Investor Presentation1Q20 Results

April 2020

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

• The Philippines’ largest bank with total assets of P3.3 Tn (USD64.4 Bn).

• A full-service universal bank with one of the widest distribution networks consisting of more than 1,400 operating branches and over 4,400 ATMs nationwide.

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

About BDO

3

1996 2001 2002 2003 2005 2007 2008 2009 2012 2014 2015 2016 2017 2018 2019

4

Milestones• Expansion through organic growth and M&As

1967

KB license

1994

P77 BN

Merged with Dao Heng

Bank Philippines

P36 BN

U/KB license

Acquired 1st e-Bank’s

banking business

P121 BN Acquired UOB Philippines’ branch banking business

P234 BN

Acquired Rural Bank of San Juan’s banking business

P1.2 TNAcquired Citibank Savings, DB

Trust and Real Bank

P1.9 TN

Acquired One Network Bank

(rebranded as BDO Network Bank)

Acquired by SM Group

1976

Assets

P13 BN

P617 BN

Merged with Equitable PCI Bank.

Acquired Amex Savings Bank PhilippinesP2 TN

Est. as Acme

Savings Bank

Acquired Banco Santander Philippines

P149 BN

Joint Venture with Nomura Securities; Acquired

exclusive franchise of Diners Club Int’l and full

control of Generali Pilipinas Life (renamed as

BDO Life Assurance)

P2.3 TN

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

P3.0 TN

Acquired RB

Pandi banking

business

P3.2 TN

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 &e

quity

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

5

6

Market Reach• Wide and extensive coverage in key areas

17 International Offices

Europe - 3Remittance Offices

Middle East - 1Representative Office

Asia - 11 2 Full-service Branches

6 Remittance Offices

3 Representative Offices

North

America - 2 Remittance Offices

Philippines - 1,447

Branches & Offices

BDOBDO

Network

(ONB) Total

Luzon 357 116 473

Metro

Manila612 14 626

Visayas 122 38 160

Mindanao 84 104 188

Total 1,175 272 1,447

As of 31 March 2020

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

#3

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 Alpha South East Asia, Asian Banking and Finance, The Asset4 In terms of debt and equity capital markets corporate issuances, excluding banks’ stock rights offers5 Among insurance brokers in terms of premiums produced and commissions earned

7

1,336

731

492

319

16996 94 90 58 54

BPI MBT LBP CHIB PNB RCBC UCPB SECB UBP

2,485

1,785 1,715 1,697

825 776555 500 484 457

LBP MBT BPI PNB CHIB DBP SECB UBP RCBC

2,194

1,492 1,480

817648 576

448 434 355 353

BPI MBT LBP PNB CHIB SECB RCBC UBP DBP

3,145

2,4712,189

2,038

1,131962

795 771 770 765

MBT BPI LBP PNB CHIB SECB RCBC UBP DBP

8

Industry Ranking

Total Assets

(in PHP billions)

Source: Company data, consolidated statements of condition (SOC). Ranking as at 31 December 2019

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 – 37%

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

BDO Private Bank, Inc. 100%

BDO Capital & Investment Corporation 99.8760%

BDO Leasing* and Finance, Inc. BDO -87.43%, BDO Capital – 1.11% (c )

BDO Network Bank (formerly ONB) 84.87%

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 Limited 100%

BDO Remit (Macau)Limited 100%

BDO Remit Int’l Holdings B.V. 96.32%

Averon Holdings, Inc. 100%

BDO Rental, Inc. 100%

BANKING / FINANCE

BDO Unibank, Inc.

Armstrong Securities 80%

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%

Unicorn First Properties, Inc. 35% (a)

OTHERS

NLEX Corp. (formerly Manila North Tollways Corp.) 11.7%

• With equity investments in allied and non-allied enterprises

Organizational Structure

** not yet operational.

(a) For dissolution(b) Under liquidation(c) Sale subject to

regulatory approvals and closing conditions

BDO Securities Corporation 100%

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

CBN Greece S.A. 99.92% (b)

BDO Remit (Ireland) Designated Activity Company. 100%

BDO remit (Spain) (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 2018

10

USD Million

224

Rank Origin Bank

228

225

227

230

231

232

233

226

229

5,508

5,499

5,400

5,391

5,342

5,303

5,281

5,281

5,265

5,257

Turkiye Halk Bankasi

Raymond James

Kyushu Financial Group

Bank of Zhengzhou

BDO Unibank

Bank Nederlandse Gemeenten

Iyo Bank

Mashreqbank

Ban Pekao

Bank of India

5,342

4,700

4,414

2,037

1,916

1,890

1,408

1,281

0 1000 2000 3000 4000 5000 6000

MBT

BPI

LBP

SECB

PNB

CHIB

RCBC

The Banker Top Philippine Banks – Tier 1 Capital 2018

USD MillionBank

1

Rank

2

3

4

5

6

7

8

Acronyms:

BDO BDO Unibank MBT Metropolitan Bank & Trust Co.

BPI Bank of the Philippine Islands PNB Philippine National Bank

CHIB China Banking Corp. RCBC Rizal Commercial Banking Corp.

LBP Land Bank of the Philippines SECB Security Bank Corp.

11

Credit Ratings

Moody’s Fitch

28-Jan-2020 13-Dec-2019

Outlook Stable Stable

Bank Deposits (Foreign/Local)

Long Term Baa2 BBB-

Short Term P-2 F3

Senior Unsecured debt (Foreign) Baa2 BBB-

Other Short Term (P)P-2

BCA/Viability Rating

Baseline Credit Assessment (BCA) baa2

Adjusted BCA Rating baa2

Viability Rating bbb-

Support Rating 2

Support Rating Floor BBB-

Counterparty Risk Rating (CRR)* (Foreign/Local)

Long Term Baa1

Short Term P-2

Counterparty Risk (CR) Assessment (Local)

Long Term Baa1(cr)

Short Term P-2 (cr)

Source: Moody’s, Fitch

12

Trading Fact SheetStock Details

Type Common Shares

Stock Ticker BDO

ISIN PHY077751022

Exchange Philippine Stock Exchange

Par Value P10.00

Outstanding No. of Shares* 4,382,611,513

Foreign Ownership Up to 40%

American Depositary Receipts (ADR) Program Details

Type Sponsored Level 1 ADR

ADR Ticker BDOUY

ISIN US05537Y3045

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 April 16, 2020

13

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

1Q20 P&L

(in PHP billion) 1Q20 1Q19 YoY%

Interest Income 40.7 38.8 5%

Interest Expense 7.7 11.1 -30%

Net Interest Income 33.0 27.7 19%

Non-interest Income 9.0 14.9 -39%

Fee Income 8.1 8.2 -1%

Insurance Premiums 3.9 3.2 20%

Trading & FX (4.3) 2.2 -292%

Others 1.3 1.2 8%

Gross Operating Income 42.0 42.6 -1%

Operating Expense 26.8 28.3 -5%

Policy Reserves (1.5) 2.3 -164%

Pre-Provision Operating Profit 15.2 14.3 7%

Provisions 2.3 1.3 76%

Net Income Before Tax 13.0 13.0 0%

Taxes 4.2 3.2 30%

Net Income 8.8 9.8 -10%

Return on Common Equity 9.5% 11.8% -

BDO Conso

15

1Q20 Balance Sheet

(in PHP billion) 1Q20 1Q19 YoY%

Resources

Reserve Assets 523.5 488.3 7%

Investment Securities 446.5 436.7 2%

Gross Customer Loans 2,233.9 2,009.9 11%

Investment Properties 16.9 20.0 -15%

Other Assets 66.0 59.3 11%

Total Resources 3,286.8 3,014.1 9%

Liabilities

Deposits 2,575.2 2,361.4 9%

CASA 1,969.9 1,675.0 18%

Bills Payable/Sub-Debt 198.6 185.7 7%

Insurance Contract Liab. 41.7 33.2 26%

Other Liabilities 99.0 95.5 4%

Total Liabilities 2,914.6 2,675.7 9%

Total Capital 372.2 338.4 10%

Total Liabilities & Capital 3,286.8 3,014.1 9%

BDO Conso

16

17

BDO Loan Growth vs. Industry

BDO Loan Growth vs. Interest Income Growth

Loan growth negated

by declining ratesGood volume growth with stable yields

Growth tempered

by lower rates

*

* U/KBs of Feb 2020

9.8% 10.5% 10.0% 9.3% 10.3%18

Capital Ratiosa

Net Income & ROE

ROCE

a Per SOC, BSP

Industry ROEb

CARParent Conso

Min CET1 ratio w/ DSIB:

11.0% in 1Q-3Q19

10.5% starting 4Q19

bUKBs

19

Income Statement(in PHP billion) 2015 2016 2017 2018 2019 1Q20

Interest Income 72.1 82.0 99.8 129.1 160.6 40.7

Interest Expense 15.2 16.4 18.0 30.7 40.7 7.7

Net Interest Income 57.0 65.6 81.8 98.3 119.9 33.0

Non-interest Income 31.8 41.6 47.2 49.7 60.6 9.0

Fee Income 19.4 22.2 28.9 30.7 35.3 8.1

Insurance Premiums - 8.1 9.9 11.8 14.8 3.9

Trading & FX 7.2 4.8 3.9 2.2 5.7 (4.3)

Others 5.3 6.5 4.5 5.0 4.9 1.3

Gross Operating Income 88.8 107.2 129.0 148.0 180.5 42.0

Operating Expenses 55.1 70.0 84.9 98.0 115.2 26.8

Policy Reserves - 4.3 5.8 5.2 8.9 (1.5)

Pre-Provision Operating Profit 33.7 37.2 44.1 49.9 65.4 15.2

Provisions 3.0 3.8 6.5 6.3 6.2 2.3

Income bef. Pre-Acquisition 30.7 33.4 37.6 43.6 59.2 13.0

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

Taxes 5.7 6.8 9.5 11.0 15.0 4.2

Net Income 25.0 26.2 28.1 32.7 44.2 8.8

20

Balance Sheet(in PHP billion) 2015 2016 2017 2018 2019 1Q20

Resources

Reserve Assets 461.7 511.0 509.7 534.4 450.7 523.5

Investment Securities 225.8 269.0 332.9 385.2 435.9 446.5

Gross Customer Loans 1,279.4 1,482.0 1,754.9 2,020.1 2,208.1 2,233.9

Investment Properties 14.6 15.2 18.0 19.8 16.9 16.9

Other Assets 49.9 47.8 52.5 62.8 77.3 66.0

Total Resources 2,031.3 2,325.0 2,668.1 3,022.2 3,188.9 3,286.8

Liabilities

Deposits 1,663.9 1,905.2 2,121.0 2,420.0 2,485.2 2,575.2

Bills Payable/Sub-debt 107.6 110.6 140.5 153.7 177.6 198.6

Insurance Contract Liab. - 20.6 26.0 28.5 42.5 41.7

Other Liabilities 60.2 71.1 82.3 92.0 113.0 99.0

Total Liabilities 1,831.6 2,107.4 2,369.8 2,694.1 2,818.3 2,914.6

Total Capital 199.6 217.6 298.3 328.1 370.6 372.2

Total Liabilities & Capital 2,031.3 2,325.0 2,668.1 3,022.2 3,188.9 3,286.8

21

Financial Performance Indicators2015 2016 2017 2018 2019 1Q20

Profitability

Return on Ave. Common Equity 13.6% 12.7% 10.2% 10.7% 12.8% 9.5%

Return on Average Assets 1.3% 1.2% 1.1% 1.1% 1.4% 1.1%

Margins and Liquidity

Net Interest Margin (NIM) 3.2% 3.2% 3.5% 3.6% 4.2% 4.4%

Loan to Deposit Ratio 76.9% 77.8% 82.7% 83.5% 88.8% 86.7%

Liquid Assets to Total Assets 33.8% 33.5% 31.6% 30.4% 27.8% 29.5%

Liquidity Coverage Ratio (LCR) 109.2%

Cost Efficiency

Cost to Income Ratio 62.1% 65.3% 65.8% 66.3% 63.8% 63.8%

Cost to Assets Ratio 2.8% 3.2% 3.4% 3.4% 3.7% 3.3%

Asset Quality

NPL Ratio 1.2% 1.3% 1.2% 1.0% 1.2% 1.3%

NPL Cover 166.1% 139.3% 146.3% 183.1% 165.2% 151.4%

Capital and Leverageb

CET1 11.3% 10.6% 12.9% 12.1% 12.6% 12.7%

Tier 1 Ratio 11.7% 10.9% 13.1% 12.3% 12.8% 12.9%

Capital Adequacy Ratio (CAR) 13.3% 12.3% 14.5% 13.7% 14.2% 13.8%

Basel III Leverage Ratio (BLR) 10.0%aPer BSP Circ. 1011 8 9 10 11 12 12bPer SOC, BSP

  Basel III 

a aa

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

Shareholder Structure

• Majority owned by the SM Group

As of 31 March 2020

Name Nationality Shareholdings

Percentage

of

Ownership

SM Investments Corp. Filipino 1,750,930,649 39.95%

PCD Nominee Foreign 1,260,115,267 28.75%

PCD Nominee Filipino 876,617,402 20.00%

Multi-Realty Development Corporation

SM Prime Holdings

Filipino

Filipino

282,890,230

90,024,395

6.45%

2.05%

Sub-Total, Top Shareholders 97.20%

Total Shares Outstanding* 4,382,603,513

Source: Top 100 Shareholders as of 31 March 2020

23

*Number of chares outstanding subsequently increased to 4,382,611,513 as of April 16,2020 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 19,100 PHL tenants

• More than 9,500 suppliers

• 4.4 million average daily foot

traffic (not including China)

• 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 largest integrated

property developers in South East

Asia with strong presence in

lifestyle mall operations and

residential developments

• Dominant domestic mall

developer/operator - 74 malls in the

Philippines with GFA of 8.5 mn

sqm (with 7 more malls in China)

covering 1.3 million sqm of GFA) .

• Largest local retail chain with 2,799

stores nationwide (65 The SM Store,

1,609 specialty retail outlets, 58 SM

Supermarkets. 52 SM Hyper-

markets, 201 Savemore, 60

Waltermart, and 754 Alfamart)

• Biggest domestic banking

operations

• Interests in BDO and China Bank

The SM Group

• Harnessing synergies with the country’s largest conglomerate

▪ 7 directors have an average of 35 years of banking

experience, including a former Partner and Head of Asia

Financials Research at Goldman Sachs

▪ 1 director is a senior partner in one of the most prestigious

law firms in the Philippines while another is a bar topnotcher

and member of the New York State Bar

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

banking and finance, legal and business backgrounds

• Independent directors comprise 6 out of 11-member Board

Experienced

Bankers

Legal Experts

▪ 2 directors are successful businesspersons who have made

their mark in their respective fields

Successful

Entrepreneurs

Board of Directors

25

Board of Directors

• With broad business and professional experience

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.

George T. Barcelon

Independent Director — first appointed to the Board in 2019

◼ Currently Chairman of the Philippine Chamber of Commerce

and Industry

◼ The visionary behind Integrated Computer Systems Inc., a

Top 1000 company

Josefina N. Tan

Director — first appointed to the Board in 2007

◼ Former 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

◼ Former COO of the Financial Institution Services Group of BZW,

the investment banking subsidiary of the Barclays Group

◼ Holds Directorships of numerous BDO subsidiaries

◼ 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

Vicente S. Perez, Jr

Independent Director — first appointed to the Board in 2019

◼ Served as Secretary of the Department of Energy 2001-2005

◼ Chairman of Altenergy and Solar Pacific

◼ MBA Wharton School

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 CenterChristopher A. Bell-Knight

Director — re-elected to the Board in 2013

◼ Previously served as BDO Director from 2005-2010

◼ Former VP and Country Head of the Bank of Nova Scotia

◼ Associate of the Chartered Institute of Bankers - British

26

Senior Management Team • With extensive professional banking expertise

Corporate Support

Frederic Mark S. Gomez

Head — I.T.

◼ With BDO since 2017

◼ Over 30 years of financial and I.T. experience

Evelyn C. Salagubang

Head — HRG Recruitment

◼ With BDO since 2007

◼ Over 26 years experience in HR

Lucy Co Dy

Head — Comptrollership

◼ With BDO since 1985

◼ Over 31 years of banking experience

Edwin Romualdo G. Reyes

Head — Transaction Banking

◼ With BDO since 2015

◼ Over 31 years banking experience

Evelyn L. Villanueva

Head — Risk Management

◼ With BDO since 2002

◼ Over 31 years of banking experience

Luis S. Reyes Jr.

Head — IR & Corplan

◼ With BDO since 2003

◼ Over 40 years of banking experience

Ricardo V. Martin

COS-OP, Head — Compliance and Legal

◼ With BDO since 2007

◼ Over 37 years banking experience

Maria Theresa L. Tan

General Manager — BDO Insurance Brokers

◼ With BDO since 2009

◼ Over 23 years banking and insurance experience

Albert Santiago Yeo

President — BDO Private Bank

◼ With BDO since 2017

◼ Over 33 years of banking experience

Eduardo V. Francisco

President — BDO Capital & Investment

◼ With BDO since 1999

◼ Over 31 years of banking experience

Rafael G. Ayuste Jr.

Head — Trust and Investments

◼ With BDO since 2014

◼ Over 30 years of banking experience

Walter C. Wassmer

Head — Institutional Banking

◼ With BDO since 1997

◼ Over 31 years of banking experience

Rolando C. Tanchanco

Head — Consumer Banking

◼ With BDO since 2004

◼ Over 26 years of banking experience

Jaime C. Yu

Head — Branch Banking

◼ With BDO since 1997

◼ Over 35 years of banking experience

Dalmacio D. Martin

Head — Treasury

◼ With BDO since 2009

◼ Over 31 years of banking experience

Products, Services and SubsidiariesIntermediation

Nestor V. Tan

President and CEO

◼ With BDO since 1997

◼ Over 38 years of banking experience

Roberto E. Lapid

President — BDO Leasing and Finance

◼ With BDOLF since 1993

◼ Over 35 years of banking experience

Estrellita V. Ong

Head — Internal Audit

◼ With BDO since 2011

◼ Over 24 years experience in audit

Renato Vergel de Dios

President & CEO – BDO Life Assurance

◼ With BDO since 2016

◼ Over 41 years of insurance experience

Jesus Antonio Saldaña Itchon

President, BDO Network Bank

◼ With BDO since 2017

◼ Over 31 years of banking experience

Maria Cecilia G. Fonacier

Head — Marketing Communications

◼ With BDO since 2017

◼ Over 25 years of banking experience

Joseph Albert L. Gotuaco

Head — Central Operations Group

◼ With BDO since 2019

◼ Over 30 years of banking experience

27*COS-Chief of Staff, OP-Office of the President

Alvin C. Go

Head — Legal

◼ With BDO since 2013

◼ In the practice of law for 31 years

Atty. Federico P. Tancongco

Chief Compliance Officer

◼ With BDO since 2005

pliance Over 25 years of banking experience

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

Sustainability Report for 2018

Click

here

Full report can be accessed at: www.bdo.com.ph under Company Disclosures:

https://www.bdo.com.ph/sites/default/files/pdf/2018-BDO-Sustainability-Report.pdf

Outlines BDO’s sustainability strategies covering:

• Products

• Sustainability contribution

• Human capital

• Disaster response

• Governance

Reports on the Bank’s 2018 economic, environmental, social and governance performance

Conforms with Global Reporting Initiative (GRI) standards

29

BDO’s Path in Creating Shared Value

In Support of the UN Sustainable Development Goals

Sustainability Philosophy

We seek to achieve strategic resilienceby incorporating sustainability in theway we do business.

We aim to embed sustainabilityprinciples when making decisions,assessing relationships, and creatingproducts.

BDO’s commitment to sustainability isfostered at the Board level. It anchorsits sustainable development strategy tothe United Nations SustainableDevelopment Goals (SDGs). The Bankalso upholds the 10 Principles of theUnited Nations Global Compact.

32

Sustainability Framework

33

ESG Recognition / Awards

Silver Awardee Corp Governance Scorecard

Awardee for fourteen (14) 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 2013-2018

Asian Banking

& FinanceCorporate Social Responsibility Program

of the Year – Gold (2017-2018)

34

BDO Unibank is a

constituent of the

FTSE4Good Index

http://www.ftse.com/products/indice

s/FTSE4Good

2019 Asia Corporate Excellence

and Sustainability

(ACES) Awards

Industry Champion of the Year

Forbes 2018GLOBAL 2000

Top Regarded Companies (#140) Top World’s Best Employers (#24)

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

Awards and Citations, 2014-2019

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

(2014-2018)

The Asian BankerStrongest Bank, Philippines

(2018-2019)

36

Best

Debt/Equity,

M&A

House

Best

Investment

Bank

Best

Private

Bank

Best Project

Finance

Bank

Best Retail &

Wholesale

Bank

Awards and Citations, 2014-2019

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

Awards and Citations, 2014-2019

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

& Finance

Social Media Initiative of the Year

The AssetBest Retail Social-Media

Banking Experience, Philippines (2015-2018)

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

Awards and Citations, 2014-2019

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

FinanceAsia

Among the Best Managed Public Companies

Asiamoney

Nestor V. TanBest Executive

Most Organized Investor Relations

Best IR Company (Philippines)

Among the Best Senior Management IR Support

Teresita T. Sy-CosonAsia’s Best CEO Award

Best FX Provider in the

Philippines

Best Investment

Management Company

- Philippines

Teresita T. Sy (2016)

Nestor V. Tan (2019)

Management Man of

the Year Among the Best at

Investor Relations

FinanceAsia

Management

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 Award

Best Corporate CommunicationsBest Wealth Manager, Philippines (2017)

Institutional

Investor

Nestor V. TanBest CEO – Emerging Markets

(Philippines)

Corporate

Governance

Asia15th Asian ESG

Awards 2019Teresita T. Sy-Coson,

ChairpersonAsian Corporate Director of the

Year

Nestor V. TanPresident & CEO

Asian Corporate Director of the Year

International Banker

Nestor V. Tan

Banking CEO of the Year (2019)

40

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Other Relevant Links:

BDO 2018 Annual Report

https://www.bdo.com.ph/sites/default/files/pdf/BDO%20Unibank%202018%20Annual%20Report.pdf

BDO 2018 Annual Report Financial Supplements

https://www.bdo.com.ph/sites/default/files/pdf/BDO%20Unibank%202018%20Annual%20Report%20Financial%20Supple

ments.pdf

BDO 2019 Audited Financial Statements

https://www.bdo.com.ph/sites/default/files/pdf/BDO%20-

%20Audited%20Financial%20Statements%20(February%2027,%202020).pdf

Thank you.

www.bdo.com.ph