by Alpha Southeast Asia and voted by financial institutions as “Best Local Currency Cash Management Services in the Philippines” in the Asiamoney 2008 Cash Management Poll.  BDO was also named as the Top Commercial Bank on Overseas Filipino Remittances in 2008 by the Bangko Sentral ng Pilipinas.

In recognition of its continuing commitment to the development of Corporate Governance in the region, BDO was chosen as one of the recipients of the Corporate Governance Asia Annual Recog­nition Awards for two consecutive years in 2008 and 2009. Less conspicuous but just as inspiring are the Bank’s efforts in corporate social responsibility. Beyond its business targets for the year, BDO continues to pursue various programs that reflect its vision of a future built on excellence.

Commitment to Customers
We are committed to deliver products and services that surpass customer expectations in value and every aspect of customer services, while remaining to be prudent and trustworthy stewards of their wealth.

Commitment to a Dynamic and Efficient Organization
We are committed to creating an organization that is flexible, responds, to change and encourages innovation and creativity. We are committed to the process of continuous improvement in everything we do.

Commitment to Employees
We are committed to our employees’ growth and development and we will nurture them in an environment where excellence, integrity, teamwork, professionalism and performance are valued above all else.

Commitment to Shareholders
We are committed to provide our shareholders with superior returns over the long term.

CORPORATE MISSION

To be the preferred bank in every market we serve by consistently providing innovative products and flawless delivery of services, proactively reinventing ourselves to meet market demands, creating shareholders value through superior returns, cultivating in our people a sense of pride and ownership, and striving to be always better than what we are today… tomorrow.

BDO Group of Companies

as of June 30 2010

Philippine-based Firms

Armstrong Securities, Inc.  BDO Capital & Investment Corporation  BDO Insurance Brokers, Inc. BDO Leasing & Finance, Inc. BDO Private Bank, Inc. BDO Rental, Inc. BDO Securities Corporation BDO Strategic Holdings Inc. BDO Technology Center, Inc. EBC Strategic Holdings Corporation Equimark-NFC Development Corporation  Equitable Card Network, Inc. GE Money Bank, Inc. PCIB Securities, Inc. Strategic Property Holdings, Inc.

Affiliates

Generali Pilipinas Holdings, Inc. North Pine Land, Inc. SM Keppel Land, Inc. Taal Land, Inc.

Foreign-based Firms

Remittance Offices

BDO Remit (Italia) S.p.A. BDO Remit Limited BDO Remit (USA) Inc. Express Padala Frankfurt GmbH  Express Padala (Hong Kong) Ltd. BDO Remit (Macau) Limited

Representative / Marketing Offices

Paris, France Representative Office Taipei, Taiwan (Republic of China) Representative Office Tel-Aviv, Israel Office

BDO Overseas Offices [June 2010]

	Best Bank in the Philippines 2010 Best Foreign Exchange Bank in the Philippines 2010 Top Bank in the Philippines' Best Managed Companies, 2009 Best Investment Bank - BDO Capital, 2007, 2008, 2009, 2010 Best Equity House - BDO Capital, 2007, 2009, 2010 Best Bond House - BDO Capital, 2007, 2008, 2010 Best Private Bank - BDO Private Bank, 2008, 2009 Among the Best Managed Companies in the Philippines, 2007 Best in Corporate Governance, 2007
	Best Emerging Market Bank in the Philippines, 2010 Best Trade Finance Provider in the Philippines, 2008
	Best Local Private Bank - BDO Private 2009 Best Bank, 2007, 2008
	Achievement Award for Trade Finance, 2010
	Best Equity House - BDO Capital, 2008, 2010 Best Domestic Debt House - BDO Capital, 2008, 2009, 2010 Best Country Deal for the Philippines - BDO Capital, 2009 Best Domestic Currency Bond Deal - BDO Capital, 2009 Best Domestic Provider for Local Currency Products (Structured Currency Prod), 2009 Best Domestic Provider of Foreign Exchange Services, 2007, 2009 Best Local Currency Cash Management Services in RP, 2008
	Rising Star Cash Management Bank, 2009, 2010 Best Wealth Management House, BDO Private, 2009 Best Domestic Investment Bank - BDO Capital, 2006, 2007, 2008, 2009 Best Deal in the Philippines - BDO Capital, 2009 Best Equity House - BDO Capital, 2008 Best Deal in RP (BDO EPCI merger), 2007 Best Project Finance Deal (Privatization of Magat Hydropower) - BDO Capital, 2007
	Best Investment Bank and Best Bond House in the Philippines - BDO Capital, 2007,2008,2009 Best Cash Management Bank in RP, 2008 and 2009 Best Private Wealth Management House - BDO Private Bank, 2008, 2009 Best Debut Bond Deal of the Year in Southeast Asia -BDO Capital, 2009 Best Equity House - BDO Capital, 2008 Best Vanilla Loan Deal in Southeast Asia (Magat Hydropower Privatization)- BDO Capital, 2007
	Among those cited for Excellence in Corporate Governance, 2008, 2009, 2010
	Trusted Brand Gold Winner- Bank Category Trusted Brand Gold Winner - Credit Card Category
	Top Commercial Bank on Overseas Filipinos Remittances, 2009
	Among the region's and the Philippines' Best managed Companies, 2009
	Best Cardholder Promo Award - BDO Credit Cards, 2009
	Recognition Award for Highest Average Credit Card Spend Growth, 2009
	Agent of the year, 2008 Best Collaboration in Brand Building, 2007
	Best Bank in the Philippines 2007

Code of Conduct

Introduction

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.

Conduct Relating to Customers and External Constituencies

The customers, suppliers, competitors or other who deal with the institution and its related enterprises must be treated fairly.

Accepting and giving of gifts, including entertainment services or activities, are not permitted except as may be allowed by strict internal guidelines.

The institution strictly prohibits the acceptance of gratuities,
extraordinary commissions or any form of payment from customers or suppliers in exchange for favorable treatment or considerations.

Publications, speeches, media interviews and advertisements need appropriate internal clearance; this includes lobbying activities in support of any particular legislative proposals.

Due respect to the privacy and confidentiality of dealings with customers shall be strictly observed.

Certain transactions or information shall not be made available to groups or individuals within the institution where there may exist potential conflict on interest, more particularly between credit and investment operations.

Complaints from customers shall be handled with expediency in accordance with internal rules.

The institution will not make political donations that may be
interpreted as an attempt to encourage favorable treatment of the Bank and any of its subsidiaries, affiliates, directors, officers and employees.

Conduct Relating to Investment and Outside Activities

Trading in the institution's and related entities' securities while in possession of material non-public information is not permitted and is considered illegal.

Real and perceived conflict of interest shall be avoided when investing in outside business activities or accepting Directorships.

Queries of complaints from stockholders shall be immediately referred to the designated office or officials.

Observance of Standards of Conduct for Individuals

Certain rules and procedures are enforced as regards the items enumerated below, and deviations from these standards shall be considered in the individuals' performance ratings:

Attendance and punctuality are expected from all concerned
(they not only make effective use of time but also reflect courtesy to others).

Integrity (honesty, professional behavior) is expected to be
observed in all dealings with customers, regulators, co-employees, and the public in general.

Engaging in fraud, directly or indirectly, connivance and
facilitation in committing fraud are totally prohibited.

Decorum must be observed to promote harmony and respect within the organization and in dealing with external constituencies.

Prescribed uniform shall be followed for clear identity and
loyalty; it also promotes the institution's image and values.

Loyalty which is the highest commitment to the interest of the institution is expected from all concerned.

Covered individuals are expected to refrain from moving
business away from the institution or encouraging others to leave the institution, even after the covered individuals' have themselves left the institution.

Office rules on use or custody of electronic facilities and other assets of the institution shall be strictly observed by all concerned.

Sanction, Penalties

The institution reserves the right to impose corresponding
sanctions and/or penalties for violations of the “Code”, which includes dismissal from service without prejudice to further legal, administrative or criminal charges depending on the offense.

Specific Requirements of Law

From time to time, specific laws are implemented which require the special attention and strict observance by all concerned. All concerned, who shall be advised of such requirements, shall ensure their individual responsibilities are complied with.

Some specifics:

     Bank Secrecy Act
     Anti-Money Laundering Act
     Customers Protection Act

(Approved by the Board of Directors per Resolution No.66-2007
dated 24 February 2007)

Corporate Social Responsibility

The Bank established the BDO Foundation Inc. as its corporate social responsibility (CSR) arm and channel for its internal and external outreach program. It aims to respond to the needs of the marginalized sector of society for decent shelter, sustainable livelihood and practical education.

As one of the highlights for the year, it donated land to the City of Taguig valued at P17 million for
site development. Partnering with Gawad Kalinga Foundation Inc., it aims to build the social infrastructure and community for the informal settlers in the area.

BDO Foundation also donated P12 million for the construction of a micro-finance center in Laguna for the CARD MRI (Center for Agriculture and Rural Development- Mutually Reinforcing Institutions) Development Institute. The partnership with CARD-MRI aims to train people on using micro-finance and livelihood skills to help them alleviate poverty and develop the economic potentials of the countryside.

On a smaller scale, it also donated P1.5 million to a school in Cebu for building an audio-visual room.

Recently, the Foundation donated P2.8 million to Gawad Kalinga for the building of 28 homes in Bulacan. The houses will be located in Blocks 4 and 5 of D’Dreamland Ville in Barangay Kaypian, San Jose del Monte City. These form part of a 3.2-hectare property owned by the Makati local government and will be called BDO Foundation-GK Community. The groundbreaking ceremony was held last May to mark the start of the construction.

In a move to integrate its CSR programs in the Bank’s business, it launched the BDO Volunteer Program, generating over six hundred employee sign-ups in its maiden year. The program, which is aligned to BDO’s mission and core values, aims to develop volunteerism as a BDO lifestyle.

The BDO Volunteer Program is divided into four basic activities: BDO Speakers Bureau, for conducting lecture series; BDO Skills Trainers, for facilitating arts and crafts training sessions; BDO Community Builders, for assistance in developing communities, and; BDO Fund Raisers for assistance in fund-raising to support the Foundation’s initiatives.

Ultimately, the Bank through BDO Foundation Inc. aims to be a major catalyst in the creation of opportunities for the under-privileged and in the country’s socio-economic development.

Certificate of Compliance with Manual on Corporate Governance

ROLE AUDIT COMMITTEE

AUDIT COMMITTEE CHARTER

DUTIES AND RESPONSIBILITIES

The Audit Committee (AuditCom) is to act on behalf of the Board the Board of Directors and shall provide oversight of the Bank’s financial reporting and control as well as internal and external audit functions.

¨ Review and assess the bank’s annual audit plan and the process used to develop the plan, status of activities, significant findings, recommendations and management’s response.

¨ Review and assess the bank’s system of internal controls for detecting accounting and reporting financial errors, fraud and defalcations.

¨ Review regular financial reports, regular reports of internal auditors and financial management reports.

¨ Review issues of strategic importance particularly in relation to plans and policies, financial and system controls, methods of operation and the use of human and physical facilities to reveal defects in any of the elements examined and to indicate possible improvements.

¨ Be responsible for the setting up of the internal audit department and for the appointment of the internal auditor as well as the independent external auditor, both of who shall report directly to the AuditCom.

¨ Monitor and evaluate the adequacy and effectiveness of the internal control system.

COMMITTEE MEMBERSHIP

The AuditCom shall be composed of members of the Board of Directors, at least two (2) of whom shall be independent directors, including the Chairman, preferably with accounting, auditing or related financial management expertise or experience.

FREQUENCY OF MEETING

The AuditCom shall meet at least once every quarter.

Annual Report

• 2009 BDO Annual Report
  Description : Building for the Future
• 2009 BDO Annual Report
  Description : Financial Supplement
• 2008 BDO Annual Report
  Description : Thinking Ahead To Get You Ahead
• 2008 BDO Annual Report
  Description : Financial Supplements
• 2007 BDO Annual Report
  Description : Building for the Future
• 2006 BDO Annual Report
  Description : Building for the Future
• 2006 EPCI Annual Report
  Description : Building for the Future  
  

Official Disclosure Archive [View here]

2010 Official Disclosures

• BDO clarification on news articles about acquisition and integration of Export & Industry Bank
  
August 13,  2010
• BDO disclosure of BSP approval in principle of acquisition of assets and assumption of liabilities of Export & Industry Bank
  
August 02,  2010
• BDO cash dividend update and Senior Officer appointments and resignation
  
August 02,  2010
• Clarification on Business Insight Malaya article about the Export & Industry Bank transaction
  
July 21,  2010
• Clarification on article about BSP approval of Export & Industry Bank transaction
  
July 19,  2010
• BDO Total Outstanding Shares as of April 2010 post-Capital Raising
  
July 13,  2010
• BDO clarification on Export and Industry Bank article in Philippine Daily Inquirer
  
July 1, 2010
• Additional update/correction on ownership structure post-IFC/IFC Capitalization Fund Private Placement
  
June 18, 2010
• Performance Report and 2010 Guidance during 2010 Annual Stockholders' Meeting
  
May 31, 2010
• Results of 2010 Annual Stockholders' Meeting and Board Organizational Meeting
  
May 31, 2010
• BDO keeps interest on Export & Industry Bank
  
May 31, 2010
• P0.80/share cash dividend declaration and Senior Officer Retirements
  
May 28, 2010
• BDO 1Q10 results Press Release
  
April 27, 2010
• BDO disclosure on completion of subscription of shares via private placement to IFC, IFC Capitalization (Equity) Fund and foreign institutional investors
  
April 26, 2010
• Philippines: BDO clarification on BusinessWorld article on share sale raising US$270m
  
April 22, 2010
• BDO disclosure on additional information regarding the IFC/IFC Capitalization Fund Investment
  
April 22, 2010
• Philippines: BDO clarification on BusinessWorld article regarding US$250m capital-raising
  
April 20, 2010
• BDO Disclosure on US$250m Capital-Raising via Private Placement with IFC/IFC Capitalization Fund (US$150m) and Institutional Investors (US$100m)
  
April 17, 2010
• BDO Voluntary Trading Suspension due to Finalization of Private Placement
  
April 16, 2010
• BDO clarification on article regarding Asiatrust Development Bank and Export & Industry Bank
  
April 5, 2010
• BDO Notice of Annual Stockholders' Meeting on May 28, 2010
  
March 18, 2010
• BDO Clarification on news article regarding Steel Corp
  
March 11, 2010
• BDO Disclosure on SEC approval of Amended Articles of Incorporation
  
March 11, 2010
• BDO SO Resignation - Sumalpong

February 01, 2010
• BDO clarification on capital raising and 2010 earnings guidance

January 18, 2010
• Clarification on Manila Bulletin article about BDO earning P800 million with rescue of Export & Industry Bank

January 11, 2010
• BDO SO Resignation-Rodriguez Appointment Dee Chung Limson

January 11, 2010
• BDO clarification on article about Export & Industry Bank takeover raising profits by P600 million

January 8, 2010
• BDO update on sale of MVC shares to Tosoh Corp

January 4, 2010

Securities and Exchange Commission Report

2010

• BDO 1st Quarter

2009

• BDO 1st Quarter
• BDO 2nd Quarter
• BDO 3rd Quarter
• BDO 4th Quarter

2008

• BDO 1st Quarter
• BDO 2nd Quarter
• BDO 3rd Quarter
• BDO 4th Quarter

2007

• BDO 1st Quarter
• EPCIB 1st Quarter
• BDO-EPCIB 2nd Quarter
• BDO-EPCIB 3rd Quarter
• BDO 4th Quarter

2006

• BDO 1st Qtr.
• BDO 2nd Qtr.
• BDO 3rd Qtr.
  
• BDO 4th Qtr. 
• EPCIB 1st Qtr.
• EPCIB 2nd Qtr.
• EPCIB 3rd Qtr.
• EPCIB 4th Qtr.

2005

• BDO 1st Qtr.
• BDO 2nd Qtr.
• BDO 3rd Qtr.
• BDO 4th Qtr.
• EPCIB 1st Qtr.
• EPCIB 2nd Qtr.
• EPCIB 3rd Qtr.
• EPCIB 4th Qtr.

• BDO 3rd Quarter
• BDO2nd Qtr.
• BDO1st Qtr.

2008 Reports

• BDO 4th Qtr.
• BDO 3rd Qtr.
• BDO 2nd Qtr.
• BDO 1st Qtr.
• ESB 1st Qtr.

2007 Reports

• Banco de Oro - EPCI 4th Qtr. (w/ESB)
• Banco de Oro - EPCI 3rd Qtr.
• Banco de Oro - EPCI 2nd Qtr.
• Banco de Oro - EPCI 1st Qtr.

2006 Reports

• BDO 1st Qtr.
• BDO 2nd Qtr.
• BDO 3rd Qtr.
• BDO 4th Qtr.
• EPCIB 1st. Qtr.
• EPCIB 2nd Qtr.
• EPCIB 3rd Qtr.
• EPCIB 4th Qtr.

2005 Reports

• BDO 4th
• EPCIB 4th Qtr.

Statements of Condition

2010 Reports

• BDO 2nd Quarter
• BDO 1st Quarter

2009 Reports

• BDO 4th Quarter
• BDO 3rd Quarter
• BDO2nd Qtr.
• BDO1st Qtr.

2008 Reports

• BDO 4th Qtr.
• BDO 3rd Qtr.
• BDO 2nd Qtr.
• BDO 1st Qtr.
• ESB 1st Qtr.

2007 Reports

• Banco de Oro - EPCI 4th Qtr. (w/ESB)
• Banco de Oro - EPCI 3rd Qtr.
• Banco de Oro - EPCI 2nd Qtr.
• Banco de Oro - EPCI 1st Qtr.

2006 Reports

• BDO 1st Qtr.
• BDO 2nd Qtr.
• BDO 3rd Qtr.
• BDO 4th Qtr.
• EPCIB 1st. Qtr.
• EPCIB 2nd Qtr.
• EPCIB 3rd Qtr.
• EPCIB 4th Qtr.

2005 Reports

• BDO 4th
• EPCIB 4th Qtr.

BDO Definitive Information Statement (DIS) for 2010 Annual Stockholders' Meeting [May 28, 2010]

BDO Definitive Information Statement (DIS) for 2009 Annual Stockholders Meeting

• General Information Sheet for 2009

• General Information Sheet for 2010

BDO BANK LICENSEt

Top 100 Stockholders

2010 Top 100 Stockholders

• March 2010
• June 2010

 

2009 Top 100 Stockholders

• March 2009
• June 2009
• September 2009
• December 2009

 

2008 Top 100 Stockholders

• March 2008
• June 2008
• September 2008
• December 2008

 

2007 Top 100 Stock Holders

• March 2007
• June 2007
• September 2007
• December 2007

Statement of Changes in Beneficial Ownership of Securities

BDO_Shareholdings_Gamboa_Sison (August 5, 2010)

BDO_SEC_23B_SMIC (July 13, 2010)

SMIC SEC 23-B (July 08, 2010)

BDO SEC 23A  - Joel Mendoza Amended (June18, 2010)

BDO Beneficial Ownership Newly Promoted SEVP SVPs Amended (June 10,  2010)

BDO SEC  23A - Cheo Chai Hong (June 2010)

BDO SEC  23B -  SMIC (May 2010)

BDO SEC  23B  - SMIC CN3226-2010 (May 2010)

BDO SEC  23B  - Sybase CN3097-2010 (May 2010)

BDO SEC  23B  - Sybase_Equity_Investments 100505 (May 2010)

BDO SEC  23B -  Sybase CN2367-2010 (Apr 2010)

BDO SEC  23B -  Sybase Equity_Investments 100408 (April 2010)

BDO SEC  23B  - Sybase Equity Investments 100413 (Apr 2010)\

BDO SEC  23B  - Sybase Equity Investments 100205 (Feb 2010)

• [2009]

• [2010]

BDO Corporate Center:

7899 Makati Avenue
Makati City 0726, Philippines
Trunkline: (+632) 840-7000

Customer Contact Center:

(+632) 631-8000
callcenter@bdo.com.ph

Domestic Toll-Free Nos.:

1-800-10-6318000 and 1-800-3-6318000 (Digitel)

International Toll-Free No.:

(Intl. Access Code) + 800-8-6318000

Investor Relations & Corporate Planning:

(+632) 840-7000 local 6069 or 4809

Email Us

Email: mailto:irandcorplan@bdo.com.ph

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