Investor Presentation 1Q21 Results

July 2021

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 P3.4 Tn (USD68.5 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 2020

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

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

P3.4 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

16 International Offices

Luzon 503

Metro Manila 618

Visayas 168

Mindanao 196

As of 31 May 2021

6

Market Reach• Wide and extensive coverage in key areas

North America – 2

Remittance Offices

Philippines

1,485 Branches & Offices[1]

4,400+ATMs

Asia – 10

2 Full-service Branches

5 Remittance Offices

3 Representative Offices

Middle East – 1

Representative Office

Europe – 3

1 Remittance Office

2 Representative Offices

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

1,631

849

583

348213 152 127 77 76 42

BPI MBT LBP CHIB PNB RCBC UBP SECB BCOM

2,633

2,124

1,739 1,673

880 848 817563 519 500

LBP MBT BPI DBP PNB CHIB RCBC SECB UBP

2,202

1,4081,191

797625 571 483 442 417 322

BPI MBT LBP PNB CHIB RCBC SECB DBP UBP

3,334

2,409 2,3742,151

1,145 1,106 1,004805 745 718

LBP MBT BPI PNB DBP CHIB RCBC UBP SECB

Notes:

Ranking and market share based on compilation of consolidated published statements of condition (SOC) of U/KBs as of 31 Mar 2021.

Financials prepared by banks under BSP’s SOC requirements differ slightly from reported financials under SEC guidelines due to certain differences in

accounting rules followed by the two authorities. 8

Industry Ranking

Total Assets

(in PHP billions)

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 – 38%

BDO Market Share – 23%BDO Market Share – 18%

BDO Market Share – 18%

*

BDO Private Bank, Inc. 100%

BDO Capital & Investment Corporation 99.88%

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%

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 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 99.88%

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%

BDO Finance Corporation 100%

6,863

6,756

6,737

6,703

6,660

6,564

6,312

6,307

6,285

6,285

5800 6000 6200 6400 6600 6800 7000

NorddeutscheLandesbak

Millenium BCP

OTP Bank

National Bank ofGreece

BDO Unibank

First CommercialBank

Turkiye Halk Bankasi

Nanyang CommercialBank

Hachijuni Bank

Zions Bancorporation

The Banker Top 1000 World Banks – Tier 1 Capital 2019

10

USD Million

210

Rank Origin Bank

214

211

213

216

217

218

219

212

215

The Banker Top Philippine Banks – Tier 1 Capital 2019

USD MillionBank

1

Rank

2

3

4

5

6

7

8

Acronyms:

BDO BDO Unibank PNB Philippine National Bank

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

CHIB China Banking Corp. SECB Security Bank Corp.

MBT Metropolitan Bank & Trust UBP Union Bank of the Philippines

11

6,660

5,445

4,936

2,454

2,123

1,602

1,404

1,383

MBT

BPI

PNB

SECB

CHIB

UBP

RCBC

Credit Ratings

Moody’s Fitch

26-Nov-2020 12-Oct-2020

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* 4,384,837,215

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

13

*as of July 2, 2021

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

1Q21 P&L

(in PHP billion) 1Q21 1Q20 YoY%

Interest Income 35.5 40.7 -13%

Interest Expense 3.5 7.7 -55%

Net Interest Income 32.0 33.0 -3%

Non-interest Income 15.4 12.7 21%

Fee Income 8.1 8.1 0%

Insurance Premiums 5.1 3.9 31%

Trading & FX 0.8 (0.6) 238%

Others 1.4 1.3 6%

Gross Operating Income 47.4 45.7 4%

Operating Expense 31.1 30.5 2%

Pre-Provision Operating Profit 16.3 15.2 7%

Provisions 2.9 2.3 30%

Net Income Before Tax 13.4 13.0 3%

Taxes 3.0 4.2 -29%

Net Income 10.4 8.8 19%

Return on Common Equity 10.6% 9.5%

BDO Conso

*

15

* Negative base to positive

*

1Q21 Balance Sheet

(in PHP billion) 1Q21 1Q20 YoY%

Resources

Reserve Assets 634.1 523.5 21%

Investment Securities 482.0 446.5 8%

Gross Customer Loans 2,217.9 2,233.9 -1%

Investment Properties 15.5 16.9 -8%

Other Assets 46.8 66.0 -29%

Total Resources 3,396.4 3,286.8 3%

Liabilities

Deposits 2,631 2,575 2%

CASA 2,178 1,970 11%

Bills Payable/Sub-Debt 207.3 198.6 4%

Insurance Contract Liab. 57.0 41.7 37%

Other Liabilities 99.8 99.0 1%

Total Liabilities 2,995.5 2,914.6 3%

Total Capital 400.9 372.2 8%

Total Liabilities & Capital 3,396.4 3,286.8 3%

BDO Conso

16

9.3 11.1

10.7

6.4

2.5

(0.7)

10.9 13.6

9.6

2.6

(0.7)

(4.5) (5.0)(4.0)

(8.0)

(4.0)

-

4.0

8.0

12.0

16.0

Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21

(%)

BDO

Industry

17

Loan Growth

May-21

a Universal/Commercial Bank (UKB) data

12.7% 12.7%13.2% 13.2%

13.6%

13.8% 13.8%14.3% 14.3% 14.7%

1Q20 2Q20 3Q20 4Q20 1Q21

Tier 2

Tier 1

CET 112.2% 12.1%12.7% 12.7%

13.1%

13.4% 13.3%13.8% 13.8%

14.2%

6%

8%

10%

12%

14%

16%

1Q20 2Q20 3Q20 4Q20 1Q21

Capital Adequacy Ratioa

Min

CET1

Ratio

with

D-SIB

Parent Conso

a Per SOC, BSP

18

CAR

Net Income & ROE

Industry

ROE (%) 10.5 10.0 9.3 10.3 6.6 6.5

26.228.1

32.7

44.2

28.2

10.4

12.7%

10.2% 10.7%

12.8%

7.6%

10.6%

-10.0%

-5.0%

0.0%

5.0%

10.0%

15.0%

0

10

20

30

40

50

60

2016 2017 2018 2019 2020 1Q21

(in P bn) NetIncome

ROE

19Note: * Restated 2018 and 2019 to align with 2020 AFS presentation of netting out BDO Life VUL-related policy reserves in trading line.

Income Statement(in PHP billion) 2016 2017 2018* 2019* 2020 1Q21

Interest Income 82.0 99.8 129.0 160.6 157.0 35.5

Interest Expense 16.4 18.0 30.7 40.7 23.3 3.5

Net Interest Income 65.6 81.8 98.3 119.9 133.7 32.0

Non-interest Income 41.6 47.2 50.4 60.1 55.2 15.4

Fee Income 22.2 28.9 30.7 35.3 28.6 8.1

Insurance Premiums 8.1 9.9 11.8 14.8 15.0 5.1

Trading & FX 4.8 3.9 2.9 5.2 7.3 0.8

Others 6.5 4.5 5.0 4.9 4.3 1.4

Gross Operating Income 107.2 129.0 148.7 180.0 188.9 47.4

Operating Expenses 70.0 84.9 98.8 114.6 112.6 31.1

Policy Reserves 4.3 5.8 6.0 8.4 10.0 3.0

Pre-Provision Operating Profit 37.2 44.1 49.9 65.4 76.3 16.3

Provisions 3.8 6.5 6.3 6.2 30.2 2.9

Income bef. Pre-Acquisition 33.4 37.6 43.6 59.2 46.0 13.4

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

Taxes 6.8 9.5 11.0 15.0 17.8 3.0

Net Income 26.2 28.1 32.7 44.2 28.2 10.4

20

Balance Sheet(in PHP billion) 2016 2017 2018 2019 2020 1Q21

Resources

Reserve Assets 511.0 509.7 534.4 450.7 532.2 634.1

Investment Securities 269.0 332.9 385.2 435.9 508.8 482.0

Gross Customer Loans 1,482.0 1,754.9 2,020.1 2,208.1 2,263.7 2,217.9

Investment Properties 15.2 18.0 19.8 16.9 15.9 15.5

Other Assets 47.8 52.5 62.8 77.3 54.4 46.8

Total Resources 2,325.0 2,668.1 3,022.2 3,188.9 3,374.9 3,396.4

Liabilities

Deposits 1,905.2 2,121.0 2,420.0 2,485.2 2,610.2 2,631.4

Bills Payable/Sub-debt 110.6 140.5 153.7 177.6 209.7 207.3

Insurance Contract Liab. 20.6 26.0 28.5 42.5 58.4 57.0

Other Liabilities 71.1 82.3 92.0 113.0 103.6 99.8

Total Liabilities 2,107.4 2,369.8 2,694.1 2,818.3 2,981.9 2,995.5

Total Capital 217.6 298.3 328.1 370.6 393.0 400.9

Total Liabilities & Capital 2,325.0 2,668.1 3,022.2 3,188.9 3,374.9 3,396.4

Financial Performance Indicators2016 2017 2018* 2019* 2020 1Q21

Profitability

Return on Ave. Common Equity 12.7% 10.2% 10.7% 12.8% 7.6% 10.6%

Return on Average Assets 1.2% 1.1% 1.1% 1.4% 0.9% 1.2%

Margins and Liquidity

Net Interest Margin (NIM) 3.2% 3.5% 3.6% 4.2% 4.4% 4.1%

Loan to Deposit Ratio 77.8% 82.7% 83.5% 88.8% 86.7% 84.3%

Liquid Assets to Total Assets 33.5% 31.6% 30.4% 27.8% 30.8% 32.9%

Liquidity Coverage Ratio (LCR) 108.4% 127.1% 134.9%

Cost Efficiency

Cost to Income Ratio 65.3% 65.8% 66.4% 63.7% 59.6% 65.6%

Cost to Assets Ratio 3.2% 3.4% 3.5% 3.7% 3.4% 3.7%

Asset Quality

NPL Ratio 1.15% 1.09% 0.96% 1.13% 2.65% 2.81%

NPL Cover 144.6% 149.6% 188.7% 168.5% 109.5% 107.1%

Capital and Leveragec

CET1 10.6% 12.9% 12.1% 12.6% 13.2% 13.6%

Tier 1 Ratio 10.9% 13.1% 12.3% 12.8% 13.4% 13.8%

Capital Adequacy Ratio (CAR) 12.3% 14.5% 13.7% 14.2% 14.3% 14.7%

Basel III Leverage Ratio (BLR) 10.0% 10.2% 10.4%aPer BSP Circ. 941 9 10 11 12 12 12bPer BSP Circ. 1011cPer SOC, BSP

  Basel III 

b bb

a aaa

b

a

21

Note: * Restated 2018 and 2019 to align with 2020 AFS presentation of netting out BDO Life VUL-related policy reserves in

trading line.

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

23

Shareholder Structure

• Majority owned by the SM Group

As of 31 March 2021

Name Nationality Shareholdings

Percentage

of

Ownership

SM Investments Corp. Filipino 1,750,930,649 39.93%

PCD Nominee Foreign 1,093,087,525 24.93%

PCD Nominee Filipino 1,042,969,588 23.79%

Multi-Realty Development Corporation

SM Prime Holdings

Filipino

Filipino

282,890,230

90,024,395

6.45%

2.05%

Sub-Total, Top Shareholders 97.15%

Total Shares Outstanding* 4,384,543,615

Source: Top 100 Shareholders as of 31 March 2021

*Number of chares outstanding subsequently increased to 4,384,837,215 as of July 2,2021 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.

Financial

Services

Property

Retail

Access to SM’s customer

network

• Over 17,000 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 leading property

developers in South East Asia with

strong presence in lifestyle mall

operations and residential

developments

• Dominant domestic mall

developer/operator - 76 malls in

the Philippines with GFA of 8.7

mn sqm (with 7 more malls in

China).

• Largest local retail chain with 3,035

stores nationwide (66 The SM Store,

1,530 specialty retail outlets, 59 SM

Supermarkets, 52 SM Hyper-

markets, 213 Savemore, 71

WalterMart, and 1,044 Alfamart).

• Biggest domestic banking

operations

• Interests in BDO and China Bank

The SM Group• Harnessing synergies with the country’s largest conglomerate

24

7 directors have an average of 37 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 5 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. SyChairperson — 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. BarcelonIndependent 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 companyJosefina N. TanDirector — 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. TanPresident 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 I. RamosIndependent 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, JrIndependent 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. TeodoroIndependent 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.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. BuenaventuraIndependent 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-KnightDirector — 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

Edwin Romualdo G. Reyes Head — Transaction Banking

With BDO since 2015

Over 33 years banking experience

Maria Theresa L. Tan General Manager — BDO Insurance

With BDO since 2009

25-year banking and insurance

experience

Albert S. YeoPresident — BDO Private Bank

With BDO since 2017

Over 35 years banking experience

Eduardo V. Francisco Head — Investment Banking

With BDO since 1999

33 years banking experience

Rafael G. Ayuste Jr. Head — Trust and Investments

With BDO since 2014

Over 32 years of banking

experience

Rolando C. Tanchanco Head — Consumer Banking

With BDO since 2004

Over 28 years banking

experience

Jaime C. Yu Head — Branch Banking

With BDO since 1997

Over 37 years of banking

experience

Dalmacio D. MartinHead — Treasury

With BDO since 2009

Over 33 years of banking

experience

Nestor V. Tan President and CEO

With BDO since 1997

Over 39 years of banking

experience

Jesus Antonio S. Itchon President — BDO Network Bank

With BDO since Sep. 15, 2017

Over 33 years of banking

experience

27

Products, Services and SubsidiariesIntermediation

Renato A. Vergel de Dios President & CEO – BDO Life

Assurance Co. Inc.

With BDO since 2016

Over 43 years of experience in

insurance

Walter C. Wassmer Head — Business Lending

With BDO since 1997

Over 33 years of banking

experience

Senior Management Team • With extensive professional banking expertise

Nestor V. Tan President and CEO

With BDO since 1997

Over 39 years of banking

experience

28

Corporate Support

Luis S. Reyes Jr.

Head — IR & Corplan

With BDO since 2003

Over 42 years of banking

experience

Estrellita V. Ong Head — Internal Audit

With BDO since 2012

Over 26 years experience in

audit

Lucy Co Dy Head — Comptrollership

With BDO since 1985

Over 33 years of banking

experience

Alvin C. Go Head — Legal

With BDO since 2013

In the practice of law for 33

years

Joseph Albert L. GotuacoHead — Central Operations Group

With BDO since 2019

Over 32 years of banking

experience

Frederic Mark S. GomezHead — I.T.

With BDO since 2017

Over 32 years financial services

experience

Evelyn C. Salagubang Head — HRG Recruitment

With BDO since 2011

Over 28 years experience in

HR

Federico P. Tancongco Head — Compliance

With BDO since 2005

Over 27 years of banking

experience

Evelyn L. Villanueva Head — Risk Management

With BDO since 2002

Over 33 years of banking

experience

Lazaro Jerome C. GuevarraCOS-OP — Compliance & Legal

With BDO since 2001

Over 32 years of banking

experience

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

2020 Sustainability Report

Full report can be accessed at BDO 2020 Sustainability Report

UNITED NATIONS SUSTAINABILITY

DEVELOPMENT GOALS

Product Sustainability

Sustainability Contribution to National Economic Goals

UNITED NATIONS SUSTAINABILITY

DEVELOPMENT GOALS

TRANSLATING GOALS INTO

ACTIONS

Kabuhayan Loan

Zero Collateral

Affordable loans from P30k to P1M

Over 50% MSMEs financed are

women-owned

Human Capital Sustainability

Disaster Response Sustainability

Governance-Based Sustainability

UNITED NATIONS SUSTAINABILITY

DEVELOPMENT GOALS

TRANSLATING GOALS INTO

ACTIONS

• 355 Relief Operations

conducted to date

• 100 Rural health units

rehabilitated to date

• 16 School buildings

repaired to date

34

BDO Sustainable Energy Finance

4 59 12

18 1924

41

110119

0

20

40

60

80

100

120

140

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

(Php bn)

The SEF program financed

renewable energy, energy

efficiency and green building

projects.

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

(2019-2020)

Among the recipients of the 6th, 7th and 10th 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)

35

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)

Enterprise AsiaBDO Foundation, Inc.: Asia

Responsible Enterprise Awards 2020 (AREA 2020) under the Social

Empowerment category, 2017-2020

Finance AsiaRanked 2nd in Best Corporate

Governance

Asian Banking & FinanceBDO Foundation: Financial

Inclusion Initiative of the Year (2020)

Presentation Outline

I. Overview

II. Financial Highlights

III. Ownership, Board and Management

IV. Sustainability

V. Awards and Citations

Awards and Citations, 2016-2021

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

(2016-2020)

The Asian BankerStrongest Bank, Philippines

(2018-2019)

37

International BankerBest Commercial Bank

(2020)

Forbes 2021GLOBAL 2000

Most Powerful Bank

Best

Debt/Equity,

M&A

House

Best

Investment

Bank

Best

Private

Bank

Best Project

Finance

Bank

Best Retail &

Wholesale

Bank

Awards and Citations, 2016-2021

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

FinanceAsiaFinanceAsia FinanceAsia

The Asset

The Asset

The AssetThe AssetThe Asset

Euromoney

Global Finance

Asian Private

Banker

Asiamoney Asiamoney

AsianInvestor

Euromoney

Asiamoney

Project Finance

Magazine

Global Finance

World FinanceBest Investment Management

Company

Best Corporate & Investment

Bank, Philippines – BDO

Capital

Asian Banking

& FinanceWealth Management Platform

of the Year, Philippines –

BDO Private Bank

Best

in Trade

Finance

Best in

Fund

Management

Best

FX Bank/

Provider

Awards and Citations, 2016-2021

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

Cash Management –

Market Leader in the

Philippines Reader’s

DigestSILVER – Internet

Banking

Excellence in

Investor

Relations

Best

in Trade

Finance

Best in

Fund

Management

Best

FX Bank/

Provider

Awards and Citations, 2016-2021

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 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, 2019-2020)

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 BankerNestor V. Tan

Banking CEO of the Year (2019)

Dalmacio D. Martin.Asia’s Best CFO Award

Best CEO – Nestor V. Tan

Other Relevant Links:

BDO 2020 Annual Report

https://www.bdo.com.ph/sites/default/files/pdf/BDO%20Unibank%202020%20Annual%20Report.pdf

BDO 2020 Annual Report Financial Supplements

https://www.bdo.com.ph/sites/default/files/pdf/BDO%20Unibank%202020%20Annual%20Report%20Financial%20Supple

ments.pdf

BDO 2020 Audited Financial Statements

https://www.bdo.com.ph/sites/default/files/pdf/BDO-2020-AFS.pdf

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exclusive property of BDO Unibank, Inc. (“BDO”) and shall only be used for the purpose intended herein. None of the information

contained in this Presentation constitutes a solicitation, offer, opinion, or recommendation by BDO to buy or to sell any securities or

financial instrument or to provide any investment service or investment advice. The information contained in this Presentation is based

on carefully selected sources believed to be reliable but no representation or warranty as to its accuracy or completeness is made. All

statements in this Presentation, other than statements of historical facts, that address activities, events, or developments that BDO

expects or anticipates will or may occur in the future (including but not limited to projections, targets, estimates and business plans) are

forward-looking statements. BDO’s actual results or developments may differ materially from those expressed or implied in these

forward-looking statements as a result of various factors and uncertainties, including but not limited to price fluctuations, actual

demand, exchange rate fluctuations, market shares, competition, changes in legal, financial and regulatory frameworks, international

economic and financial market conditions, political risks, cost estimates, and other risks and factors beyond our control. Your use of

the Presentation shall be at your sole risk and you shall form your own conclusions as to the reliability of any information presented

and as to any conclusions to be drawn therefrom. BDO shall not be directly or indirectly liable, in any way, for any inaccuracies, errors,

or omissions in the Presentation , including but not limited to any quotes or financial data contained therein, nor for any damages

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

Investor Relations & Corplan:

4/F South Tower, BDO Corporate Center 7899 Makati Avenue, Makati City 0726, Philippines

Phone: (632) 8 840 7000 (loc. 6069)

Fax: (632) 8 878 4151

Email: irandcorplan@bdo.com.ph

Website: www.bdo.com.ph

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YouTube: https://www.youtube.com/user/BDOPhilippines

41

Thank you.

www.bdo.com.ph