About BDO: Business Operation

Business
Operation Shareholdings
Structure Board, Management &
Organizational Structure Financial
Highlights Compliance
and AMLA Licensed Salesperson for Fixed Income Securities

Corporate Profile
Awards and Citations
Core Values
Corporate Mission
Market Reach
Milestones
Domestic and International Network
Correspondent Banks

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BDO Amended Articles of Incorporation SEC Approval

By-laws

Industry Rankings

CORPORATE PROFILE

BDO is a full-service universal bank in the Philippines. It provides a complete array of industry-leading products and services including Lending (corporate and consumer), Deposit-taking, Foreign Exchange, Brokering, Trust and Investments, Credit Cards, Corporate Cash Management and Remittances in the Philippines. Through its local subsidiaries, the Bank offers Investment Banking, Private Banking, Leasing and Finance, Rural Banking, Life Insurance, Insurance Brokerage and Stock Brokerage services.

BDO’s institutional strengths and value-added products and services hold the key to its successful business relationships with customers. On the front line, its branches remain at the forefront of setting high standards as a sales and service-oriented, customerfocused force. BDO has the largest distribution network with over 1,300 operating branches and more than 4,000 ATMs nationwide.

Through selective acquisitions and organic growth, BDO has positioned itself for increased balance sheet strength and continuing expansion into new markets. As of 30 September 2018, BDO is the country’s largest bank in terms of consolidated resources, customer loans, deposits, assets under management and capital, as well as branch and ATM network nationwide.

BDO is a member of the SM Group, one of the country’s largest and most successful conglomerates with businesses spanning retail, mall operations, property development (residential, commercial, resorts/hotel), and financial services. Although part of a conglomerate, BDO’s day-to-day operations are handled by a team of professional managers and bank officers. Further, the Bank has one of the industry’s strongest Board of Directors composed of professionals with extensive experience in various fields that include banking, accounting, finance, law, bank regulations and risk management, strategy formulation and merchandise marketing.

Awards and Citations

BDO is a recipient of multiple awards from various local and international award-giving bodies for both institutional and product excellence. A listing of these awards is detailed on the Bank’s website under “About BDO - Awards and Citations”.

ENVIRONMENTAL,SOCIAL AND GOVERNANCE (ESG)

Corporate Governance

BDO’s corporate governance is anchored on five (5) basic principles: accountability, fairness, integrity, transparency and performance. This governance philosophy is deeply rooted in BDO’s corporate culture as it believes that effective governance is a collective effort of its directors, officers and staff. As such, the Bank upholds the highest standards of ethical behavior and responsible conduct of business as it protects the interests of and creates value for its shareholders.

Please refer to the “Corporate Governance” section of the Bank’s website for more details.

Corporate Social Responsibility

The Bank carries out its corporate social responsibility (CSR) through the BDO Foundation, the CSR arm of BDO Unibank, which promotes initiatives based on the Bank’s long-standing record of support to social development. The Bank’s CSR focuses on its disaster response advocacy that is achieved through three main interventions, namely, relief, rehabilitation and reconstruction, particularly in areas affected by natural or man-made disasters. The Bank’s CSR projects involve the following: relief operations in disaster-stricken provinces; rehabilitation/reconstruction of rural health centers; construction of houses in resettlement areas, multi-purpose halls and school buildings; and support for livelihood projects for families with disabled members (persons with disabilities).

As well, the BDO Foundation actively promotes volunteerism among its employees who help out in the Foundation’s various activities that include, among others, community building, livelihood/skills training, fund raising, and environmental/green initiatives. Through these, the Bank hopes to give back to society and make a positive contribution to the broader community it serves.

For more information, please refer to the “Corporate Social Responsibility” section under “Corporate Governance” of the Bank’s website.

Environmental Initiatives

BDO imposes limits and monitors exposure to certain industries, e.g., Gaming, Tobacco and Alcohol, as well as restricts lending to other sectors under the Exclusion List (those deemed to have adverse or harmful effects to the community and the environment).

Through its Sustainable Energy Finance (SEF) Program in cooperation with IFC, the Bank supports green energy investments in Energy Efficiency (EE) and Renewable Energy (RE) projects. Further, the Bank has a tie-up with the Japan Bank for International Cooperation (JBIC) for the latter’s Green Facility, a USD50 million relending credit facility open to RE, EE and Green building projects which reduce Greenhouse gas emissions.

As well, the Bank issued the BDO Green Bond amounting to USD150 million to exclusively finance climate-smart projects and help contribute to the development of climate finance market in the country. The BDO Green Bond is the first green bond by a commercial bank in the Philippines and is the IFC’s first green bond investment in a financial institution in East Asia and the Pacific.

Please refer to “ESG” under “Corporate Governance” on the Bank’s website for more details.

CORE VALUES

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.

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DOMESTIC AND INTERNATIONAL NETWORK

Click here for the complete list of international offices and partners: Directory of #BDORemit offices, partners and agents (pdf)

CORRESPONDENT BANKS

Currency	Bank	Swift/BIC
AUD	Australia and New Zealand Banking Group Limited, Melbourne	ANZB AU 3M
CHF	Citibank NA, London	CITI GB 2L
EUR	Deutsche Bank AG, Frankfurt am Main	DEUT DE FF
EUR	Standard Chartered Bank (Germany) GmbH, Frankfurt am Main	SCBL DE FX
GBP	Barclays Bank PLC, London	BARC GB 22
GBP	HSBC Bank plc, London	MIDL GB 22
HKD	Banco de Oro Unibank Inc, Central	BNOR HK HH
JPY	Standard Chartered Bank, Tokyo	SCBL JP JT
JPY	Wells Fargo Bank NA, Tokyo	PNBP JP JX
SGD	Oversea-Chinese Banking Corp Ltd, Singapore	OCBC SG SG
USD	Bank of America NA, San Francisco	BOFA US 6S
USD	Citibank NA, New York	CITI US 33
USD	Deutsche Bank Trust Company Americas, New York	BKTR US 33
USD	JPMorgan Chase Bank National Association, New York	CHAS US 33
USD	Standard Chartered Bank, New York	SCBL US 33
USD	The Bank of New York Mellon, New York	IRVT US 3N
USD	Wells Fargo Bank NA, New York	PNBP US 3N NYC

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About BDO: Business Operation