Frequently Asked Questions (FAQ)

In accordance with regulatory requirements, BDO reports to the Securities and Exchange Commission (SEC) interim financial results within forty-five (45) days after the end of each quarter, while annual results are filed within 105 days after the end of the financial year. In actual practice, the Bank’s quarterly results are usually disclosed within 30 days after each quarter, while the annual results have been disclosed within 60 days after the end of the year.

The financial statements of BDO are prepared in accordance with Philippine Financial Reporting Standards (PFRS).   
For more details, please refer to Note 2 in the 2023 Annual Report Financial Supplements

BDO’s independent auditor is Punongbayan & Araullo, a member firm within Grant Thornton International Ltd.

BDO’s latest and historical financial results are available under the Financials section. 

Yes, BDO Annual Reports are available for viewing and downloading under the Financials section.

Yes, BDO is rated by international credit rating agencies Fitch Ratings and Moody’s Investor Service. View details of the latest BDO credit ratings.

Click here to view more detailed information on the Bank’s capital and funding history.

The Offering Circulars for the Stock Rights Offer as well as Fixed Rate Peso Bonds, USD Senior Notes and LTNCDs previously issued by the Bank are found under the Capital & Funding section. 

BDO Unibank, Inc.’s common shares of stock are listed and traded on the Philippine Stock Exchange under the symbol “BDO”.

For more trading details on the BDO stock, please visit the Share Information section. 

BDO’s current and historical share price information are available in the Share Information section where direct links are provided to relevant sections of the Philippine Stock Exchange (PSE) website.  

Information on the Bank’s book value, share price and historical price to book value ratio is found under Bank Stock Valuation Indicators

An American Depositary Receipt (ADR) is a negotiable US dollar-denominated certificate representing ownership of shares in a non-US company. In a Level 1 ADR program, the ADRs are not listed on a US stock exchange, but are traded in the US Over-the-Counter (OTC) market.

BDO established its sponsored Level 1 ADR Program on 18 April 2013 to provide flexibility for U.S. investors to trade common shares in their time zone and settle their transactions locally. As well, the program intends to tap the pool of U.S. ADR investors, enhance the Bank’s visibility and global presence, and diversify and broaden the Bank’s shareholder base.

For more details about the Bank’s ADR program as well as trading information, please visit the Share Information section.

BDO’s capital stock is composed of common and preferred shares, both having a par value of P10.

BDO common shares have voting rights and participate in dividends. The Bank’s Series A preferred shares, on the other hand, are perpetual, voting, non-cumulative, non-participating, and pays a fixed dividend rate. The Bank’s preferred shares increased from 515,000,000 in 2021 to 618,000,000 following the 20% stock dividend paid on 29 December 2022.

Holders of capital stock whether common or preferred, have no pre-emptive right to subscribe for or purchase any shares of any class.

For additional details on the features of the Bank’s preferred shares, please refer to Notes 22.1 and 22.1.1 of the 2023 Annual Report Financial Supplements.

BDO’s authorized capital stock (common shares) increased from 5.5 billion shares in 2021 to 8.5 billion shares following the SEC approval of the hike in authorized capital stock on 29 November 2022. Issued and outstanding shares increased from 4.4 billion shares to 5.3 billion shares following the 20% stock dividends paid on 29 December 2022 as well as purchase of common shares by eligible senior officers pursuant to the Bank's employee stock option/grant program.

For additional details on the Bank’s authorized capital stock, please refer to the Share Information section.

If you wish to buy BDO common shares, you must have a stockbroker who can execute this for you. A stockbroker is a person or a corporation authorized and licensed by the Securities and Exchange Commission (SEC) and Philippine Stock Exchange (PSE) to trade securities. 

BDO Securities Corporation (BDO Securities), a wholly-owned full-service brokerage subsidiary of the Bank, has an expanded suite of products beyond equities to include, but not limited to, fixed income securities and investment funds, both local and global. 

BDO Securities has a pool of experienced traders who can assist you with stock trading and execute stock transactions on your behalf.  They can be reached through the following contact details:

BDO Securities Corporation
33/F BDO Towers Valero 
8741 Paseo de Roxas 
Salcedo Village 
Makati City 1226 
Telephone: (+632) 8702-7878

Alternatively, if you are familiar with the mechanics of stock market investing, you may enroll in BDO Securities’ online trading platform. This requires opening a BDO account which will serve as your settlement account. For more details, please visit BDO Securities

BDO recognizes the importance of providing a stable and sustainable dividend stream consistent with its commitment to shareholders and its financial performance. The Board of Directors may, at its discretion and depending on financial results and capital needs of the business, declare and approve the distribution of additional special dividends to shareholders. For details, please refer to Dividend Policy.

From June 2013 up to December 2022, the Bank paid regular quarterly cash dividends on common shares of P0.30 per share, or an annual equivalent of P1.20 per share. On 31 May 2022, the Bank also paid a P1.00 per share special cash dividend on common shares.  

From March 2023 up to March 2024, the Bank increased the regular quarterly cash dividends on common shares to P0.75 per share, or an annual equivalent of P3.00 per share.

On 19 April 2024, the Board of Directors approved another increase in the regular quarterly cash dividends on common shares to ₱1.00 per share beginning on the 2nd Quarter of 2024, or an annual equivalent of P4.00 per share. This will be the new dividend policy of BDO going forward.

Since 2009, BDO has paid annual cash dividends on the Bank’s peso denominated preferred shares carrying a dividend rate of 6.5%.

In 2012, the Bank issued stock dividends equivalent to 3% of outstanding capital stock. On 29 December 2022, BDO distributed stock dividends equivalent to 20% of outstanding capital stock issued out of the increase in authorized capital stock from 5.5 billion to 8.5 billion.

For more details on the record and payment dates of past dividends, please refer to Dividend History.

If you are holding on to stock certificates, inquiries relating to your shareholding should be directed to the Bank’s stock transfer agent, Stock Transfer Service, Inc. (STSI), with the following contact details:

Stock Transfer Service, Inc. (STSI) 
34/F Unit D Rufino Pacific Tower 
6784 Ayala Avenue 
Makati City 1200  
Telephone: (+632) 8403-2410 to 12  
Facsimile: (+632) 8403-2414

If your shares are scripless and are lodged with a local broker, then any inquiries should be addressed to the broker where your shares are lodged.

The change in name notwithstanding to BDO Unibank, Inc., BDO’s corporate entity remains the same. Thus, it will not be replacing its already issued stock certificates and will continue to honor stock certificates validly issued under the name “Banco De Oro Unibank, Inc.”

Those who are still holding Equitable PCI Bank (EPCIB) stock certificates may contact BDO’s stock transfer agent, Stock Transfer Service, Inc. (STSI), for assistance.  

Stock Transfer Service, Inc. (STSI) 
34/F Unit D Rufino Pacific Tower 
6784 Ayala Avenue 
Makati City 1200  
Telephone: (+632) 8403-2410 to 12 
Facsimile: (+632) 8403-2414

Yes, the Bank has an IR Program, the details of which are available in the Investor Relations section of this website and on pages 169 to 171 (under the topic “Investors”) of the Definitive Information Statement (DIS) for the 2024 Annual Stockholders’ Meeting.

The Conference Calendar is posted under the Presentations & Events section.

Yes, the Bank holds analyst briefings on its earnings results. These are posted in the Presentations & Events section or may be viewed on the BDO Unibank YouTube channel at

Yes, the Bank’s Investor Presentation may be accessed on this website, in the Presentations & Events section. 

Yes, BDO is covered by major credit ratings agencies and stock brokerages. View the Research Coverage List