January 2019

3Q18 Investor Presentation

2

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Environmental, Social and Governance

V. Awards and Citations

3

• The Philippines’ largest bank with total assets of P2.9 Tn (USD53.9 Bn).

• A full-service universal bank with one of the widest distribution networks consisting of more than 1,200 operating branches and over 4,000 ATMs nationwide.

• Part of the SM Group, one of the country’s largest conglomerates.

About BDO

Milestones• Expansion through organic growth and M&As

1967

KB license

1994

P77 BN

Merged with Dao Heng

Bank Philippines

2001

P36 BN

U/KB license

1996

Acquired 1st e-Bank’s banking business

P121 BN

2002

Acquired UOB Philippines’ branch banking business

P234 BN

2005 2012

Acquired Rural Bank of San Juan’s banking business

P1.2 TN

2014

Acquired Citibank

Savings, DB Trust

and Real Bank

P1.9 TN

Acquired One

Network Bank

2015

Acquired by SM Group

1976

Assets

P13 BN

P617 BN

Merged with Equitable PCI Bank.

Acquired Amex Savings Bank Philippines

2007 2016 2017

Joint Ventures with Nomura Securities, and Mitsubishi Motors

Phils./Sojitz/JACCS; Acquired exclusive franchise of Diners Club Int’l and full

control of Generali Pilipinas Life (renamed as BDO Life Assurance)

P2 TN

Est. as

Acme

Savings

Bank

2003

Acquired Banco Santander Philippines

P149 BN

P2.3 TN

2008 2009

Acquired GE Money Bank

P862 BN

P802 BN

Full-Service Bank StrategyNiche Strategy

#19 #17 #13 #9 #9 #5 #2 #1Ranking

Commercial Bank Expansion

P2.7 TN

5

Full Service Bank• Complete range of financial products and services

Corporate &

Institutional

Banking

Corporate and

middle market

lending

Trade finance

Specialized

lending

Financial

Institutions

Cross-border

financing

Consumer

Banking

Auto

Mortgage

Credit cards

Personal loans

Merchant

payment

processing

Leasing &

Finance

Direct lease,

sale and

leaseback

arrangements

Installment

paper

purchases

Receivable

discounting

and factoring

Branch

Banking

Deposit &

related products

Over-the-

counter

transactions

Cross-selling

distribution

platform

Treasury

Services

Fixed income

dealership

Foreign

exchange

transactions

Portfolio

management

Liquidity

management

Transaction

Banking

Cash

management

Electronic

banking

ATMs

Prepaid cards

Merchant

acquiring

Remittances

Trust

Banking

Investment

management

Unit investment

trust funds

Living trusts

Retirement

funds

Special trusts /

custodianship

Private

Banking

Wealth

advisory

Customized

portfolio

management

Investment

Banking

Underwriting &

distribution of

fixed income &

equity

securities

Fin’l advisory

Project finance

Loan

syndication

Stock

Brokerage

Equities trading

Online stock

trading

Insurance

Brokerage

(property &

casualty)

Bancassurance

(individual &

group life

insurance)

Rural

Banking

Salary loans

MSME loans

Deposit

products

Cash

management

Remittances

6

Market Reach• Wide and extensive coverage in key areas

25 International Offices

Europe - 1010 Remittance Offices

Middle East - 1Representative Office

Asia - 11 2 Full-service Branches

6 Remittance Offices

3 Representative Offices

North

America - 3 Remittance Offices

Philippines - 1,262

Branches

As of 28 December 2018

BDO ONB Total

Luzon 349 18 367

Metro

Manila573 1 574

Visayas 121 18 139

Mindanao 81 101 182

Total

Branches1,124 138 1,262

7

Business Franchise

#1

Customer

Loans

#1

Deposits#1

Remittances

#1

Assets Under

Management

#1

Private

Banking

Leading Trade

Services Provider2

Major Player in

Cash Management3

#1

Rural

Banking

#2

Leasing &

Finance

#1

Investment

Banking4

#1 Insurance

Brokerage5

• Market-leading positions in almost all business lines

#1

Credit

Cards1

Notes:1 In terms of cardholder base, merchant acquiring gross billings, and credit card receivables2 According to Asian Banking and Finance, Global Finance3 According to The Asset, The Asian Banker, Alpha South East Asia4 In terms of corporate issuances5 Among insurance brokers in terms of premiums produced and commissions earned

2,345

1,581 1,544 1,543

693 692468 448 442 410

LBP BPI MBT PNB CHIB SECB DBP UBP RCBC

1,947

1,325 1,283

737534 484 398 378 301 244

MBT BPI LBP PNB CHIB SECB RCBC UBP DBP

2,892

2,1411,963

1,782

906 814 735 637 635 618

MBT BPI LBP PNB CHIB SECB UBP DBP RCBC

8

Industry Ranking

Total Assets

(in PHP billions)

Source: Company data, consolidated statements of condition (SOC). Ranking as at 30 September 2018

Note: Financials prepared by banks under BSP’s SOC requirements differ slightly from reported financials under SEC

guidelines due to certain differences in accounting rules requested by the two authorities

Gross Customer Loans

Customer Deposits Assets Under Management

• No. 1 among Philippine banks

(in PHP billions) (in PHP billions)

(in PHP billions)

BDO Market Share – 19% BDO Market Share – 34%

BDO Market Share – 22%BDO Market Share – 18%

1,061

583

433328

131 117 92 86 86 46

BPI MBT LBP CHIB SCB PNB UCPBRCBCSECB

BDO Private Bank, Inc. 100%

BDO Capital & Investment Corporation 99.88%

BDO Leasing and Finance, Inc. BDO -87.43%, BDO Capital – 1.11%

One Network Bank, Inc. (A Rural Bank) 99.85%

BDO Remit (USA), Inc. 100%

BDO Remit (Japan) Ltd. 100%

BDORO Europe Ltd. 100%

BDO Remit (Canada) Ltd. 100%

Express Padala (HK) Ltd. 100%

BDO Remit(Italia) S.p.A. 100% (a)

BDO Remit Limited 100%

BDO Remit (Macau)Limited 100%

BDO Remit Int’l Holdings B.V. 96.32%

Averon Holdings, Inc. 100%

BDO Rental, Inc. 100%

MMPC Auto Financial Services Corp. 40%

BANKING / FINANCE

BDO Unibank, Inc.

Armstrong Securities 80% (b)

REMITTANCES INSURANCE PROPERTY

BDO Nomura Securities, Inc. 51%

BDO Strategic Holdings, Inc. 100%

BDO Insurance Brokers, Inc. 100%

BDO Life Assurance Company (formerly Generali Pilipinas Life Assurance Co.) BDO-97.0%, BDO Capital-3.0%

Equimark-NFC Development Corp. 60%

SM Keppel Land, Inc. 50%

Northpine Land, Inc. 20%

Taal Land, Inc. 33.33% (b)

Unicorn First Properties, Inc. 35% (a)

OTHERS

NLEX Corp. (formerly Manila North Tollways Corp.) 12.4%

Venture Industry for Business Enterprises 24% (a)

• With equity investments in allied and non-allied enterprises

Organizational Structure

** not yet operational.

(a) For dissolution(b) For sale

BDO Securities Corporation 100%

BDO Remit (UK) Ltd. (formerly CBN London Ltd.) 100%

CBN Greece S.A. 99.92% (a)

BDO Remit (Ireland) Designated Activity Company. 100%

CBN Remittance Center S.A. 99.99%

Stockholders of BDO

Financial Allied Subsidiary

Financial Allied Affiliate

Non-Financial Allied Subsidiary

Non-Allied UndertakingSubsidiary/Affiliates of BDO

Subsidiaries

Non-Financial Allied Affiliate

The Banker Top 1000 World Banks – Tier 1 Capital 2017

10

USD Million

231

Rank Origin Bank

235

232

234

237

238

239

240

233

236

5,421

5,419

5,403

5,391

5,344

5,289

5,203

5,140

5,114

5,067

Bank Gospodarstwa Krajowego

Taipei Fubon Bank

Iyo Bank

Mashreqbank

BDO Unibank

E. Sun Commercial Bank

Yes Bank

Bank Nederlandse Gemeenten

Qatar Islamic Bank

Landwirtschaftliche Rentenbank

5,344

3,611

3,325

1,940

1,782

1,415

1,088

1,014

0 1000 2000 3000 4000 5000 6000

MBT

BPI

SECB

PNB

CHIB

RCBC

UBP

The Banker Top Philippine Banks – Tier 1 Capital 2017

11

USD MillionBank

1

Rank

2

3

4

5

6

7

8

Acronyms:

BDO BDO Unibank PNB Philippine National Bank

BPI Bank of the Philippine Islands RCBC Rizal Commercial Banking Corp.

CHIB China Banking Corporation SECB Security Bank Corp.

MBT Metropolitan Bank& Trust UBP UnionBank of the Philippines

Note: Only private banks are included in the 2017 individual country rankings list

12

Credit RatingsMoody’s Fitch

09-Jul-2018 19-Nov-2018

Foreign Currency Bank Deposits/Issuer/Debt Rating (IDR)

Long Term Baa2 BBB-

Short Term P-2 F3

Outlook Stable Stable

Senior Unsecured debt

Long Term Baa2 BBB-

Short Term P-2

Outlook Stable

BCA/Viability/Financial Strength Rating

Baseline Credit Assessment (BCA) baa2

Adjusted BCA Rating baa2

Viability Rating bbb-

Financial Strength Rating

Outlook

Counterparty Risk (CR) Assessment

Long Term Baa1(cr)

Short Term P-2 (cr)

Counterparty Risk Rating (CRR)*

Foreign Currency

Long Term Baa1

Short Term P-2

Local Currency

Long term Baa1

Short Term P-2

*Ratings affirmed based on Fitch Press Release dated Nov. 19, 2018

Source: Moody’s, Fitch

13

Trading Fact SheetStock Details

Type Common Shares

Stock Ticker BDO

ISIN PHY077751022

Exchange Philippine Stock Exchange

Par Value P10.00

Outstanding No. of Shares* 4,374,048,064

Foreign Ownership Up to 40%

American Depositary Receipts (ADR) Program Details

Type Sponsored Level 1 ADR

ADR Ticker BDOUY

ISIN US05537Y305

Ratio 1 ADR = 10 Ordinary Shares

Depositary Bank Deutsche Bank Trust Company Americas

Contact Details

ADR Broker Helpline

Tel (New York) + 1 212 250 9100

Tel (London) + 44 207 547 6500

Email adr@db.com

ADR website www.adr.db.com

Depositary Bank's Local Custodian Deutsche Bank AG, Manila

*As of December 31, 2018

14

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Environmental, Social and Governance

V. Awards and Citations

9M18 P&L

(in PHP billion) 9M18 9M17 YoY% 9M18 9M17 YoY%

Interest Income 92.5 72.8 27% 90.4 71.0 27%

Loans & Other Receivables 82.5 64.1 29% 81.3 62.9 29%

Interest Expense 21.0 13.1 61% 20.9 12.8 63%

Net Interest Income 71.5 59.8 20% 69.6 58.2 20%

Non-interest Income 35.8 34.8 3% 28.2 25.5 10%

Fee Income 22.2 20.8 7% 21.6 20.0 8%

Insurance Premiums 8.7 7.2 21% - - -

Trading & FX 1.0 3.3 -71% 2.9 2.2 30%

Others 3.8 3.5 11% 3.7 3.3 9%

Gross Operating Income 107.3 94.6 13% 97.8 83.7 17%

Operating Expense 71.7 63.6 13% 63.3 54.6 16%

Ins. Reserves, Benefits and Claims 5.0 5.8 -13% - - -

Pre-Provision Operating Profit 35.5 31.0 15% 34.5 29.2 18%

Provisions 5.5 4.4 25% 4.9 4.1 20%

Net Income Before Tax 30.0 26.6 13% 29.6 25.1 18%

Taxes 8.6 6.2 39% 8.2 6.1 36%

Net Income 21.5 20.4 6% 21.4 19.0 13%

BDO Conso BDO ex-ONB & BDO Life

15

3Q18 Balance Sheet

(in PHP billion) 3Q18 3Q17 YoY%

Resources

Reserve Assets 528.7 561.3 -6%

Investment Securities 366.9 330.8 11%

Gross Customer Loans 1,959.4 1,669.8 17%

Investment Properties 18.9 15.5 22%

Other Assets 47.8 42.5 13%

Total Resources 2,921.7 2,619.9 12%

Liabilities

Deposits 2,345.9 2,090.4 12%

CASA 1,641.6 1,523.7 8%

Bills Payable/Sub-Debt 148.3 133.7 11%

Insurance Contract Liab. 25.8 25.7 0%

Other Liabilities 89.9 75.4 19%

Total Liabilities 2,609.9 2,325.2 12%

Total Capital 311.8 294.7 6%

Total Liabilities & Capital 2,921.7 2,619.9 12%

BDO Conso

16

16%

16%

20%

14%

17%19% 17%

15%

19%20%

17%

16%

18%17%

0%

5%

10%

15%

20%

25%

30%

2012 2013 2014 2015 2016 2017 3Q18

Industry

BDO

16%

8%

15% 17%

17%

22%

28%

15%

19%20%

17%

16%18%

17%

0%

5%

10%

15%

20%

25%

30%

2012 2013 2014 2015 2016 2017 9M18

Growth inInterest incomefrom Loans Only(YoY)

Loan Growth(YoY)

17

BDO Loan Growth vs. Industry

BDO Loan Growth vs. Interest Income Growth

a

aUKB, based on loans net of RRPs

BLR 5.0% 9.0% 9.4%

20.4(9M17)

14.5

22.6 22.8

25.026.2

28.1

21.5

12.0% 14.3% 13.7% 13.6% 12.7% 10.3% 9.5%

-500.0%

-400.0%

-300.0%

-200.0%

-100.0%

0.0%

0

5

10

15

20

25

30

35

2012 2013 2014 2015 2016 2017 9M18

(in P bn)

NetIncome

18

Capital & Leverage Ratios

BDO 3Q18a

CAR

Min. w/

BSP DSIB

Industry

ROE 12.7% 13.7% 11.0% 9.8% 10.5% 10.0% 9.3%

bUKB

b

a Per SOC, BSP

ROCE

Net Income & ROE

1Q18 7.9%

2Q18 9.7%

3Q18 11.0%

19

Income Statement(in PHP billion) 2012 2013 2014 2015 2016 2017 9M18

Interest Income 54.0 56.6 63.6 72.1 82.0 99.8 92.5

Interest Expense 17.9 13.4 12.4 15.2 16.4 18.0 21.0

Net Interest Income 36.1 43.2 51.2 57.0 65.6 81.8 71.5

Non-interest Income 24.4 31.8 29.5 31.8 41.6 47.2 35.8

Fee Income 13.4 15.5 18.0 19.4 22.2 28.9 22.2

Insurance Premiums - - - - 8.1 9.9 8.7

Trading & FX 8.2 12.8 7.1 7.2 4.8 3.9 1.0

Others 2.8 3.6 4.4 5.3 6.5 4.5 3.8

Gross Operating Income 60.5 75.0 80.7 88.8 107.2 129.0 107.3

Operating Expenses 39.5 43.3 48.5 55.1 70.0 84.9 71.7

Ins. Reserves, Benefits and Claims - - - - 5.7 7.5 5.0

Pre-Provision Operating Profit 21.1 31.8 32.2 33.7 37.2 44.1 35.5

Provisions 4.9 7.0 5.1 3.0 3.8 6.5 5.5

Income bef. Pre-Acquisition 16.1 24.8 27.1 30.7 33.4 37.6 30.0

Pre-Acquisition Income - - - - (0.4) - -

Taxes 1.6 2.1 4.2 5.7 6.8 9.5 8.6

Net Income 14.5 22.6 22.8 25.0 26.2 28.1 21.5

20

Balance Sheet(in PHP billion) 2012 2013 2014 2015 2016 2017 3Q18

Resources

Reserve Assets 201.4 491.5 488.4 461.7 511.0 511.1 528.7

Investment Securities 237.3 227.9 221.5 225.8 269.0 332.9 366.9

Gross Customer Loans 769.0 911.5 1,089.4 1,279.4 1,482.0 1,754.9 1,959.4

Investment Properties 9.1 10.4 13.9 14.6 15.2 18.0 18.9

Other Assets 24.8 31.5 50.5 49.9 47.8 51.2 47.8

Total Resources 1,241.5 1,672.8 1,863.6 2,031.3 2,325.0 2,668.1 2,921.7

Liabilities

Deposits 931.6 1,345.3 1,492.3 1,663.9 1,905.2 2,121.0 2,345.9

Bills Payable/Sub-debt 100.4 97.3 110.4 107.6 110.6 140.5 148.3

Insurance Contract Liab. - - - - 20.6 26.0 25.8

Other Liabilities 55.2 65.8 81.3 60.2 71.1 82.3 89.9

Total Liabilities 1,087.2 1,508.4 1,684.0 1,831.6 2,107.4 2,369.8 2,609.9

Total Capital 154.4 164.4 179.7 199.6 217.6 298.3 311.8

Total Liabilities & Capital 1,241.5 1,672.8 1,863.6 2,031.3 2,325.0 2,668.1 2,921.7

Financial Performance Indicators2012 2013 2014 2015 2016 2017 9M18

Profitability

Return on Ave. Common Equity 12.0% 14.3% 13.6% 13.6% 12.7% 10.2% 9.5%

Return on Average Assets 1.3% 1.6% 1.3% 1.3% 1.3% 1.1% 1.0%

Margins and Liquidity

Net Interest Margin (NIM) 3.4% 3.3% 3.2% 3.2% 3.2% 3.5% 3.6%

Loan to Deposit Ratio 82.5% 67.8% 73.0% 76.9% 77.8% 82.7% 83.5%

Liquid Assets to Total Assets 35.3% 43.0% 38.1% 33.8% 33.5% 31.6% 30.7%

Cost Efficiency

Cost to Income Ratio 65.2% 57.7% 60.1% 62.1% 65.3% 65.8% 66.9%

Cost to Assets Ratio 3.4% 3.0% 2.7% 2.8% 3.2% 3.4% 3.4%

Asset Quality

NPL Ratio 2.8% 1.6% 1.3% 1.2% 1.3% 1.2% 1.1%

NPL Cover 125.7% 170.7% 188.4% 166.1% 139.4% 146.2% 174.9%

Capital and Leverageb

CET1 .0% .0% 12.4% 11.3% 10.6% 12.9% 12.3%

Tier 1 Ratio 15.2% 14.6% 12.8% 11.7% 10.9% 13.1% 12.5%

Capital Adequacy Ratio (CAR) 19.1% 15.8% 14.6% 13.3% 12.3% 14.5% 13.9%

Basel III Leverage Ratio (BLR) 9.4%aAnnualized 5 6 7 8 9 10 11bPer SOC, BSP

 Basel II    Basel III 

a

a

a

a

21

22

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Environmental, Social and Governance

V. Awards and Citations

23

Shareholder Structure

• Majority owned by the SM Group

As of 30 September 2018

Name Nationality Shareholdings

Percentage

of

Ownership

SM Investments Corp. Filipino 1,750,930,649 40.04%

PCD Nominee Foreign 1,327,314,542 30.35%

PCD Nominee Filipino 799,647,139 18.28%

Multi-Realty Development Corporation

Shoemart, Inc.

Filipino

Filipino

282,890,230

90,024,395

6.47%

2.06%

Sub-Total, Top Shareholders 97.20%

Total Shares Outstanding* 4,373,300,839

Source: Top 100 Shareholders as of 30 September 2018

*Number of chares outstanding subsequently increased to 4,374,048,064 as of December 31, 2018 due to the purchase of additional common shares

by the Bank’s eligible senior officers pursuant to the Banks employee stock option/grant program and issuance of additional shares as a result of the

recently concluded stock rights offer.

24

Financial

Services

Property

Retail

Access to SM’s customer

network

• Over 18,000 PHL tenants

• More than 9,500 suppliers

• 4.0 million average daily foot

traffic

• In-house business

• Home mortgage financing

for SM property projects

New business

opportunity

• Goodwill from the SM

franchise

• Joint product development

SM expertise

• Middle market knowledge

• Expertise in retail market

and real estate

Branch locations

• Branches, ATMs in SM malls

• One of the leading property

developers in the country with

strong presence in mall operations

and housing developments

• Dominant domestic mall

developer/operator - 72 malls in

the Philippines with GFA of 8.2 mn

sqm (with 7 more malls in China)

• Largest local retail chain with 845

stores nationwide

• Increased presence in

discretionary retail with 1,304

outlets

• Biggest domestic banking

operations

• Interests in BDO and China Bank

The SM Group

• Harnessing synergies with the country’s largest conglomerate

7 directors out of 11 have an average of 35 years of banking

experience, including a former Partner and Head of Asia

Financials Research at Goldman Sachs

2 directors are practicing attorneys, and another one is a

Philippine bar topnotcher and member of the State Bar of

New York

• One of the strongest Board of Directors in the industry with extensive

banking and finance, legal and business background

Experienced

Bankers

Practicing

Lawyers

1 director is a successful businessman who has made his

mark in the field of retailing

Successful

Entrepreneur

Board of Directors

25

Board of Directors

• With broad business and professional experience

Henry T. Sy Senior

Chairman Emeritus — first appointed to the Board in 1976

Founder and Chairman of the SM Group of Companies

Started his entrepreneurship career in 1958

Chairman of SMIC, SM Prime Holdings and SM Dev. Corp.

Jesus A. Jacinto Jr.

Vice Chairman — first appointed to the Board in 1996

Chairman and President of BDO Insurance Brokers

Chairman and President of Jaces Corp.

MBA Columbia University

Teresita T. Sy

Chairperson — first appointed to the Board in 1977

Serves as Director in multiple subsidiaries of BDO

Vice Chairperson of SMIC and Director of other SM Group

companies, including Multi-Reality Dev. Corp.

Antonio C. Pacis

Director — first appointed to the Board in 2004

Director of BDO Capital

Corporate lawyer since 1967

Degree from Harvard Law School

Josefina N. Tan

Director — first appointed to the Board in 2007

President of BDO Private Bank

Former Director of EPCIB from 2005 to 2007

Former Director of Banco de Oro from 2001 to 2005

Nestor V. Tan

President and CEO — first appointed to the Board in 1998

Holds Directorships of numerous BDO subsidiaries

Director of the Bankers Association of the Philippines

MBA Wharton School

Dioscoro--Roy I. Ramos

Independent Director — first appointed to the Board in 2016

CIO of RY&S Investments Ltd., Hong Kong since 2011

Former Partner and Head of Asia Financials Research from

1994 to 2011 at Goldman Sachs

Jimmy T. Tang

Independent Director — first appointed to the Board in 1984

Serves as Independent Director since 2002

Previously served as Director since 1984

Chairman and President of AVESCO Group of Companies

Gilberto C. Teodoro

Independent Director – first appointed to the Board in 2014

Served as Secretary of National Defense from 2007-2009

Masters of Laws from Harvard Law School

Topnotcher, 1989 Philippine Bar Examinations

Jones M. Castro Jr.

Independent Director — first appointed to the Board in 2012

Served as Head for South Asia and SEA at Wells Fargo Bank

MBA Stanford University

Jose F. Buenaventura

Independent Director — first appointed to the Board in 2013

Senior Partner of Romulo Mabanta Buenaventura Sayoc & De

Los Angeles Law Offices since 1976

Master of Laws from Georgetown University Law Center

Christopher A. Bell-Knight

Director — re-elected to the Board in 2013

Previously served as BDO Director from May 2005 - Sep 2010

Former VP and Country Head of the Bank of Nova Scotia

Associate of the Chartered Institute of Bankers - British

Senior Management Team • With extensive professional banking expertise

Corporate Support

Joseph Gerard D. Tiamson

Head — COG Transaction Processing

With BDO since 2016

Over 30 years of banking experience

Frederic Mark S. Gomez

Head — I.T.

With BDO since 2017

Over 21 years financial services experience

Evelyn C. Salagubang

Head — HRG Recruitment

With BDO since 2007

Over 25 years experience in HR

Lucy Co Dy

Head — Comptrollership

With BDO since 1985

Over 30 years of banking experience

Edwin Romualdo G. Reyes

Head — Transaction Banking

With BDO since 2015

Over 30 years banking experience

Evelyn L. Villanueva

Head — Risk Management

With BDO since 2002

Over 30 years of banking experience

Luis S. Reyes Jr.

Head — IR & Corplan

With BDO since 2003

Over 30 years of banking experience

Atty. Federico P. Tancongco

Head — Compliance

With BDO since 2005

Over 24 years of banking experience

Alvin C. Go

Head — Legal

With BDO since 2013

In the practice of law for 30 years

Maria Theresa L. Tan

General Manager — BDO Insurance

With BDO since 2009

22-year banking and insurance experience

Albert Santiago Yeo

Head — Private Banking

With BDO since 2017

Over 32 years banking experience

Eduardo V. Francisco

Head — Investment Banking

With BDO since 1999

30 years banking experience

Ador A. Abrogena

Head — Trust and Investments

With BDO since 1990

Over 30 years of banking experience

Walter C. Wassmer

Head — Business Lending

With BDO since 1997

Over 30 years of banking experience

Rolando C. Tanchanco

Head — Consumer Lending

With BDO since 2004

Over 25-year banking experience

Jaime C. Yu

Head — Branch Banking

With BDO since 1997

Over 34 years of banking experience

Dalmacio D. Martin

Head — Treasury

With BDO since 2009

Over 30 years of banking experience

Products, Services and SubsidiariesIntermediation

Nestor V. Tan

President and CEO With BDO since 1997

Over 30 years of banking experience

Roberto E. Lapid

President — BDO Leasing and Finance

With BDOLF since 1993

Over 34 years of banking experience

Estrellita V. Ong

Head — Internal Audit

With BDO since 2011

Over 23 years experience in audit

Renato Vergel de Dios

CEO & Director – BDO Life Assurance Co. Inc.

With BDO since 2016

Over 40 years of experience in insurance

Jesus Antonio Saldaña Itchon

President, One Network Bank

With BDO since Sep. 15, 2017

Over 30 years of banking experience

Maria Cecilia G. Fonacier

Head — Marketing Communications

With BDO since 2017

Over 20 years of banking experience

Grace C. Palomar

Head — HRG Training & Org Dev’t

With BDO since 2015

Over 37 years experience in HR

Sixto Sison Gaddi

Head — HRG Workforce Management

With BDO since 2018

Over 25 years experience in HR

Aurea Imelda S. Montejo

Head — COG Enterprise Support

With BDO since 1992

Over 26 years of banking experience

Gregorio C. Severino

Head — COG Transaction Banking

With BDO since 1996

Over 32 years of banking experience

Myla R. Untalan

Head — Digital Infrastructure

With BDO since 2003

Over 25 years of banking experience

28

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Environmental, Social and Governance

V. Awards and Citations

Sustainable Development ProgramsFinding Ways through Innovative Banking

424,229

32School buildings built with 112 classrooms serving 16,600 students

50

4,751,660

Health centers rehabilitated with

total population covered

536Disaster-resilient homes built

Of which 88 units are for PWDs

and their families in a model community, the first of its kind in the country

Period covered: Disaster Relief: 2008-2017Rural Health Centers: 2012-2017School Buildings: 2012-2017Housing resettlement: 2009-2017

Sustainable Development ProgramsFinding Ways through Innovative Banking

77% Female Employees

PHP14.1 billion of

Sustainable Energy Finance Projects

US$150 million for

green bond in the Philippines

Green facility in partnership with Japan Bank for International Cooperation million

636,545 tonnes of CO2e avoided

per year equivalent to:

485.6 MWH capacity of renewable

energy generated

136,305 passenger vehicles off

the road

16,321,660 tree seedlings grown

for 10 years

Period covered: Gender Equality Data: As of 2017Alternative and Clean Energy Data: As of 2017Environmental and Social benefits from BDO Green Financing Program

Sustainable Development ProgramsFinding Ways through Innovative Banking

ESG EQUITY FUND

Over PhP 22 MillionRaised to-date*

Period covered: Life Below Water Data: 2016* From 2011-2017

Sustainable Development ProgramsFinding Ways through Innovative Banking

Governance principles of fairness, integrity, transparency, accountability and performance consistently applied throughout the institution

Annual Self-Assessment of the Board, Board Committees, Directors, Advisers, and Senior Management to gauge performance, competence and the ability to manage the Bank

Non-executive Directors including Independent Directors now comprise 90.91% of board strength, more than the requirements of the BSP of at least majority of the Board

Term limit of Independent Directors at nine (9) years in accordance with international best practice

ESG Recognition / Awards

Silver Awardee Corp Governance Scorecard

Awardee for ten (10) consecutive years

Among the Best Companies in the Philippines in CSR and

Environmental Responsibility

Platinum

Award

Among the recipients of the 6th and 7th Asian Excellence

Award

Corporate Governance Asia

Teresita T. Sy-Coson Asian Corporate Director Award

Institutional InvestorOne of the 15 Recipients of the

Institutional Investor Governance

Awards 2016

ASEAN Corporate

Governance Scorecard Among the Top 50 Publicly-Listed

Companies 2013-2015

Asian

Banking &

Finance

Corporate Social Responsibility Program of the Year - Silver

BDO Unibank is a constituent

of the FTSE4Good Index

http://www.ftse.com/product

s/indices/FTSE4Good

34

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Environmental, Social and Governance

V. Awards and Citations

35

Awards and Citations, 2014-2018

Best Bank in the Philippines

Asiamoney

FinanceAsia

Euromoney

Global Finance

Philippine Bank of the

Year 2016

Charlton East Coles

Top 15, Philippine Company of

the Year 2016

The BankerBank of the Year, Philippines

The AssetBest Domestic bank, Philippines

(2014-2017)

The Asian BankerStrongest Bank, Philippines

Best

Debt/Equity,

M&A

House

Best

Investment

Bank

Best

Private

Bank

Best Project

Finance

Bank

Best Retail &

Wholesale

Bank

36

Awards and Citations, 2014-2018

Best

Investment

Bank/Deals

Best

Private

Bank

Best Project

Finance

Bank/Deals

Best

Wholesale

Bank

Fund House of the

Year - Philippines

Best in Treasury & Working

Capital – SMEs in the

Philippines

FinanceAsia

FinanceAsia FinanceAsia

The Asset The AssetThe Asset

The AssetThe Asset

Euromoney

Global Finance

Asian Private

Banker

Asiamoney Asiamoney

AsianInvestor

Euromoney

Asiamoney

Project Finance

MagazineGlobal Finance

World FinanceBest Investment Management

Company

Best

in Trade

Finance

Best in

Fund

Management

Best

FX Bank/

Provider

37

Awards and Citations, 2014-2018

Best

in Internet

Banking

Best

Retail Bank

The Asset

Best in

Internet

Banking

Best

in Trade

Finance

Best in Deposit Initiatives

The

Asian Banker

Best

in Cash Mgt. &

Transaction

Banking

Best

FX Bank/

Provider

Best in

Social Media

Initiatives

The

Asian Banker

The

Asian BankerBest Retail Bank in the

Philippines

Best Trade Finance

Provider in the

Philippines

2016 Cash

Management Poll as

voted by Corporates

On-line Banking Initiative of the Year

Automotive Lending Initiative of the Year

Mortgage & Home Loan Product of the Year

The

Asian Banker

Asian Banking &

Finance

Asiamoney

Asian

Banking &

Finance

Asian

Banking &

Finance

Global Finance

BSP

Outstanding PhilPaSS

Participant Servicing

Customer ePayments for

Commercial Banks

Gold Award - Top

Commercial Bank that

Generate the Largest

Overseas Filipino

Remittances

Asian

Banking &

FinanceSocial Media Initiative of

the Year

The AssetBest Retail Social-Media

Banking Experience, Philippines (2015-2017)

The Asset

The Mortgage Product of the Year (2018)

Mortgage Business of the

Year

Excellence in

Investor

Relations

Best

in Trade

Finance

Best in

Fund

Management

Best

FX Bank/

Provider

38

Awards and Citations, 2014-2018

Best

in Internet

Banking

Asiamoney

FinanceAsia

Among the Most Trusted Brands

Reader’s Digest

Asset Management Company of the Year

The AssetImpact Investor of the Year

Award

Best

FX Bank/

Provider

Best

in Fund

Management

Excellence in

Leadership &

Management

Excellence in

Investor

Relations(Individual Awards)

Best Managed Company in the Philippines – Large Cap

FinanceAsiaAmong the Best Managed Public

Companies

Asiamoney

Nestor V. TanBest Executive

Most Organized Investor Relations

Among the Best Investor Relations Companies in the

Philippines

Among the Best Senior Management IR Support

Teresita T. Sy-CosonAsia’s Best CEO Award

Pedro M. Florescio One of Asia’s Best CFOs (IR)

Best FX Provider in the

Philippines

Best Investment

Management Company -

Philippines

Teresita T. Sy

Management Man of

the Year 2016

Among the Best at

Investor Relations

FinanceAsiaManagement

Association of

the Philippines

World Finance

Global Finance

Corporate

Governance

Asia

Luis S. Reyes, Jr.Best IR Professionals (Phils)

Corporate

Governance

Asia

Nestor V. Tan.Asia’s Best CEO AwardBest Corporate Communications

Best Wealth Manager, Philippines (2017)

Institutional

InvestorNestor V. Tan

Best CEO – Emerging Markets (Philippines)

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opinion/data/forward-looking statements herein reflected may be subject to change by BDO without notice.

Investor Relations & Corplan:

4F South Tower, BDO Corporate Center

7899 Makati Avenue, Makati City

Metro Manila 0726, Philippines

Phone: (632) 840 7000 (loc. 6069)

Fax: (632) 878 4151

Email: irandcorplan@bdo.com.ph

Website: www.bdo.com.ph

40

Thank you.

www.bdo.com.ph