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About BDO

Corporate Profile

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



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, Retail Cash 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 Online and Non-Online 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, customer-focused force. The Bank has the largest distribution network with over 1,500 operating branches and offices, and more than 4,500 ATMs nationwide. BDO has 16 international offices (including full-service branches in Hong Kong and Singapore) spread across Asia, Europe, North America, and the Middle East.


The Bank also offers digital banking solutions to make banking easier, faster, and more secure for its clients.


Through selective acquisitions and organic growth, BDO has positioned itself for increased balance sheet strength and continuing expansion into new markets. As of 31 March 2022, 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, BDO has one of the industry’s strongest Board of Directors composed of professionals with extensive experience in various fields that include banking and finance, accounting, law, and business.


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”.



BDO’s commitment to sustainability is fostered at the Board level. The Bank anchors its sustainable development strategy to the United Nations Sustainable Development Goals (SDGs). The sustainability strategies cover products, sustainability contribution, human capital, disaster response, and governance, in accordance with the Bank’s sustainability philosophy: “We seek to achieve resilience by incorporating sustainability in the way we do business. We aim to embed sustainability principles when making decisions, assessing relationships and creating products.”


The Bank released its fourth Sustainability Report outlining its economic, environmental, social, and governance performance as of December 2021. The Report is a substantiation of BDO Group’s commitment to the United Nations Social Development Goals (SDGs), the principles of the United Nations Global Compact, and the Greenhouse Gas (GHG) Protocol, and prepared in accordance with the GRI Standards: Core Option. Further, the Report has completed the GRI Materiality Disclosures Service, which confirms that the GRI Content Index is clearly represented and references for Disclosures align with appropriate sections in the report.  


For more details on the Bank’s Sustainability initiatives, please refer to section on “Sustainability” under “Corporate Governance” of the Bank’s website. The Report can be accessed through this link.






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.



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 Market Reach

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




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



Board, Management & Org. Structure


Member: PDIC, Maximum Deposit Insurance for Each Depositor P500,000

Financial Highlights

Financial Statement Highlights

2020 Highlights

2019 Highlights

2018 Highlights

2017 Highlights

2016 Highlights

2015 Highlights

2014 Highlights

2013 Highlights


Capital and Funding History Highlights

Year Amount Transaction/Issue Offering Circular Capital and Funding History Details
2022 Php 52.7 Bn 2 Year ASEAN Sustainability Bond View View
2020 Php 40.1 Bn

2  1/2 Year Senior Fixed Rate Bond

View View
  Php 36.0 Bn 1 3/4 Year Fixed Rate Bond View View
  USD 600 Mn 5  1/2 Year Senior Notes View View
2019 Php 35.0 Bn 1 1/2 Year Senior Fixed Rate Bond View View
  Php 7.3 Bn 5  1/2 Year LTNCD Offer View View
  Php 6.5 Bn 5  1/2 Year LTNCD Offer View View
2018 Php 8.2 Bn 5  1/2 Year LTNCD Offer View View
  USD 150.0 Mn Green Bond (private placement by IFC) View View
2017 Php 60.0 Bn 1:5.095 Stock Rights Offer View View
  Php 11.8 Bn 5  1/2 Year LTNCD Offer View View
  USD 700.0 Mn 5  1/2 Year Senior Notes View View


View Archive

Compliance and AMLA

Articles of Incorporation and By-Laws

   BDO Amended Articles of Incorporation SEC Approval



BSP Bank License

AML KYC Questionaire

Wolfsberg Anti Money Laundering Questionnaire

U.S. Patriot Act Certification


BDO's FATCA Details
FATCA Status Registered-Deemed Compliant Financial Institution/Reporting Financial Institution under a Model 1 Intergovernmental Agreement (IGA)
Date of Registration

Date of Registrations:

- as Participating FFI                 - 25 April 2014

- as Registered-Deemed           - 27 March 2015

Compliant FI/Reporting

FI under a Model 1 IGA

GIIN (Global Intermediary

Identification Number)

Contact Details of FATCA Responsible Officer
Name of Officer Atty. Federico P. Tancongco
Job Title/Department Chief Compliance Officer/Compliance
Telephone No. +6328784202
Email Address


FATCA Related Forms
Download W-8BEN-E
Signed FATCA Questionnaire







Member: PDIC, Maximum Deposit Insurance for Each Depositor P500,000