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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, 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”.



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.



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

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