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BDO Corporate Center 7899 Avenue, Makati City Tel. 840-7000 www.bdo.com.ph

2010 ANNUAL REPORT Production Corporate Affairs, BDO Marketing Communications Design and Concept Xpress Media , Inc. Photography Wig Tysmans and Francis Rivera Printing Transprint Corporation 2010 Annual Report

We find ways®

Table of CONTENTS

01 Financial Highlights

02 Message from the Chairman Emeritus

04 Message from the Chairman

06 Message from the Review of Operations President 35 Statements of Income 08 Review of Operations: Economic Environment 36 Management Directory

10 Review of Operations: 38 Products and Services Operational Highlights 39 BDO Group of 18 Accolades Companies

20 Corporate Governance 40 Branch Directory

24 Corporate Social Responsibility Corporate Social Responsibility

28 Board of Directors

30 Directors’ Profile

33 Statement of Management’s Responsibility for Financial Statements

34 Statements of Financial Position

Products and Services We find ways

CORPORATE PROFILE

he product of a merger heralded as CORPORATE MISSION unprecedented in size and scale in the Philippine To be the preferred bank in every banking industry, Unibank (BDO) market we serve by consistently providing innovative products today represents a firm consolidation of distinct and flawless delivery of services, strengths and advantages built over the years by proactively reinventing ourselves T to meet market demands, creating the entities behind its history. BDO is an institution that shareholders value through superior honors its past, continues to improve on its present, and returns, cultivating in our people a moves towards the future with confidence and strength. sense of pride and ownership, and striving to be always better than what BDO is a full-service . It has the we are today…tomorrow. ability to provide a complete array of industry-leading

CORE VALUES products and services to the retail and corporate markets including Lending (corporate, middle market, SME, Commitment to Customers and consumer), Deposit-taking, Foreign Exchange, We are committed to deliver products and services that surpass customer Brokering, Trust and Investments, Credit Cards, expectations in value and every aspect Corporate Cash Management and Remittances. Through of customer service, while remaining to be prudent and trustworthy its subsidiaries, the Bank offers Leasing and Financing, stewards of their wealth. Investment Banking, Private Banking, Bancassurance,

Commitment to a Dynamic and Efficient Insurance Brokerage and Stock Brokerage services. Organization BDO’s institutional strengths and value-added We are committed to creating an products and services hold the key to its successful organization that is flexible, responds to change and encourages innovation business relationships with customers. On the front and creativity. We are committed line, its branches remain at the forefront of setting high to the process of continuous improvements in everything we do. standards as a sales and service-oriented, customer- focused force. Through selective acquisitions and Commitment to Employees organic growth, BDO has positioned itself for increased We are committed to our employees’ growth and development and we balance sheet strength and continuing expansion into will nurture them in an environment new markets. where excellence, integrity, teamwork, professionalism and performance are BDO is a member of the SM Group, one of the valued above all else. country’s largest and most successful conglomerates

Commitment to Shareholders with businesses spanning between retail, mall We are committed to provide our operations, property development (residential, shareholders with superior returns over commercial, resorts/hotel), and financial services. the long term. Although part of a family conglomerate, BDO’s day-to- day operations are handled by a team of professional managers and bank officers. 2010 Annual Report Financial Highlights

In Billion Pesos 2010 2009 Change Resources 1,000.9 862.0 16% Gross Customer Loans 541.5 472.7 15% Deposits 782.6 694.7 13% Equity 88.7 67.9 31% Net Profit* 8.8 6.0 46%

OPERATING HIGHLIGHTS Number of Operating Branches 726 707 3% Number of ATMs 1,430 1,354 6% Number of Employees 20,053 18,858 6%

FINANCIAL PERFORMANCE INDICATORS (in %) Return on Average Equity 11.3% 9.7% 160 bps Return on Average Resources 1.0% 0.7% 30 bps Net Interest Margin 4.1% 4.1% 0 bp Capital Adequacy Ratio 13.8% 12.2% 160 bps

SHAREHOLDER INFORMATION Share Price (end-of-period, in Pesos) 58.50 39.00 50% Basic Earnings per Share (in Pesos) 3.37 2.57 31% Diluted Earnings per Share (in Pesos) 3.37 2.47 36% Cash Dividends per Common Share (in Pesos) 0.80 0.28 186% Book Value per Share (in Pesos) 31.84 26.61 20% Price to Book Value Ratio (x) 1.8x 1.5x

*Attributable to Shareholders of the Parent Bank

Gross Resources Customer Loans Deposits Equity Net Profit* in Billion Pesos in Billion Pesos in Billion Pesos in Billion Pesos in Billion Pesos

783 1200 600 800 100 10

542 89 8.8 695 700 1,001 1000 500 473 637 80 8 862 600 802 68 393 800 400 60 6.5 470 6.0 617 500 57 445 60 6 629 52 297 600 300 400 258 4.0 40 4 300 400 200

200 2.2 20 2 200 100 100

0 0 0 0 0 0607080910 06 07 08 09 10 06 07 08 09 10 06 07 08 09 10 06 07 08 09 10

1 We find ways

Building for the Future Message from the Chairman Emeritus

Dear shareholders,

e have gone a long way from our humble Wbeginnings when we started in the late 70s as a thrift bank. Back then, we were considered an insignificant player in the Philippine banking sector. Today, we are recognized as the country’s largest bank in assets, but more so admired and honored by prestigious international and local financial institutions.

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We continued our leadership in almost all market segments, including the most number of deposits; trust assets; gross customer loans; cardholder base; and OFW remittance transactions. This growth story would not have been possible had it not been for your confidence and support. I would like to take this opportunity to thank our directors and officers for the dedication and creativity in making BDO what it is today. Most especially, I thank you, our valued shareholders, for the trust and patronage you have consistently given the Bank. Rest assured we will continue to enhance shareholder’s value through new opportunities. BDO is not only building for its future, but also building for the future of the Philippines.

Sincerely,

HENRY T. SY, SR.

3 We find ways

Responding to Clients’ Changing Needs Message from the Chairman

Your Bank maintained its leadership anco De Oro in the many aspects of the industry’s ranking as shown by the recognitions Unibank, Inc. awarded to us by various local and foreign financial institutions. While it considers 2010 a was challenging each time we think of B ways to satisfy the needs of our diverse good year. customers -- from a conservative client to an expanding small and medium enterprise up to a large corporation We are pleased to report embarking on a big-ticket project -- we always try our best to find ways to that your Organization’s deliver. One of the important aspects of our total resources touched assets is the team members of the Bank, whose talent, creativity, competence the P1-trillion mark, and hard work elevated BDO to a better position. I thank them for doing their making it the first local job and for doing them well. Throughout all the business bank to accomplish such a activities, we have also involved ourselves in programs assisting the communities we are serving by helping milestone. uplift the lives of the underprivileged in the areas of shelter, livelihood and education.

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We may face another tough year in 2011 with the series of untoward events happening globally and the challenges our own country faces, but knowing how resilient our economy is, we are optimistic we can respond to the changing needs of our clients. In closing, I’d like to thank all the members of the board and advisers for their valuable insights and guidance during the entire year; our shareholders for the immeasurable support; and our clients for their unfaltering trust and faith in what we do. Together, let us continue to make BDO the best bank of choice.

TERESITA T. SY

5 We find ways

Sustaining the Momentum Message from the President

Your BDO today has the foundations et me start by saying to perform well in the industry. It has a strong franchise and is considered a that your Bank had leader in a number of business lines. It is now ranked 1st in terms of resources, a good year in 2010 assets under management, deposits, L customer loans and capital. In addition and remained on track to its traditional large and middle market corporate business, BDO’s with its long-term plans consumer business is now among the best in the industry anchored on post merger. Admittedly, a strong branch network, a robust consumer lending franchise and an industry-leading remittance business. though, those long-term Earnings quality is high with close to 90 percent of income coming from strategies were in some way recurring and sustainable sources. The Bank’s financial position remains sidetracked in 2008 as a very strong, with conservatively valued assets and a more than adequate result of the global financial capital base. In addition, we have taken steps to account for another crunch. That is now behind possible economic challenge like we have seen in the 1997 Asian crisis and us and, at this point, we are the 2008 global setback. The challenge going forward for us is to sustain in a very strong position to our momentum and to guard against complacency. move forward.

6 2010 Annual Report

Looking ahead, 2011 may present uncertainties as we face a rising interest rate environment and concerns in the political and economic arena worldwide. Nevertheless, I believe BDO will continue to outperform industry expectations and achieve above average growth in net profit. While we are making major strides in performance, we remain a work in progress. I would like to thank you for your continued support and commitment. I also would like to take this opportunity to thank our board of directors, officers and staff, and loyal clients for their support in getting BDO to where it is now.

NESTOR V. TAN

7 We find ways

Review of 2010 Operations

Economic Environment Posting Gains on Solid Fundamentals

he Philippine economy recorded its best performance in over three decades with a 7.3% growth in gross domestic product (GDP) in 2010, surpassing the government’s Tinitial target of 5% to 6%. This growth was bolstered by: t4VTUBJOFEDPOTVNQUJPOTQFOEJOH t*OWFTUNFOUHSPXUIPOBGBWPSBCMFEPNFTUJDNBDSPFDPOPNJDFOWJSPONFOUBOE t&MFDUJPOSFMBUFEFYQFOEJUVSFT HPWFSONFOUTQFOEJOH BOEFYQPSUSFDPWFSZ

Market pundits said the strong Gross Domestic Product food prices, electricity rate cuts, and price fundamentals of the Philippine economy rollbacks for socially sensitive products allowed it to expand and triumph over kerosene and liquefied petroleum gas a challenging external environment 7.3% or LPG. The peso appreciation also caused by a weak US recovery, lingering tempered the impact of imported inflation European sovereign debt crisis, rising notwithstanding rising global commodity 1.1% global inflation pressures, as well as price pressures. The average inflation rate capital influx from the impact of US was 3.8% for 2010 versus 3.2% in 2009, Quantitative Easing (QE2), a monetary 2009 2010 falling near the low end of the Bangko policy used by some Central Banks to Sentral’s 3.5%-5.5% inflation target. (“Parma”) that hit the country in late 2009. stimulate the economy. Meanwhile, exports grew 26% in 2010 Consumption spending in 2010 FOREIGN EXCHANGE on inventory restocking and increased rose 5.3 % on the back of low inflation external demand following the global and interest rates, as well as higher The peso strengthened to P43.88/US$1 downturn in 2009. remittances from the Overseas Filipino by year-end 2010 from the P46.36/US$1 The broad-based demand showed in Workers (OFW) and steady revenues end-of-period rate in 2009; while the the favorable performance in industry from the Business Process Outsourcing average foreign exchange rate rose 5.6% and services. Among the industry (BPO) sector. And with the renewed to P45.11/US$1 in 2010 from P47.64/US$1 sectors, manufacturing and mining were investors’ confidence following the in 2009. clear winners with annual growth rates election of Benigno “Noynoy” C. The peso’s strong performance was of 12.3% and 18.4%, respectively, as these Aquino III as the 15th President of the boosted by the strong OFW remittances benefited from the big export rebound Philippines, fixed investments increased (+8.2% year-on-year to US$18.8 billion); and favorable global prices. Meanwhile, 17% channeled largely to construction higher BPO incomes (US$9.0 billion); services grew by 7.1%, led by real estate, and increased export earnings (US$51.4 and durable goods to meet growing trade, and private services. Only the farm billion in 2010 vs. US$38.4 billion in 2009). demand. sector posted a decline due to the impact Further adding to dollar liquidity was Election spending created demand of the El Nino. the surge in portfolio investments to for campaign-related goods and US$4.6 billion in 2010 from just US$388 services, generating seasonal jobs and INFLATION million the previous year. Foreign capital extra incomes. Government spending had shifted to emerging markets like the was frontloaded in the first half of the From a high of 4.4% in April and May, Philippines that offered higher yields year to rebuild the areas damaged by the headline inflation rate settled at 3% compared to the near-zero interest typhoons Ondoy (“Ketsana”) and Pepeng in November and December on stable rate in the US following the US Fed’s

8 2010 Annual Report

second round of “Quantitative Easing” (QE2). This involved the purchase of US government bonds (of as much as US$ 600 billion until June 2011) to keep US rates low to help prop up the US economy.

INTEREST RATES

Thanks to the benign inflation, the Bangko Sentral ng Pilipinas (BSP) was able to keep its key policy rates unchanged at 4% for overnight borrowing rate and 6% for overnight lending rate in 2010, setting the general tone for interest rates during the year. The average 91-day Treasury Bill rate moved within the 3.74%-3.97% range from January to October 2010, but fell to an historic low of 0.78% in the last auction in December to yield an average a sovereign credit rating upgrade on its The government has identified various of 3.7% for 2010 from 4.2% in 2009. foreign currency denominated debt to projects like airports, expressways, and T-Bill rates plunged due to the surge ‘BB’ from ‘BB-‘ from the international railway expansion under the PPP, with in domestic liquidity from the influx credit ratings agency S&P in November, the objective of upgrading the country’s of foreign funds triggered by the US the first upgrade since 1997 and the infrastructure that in turn invites more QE2. An indication of the system’s high highest in more than seven years. investments and ultimately yields a more liquidity is the more than P1.2 trillion sustainable growth. The government also in bank funds kept in the BSP’s Special OUTLOOK FOR 2011 hopes to raise the country’s investments- Deposit Account (SDA) facility as of end- to-GDP ratio, which has lagged behind 2010. Philippine economic growth is seen its neighbors, to levels comparable with normalizing this year from the rapid Asian peers. FISCAL PERFORMANCE expansion in 2010, in line with the Growing inflationary risks from rising moderation in global economic pace global commodity prices amid an uneven The national government posted a and in the absence of one-off growth global recovery present a major challenge P314.4-billion budget deficit (-3.7% of stimulus provided by the elections to the BSP this year. The BSP thus has GDP) in 2010, lower than the projected and government rebuilding efforts. the delicate task of managing inflation, P325-billion target (-3.9% of GDP), as Robust consumption spending and foreign exchange, and interest rates to the Aquino administration restrained material investments on Public-Private maintain macroeconomic stability and spending amid below-target revenue Partnerships (PPP) initiatives will drive support domestic economic growth. performance. economic activity this year. Despite these incipient risks, the Total revenues grew by 7.5% in Domestic household demand country’s macroeconomic fundamentals 2010 but fell short of the target by 6.7% serves as the major pillar to economic remain healthy on the back of sustained due to the Bureau of Internal Revenue growth this year on the back of good consumption spending supported by (BIR) and Bureau of Customs (BoC) demographics (a large and growing continued OFW remittances and BPO underperformance and lower asset sales. consumer market of more than 90 incomes. A transparent and a reform- To recompense for the huge P197 billion million), higher per capita GDP, and focused government is also a key positive deficit in the first half resulting from stable migrant and BPO income flows. given the government’s firm commitment the expansionary fiscal stimulus under The country’s domestically-driven and to improve its fiscal standing and level the previous administration and the consumer-led nature (with consumption the playing field for business. These continued revenue shortfall, the Aquino spending contributing nearly 80% to total should result in a virtuous cycle of more government controlled its expenditures economic activity, one of the highest in investments with multiplier impact on that enabled it to even post budget the region) compensates for the expected employment and incomes, leading to surpluses in August (P1.3 billion) and moderation in export performance this potential credit rating upgrades and November (P482 million) and limit the year. setting the Philippines on a sustainable full-year deficit to P314.4 billion versus Meanwhile, more investments growth path going forward. the P325 billion target. through PPP initiatives serve to jumpstart In recognition of its solid economic infrastructure spending without putting a performance in 2010, the country secured strain on the government’s fiscal position.

9 We find ways

Review of 2010 Operations

Operational Highlights Making Solid Progress

t(SPTTDVTUPNFSMPBOTFYQBOEFE Business Lending percent to P541.5 billion. 2010 is a year of remarkable t/FUJOUFSFTUJODPNFHSFXQFSDFOU accomplishments for Banco De Oro P432B to P34.2 billion. Unibank, Inc. It became the first t'FFCBTFETFSWJDFJODPNF Philippine bank to breach the P1-trillion P387B amounted to P10.4 billion. mark in terms of assets, growing 16 t1SPWJTJPOTXFSFCPPTUFEUP1 percent from 2009’s level of P862 billion. billion and raised non-performing 2009 2010 Along side this feat is the 46-percent loan (NPL) coverage to 92 percent. jump in net income to P8.8 billion t$BQJUBM"EFRVBDZ3BUJP $"3 JTBU continued expansion efforts. As such, from the P6-billion it earned in 2009. 14 percent. the Bank anticipates faster loan growth This surpassed the P8.1-billion profit t3FUVSOPOBWFSBHFDPNNPOFRVJUZ rates. There is also the expected demand guidance originally set for 2010. The improved to 11.7 percent. from large conglomerates specially profit growth was a result of a more with the implementation of big-ticket diversified and sustainable earnings INTERMEDIATION ACTIVITIES infrastructure projects under the Public stream from BDO’s core lending, Private Partnership (PPP) initiated by the deposit-taking and service businesses. Business Lending. The Bank managed Aquino government. to grow its business lending portfolio BDO will likewise remain focused on HIGHLIGHTS: by 12 percent in 2010 boosted by growing the traditional working capital and trade loans for the middle market the strong demand from clients in Total Deposits and watch out for potential project the SME (small medium enterprise) finance and capital expenditure loans and commercial banking segments. from large corporations. P782.6B With the high growth trend, BDO is Another major contributor is the encouraged to expand opportunities Bank’s wholly owned unit, BDO Leasing P694.7B from these markets. Loans from large and Finance, Inc. (BDOLF). In 2010, corporate clients, meanwhile, continued it posted a 28-percent growth in loan to post modest growth rates, coming portfolio to P15 billion on heightened mainly from project finance type of 2009 2010 focus on corporate accounts. BDOLF transactions. undertook aggressive marketing The commercial banking and SME initiatives to obtain business from segments are still seen to pursue the corporate and commercial banking growth path in 2011 as shown by their clients of BDO.

10 2010 Annual Report

As a result, BDOLF’s net profit reached P309 million in 2010. It also managed to cut by 7 percent its past due accounts to P665.0 million from P715.3 million in 2009.

Consumer Lending. With a better economic situation, the Bank’s consumer loans grew 27 percent at the end of 2010. The increase was boosted by the double-digit growth rates of major business segments – home, auto and credit cards. • Home loans surged 34 percent with heavy turn-ins from the Bank’s wide branch network and solid tie- ups with property developers and brokers. • Auto loan in strategic markets were done coupled bookings up with relocation of existing branches 25 percent. to new areas. The Bank’s network of • automated teller machines (ATMs), on business rose the other hand, totaled 1,430. 28 percent. Clients all over the country continue The Bank has to experience BDO’s trademark provided more banking ambience and convenience convenient means wherever and whenever they visit savings accounts (CASA) and loans by of enrolling and a BDO branch. The same look and 20 percent and 35 percent, respectively receiving statement of account to feel was achieved with continuous at the end of 2010. cardholders by launching the electronic renovation of existing branches. BDO Moving forward, BDO will continue statement of account or E-SOA. It also refined branches to blend into the to beef up its presence by setting up offered to internet-savvy cardholders market with extended banking hours branches in different growth areas. a virtual card that they can use for and days. The branches inside the SM online transactions as well as provided malls, for instance, are open seven Treasury. As the global economy access to a number of E-Shopping days a week from 10 am to 7pm. These started to recover in 2010 amidst hubs to help facilitate on-line purchase efforts provided accessibility and renewed credit concerns arising from deliveries. BDO also added to its array market penetration, which boosted debt-laden European countries, the of card brands the China Union Pay not only deposit Bank remained cognizant of potential (CUP) card targeted for the Chinese generation but pockets of opportunities in the market market. BDO is now both an issuer and cross-selling as evidenced by its strong earnings and 726 activities as well. asset growth during the year. acquirer of CUP cards. Branches The Bank’s BDO’s strong performance was Branch Banking. In 2010, the Bank offshore branch reflected both in the notable revenue implemented expansion projects, in Hong Kong progress across 2010 and also in some raising the number of branches to 726 1,430 likewise posted of the market and client-nominated noticeable growth (including the Hong Kong branch) ATMs awards which it has won over the from 707 in 2009. New branch openings in its current and year. These included the citation as

11 We find ways

Review of 2010 Operations

the “top-of-mind provider of third party fiduciary services” acting as Facility Agent, Onshore Collateral Trustee, Receiving Bank and Paying Agent for all types of debt and equity originations. A product called the BDO Easy Investment Plan (EIP) was launched in 2010, which allows an investor to attain his financial goals and financial wellness through the twin habits of regularly saving and investing. It incorporates the best, tried and tested principles such as peso cost averaging that make a successful saving and investment plan and provides a solution to counter the major obstacles to saving and investing. BDO expects its trust business to among the top five Best Performing (AUM) by 25 percent to P570 billion continue growing in 2011, given the Government Securities (GS) Eligible in 2010, an unprecedented high in the much-improved economic outlook, Dealer in the Primary Markets given Philippine trust industry. formidable line-up of products, and the by the Bureau of Treasury and the The growth was driven mainly by staunch sales and service culture of its award as one of the top five Best Fixed the strong performance of the Bank’s personnel. Income Dealing Participants from ready-made products or the so-called the Philippine Dealing & Exchange Unit Investment Trust Funds (UITFs). Corp (PDex). In foreign exchange, the It regards the UITFs as essential group remains to be one of the most components of its trust business as active participants in the Philippine they respond to the investment needs Dealing System (PDS) market, even of various investors, from retail clients outperforming its peers from the to corporate market. The BDO UITFs world’s global banks. New York-based ended the year leading the industry 25% financial magazine Global Finance with a total net asset value (NAV) of assets under management substantiated that status when it P61 billion, 46 percent higher than 2009 recognized BDO as one of the World’s NAV of P42 billion.

Best Foreign Exchange Providers for For the customized portfolios Private Banking. BDO, through its 2010. targeted for medium and high net wealth management arm BDO Private The Bank is fully committed to worth clients, the Bank’s offering Bank, made a stellar performance maintain its leadership in the local includes long-term tax-exempt in 2010, posting increases in both foreign exchange and fixed income portfolios such as BDO Long Term volume and income. Its net income markets, augmenting its focus on Investment Management Account and grew 53 percent while assets under creating innovative product and service BDO Wealth Planner and short-term management were up 29 percent. initiatives that will serve the interests of portfolios such as BDO Wealth Builder A recipient of various citations the clients. and BDO Investment Management mostly from foreign financial Account. In the institutional business, institutions, BDO Private Bank is SERVICE-BASED ACTIVITIES the Bank is the Trustee or Fund now considered the Private Bank Manager of the corporate, retirement of choice by many domestic private Trust and Investments. BDO grew its and investment funds of multinational banking customers, giving value- consolidated assets under management and domestic corporations, as well as added investment, financial and

12 2010 Annual Report

estate advisory services to the emerging affluent and high net-worth clientele. Its main task is to provide its target market with high value and appropriate investment products through an open architecture framework coupled with bespoke or custom-made structures to address clients’ needs to grow, consolidate, protect and distribute their wealth. For three consecutive years, it was named Best Local Private bank in the Philippines by Euromoney, Best Private Wealth Management House in the Philippines by Alpha Southeast , and cited also as the Best Private Bank in the Philippines for the same period by FinanceAsia. In 2009, The Asset

BDO Capital and Investment Corp. (IPOs) were successfully listed at the remained among the top players in the Philippine Stock Exchange, while debt capital market raising P243 billion several big-ticket stock rights issues (US$5.4 billion) in corporate notes/ were also offered to the market loans and corporate/government bonds majority of which were managed and combined. underwritten by BDO Capital, including Among the biggest debt transactions that for SM Development Corp., First lead arranged by BDO Capital include Gen Corp., Semirara Coal Corp., and the notes issues of GNPower Mariveles Interport Resources Corp. Coal Plant Ltd. Co. (awarded as 2010 BDO Capital continues to be Power Deal of the Year for Asia-Pacific at the forefront of the Philippine by Project Finance International investment banking industry receiving Magazine), PMFTC, Inc., SEM-Calaca several accolades from international Power Corp., SM Development Corp., publications in 2010: Best Investment and First Gen Corporation. BDO House in the Philippines, Best Equity Capital also had key roles in the House in the Philippines and Best Republic of the Philippines’ RTB issues Bond House in the Philippines by in line with the Bank’s thrust to support FinanceAsia; Best Equity House in the various government initiatives. Philippines and Best Debt House in awarded BDO Private Bank the Best With the successful national and local Private Wealth Management House in elections and smooth the Philippines, and Best Private Bank transition of power GNPower in the Philippines in 2010. in 2010, the equities Mariveles Coal Plant Ltd. Co. market has started to Investment Banking. While 2009 show signs of renewed was dominated by corporate bonds US$ 227M Senior Secured Php 38.8B Retail Bonds Php 10B Fixed Rate vigor. Virtually absent On-Shore Term Loan Facility Retail Bonds issuances, 2010 was the year for in 2009, a number of Mandated Lead Arranger Joint Lead Manager Issue Manager and corporate notes and loans issuances. and Lead Underwriter Lead Underwriter initial public offerings BDO’s investment banking subsidiary

13 We find ways

Review of 2010 Operations

Remittance. The OFW market is an integral part of BDO’s remittance business. The continued trust of the many OFWs around the globe on the Bank’s brand of remittance service was once again proven in both the number of remittance transactions and volume (in US dollars) it booked in 2010. Key to BDO’s commendable performance was the success of the Easy Asenso, Instant Panalo, a yearlong program that encouraged OFWs and their beneficiaries to open an Asenso Kabayan Savings Account. The campaign proved highly effective in generating new account holders and building a steadily expanding low-cost deposit base. BDO has a strong network of remittance offices, partners and agent locations in Asia, Europe, Middle East and . Its wide international presence is complemented by its domestic coverage, which to date, features nearly 3,000 remittance payout locations and serving more cash pick-up remittance clients nationwide. It also sealed partnerships with SM and various rural banks and financial services institutions, providing additional remittance channels throughout the country. the Philippines by Asiamoney; Best The Bank’s cash management Looking ahead, BDO will continue to Domestic Investment Bank in the service solidified its position as one of anchor its performance on the healthy Philippines and Best Equity House in BDO’s primary growth contributors. prospects expected for the remittance the Philippines by The Asset; and Best E-banking likewise yielded positive market. It will strive to serve a wider Investment Bank in the Philippines and results. A strong focus on corporate range of customers through consistent Best Bond House in the Philippines by clients’ acquisition resulted in an Alpha Southeast Asia. increase in the number of won deals while yearlong marketing programs BDO has nearly Transaction Banking. BDO’s translated to a substantial growth in transaction banking registered a bills payment transaction value. 3,000 21-percent jump in income at the end Significant progress was attained of 2010 on the back of sustained strong in system upgrades and product remittance performance of its cash management enhancements as the Bank recognized payment locations nationwide and electronic banking services. the need to continuously adopt with evolving market trends.

14 2010 Annual Report

service quality and a stronger remittance network.

Insurance (Brokerage and Bancassurance). The Bank’s insurance business generated 46 percent growth in premiums, while commission income grew 32 percent at the end of 2010, as it was able to seal insurance contracts for major corporate clients.

RISK MANAGEMENT

Like other corporations, BDO employs a rigid risk management plan to optimize the risk-reward balance and maximize return on capital through smart and proactive risk management. It verifies what risks exist in an investment and then handling those consequences in a way best appropriate to investment objectives. The Bank successfully streamlined P1.7 billion at the end of 2010. Chattel the organizational structure in the sales experienced a banner year

Credit Risk Management. In 2010, area of remedial management and having substantially exceeded 2009’s the Bank’s credit risk management asset recovery, becoming more performance, while leases likewise (CRM) continued to provide vital responsive to the needs of the business. ended on a positive note. BDO expects support to the lending units through Likewise, it was able to reduce Non- to improve sales performance in 2011, comprehensive credit risk assessment Performing Loans by about P3.2 billion as it continues to raise brokers base on and meaningful credit policies in through collections, restructuring, a nationwide scale duly complemented keeping with BDO’s business policy and settlements through dacion or by a cost efficient and innovative of maintaining and improving asset foreclosures. marketing campaigns. quality while growing the loan BDO also leveraged on the newly- portfolio. CRM provided critical developed credit scoring models for the SERVICE AND SUPPORT INITIATIVES assessment of various project unsecured consumer lending business finance endeavors involving large to improve portfolio quality and Investor Relations and Corporate infrastructure deals that help lending increase profitability. A credit-scoring Planning. In 2010, the Bank’s IR units in structuring appropriate model was also adopted in the area and Corplan participated in various financing packages for these projects. of collection management to optimize international conferences to update The lending processes particularly collection strategies and improve institutional investors on the Bank’s in the grant of small business loans collection efficiency. financial performance, strategic were likewise streamlined via the imperatives, and latest developments. development of a scorecard and Asset Management. Notwithstanding The IR effort, led by BDO president credit policy initiatives involving the the tapered appetite on property Nestor V. Tan, presented and met with delegation of authority. These efforts acquisition that normally happens almost a hundred investment and asset effectively shortened the turnaround during an election year, the Bank management firms in four investor time without relaxing on credit still managed to achieve decent conferences in Singapore, Hong Kong, assessment and quality standards. results from the sale of foreclosed or London, and New York. In addition, unproductive real estate assets worth the IR team presented in a Special

15 We find ways

Review of 2010 Operations

denominated fixed rate Philippine bank or corporate issue, signifying BDO’s successful return to the international debt market since 2003.

Central Operations. BDO carried out various procedures aimed at continuously improving customer service orientation and operational efficiency. These efforts, among others, include streamlining of procedures; designing of productivity tools on computer desktops; and automating manual processes. Around 200 offices located in the BDO Corporate Center and branches were also built or renovated.

Information Technology. The Bank’s security, infrastructure, and disaster preparedness were enhanced in 2010. Improvements were made at the Makati data center to provide capacity for new systems, as well as the data center’s ability to withstand outages. Network and computer upgrades and security updates also continued even as the office and the branch network expanded. Disaster preparedness exercises were carried out for critical systems to raise awareness. BDO also completed the upgrade to new version of its ATM switch and credit card host system; made new servers acquisition and database software upgrade for various systems; install systems support for new Market Briefing organized by a local Bank’s US$250 million capital-raising products and services such as credit stock brokerage firm for domestic from the IFC (International Finance cards, bills purchase online monitoring institutional and retail investors. The Corporation) and other key institutional and bills payment, among others. team also met with visiting investors foreign investors in April, as well as Moving forward, the Bank and analysts in numerous domestic the issuance of US dollar-denominated anticipates major challenge in ensuring meetings. senior notes in October 2010 that raised that all systems keep up with the In support of the Bank’s medium- US$300 million. The Senior Debt issue, continuing business expansion. The term growth objectives and initiatives with a coupon rate of 3.875%, was major constraint remains manpower to strengthen its capital and funding by far the largest international debt availability. And to address such base, the IR team held one-on-one offering by the Bank and the lowest issue, the Bank would come up with and global conference calls for the coupon rate ever for a US dollar-

16 2010 Annual Report

recruitment and retention programs to attract IT professionals to work at BDO.

Human Resources. The challenges encountered by the Bank in 2010 redefined its capability towards a more responsive attraction and retention of human capital. Strengthening of basic HR infrastructure led to the revitalization of the individual Key Result Areas as levers to drive a highly performing organization. Foresight review of team structures, work processes, and operating systems across HR units were initiated with the vision of the emerging demands of a continuously growing organization. With a serious outlook on leadership bench strength, training programs on program that is unique in the banking people management and core values industry. Its directional thrust for 2010 branding were launched at targeted was to leverage on the loyalty levels. Business technical trainings are program as a potent tool for retained in the agenda to continuously incremental business generation. raise competency level that matches This focus led to marketing business dynamism. Provincial rollout initiatives giving significant of corporate image sessions was results in terms of acquisition conducted to reflect a dedicated goal and organic growth from to uphold the professional impression existing depositors from our external customers. and conversion of For 2011, the Bank would continue payment behavior to to monitor opportunities for process BDO’s electronic improvements and resource efficiencies bills payment to be in step with the business channels. requirements and attain that level By far, BDO of strategic partnership within the Rewards remains to organization. be the only enterprise- wide loyalty program in the Corporate Marketing. With the banking industry. execution of impressive concepts for its institutional advertising program, BDO has once again generated significant gains in image and branding genres. The “We Find Ways” persona continues to take the Bank into new highs as indicated by the many achievements it garnered in 2010. Complementing these efforts is BDO Rewards, the Bank’s corporate rewards

17 We find ways

Accolades

Institutional Awards

Best Bank in the “As we continue to Philippines focus on building quality business, we are Platinum Award for All-Round Excellence in Financial Performance, humbled by the citations Management Corporate Governance, Social Responsibility, Environmental given to us by the Responsibility, and Investor Relations

various institutions here Best Emerging Market Bank in the Philippines and abroad. We take pride in what we do and we will always try our Top Bank in the Philippines best to serve the needs

of our clients the best Recipient of the Corporate Governance way possible.” Asia Annual Recognition Awards

Trusted Brand Gold Winner - Bank Category

KPMG Executive Leadership Team of the Year Award

Among the Top 10 Companies in the Philippines Asia 200, Wall Street Journal Asia 200 Survey

18 2010 Annual Report

Product Awards

Achievement Award for Trade Finance in the #FTU#POE)PVTFJOUIF Philippines Philippines

t #FTU%PNFTUJD%FCU)PVTFJOUIF1IJMJQQJOFT Best Foreign Exchange Bank in the Philippines t #FTU%PNFTUJD&RVJUZ)PVTFJOUIF1IJMJQQJOFT

t #FTU'PSFJHO&YDIBOHF1SPWJEFSJOUIF Philippines #FTU%PNFTUJD*OWFTUNFOU#BOL  in the Philippines t #FTU5SBEF'JOBODFJOUIF1IJMJQQJOFT t )JHIFTU5SBOTBDUJPO$PVOU(SPXUI7*4" Credit Classic #FTU&RVJUZ)PVTFJOUIF t )JHIFTU$BSETJO'PSDF(SPXUI7*4"  Philippines Credit Classic

No. 1 Merchant Acquirer in the Philippines Best Investment Bank in the Philippines

Rising Star Cash Management Bank in the Best Local Private Bank in the Philippines Philippines

Top Commercial Bank on Overseas Filipino Best Private Wealth Management Bank in Remittances the Philippines

t 5PQ4QPU'9%FBMFS Best Private Bank in the t 5PQ1%%541711BSUJDJQBOU Philippines PHILIPPINE DEALING SYSTEM

Trusted Brand Gold Winner Credit Card Category

19 We find ways

Corporate Governance Our Philosophy As a publicly listed company, BDO believes that the key to long-term sustainability and success largely depends on having a good name and solid reputation in the market place. To achieve that, it is imperative that we set high standards of ethical values, transparency, accountability and fairness in all our business transactions. We adhere to corporate governance because the interests of our shareholders, customers, employees, government and the public at large are on top of our priorities.

BOARD OF DIRECTORS the authority to approve within set • internal audit’s manpower limits projects or such other initiatives resources as well as its staff The Board of Directors and its advisers for enhancing the Bank’s operating and proficiency improvement are professionals from various fields service delivery capabilities. programs; of expertise such as banking, legal • annual audited inancial accounting, merchandise marketing, Board Audit Committee statements and the analysis of regulatory agencies and development Chairman: Teodoro B. Montecillo quarterly results of operations; finance/international lending. BDO has (Independent) • new legal and regulatory two directors who are independent Members: Corazon S. de la Paz- initiatives affecting the banking of management and free from any Bernardo; Henry T. Sy, Jr.; Jimmy T. industry and its impact on the business or other relationship which Tang (Independent); and Christopher A. Bank’s operations; and could reasonably be perceived to Bell-Knight (member up to September • adherence to the Bank’s materially interfere with their exercise of 25, 2010) Compliance Programs as required independent judgment in carrying out Adviser: Shirley M. Sangalang by the Bangko Sentral ng their responsibilities as directors in the Pilipinas (BSP) company. The Board Audit Committee provides The committee, which meets at least oversight of the Bank’s financial once a month, held 12 meetings in BOARD COMMITTEES reporting and control as well as 2010. In addition, a special meeting on its internal and external audit and “Sharing Best Practices” among all the The Board has established seven compliance functions. It reviews and Board Audit Committees of BDO and committees to assist it in shaping the assesses the Bank’s annual audit plan, its subsidiaries was held on December Bank’s corporate policies and practices, its system of internal controls and 7, 2010. and help ensure adherence to corporate regular financial and audit reports. governance principles. It evaluates strategic issues relating Compensation Committee to plans and policies, financial and Chairman: Teresita T. Sy Executive Committee system controls, and methods of Members: Corazon S. de la Paz- Chairman: Teresita T. Sy operation, seeing to their adequacy and Bernardo; Josefina N. Tan; Members: Nestor V. Tan; Jesus A. pinpointing possible improvements. and Teodoro B. Montecillo Jacinto, Jr.; Josefina N. Tan; Antonio N. As a continuing practice, the (Independent) Cotoco; and Evelyn L. Villanueva following were extensively discussed and consistently reviewed: The Compensation Committee The Executive Committee acts on • the scope and plan of internal and provides oversight on directors’ behalf of the Board of Directors on external audit; compensation and remuneration of matters affecting the operations of • signiicant audit indings senior management and other key the Bank subject to such authorities including risk assessment and personnel, ensuring consistency of the that may be imposed by the Board of evaluation of internal controls; compensation policies and practices Directors. The committee, which meets • internal audit progress report and with the corporate culture and strategy at least once a week, also assesses monitoring of resolution findings; of the Bank as well as industry the viability of credit and investment • report on compliance with practices. The committee meets at least proposals giving due consideration to regulatory bodies and once annually. the credit risk involved and impact on management’s corresponding the Bank’s financials. Likewise, it has action;

20 2010 Annual Report

Corporate Governance Committee oversight on the qualifications of all and fiduciary accounts, to accept and Chairman: Teodoro B. Montecillo nominees to the Board of Directors as close trust accounts, and to approve (Independent) well as appointments to other Bank the investment, reinvestment, and Members: Jesus A. Jacinto, Jr.; Jimmy positions requiring Board approval. disposition of funds or property. It T. Tang (Independent); Antonio C. Pacis; It recommends the nominees for also evaluates trust accounts at least and Christopher A. Bell-Knight (member election to the Board of Directors of the once a year to determine compliance up to September 25, 2010) Bank during the annual stockholders’ with the instrument creating the trust meeting. In case of vacancy/ies in the relationship, as well as the advisability The Committee reviews and assesses Board, the Committee seeks qualified of retaining or disposing the trust the Bank’s corporate governance nominees and recommends them to the assets. practices, and recommends the Board for appointment. The Committee The Committee meets at least once applicable guidelines, monitors held two meetings in 2010. a month. It conducted 13 meetings in compliance, and suggests 2010. improvements to ensure effectiveness. Risk Management Committee It provides oversight on the annual Chairman: Nestor V. Tan CODE OF BUSINESS performance self-evaluation of the Members: Teodoro B. Montecillo CONDUCT & ETHICS Board, its committees, and executive (Independent) and Christopher A. management. Bell-Knight (member up to The Bank’s officers and staff adhere to In 2010, the Committee accomplished September 25, 2010) the appropriate standards of behavior the following: Adviser: Jesus G. Tirona in the workplace, dealings with • updated and enhanced BDO’s clients and other stakeholders, the Corporate Governance Manual, The Risk Management Committee is proper handling and dissemination a guide for the Bank’s business responsible for policy development of corporate information, as well as and operations to be conducted and oversight of the Bank’s credit, the proper observance of regulatory in accordance with the principles market and operating risk exposures. policies as embodied in the Bank’s and best practices of good It oversees the system of limits of Employee Code of Conduct. corporate governance. discretionary authority delegated by the • improved the disclosures of the Board to management, ensuring that Related Party Transactions Bank’s Corporate Governance the limits are observed and breaches, The Bank, in compliance with policies and practices using the if any, are immediately corrected. legal and regulatory requirements, Scorecards of the Bangko Sentral It establishes the framework for maintains transparency of related ng Pilipinas (BSP), Securities and reporting risk to the Board including party transactions between and Exchange Commission (SEC) and the assessment of the probability and among the Bank and its subsidiaries, Institute of Corporate Directors potential impact of each identified risk affiliated companies, directors, officers, (ICD) Corporate Governance as exposure to the Bank. Considering the stockholders, related interests (DOSRI), reference. importance of credit risk, the Executive and joint ventures. • conducted the annual Committee approves counter-party performance evaluation of the credit risk under the guidance of Dealings with Suppliers, Clients board, its committees and senior established policies, procedures, and and Business Partners management in compliance with guidelines set by the Risk Management BDO employs high ethical standards BSP Circular Nos. 456 and 592, as Committee. in its business dealings to ensure the well as with SEC Memorandum The Committee meets at least once a integrity of its employees and the Circular No. 2, Series of 2002. month and held 11 meetings in 2010. organization. The Bank does not allow The Committee, which meets four the acceptance, directly or indirectly, times a year, conducted four meetings Trust Committee of any gift, gratuity, favor, loan or any in 2010. Chairman: Josefina N. Tan item having monetary value or any Members: Teresita T. Sy; Nestor V. Tan; other form of compensation from Nominations Committee Antonio C. Pacis; and Ador A. Abrogena business partners, clients, suppliers and Chairman: Henry T. Sy, Jr. other third party service providers in Members: Josefina N. Tan; The Trust Committee, acting within connection with a service that may, in and Jimmy T. Tang (Independent) the limits set by the Board of any way, influence employees’ decision- Directors, is authorized to review making. The Nominations Committee, which and approve transactions between meets at least once a year, provides the Trust and Investments Group

21 We find ways

Corporate Governance

ACCOUNTABILITY & COMPLIANCE

The Board and Management adhere to the corporate governance principles of accountability and compliance in performing their legal obligations and managing of financial reporting, operational, and regulatory risks.

Internal Audit The Bank’s Internal Audit Division (IAD), under the direct supervision of the Audit Committee, provides independent, objective assurance and consulting services designed to add value and help improve the Bank’s Internal Control Processes, such as Financial Reporting, Information Technology and Security, Operational RISK MANAGEMENT It continues to practice prudence in Controls, and to highlight the areas for its investments and actively monitors enhancing Operational Efficiency. BDO constantly seeks to improve the and regularly reviews related counter- maturity, robustness and relevance of party credit risks and country risks. External Audit its risk management framework and to The Bank’s operational risk On May 28, 2010, the stockholders promote enhanced risk management management is a dynamic process that approved the re-appointment of discipline across all its businesses continues to be driven at the business Punongbayan & Araullo, as external and supporting functions. Given its line level under strict guidelines and auditor of BDO for the year 2010. The size and scale, BDO faces varying reporting mechanisms. It ensured more Bank is compliant with the rotation and significant risks thus the need proactive management to its identified requirement of its external auditor’s to ensure that potential risks are operational risks with the continued certifying partner as required under the monitored, assessed and managed at implementation of its risk assessment Securities Regulation Code (SRC) Rule the appropriate level. processes. 68 (3)(b)(iv). The Bank’s comprehensive credit In addition, operational risks arising risk assessment and meaningful credit from health, safety and environmental Compliance policies allowed it to support various issues are appropriately managed The Bank’s Compliance Office assists project finance endeavors and small through policies and measures that senior management in managing business loans. It also streamlined were integrated into the Bank’s day-to- effectively the compliance risks its lending processes through the day operations. confronted by the Bank. Reporting development of a scorecard and The Bank established the Social directly to the Board Audit Committee, credit policy initiatives, involving and Environmental Management it oversees and coordinates the the delegation of authority to reduce Systems (SEMS) Policy that will implementation of the Bank’s processing time without compromising ensure environmental and social compliance program. This includes credit assessment and quality consciousness. This entailed the the identification, monitoring and standards. assessment and categorization of controlling of compliance risk for the The Bank ensures that there is the environmental impact of the whole Unibank including Hong Kong proactive management of risks arising Bank’s operations, and the proper Branch and its subsidiaries. from volatility in the financial markets monitoring and compliance to local and The Bank’s Compliance Office using methodologies based on best international environmental standards. updated the Bank’s Compliance market practices, which have been (A detailed information on SEMS is Program as required under BSP MORB subjected to third party validation. found in the CSR section of the Annual X180.1 and this was approved by the It is also focused on compliance and Report.) Board on January 30, 2010. risk efforts in anticipation of possible changes in prudential, supervisory and Anti-Money Laundering Unit regulatory framework resulting from The Anti-Money Laundering Unit Basel 3. (AMLU), which reports directly to the 22 2010 Annual Report

Board Audit Committee, handles the administration of the Bank’s compliance with the Anti-Money Laundering Act (AMLA) and its implementing rules and regulations, monitoring of transactions and conduct of AML training. It also provides oversight to the Bank’s subsidiaries and Hong Kong Branch on their compliance with AML rules and regulations.

STAKEHOLDERS’ INTERESTS

Investor Relations The Bank observes best practices and compliance in transparency and information disclosure through active communication and interaction with investors and analysts in both the equities and fixed income fields. It participates in international investor average nationwide satisfaction ratings makes retrospective restatement conferences as well as parent firm SM for the Bank’s branch network. Other of items in its financial statements, Investments Corporation’s (SMIC) customer-related surveys conducted or reclassifies items in the financial quarterly briefings to keep investors, in 2010, which also showed above statements. analysts and the press appraised on average ratings, covered the Phone the Bank’s operations and other recent Banking, Mobile Banking, Auto and Public Disclosures developments. Home Loan (Retail and Wholesale) and The Bank is committed at all times to UITF. These surveys were part of the fully disclose all material information Employee Programs customer service quality monitoring and other information required to be BDO’s commitment to good corporate programs since 2008 to solicit the top- presented by regulatory requirements governance was evident in 2010 of-mind satisfaction levels of the Bank’s through its annual report and website through the continuing training and customers. www.bdo.com.ph. (under “About Us/ development of BDO employees from Investor Relations”). new hirees, regular officers and staff, to REPORTING AND senior management and the Board of TRANSPARENCY Directors. Training programs covered management development programs, Financial Reporting product orientations, compliance The financial statements of BDO training such as updates on Anti Money Unibank Group and the financial Laundering (AML) and Corporate statements of the Parent Bank are Governance and behavioral courses. prepared in accordance with the The Board of Directors and Advisers Financial Reporting Standards in the of the Bank and its subsidiaries and Philippines (FRSP) for banks. selected senior management have The financial statements are attended the seminar on Corporate presented in accordance with Governance. Among them are three (3) Philippine Accounting Standards Institute of Corporate Directors (ICD) (PAS) 1 (Revised 2007), Presentation fellows, namely, Director Teodoro B. of Financial Statements. The BDO Montecillo and Advisers Christopher A. Unibank Group presents the statement Bell-Knight and Jesus G. Tirona. of comprehensive income in two statements: Statement of Income and Customer Satisfaction Program Statement of Comprehensive Income. To determine customers’ satisfaction Two comparative periods are presented and commitment level to BDO’s branch for the statement of financial position banking, a Customer Satisfaction Survey when BDO Unibank Group applies has been conducted in 2010 with above an accounting policy retrospectively,

23 We find ways

Corporate Social Responsibility

Nurturing Community with Commitment BDO is an institution not only committed to providing efficient products and services to clients, but is also involved in various efforts to help alleviate the lives of the underprivileged and conserve the environment as well.

BDO Foundation, Inc.

The Bank, seeing itself as part of a larger community and addressing in its own capacity the inequities that exist in the society, implemented programs focused on shelter, practical education, livelihood and environment conservation through its socio- civic arm, the BDO Foundation.

HIGHLIGHTS:

• Donation of houses and lots situated inside Lexber Homes, a fully-developed subdivision owned by the Bank to the Local Government Unit of Calumpit, Bulacan, in partnership with the Catholic Relief Service (CRS- USA) and the Roman Catholic Bishop of , Inc. (Diocese). The CRS-USA, an international humanitarian agency, provided the funds for the repairs of the houses through the Diocese of Malolos as its implementing partner while the local government of Calumpit formation are being conducted improved the site for the benefit in partnership with ANCOP-CFC of typhoon victims and families Tekton Foundation. Day care that needed to be relocated and livelihood centers were also from the danger zones. Values renovated through the help of

24 2010 Annual Report

BDO community builders and fund raisers who furnished the centers and painted the mural. Total project cost reached about P20 million. It was turned over to the beneficiaries in October 2010. • Donation of two parcels of land with a total area of almost 8,500 square meters Bank property along the highway in Baliwag, Bulacan which will be transformed into a resettlement site where 105 transitory houses will be built. This project is in partnership with the International Federation of the Red Cross and the Red personal Crescent Societies (IFRC) financial through Philippine Red Cross education needs (PRC) and the local government of low-income unit of Baliwag. Project cost is and vulnerable estimated at P16.5 million upon groups of our completion. society. In 2010 alone, volunteers • Construction of the irst BDO Volunteer Multi-purpose Hall rendered 98 for the homeowners of hours through D’ Dreamland Ville, located this capacity building in the first BDO Foundation- with the following advocacies initiative. Gawad Kalinga Community. chosen by donors: Funding came from the • A series of talks through the BDO Skills Trainers on Personality generous donations of the • Education 35% Development were initiated to Bank’s staff, officers and board • Health 27% teach account officers working members. BDO Volunteers • Shelter 16% helped in the painting of the hall with the MFIs on good grooming and professionalism as they go which was turned over to the In partnership with the SM about with their work in reaching community in August 2010. Foundation, the funds will also be the unbanked and underserved • A lecture series through channeled to the building of a public segments of the population. the BDO Speakers Bureau school in Mindanao, and a public on Accounting for Non- • It also launched in 2010 the Share health facility, as well as support Gift Check project that provided Accountants and Financial BDO Foundation shelter program. Literacy Program for both the Bank’s clients, suppliers and CARD-MRI, a micro-finance employees an opportunity to create institution, and Save the social value while doing business. Children Foundation, was The project has raised P3.265 conducted addressing the million (as of end February 2011)

25 We find ways

Corporate Social Responsibility

For 2011, the Foundation is • The building of the second expected to accomplish the BDO Foundation Micro- following: Finance Center in Tagum, Davao City initially through • Construction of 105 transitory the donation of a property houses at Starville III in Baliwag, to CARD-MRI Development Bulacan for delivery by the Institute. This structure third quarter of the year. Start will serve as the training of the second phase of the BDO center for people involved Foundation-GK Community in in micro-finance. It will D’ Dreamland Ville, San Jose del also be the venue where schools in Luzon, Visayas and Monte City, Bulacan where 21 livelihood skills will be taught Mindanao for a vegetable homes are targeted for turnover to the marginalized sector in the awareness and planting by June 2011. area. program. Volunteers will be • Development of the second • Future participation in the working with public school BDO Volunteer Multi-purpose program “Oh, My Gulay” children in planting vegetables Hall in Starville III in Baliwag, of Senator Angara and the in their school grounds to Bulacan from the BDO family’s Department of Education, where fight hunger and malnutrition continuous fund raising activities. the BDO Foundation will adopt especially in the countryside.

GO GREEN

Before the end of 2010, BDO introduced the “Go Green Program” to raise awareness on environmental issues, promote good environmental practices in the workplace and mobilize volunteers for conservation initiatives. Among the activities conducted were:

• A seminar on “Kuryentipid” giving tips on effective savings of electricity was conducted for employees. • Simultaneous ilm showings of “Project Noel” in Cebu and Davao for employees, clients and friends on water conservation. • The planting of 300 mahogany trees seedlings at the Paradise Ranch at the hills of Clark Air Base in Pampanga where BDO Foundation earned a “Friends of the Forest” marker. bank in the Philippines to use Light resulted to reduction of expenses in Energy Conservation Emitting Diode (LED) lights in all its lighting signages and reduction of BDO has adopted environment- branches and building signages. emission of carbon dioxide in the friendly and cost-saving solutions to The switch from conventional generating plant due to the lower power consumption in the country. fluorescent bulb to LED lights, electric power demand to light up The Bank updated all its signage which was made for both economic the signages. installations and became the first and environmental objectives, has

26 2010 Annual Report

Fire Extinguishing Agent In compliance to PD 1185 – Fire Code of the Philippines, replacing the fire extinguishing agent halon, an ozone depleting substance, the Bank now uses hydrochlorofluorocarbon (HCFC) 123, which evaporates easily and is a cleaner agent that is safer for both humans and the environment.

Solid Waste Disposal Social Environmental Management For the Bank’s good practice Systems BDO continues to support Green on Solid Waste Management, The Board of Directors of BDO initiatives across the workforce specifically, “Segregation”, it was approved last April 2010 the taking environment conservation awarded the Candidate Master establishment of a Social & seriously. In fact, it has launched Award, a major category in the Zero Environmental Management Systems pocket activities that constantly Basura Olympics (ZBO) for Business Policy (SEMS Policy). The BDO remind employees of the importance 2010 sponsored by the Philippine Environmental and Social Policy will of preserving mother earth and Business for the Environment, ensure that environmental and social encourages healthy activities Earth Day Network Philippines, Inc., consciousness are incorporated in through its various sports programs National Solid Waste Management the day-to-day operations of the Bank and running clinics. Commission and the Department for the benefit of all its stakeholders, of Energy and Natural Resources. employees, and the community in Zero Basura Olympics is an which it operates. advocacy campaign toward a zero- waste Philippines using a creative way to implement Republic Act Did you know that an 9003, also known as the Ecological acre of trees could Solid Waste Management Act of 2000. remove 2.6 tons of carbon dioxide per year? Hazardous Solid Waste Disposal BDO transacts only with DENR- accredited contractors that practice This policy mainly entails the DENR approved procedures to categorization of all corporate dispose Data Linear Tape Open borrowing accounts according to (DLTO) cartridges, fluorescent tubes their social & environmental impact. and used oil, thereby ensuring Aside from this, it also has a provision no harmful elements affect the that will limit the Bank’s exposure environment. to certain industries that have an adverse effect on human lives and the Air Conditioning System environment such as the manufacture In support of RA 8749 – Philippine and recycling of hazardous chemicals, Clean Air Act of 1999 which is ammunitions, etc. Depending on the being implemented to protect the risk categorization, various monitoring ozone layer, BDO uses for its new and reportorial procedures will be buildings the ozone friendly 410a implemented to ensure that identified refrigerant. environmental and social issues concerning borrowing clients are addressed.

27 We find ways

Board of Directors

Henry Sy, Sr. Teresita T. Sy Corazon S. de la Paz-Bernardo Chairman Emeritus Chairman Vice Chairman

Cheo Chai Hong Farida Khambata Antonio C. Pacis Director Director Director

Teodoro B. Montecillo Jimmy T. Tang Edmundo L. Tan Independent Director Independent Director Corporate Secretary

28 2010 Annual Report

Jesus A. Jacinto, Jr. Nestor V. Tan Vice Chairman President and Director

Henry T. Sy, Jr. Josefina N. Tan Director Director

Christopher A. Bell-Knight Senen T. Mendiola Alberto V. Reyes Adviser Adviser Adviser

Jose T. Sio Washington Z. Sycip Jesus G. Tirona Adviser Adviser Adviser

29 We find ways

Directors’ Profile

TERESITA T. SY Chairman of the Social Security Corp. as Chairman and President, 60, Filipino, is the Chairperson of Commission from 2001 to 2008. and Janil Realty, Inc. and JAJ BDO and was first elected to the She was also President of the Realty, Inc., as President. He is Board in 1977. Concurrently, she International Social Security likewise Director of Bayer Phil., serves as the Chairperson, Vice Association from 2004 to 2010. Inc. Formerly, he was Director Chairperson, and/or Director of She was Chairman and Senior and Executive Vice President of various subsidiaries and affiliates Partner of Joaquin Cunanan & CityTrust Banking Corp., Director of BDO such as BDO Private Bank, Co. (PricewaterhouseCoopers, of CityTrust Investments Phil. and Inc., BDO Leasing & Finance, Philippines) from 1981 to 2001. She CityTrust Finance Corp., and Vice Inc., BDO Capital & Investment served as Chairperson of Equitable President and Managing Partner of Corporation, Equitable Card PCI Bank, Inc. from February 21, Citibank N.A. He holds a bachelor’s Network, Inc., Strategic Property 2006 until its merger with Banco de degree in Business Administration Holdings, Inc., BDO Foundation, Oro Universal Bank. Ms. Bernardo from Fordham University in New Inc., Generali Pilipinas Holding is also a member of the Board of York City and MBA (International Company, Inc., Generali Pilipinas Trustees of the University of the Business) from Columbia Life Assurance Company, Inc., and East, the UE University, New York. Generali Pilipinas Insurance Co., Memorial Medical Center, Miriam Inc. Ms. Sy is the Vice Chairperson College, MFI Foundation, Inc., NESTOR V. TAN of SM Investments Corporation. Jaime V. Ongpin Foundation, 53, Filipino, was elected President She also sits as Chairperson, Vice Inc., Laura Vicuña Foundation of the Bank in July 1998. He is Chairperson and/or Director of for Street Children, Children’s concurrently the Vice Chairman such companies as SM Prime Hour and the Executive Council of of BDO Capital & Investment Holdings, Inc., Multi-Realty NAMFREL. She is past President Corporation and BDO Private Development Corporation, SM of the Philippine Institute of Bank, Inc., Director of BDO Leasing Land, Inc., Supervalue, Inc., SM Certified Public Accountants, and Finance, Inc., BDO Insurance Mart, Inc., SM Retail, Inc., Super the Management Association Brokers, Inc., Equitable Card Shopping Market, Inc., Pilipinas of the Philippines, the Financial Network, Inc., Strategic Property Makro, Inc., and First Asia Realty Executives Institute of the Holdings, Inc., Generali Pilipinas Development Corp. A graduate of Philippines, Inc., and the Philippine Life Assurance Company, Inc., Assumption College, she brings Fulbright Scholars Association. Generali Pilipinas Insurance Co., to the Board her varied expertise Other memberships include those Inc., BDO Remit (USA), Inc., and in banking and finance, retail in the Makati Business Club, Inc., SM Keppel Land, Inc., Chairman of merchandising, mall and real estate the Asia Society, the Association BDO Technology Center, Inc., EBC development. of TOWNS Awardees, and the Strategic Holdings Corporation, Board of Advisors of Ramon V. and BDO Strategic Holdings, Inc., CORAZON S. DE LA PAZ- del Rosario, Sr. - AIM Center for and Trustee of BDO Foundation, BERNARDO Corporate Social Responsibility. Inc. He is also a Director of 70, Filipino, is currently the Vice , Inc. He was formerly Chairperson of the Bank’s Board of JESUS A. JACINTO, JR. connected with the Mellon Bank in Directors. She is also a Director of 63, Filipino, was elected Vice Pittsburgh, PA, the Bankers Trust Equitable Card Network, Inc. and Chairman of BDO in May 1996, Company in New York and the Advisor to the Audit Committee and is concurrently the Chairman Barclays Group in New York and of PLDT. She was President of the and President of BDO Insurance London. Prior to joining the Bank, Social Security System and Vice Brokers, Inc. He also heads Jaces he was the Chief Operating Officer

30 2010 Annual Report

for the Financial Institution Services as Vice President for Portfolio plans. In the course of his practice, Group of BZW, the investment and Risk Management, with he has served in various capacities banking subsidiary of the Barclays responsibility for the Corporation’s in companies upon invitation of Group. He holds a bachelor’s portfolio (about $14 billion) and clients. He holds degrees from the degree in Commerce from De risk management operations, Ateneo de University (AB), La Salle University and received as well as for information from the Ateneo School of Law his MBA from Wharton School, technology, controller’s and (LLB) and from the Harvard Law University of Pennsylvania. financial reporting, budgeting and School (LLM). back-office functions. Prior to be CHEO CHAI HONG being named Vice President, Mrs. HENRY T. SY, JR. 58, Singaporean, is a Director Khambata was Director of IFC’s 57, Filipino, is presently Director of BDO. He currently sits as Treasury Department. She also held of the Bank. He is also the Vice Director of positions such as Director, Division Chairman of the Board of Directors Philippines (UOB Philippines) Manager, and Senior Investment of SM Investments Corporation and United Overseas Bank (Thai) Officer at IFC’s former Central (SMIC), SM Development Public Company Limited. He is Capital Markets Department. Corporation (SMDC), and Vice Executive Vice President and Mrs. Khambata transferred from Chairman & President of Highlands Head of Corporate Planning and the World Bank to IFC in 1986. Prime, Inc., SM Land, Inc., and International Strategy Department She joined the World Bank as a Director of SM Prime Holdings, of UOB Singapore. He was formerly Young Professional, working later Inc. (SMPHI). He is likewise the Executive Vice President of as a Senior Officer for the President of National Grid Group Credit (Middle Market the World Bank Group’s Pension Corporation of the Philippines & STCF) Department of UOB Fund, and as a Senior Investment (NGCP). He is responsible for Singapore. He holds an honor’s Officer in the East Asia and Pacific the real estate acquisitions and degree in Business Administration Region. Mrs. Khambata holds post- development activities of the from the University of Singapore. graduate degrees in Economics SM Group which include the and Business Management from identification, evaluation, and FARIDA KHAMBATA Cambridge University and the negotiation of potential sites as 62, Canadian, is a Director of London Business School. A well as the input of design ideas. BDO. She is a founding partner of Certified Financial Analyst, she has He graduated with a management Cartica Management, L.P., an asset also participated in the Executive degree from . management company focused Development Program at Wharton He also holds board positions in exclusively on emerging markets. Business School. several companies within the SM Prior to joining Cartica, she was Group. IFC’s Regional Vice President ANTONIO C. PACIS heading IFC’s Operations in East 69, Filipino, currently serves JOSEFINA N. TAN Asia and the Pacific, South Asia, both the Bank and BDO Capital 65, Filipino, is presently Director Latin America and the Caribbean, & Investment Corporation as of the Bank and President of BDO and the Middle East and North a director. He has been in law Private Bank, Inc. She is also Vice Africa. She was responsible for the practice since 1967 counseling bank Chairperson of Corporation’s strategy, financial and corporate clients in the areas and a Trustee in both Development products, and advisory services of regulatory, business, corporate Center for Finance and Laura in member countries in these and trust law, and individuals in Vicuña Foundation. She was a regions. Previously, she served the areas of family law and estate Director of Banco de Oro Universal

31 We find ways

Bank from 2001 to August 2005. She of the Philippines, and received his Coal Resources, Inc. Atty. Tan is was also Executive Vice President MBA from Northwestern University, the Managing Partner of Tan Acut of the former Far East Bank & Chicago, USA. Lopez and Pison Law Offices. He Trust Co., Director and President was formerly the Chairman of the of FEB Leasing & Finance Corp., JIMMY T. TANG Board of EBC Investments, Inc., Executive Director and Trustee of 74, Filipino, has been an and Chairman of the Board and FEB Foundation, Inc., and Executive Independent Director for BDO President of EBC Strategic Holdings Vice President of FEB Investments, since 1984. He is the President Corp. Inc. until 2000. She was a director and Chairman of the Board of the of Equitable PCI Bank, Inc. from Avesco Group of Companies. He September 2005 until its merger currently serves as the Honorary with the Bank in May 2007. Adviser of the Federation of Electrical and Electronics Suppliers TEODORO B. MONTECILLO & Manufacturers of the Philippines, 76, Filipino, was first appointed Inc. (PESA) & PESA Foundation; Independent Director in August and Honorary President of the 2004. He is also currently an Federation of Filipino-Chinese Independent Director of the Chamber of Commerce & Industry following: BDO Securities Corp., (FFCCCII). Mr. Tang was the 9th PDS Holdings Corp., Philippine President of PESA and the first Dealing & Exchange Corp., Chairman of the PESA Foundation, Philippine Securities & Settlement which he served for seven years. Corp., Philippine Depository & Trust He also served two terms as the Corp., and Citibank Savings, Inc. He 11th President of the FFCCCII. was appointed by former President He holds a bachelor’s degree in Fidel V. Ramos as a member of the Electrical Engineering from the Monetary Board of the Bangko Mapua Institute of Technology and Sentral ng Pilipinas (BSP) from was awarded the “Top Outstanding 1996 to 2002, and appointed by Mapuan for Entrepreneurship” in former President 1987. as Chairman of the Central Bank Board of Liquidators from 1999 EDMUNDO L. TAN to 2002. He was an Advisor and 65, Filipino, was appointed Consultant to Governor Rafael B. Corporate Secretary of the Bank Buenaventura from 2002 to 2004. In on July 27, 2007. He also serves as addition, he held various positions Director and Corporate Secretary of in areas of operations, credit and APC Group, Inc., Philippine Global external debt management in Communications, Inc., and Aragorn Citibank, N.A. (Manila) and Citibank Power & Energy Corporation. He Head Office (New York) from 1965 concurrently holds directorships to 1996. He holds a bachelor of in BDO Leasing & Finance, Inc. science degree in Education from and Sinophil Corporation. He is , in Business likewise the Corporate Secretary Administration from the University of APC Mining Corp. and Aragorn

32 2010 Annual Report

Statement of Management’s Responsibility for Financial Statements

he management of Banco De Oro Unibank, Inc. and subsidiaries is responsible for all information and representations contained in the financial statements for the years ended December 31, 2010 and 2009. The financial statements have been prepared in conformity with financial reporting standards in the Philippines Tfor banks and reflect amounts that are based on the best estimates and informed judgment of management with an appropriate consideration to materiality.

In this regard, management maintains a system of accounting and reporting which provides for the necessary internal controls to ensure that transactions are properly authorized and recorded, assets are safeguarded against unauthorized use or disposition and liabilities are recognized. The management likewise discloses to the Bank’s audit committee and its external auditor: (i) all significant deficiencies in the design or operation of internal controls that could adversely affect its ability to record, process and report financial data; (ii) material weaknesses in the internal controls; and (iii) any fraud that involves management or other employees who exercise significant roles in internal controls.

The Board of Directors reviews the financial statements before such statements are approved and submitted to the stockholders of the Bank.

Punongbayan & Araullo, the independent auditors appointed by the stockholders, has examined the financial statements of the Bank in accordance with Philippine Standards on Auditing and has expressed its opinion on the fairness of presentation upon completion of such examination, in its report to the Board of Directors and stockholders.

TERESITA T. SY Chairman of the Board

NESTOR V. TAN LUCY CO DY President EVP and Comptroller

33 We find ways

Statements of Financial Position

December 31, 2010 and 2009 (Amounts in Millions of Philippine Pesos)

BDO UNIBANK GROUP PARENT BANK 2010 2009 2010 2009

RESOURCES

CASH AND OTHER CASH ITEMS P 26,673 P 30,544 P 26,660 P 30,365

DUE FROM BANGKO SENTRAL NG PILIPINAS 138,482 64,833 129,718 62,864

DUE FROM OTHER BANKS 21,777 16,732 20,433 14,611

TRADING AND INVESTMENT SECURITIES 197,287 171,712 177,641 153,262

LOANS AND OTHER RECEIVABLES - Net 566,021 524,901 548,618 497,302

PREMISES, FURNITURE, FIXTURES AND EQUIPMENT - Net 15,057 14,732 14,115 13,058

INVESTMENT PROPERTIES - Net 11,979 13,834 11,152 12,805

OTHER RESOURCES - Net 23,593 24,761 30,866 30,917

TOTAL RESOURCES P 1,000,869 P 862,049 P 959,203 P 815,184

LIABILITIES AND EQUITY

DEPOSIT LIABILITIES P 782,635 P 694,678 P 762,634 P 669,805

BILLS PAYABLE 65,861 31,415 56,081 21,519

SUBORDINATED NOTES PAYABLE 23,152 23,152 23,152 23,152

OTHER LIABILITIES 40,489 44,917 34,787 38,136

Total Liabilities 912,137 794,162 876,654 752,612

EQUITY Attributable to: Shareholders of the Parent Bank 88,009 67,252 82,549 62,572 Non-controlling Interests 723 635 - -

88,732 67,887 82,549 62,572

TOTAL LIABILITIES AND EQUITY P 1,000,869 P 862,049 P 959,203 P 815,184

The above is an excerpt from the complete set of Audited Financial Statements published as Volume 2.

34 2010 Annual Report

Statements of Income

For the Years Ended December 31, 2010, 2009 and 2008 (Amounts in Millions of Philippine Pesos Except Per Share Data)

BDO UNIBANK GROUP PARENT BANK 2010 2009 2008 2010 2009 2008

INTEREST INCOME P 49,930 P 48,810 P 42,359 P 46,544 P 45,011 P 39,733

INTEREST EXPENSE 15,772 18,251 19,323 14,990 17,181 18,043

NET INTEREST INCOME 34,158 30,559 23,036 31,554 27,830 21,690

IMPAIRMENT LOSSES - Net 6,698 6,153 5,232 6,374 5,775 5,171

NET INTEREST INCOME AFTER IMPAIRMENT LOSSES 27,460 24,406 17,804 25,180 22,055 16,519

OTHER OPERATING INCOME 17,841 15,483 13,731 16,404 14,375 11,810

OTHER OPERATING EXPENSES 34,789 32,129 27,852 31,854 28,811 25,892

PROFIT BEFORE TAX 10,512 7,760 3,683 9,730 7,619 2,437

TAX EXPENSE 1,631 1,659 1,445 1,297 1,263 958

NET PROFIT P 8,881 P 6,101 P 2,238 P 8,433 P 6,356 P 1,479

Attributable To: Shareholders of the Parent Bank P 8,825 P 6,035 P 2,182 Non-controlling Interests 56 66 56

P 8,881 P 6,101 P 2,238

Earnings Per Share: Basic P 3.37 P 2.57 P 0.95 P 3.21 P 2.71 P 0.64 Diluted P 3.37 P 2.47 P 0.93 P 3.21 P 2.60 P 0.63

The above is an excerpt from the complete set of Audited Financial Statements published as Volume 2.

35 We find ways

Management Directory

BOARD OF DIRECTORS PRESIDENT & DIRECTOR CORPORATE SECRETARY Nestor V. Tan Edmundo L. Tan CHAIRMAN EMERITUS , Sr. DIRECTOR ADVISER TO THE BOARD Cheo Chai Hong Christopher A. Bell-Knight CHAIRMAN Farida Khambata Senen T. Mendiola Teresita T. Sy Antonio C. Pacis Alberto V. Reyes Henry T. Sy, Jr. Jose T. Sio VICE CHAIRMAN Josefina N. Tan Washington Z. Sycip Corazon S. de la Paz-Bernardo Teodoro B. Montecillo (Independent) Jesus G. Tirona Jesus A. Jacinto, Jr. Jimmy T. Tang (Independent)

PRINCIPAL OFFICERS Geronimo D. Diaz Rebecca S. Torres Peter S. Lo, Jr. (Bank & Subsidiaries) Jonathan C. Diokno Edel Mary D. Vegamora Manuel Z. Locsin, Jr. Ismael G. Estela, Jr. Edward G. Wenceslao Gertrudes J. Lumain SENIOR EXECUTIVE Marvin V. Fausto Ma. Teresita Susana L. Yap Roy Allan V. Magturo VICE PRESIDENT Georgiana A. Gamboa Jesus A. Mañego, Jr. Antonio N. Cotoco Lesmes L. Garate FIRST Wilhelmino R. Mendoza Walter C. Wassmer Jonathan C.B. Go VICE PRESIDENT Edelwina Victoria E. Millan Jaime C. Yu Marilyn K. Go Gerard M. Aguirre Aurea Imelda S. Montejo Lazaro Jerome C. Guevarra Maria Carina S. Antonio Merceditas P. Montesclaros EXECUTIVE Eleanor M. Hilado Onofre D. Avellanosa Cristina G. Ngo VICE PRESIDENT Nenita C. Indiongco Maria Cecilia M. Avila Felicitas C. Nonato Ador A. Abrogena Jeanette S. Javellana Wilma N. Berioso Renato G. Oñate Stella L. Cabalatungan Roberto E. Lapid Aurora M. Castro Larry G. Ong Julie Y. Chua Gabriel U. Lim Marilou L. Cesario Susan C. Ong Gerard Lee B. Co Ruby G. Lim Susie S. Cham Martin B. Ordoñez Lucy C. Dy Mercedes M. Limson Ruby A. Chua Ma. Bella C. Paguiligan Pedro M. Florescio III Lilia E. Lising Edna Christine P. Cruz Aurora Zita G. Panopio Eduardo V. Francisco Emerenciana H. Luistro Ma. Lucila C. Cruz Clarissa M. Peñalosa Bienvenido M. Juat, Jr. Ma. Corazon A. Mallillin Jonathan T. Cua Yolanda A. Pilapil Ricardo V. Martin Angelita C. Manulat Cesario C. Dayego Rita Y. Poa Edmundo S. Soriano Dalmacio D. Martin Lamberto B. Del Fonso, Jr. Jonathan L. Ravelas Rolando C. Tanchanco Jose Noel M. Mendoza Ma. Victoria F. Dela Cruz Rogel A. Raya Dennis B. Velasquez Ramon T. Militar Noel D. Dizon Maria Nannette R. Regala Evelyn L. Villanueva Jaime M. Nasol Paul A. Evora III Susan Audrey P. Rivera Aristotle L. Villaraza Annie H. Ngo Lourdes Blanquita B. Falcon Evelyn C. Salagubang Maria Rhoda B. Orsolino Belinda C. Fernandez Luisito S. Salazar SENIOR Virgilio C. Pamatmat Bernard M. Florencio Ophelia S. Salva VICE PRESIDENT Jose Alfredo G. Pascual Alexander G. Francisco Agnes B. Santos Ursula A. Alano Antonio O. Peña Maria Elisa A. Franco Cerwina Elenore A. Santos Noel L. Andrada Domingo A. Ramos, Jr. Geneva T. Gloria Salvador R. Serrano Victor C. Arboleda Luis S. Reyes, Jr. Judy L. Go Gregorio C. Severino Melanie S. Belen Shirley M. Sangalang Yolanda M. Go Ma. Theresa S. Simbul Gamalielh Ariel O. Benavides Arsenio L. Severino Renato S. Gongora Teresita C. Siy Rafael G. Besa Evylene C. Sison Myrianne Joan D. Gonzales Celia D. Sotto Ma. Ophelia Ll. Camiña Erlaster C. Sotto Mary Ann C. Guerra Noel B. Sugay Arthur Vincent D. Chung Robert W. Sy Enrico R. Hernandez Virginia N. Sy Angelita O. Cortez Edwin R. Tajanlangit Lily C. Huang Angelita C. Tad-y Ramon S. David Arthur L. Tan Lilian T. Khu Divina N. Tan Ma. Lourdes T. De Vera Maria Theresa L. Tan Ma. Cecilia G. Lantin Judy C. Tan Montiel H. Delos Santos Perla F. Toledo Benjamin A. Larin, Jr. Lorna A. Tan

36 2010 Annual Report

Richard R. Tan Ma. Dina B. Desembrana Jennifer B. Santos Federico P. Tancongco Rolando L. Dillague Laarni C. Santos Reynaldo A. Tanjangco, Jr. Albert G. Dizon Ma. Cecilia S. Santos Ma. Mercedes P. Tioseco Cezar G. Domingo Rolando S. Santos Agnes C. Tuason Crispin G. Domingo Stephen O. Santos Myla R. Untalan George R. Dosado Joel Jovencio E. Sarreal Maria Dolores C. Uyliapco Ma. Fe H. Dy Philip L. So Noemi T. Villanueva Rolando A. Embrador Mary Lou D. Son Keng Po Rosola A. Vivas Armina C. Empeño Antonio U. Tan Joy T. Yap Gwyneth M. Entao Ma. Margaret N. Tan Margaret L. Yu Fe R. Felix Marites L. Tan Michael J. Francisco Edna R. Tarroza VICE PRESIDENT Cheryll B. Gaviño Alice Ong O. Teh Jeffrey R. Abacan Florish M. Gianan Aniana A. Timbre Jocelyn D. Agas Genevieve WJ. Go Don Elecci B. Torno Arlene Joan T. Agustin Sonia Maribel D. Go Wendeline Therese M. Tumolva Regina Flor V. Alba Emmanuel Antonio R. Gomez Arlene Marie H. Uson Gloria T. Alcala Mary Josephine J. Hyndman Sharon Mae S. Vicente Melissa A. Alcantara Marichu Daisy S. Jimenea Francisco B. Vista, Jr. Dulce Amor E. Alimbuyuguen Emma M. Lacsamana Dandy T. Yap Rosalisa K. Alindahao Charlie Ka Ki Lam Aimee A. Yu Milagros R. Alindogan Ma. Remedios B. Lapuz Alice C. Yu Apollo R. Alquiza Rafael Martin C. Lara Leticia L. Ang Ley Grace G. Lastimosa Maria Agnes R. Aragon Geraldine C. Liggayu Felina M. Arellano Maurice D. Lim Susan Marie J. Atienza Juan Sabino P. Lizares Jose Luis F. Bautista Joseph Rhoderick B. Lledo Marites A. Bautista Maria Pia L. Maceda Pedro C. Bautista, Jr. Ma. Dolores P. Magsalin Jimmy A. Belarmino Racquel B. Mañago Manuel R. Bengson, Jr. Ronald M. Manalastas Manuel Patricio J. Bondad Edgardo R. Marcelo, Jr. Maria Eleanor B. Briones Thelma D. Mazo Rolino C. Bucao, Jr. Ma. Clotilde G. Medalla Benilda G. Cabardo Gaudencio F. Mendoza Barbara P. Cabo Proceso Z. Mendoza, Jr. Michael R. Cahigas Anthony R. Milan Rodolfo M. Carlos, Jr. Francis Jay F. Nacino Abigail Marie D. Casanova Emily T. Oquias Regina G. Caynap Anna Marie M. Pabellon Eugenio D. Chua Romeo G. Pangan Leticia T. Chua Rommel L. Parong Maria Clara D. Chua Ma. Teresa M. Quiogue Milagros K. Chua Mario D. Rabanal Luisa J. Co Eduardo C. Ramos Ma. Cristina Barbara V. Gilbert P. Ramos Concepcion Ester A. Recio Lolita L. Damasco Ma. Elena I. Rigor Iris Susan F. De Guzman Anthony B. Rivera Priscilla R. De Villa Victorina S. Ros Maria Teresita R. Dean Emily D. Samoy

37 We find ways

Products and Services

1. BRANCH BANKING Surety Bonds 8. DOMESTIC WHOLESALE LENDING & 13. TRUST AND INVESTMENTS Peso Deposits Marine Insurance INTERNATIONAL DESKS Unit Investment Trust Funds Automatic Miscellaneous Casualty Structured and Trade Finance BDO Peso Money Market Transfer Employee Benefits Domestic Wholesale Funding / Fund Facility (ATF) Accident Insurance Multilaterals BDO Peso Bond Fund Peso Passbook Brokering Services Funding Facilities BDO GS Fund Savings Account Risk Assessment Guarantee Facilities BDO Peso Fixed Income Fund Junior Savers Club Risk Survey/Inspection BDO Institutional Fixed Optimum Savings Account Risk Management 9. INVESTMENT BANKING Income Fund Super Savings Account Management Loan Syndication BDO Peso Balanced Fund Peso Time Deposit Claims Processing Underwriting and Private BDO Equity Fund Premium Flexi Earner Placement of Debt, Equity and BDO Institutional Equity Fund Regular Checking Account 4. BDO LEASING & FINANCE, INC. Quasi-Equity Issues BDO Merit Funds Smart Checking Leasing Project Finance BDO Dollar Money Market Super Checking Amortized Commercial Loan Financial Advisory/Mergers and Fund Foreign Currency Deposits Installment Paper Purchase Acquisitions BDO Dollar Bond Fund Dollar Savings Account Floor Stock Financing Brokering and Dealership of BDO Medium Term Dollar Dollar Super Saver Instant Cash (Domestic Debt Securities Bond Fund Dollar Time Deposit Factoring) Brokering and Dealership of Customized Portfolio Management Dollar PRA Equity Securities Living Trust Accounts Two/Three/Five Year Dollar 5. BDO PRIVATE BANKING Investment Management Time Deposit Peso and Foreign Currency 10. TRADE SERVICES Accounts Third Currency Savings Employee Benefit/Retirement Settlement Accounts Import/Export Letters of Credit Deposit Accounts Securities Custody and Domestic Letters of Credit Third Currency Time Deposit Personal Pension/Retirement Safekeeping Accounts Standby Letters of Credit Deposit –Related Services Accounts Deposits Documents Against Payment Manager’s Check Pre-Need Trust Funds Foreign Exchange Documents Against Acceptance BDO Gift Check Institutional/Corporate Derivatives Open Account Agreements BDO Share Gift Check Trust Funds Consolidated Cash and Export Negotiations Customized Check Dollar Trust Funds Securities Statement Shipping Guarantee Demand Draft Special Trust Services Wealth Advisory Trust Receipt Telegraphic Transfer Mortgage or Collateral Trust Financial Planning Inventory Financing Interbranch Deposit Facility/Loan Agency Financial Asset Consolidation Final Duties and Taxes Deposit Pick-Up Services Investment Advisory and Escrow Agency Night Depository Service Registry/Transfer Agency Management 11. TRANSACTION BANKING Safe Deposit Box Collection/Paying Agency Tax and Estate Advisory Cash Management Services Foreign Exchange Safekeeping Services Collection Services Over-the-Counter Purchase/ Special Purpose Trust Disbursement Services Sale of FX Investment Management 6. COMMERCIAL & INDUSTRIAL BANKING Account & Information Traveller’s Checks Advisory Services Credit Lines Services Demand Draft Bills Purchase Lines Card Products 14. ASSET MANAGEMENT Check Discounting Lines Debit Cards 2. REMITTANCE SERVICES Sale of Property Term Loans Pre-paid Cards Credit to BDO Account Residential Letter of Credit (LC)/Trust Electronic Banking Cash Pick-Up Commercial Receipt (TR) Financing Internet Banking Anywhere available at: Industrial Stand-By LC Mobile Internet BDO Branches Vehicles CTS Financing Banking BDO Remit Machinery and Equipment Export Bills Purchase Phone Banking Counters at Malls Club Shares Export Packaging Credit Mobile Banking Accredited Rural Bank Leasing of Properties FX Settlement Debit Point-of-Sale (POS) Partners Commercial Sugar Quedan Financing Banking Accredited Financial Industrial Receivables Purchase Facility Bills Payment Service Partners BDO Remit Cash Card 7. CONSUMER LOANS & SERVICES BDO Savings Account 12. TREASURY DEALERSHIP & BROKERING Auto Loans (New, Used, Fleet) SERVICES (USD & PHP) Home Loans (Wholesale and Treasury Bills & Bonds BDO Time Deposit Retail) Fixed Rate Treasury Notes BDO Shipping Dollar Savings Business Mortgage Loans Commercial Papers Account Credit Card Issuing Foreign Currency Denominated BDO Current Account MasterCard Bonds Direct Deposit Program VISA FX Forwards and Swaps Other Services American (including Non-Deliverable Credit to Other Local Banks Express Forwards) Cash Door-to-Door JCB Interest Rate Swaps & Cross Union Pay Currency Swaps 3. BDO INSURANCE BROKERS, INC. Merchant and E-Commerce Insurance Products Acquiring Property/Fire Insurance Motor Car Insurance Engineering Insurance

38 2010 Annual Report

BDO Group of Companies

PHILIPPINE SUBSIDIARIES EQUITABLE CARD NETWORK, INC. EXPRESS PADALA FRANKFURT GmbH Al Rajhi Banking - Buraidah 11th Floor, JMT Corporate Grosse Friedberger Strasse 6 60313 Tahweel Al Rahji Buraidah, AND AFFILIATES Condominium, 27 ADB Avenue, Frankfurt, Am Main, Germany Al Qassim, KSA , City (004969) 720-07010 to 13 00966-509096758 ARMSTRONG SECURITIES, INC. 702-6000 loc. 6717-58151 BDO South Tower, BDO REMIT (ITALIA) S.p.A. Al Rajhi Banking - Jeddah corner H.V. dela Costa Street, GENERALI PILIPINAS HOLDINGS, INC. Via C. Boldrini 12, 40121 Bologna, Tahweel Al-Rajhi Jeddah, Makati City 5th Floor, Gercon Plaza Bldg., Italia Queen’s Bldg. Balad, Jeddah, KSA 878-4559 7901 Makati Avenue, Makati City, (0039051) 251-992 00966-509191495 Philippines 1227 BDO CAPITAL & INVESTMENT 886-5258 Via San Zanobi 5-7/R 50129 Firenze, Al Rajhi Banking - Riyadh CORPORATION Italia P.O. Box 22022, Riyadh 11495, KSA 20th Floor, South Tower, BDO NORTHPINE LAND INCORPORATED (0039055) 462-5225 00966-504417063 / 00966-563420906 Corporate Center, 7899 Makati (formerly Jardine Land, Inc.) Avenue, Makati City Units 1505-1508, 15th Floor, The 2/F Via Dogali No. 20 98123 Messina, Al Zamil Exchange 878-4155/878-4125 , F. Ortigas Jr. Road, Italia P.O. Box 83, King Saud St. Ortigas Center, Pasig City (0039090) 228-6232 Cor. Cross A, Al Khobar 31952, KSA BDO ELITE SAVINGS BANK, INC. 637-1531 00966-551674802 / 00966-501427693 Via Speronari 6 20123 Milano, (formerly GE Money Bank, Inc. or GEMB) Italia Bank Al Bilad 10th and 11th Floors, Net Cube PCIB SECURITIES, INC. (003902) 725-2161 Enjaz Remittance Center Branch 153, Bldg., 30th Street corner 3rd Avenue, 20th Floor, South Tower, BDO Batha, Riyadh KSA Crescent Park West, Corporate Center, 7899 Makati Via Vicenza 5/A, Interior 2A 00185 00966-568253093 / 00966-556463006 Avenue, Makati City Roma, Italia 777-8600/878-4112 878-4564 (003906) 446-0395 UNITED ARAB EMIRATES BDO INSURANCE BROKERS, INC. SM KEPPEL LAND, INC. Via San Pio V, 10/C 10125 Torino, UAE Exchange Center 22nd Floor, Pacific Star Building, Penthouse, Benguet Centre Bldg., Italia P.O. Box 170, Level 02, Al Sayegh Senator Gil Puyat Ave. Corner 12 ADB Ave. Ortigas Center, (0039011) 669-0007 Centre, Hamdan St., Abu Dhabi, Makati Ave., Makati City City UAE 846-7008/702-6000 637-5184 BDO REMIT (USA), INC. 009715-07650473 / 009715-02460206 / 2365 S. Azusa Avenue, West Covina, 009712-6105555 BDO LEASING AND FINANCE, INC. STRATEGIC PROPERTY California 91792 BDO Leasing Centre, Corinthian HOLDINGS, INC. (001800) 4732-3252 / Al Ansari Exchange Gardens, Ortigas Ave., City 262 Juan Luna Street, 001 (626) 363-9800 P.O. Box 325 Liwa St., Heirs of 635-6416 , Manila Ameen Mohamed Baker Khoory 840-7897 215 South Vermont Avenue Bldg., Abu Dhabi, UAE BDO PRIVATE BANK, INC. Los Angeles, California 90004 00915-06216088 / 009710-2622788 27th Floor, Ayala Tower 1, Ayala TAAL LAND (001800) 372-3252 / Triangle, , Makati City 12th Floor, PSBank Center, 777 Paseo 001 (213) 229-4404 JORDAN 848-6300/848-6297 De Roxas Avenue, Makati City 898-9882 4830 Mission Street, Suite 101 Al Ghurair Exchange BDO RENTAL, INC. San Francisco, California 94112 Al Gardens St., Alasad Center, P.O. 2nd Floor, BDO Leasing Centre, FOREIGN SUBSIDIARIES 001 (415) 5879491 to 97 Box 3729, Amman Jordan Corinthian Gardens, Ortigas Ave., 009626-65549182-83 AND AFFILIATES 5845 North Clark Street Chicago, 635-6416 local 209 Illinois 60660 OMAN BDO REMIT LIMITED (001733) 271-7380 / 271-7382 BDO SECURITIES CORPORATION Shop 219, 2nd Floor Worldwide Al Jadeed Exchange 20th Floor, South Tower, BDO Plaza, 19 Des Voeux Rd., REPRESENTATIVE OFFICES P.O. Box 3705, P.C. 112, Corporate Center, 7899 Makati Central Hong Kong Sultanate of Oman (00852) 2537-7148 / 2530-2236 Avenue, Makati City TAIPEI 00968-92578862 / 00968-24789035 878-4556/878-4557 Unit 3D, No. 132/134, Cathay Cosmos EXPRESS PADALA (HONG KONG) Building, Sec. 03 Minsheng East Rd., QATAR LIMITED BDO STRATEGIC HOLDINGS, INC. Taipei, Taiwan Shop 231-232 & 237, 2nd Floor Gulf Exchange (formerly EBC Investments, Inc. or EBCII) (00886) 2545-6887 BDO Building, Worldwide Plaza, 19 Des Voeux Road P.O. Box 4847, Doha Qatar Central, Hong Kong corner Sen. Gil Puyat Avenues, PARIS 00974-33606298 / 00974-33606299 (00852) 2525-5629 / 2525-4268 / Makati City 86 Rue de la Pompe, 75016 Paris, 2525-7160 / 2877-3776 840-7897 France BAHRAIN (00331) 5375-1142 BDO TECHNOLOGY CENTER, INC. Shop 159, Ground Floor Dalil Exchange Lik Sang Plaza, P.O. Box 20404 Gov’t Road, Manama, North Tower, BDO Corporate Center, ISRAEL 269 Castle Peak Road, Tsuen Wan, Kingdom of Bahrain 7899 Makati Avenue, Makati City BDO Remit (Israel) Limited New Territories, Hong Kong 009733-9479981 / 009317-223464 840-7897 4th Floor Shop 4412 New Tachana (00852) 2412-0399 Merkazit, 108 Levinsky St., Tel Aviv,

66052 Israel KUWAIT EBC STRATEGIC HOLDINGS CORPORATION BDO REMIT (MACAU) LIMITED 00972 3 6390163 / 00972 3 5379294 262 Juan Luna Street, Binondo, Avenida de D. Joao IV No.6A Edificio Etemadco Exchange Manila China Plaza, R/C (V)Macau, SAR Souk Al-Watiya, #95 Near Adidas, 840-7897 (00853) 28714039 DESK OFFICES Maliya, Kuwait 009656-7067039 / 009656-7749319 EQUIMARK - NFC DEVELOPMENT Dr. Alameda Dr. Carlos SAUDI ARABIA CORPORATION D’ Assumpcao, No. 92, Rm. 603, EBC Bldg., 262 Juan Luna Wan Yu Villas, R/C, Macau Al Rajhi Banking - Al Khobar St., Binondo, Manila (00853) 28373-324, 28374-385 P.O. Box 1362, Alkhobar 31952 KSA 840-7897 00966-502863556

39 We find ways

Branch Directory 392 Branches 722 ATMs

CALOOCAN

LOCATION BRANCHES ATM 13 18 VALENZUELA Las Piñas 9 23 NAVOTAS Makati 60 100

MALABON QUEZON CITY Malabon 4 4 Mandaluyong 17 45 Manila 85 127 Marikina 9 18 Muntinlupa 10 23

MANILA SAN JUAN Navotas 2 3 Parañaque 20 43 MANDALUYONG Pasay 15 44 PASIG Pasig 27 43 MAKATI PATEROS Pateros 2 2 PASAY CITY Quezon City 89 176 San Juan 12 20 Taguig 11 15 Valenzuela 7 18 PARAÑAQUE

LAS PIÑAS 0

MUNTINLUPA

*As of March 2011

40 2010 Annual Report

GRACE PARK - 11TH AVENUE SM SOUTHMALL A BAGTICAN - PASONG TAMO METRO MANILA 1619 Avenue Extension corner UG/F SM Southmall, Alabang-Zapote Road, Unit 102 G/F Pryce Center Condominium, 11th Avenue, 1400 Caloocan City Las Piñas City 1179 Ave. corner Bagtican

366-1978, 366-1980, 361-1441, 361-2098, 805-7568, 801-9050, 801-9046, 800-1648, St., San Antonio Village, Makati City CALOOCAN 366-1926, 366-1927, 367-2349 800-3614, 800-0471 899-1059, 899-1063, 899-1061, Fax 361-1421 Fax 800-0472, 805-1558 899-1053 CALOOCAN Fax 899-1052 Extension near corner MONUMENTO SM SOUTHMALL B 11th Avenue, Grace Park, Caloocan City MacArthur Highway corner Calle Uno, UG/F SM Southmall, Alabang-Zapote Road, BDO CORPORATE CENTER 366-0948, 365-5184, 363-7402 Caloocan City Las Piñas City BDO South Tower, Makati Avenue corner Fax 364-5440 361-3295, 365-5470, 365-6250, 330-5683, 800-6798, 800-9122, 800-0590, 800-0545 HV Dela Costa St., 1227 Makati City 362-0295, 367-1486 Fax 800-9597 878-4643 loc. 7909, 7851, 878-4640 CALOOCAN - A. MABINI Fax 365-8290, 364-0532 loc. 2166, 878-4094, 878-4636, G/F Corazon Bldg. 432 A. Mabini St. MAKATI 878-4642, 878-4645, loc. 7801, Poblacion Caloocan City 840-7782 loc. 2001, 2601, 878-4638, 287-4135, 285-4364, 287-4208 G/F Ma. Cristina Bldg. Samson Road corner 840-7974 loc. 2330, loc 2479, 2231, 7736, A. ARNAIZ - SAN LORENZO VILLAGE Fax 285-5962 UE Tech., Caloocan City 2230, 840-7972 361-0602, 366-4698, 361-2538 L & R Bldg., 1018 A. , Fax 878-4039, 878-4670, 878-4631 Makati City CALOOCAN - SANGANDAAN Fax 362-8140 887-1291, 845-1011, 844-2648, No. 628 A. Mabini St., 1408 Sangandaan, BEL-AIR 844-3045, 843-0533 Caloocan City G/F SM Makati Cyberzone 1 along LAS PIÑAS Fax 843-0522 288-5525, 287-0578, 288-5540, 287-5025 Sen. , Makati City

Fax 285-2738 895-1579, 895-1512, 895-1428, LAS PIÑAS - ALMANZA ALFARO - SALCEDO VILLAGE 896-8245, 899-4087, 899-6297, Alabang-Zapote Road, Almanza Uno, G/F PCCI Bldg., 118 Leviste St. (formerly CALOOCAN - 7TH AVENUE 899-5156, 899-6259 Las Piñas, Metro Manila Alfaro St.), Salcedo Village, Makati City Rizal Avenue Extension corner Fax 890-8475 801-6357, 801-6399, 801-6400 815-3014, 751-0237, 817-6655, 892-1231 7th Avenue, Caloocan City Fax 801-6359 Fax 815-2988 361-1074, 361-1249, 362-1873, 366-2456 BEL-AIR - GIL PUYAT

Fax 361-1272 Country Space I Condominium Bldg., LAS PIÑAS - BF RESORT AMORSOLO Sen. Gil Puyat Avenue, Bel-Air Village, BDO Bldg., Blk 4 Lot 9 BF Resort Drive G/F Queensway Bldg., No. 118 Amorsolo St. EDSA - A. DE JESUS 1209, Makati City Phase 4, BF Resort Village, Las Piñas Legaspi Village, Makati City 474 EDSA corner B. Serrano and 892-6891, 815-2013, 751-0238 873-8925, 873-8923 813-8434, 817-7763, 810-2202 A. De Jesus St., 1403 Caloocan City Fax 818-8242 Fax 873-8918 Fax 891-5533 366-5638, 366-5639, 366-8714, 366-6088 Fax 363-3845 CASH & CARRY LAS PIÑAS - NAGA ROAD ASIA TOWER - PASEO G/F Unit No. G01A, Cash & Carry Mall, Near Corner Naga Road and Main Access G/F Asia Tower corner Paseo de Roxas & EDSA EAST - CALOOCAN South Super Highway & Filmore St., Road., E.T. Homes 2, Pulang Lupa 2, Benavidez St., 1229 Makati City L & E Bldg. EDSA corner Makati City Las Piñas City 750-6888, 841-0384, 841-0385, 841-0245 Gen. Concepcion St. Caloocan City 887-3210, 887-6205, 710-0259, 820-0722, 820-0738, 826-6307 Fax 750-9888 330-5834, 330-5836, 330-5837, 367-8751 710-0253, 887-3210, 887-5360 Fax 820-0732 Fax 330-5832 Fax 887-3210 AYALA - RUFINO LAS PIÑAS - PAMPLONA G/F Rufino Bldg. Ayala Avenue corner GENERAL LUIS Alabang-Zapote Road, Pamplona, Herrera St., 1226 Makati City 297 General Luis St. Barrio Kaybiga, Units 3 & 4 La Fuerza Plaza, Chino Roces, Las Piñas City 815-4536, 812-4214, 812-4243, Caloocan City Makati City 875-6766, 872-0824, 872-2563 815-4528, 810-1476, 889-9548 937-3355, 419-3005, 939-6152 893-7851, 893-7859 Fax 872-9911 Fax 810-1439 Fax 938-6020 Fax 867-1549 LAS PIÑAS - PHILAMLIFE AVENUE AYALA AVENUE GRACE PARK DELA ROSA - RADA Alabang-Zapote Road, Pamplona Tres, 6805 Multinational Bancorporation Bldg., G/F A & R Bldg. 213 Rizal Avenue Extension, Ace Bldg., corner Dela Rosa & Rada St., 1740 Las Piñas, MM Ayala, Makati City Grace Park, Caloocan City Legaspi Village, 1229 Makati City 874-4259, 872-8167, 874-4252, 874-0325 844-5278, 844-5286, 856-4034, 856-4035 365-5805, 365-5804, 365-2569, 364-0818 813-4912, 815-4163, 893-1495, Fax 874-3892 Fax 844-5301 Fax 364-6125, 365-5166 892-6572, 893-8770, 751-6753, 893-0074 LAS PIÑAS - TALON AYALA AVENUE - PEOPLE SUPPORT GRACE PARK - 8TH AVENUE Fax 817-2323 G/F Motiontrade Bldg. Alabang-Zapote Road, G/F People Support Center, Amorsolo St. Rizal Avenue Extension Grace Park, Caloocan City Talon, Las Piñas City corner Ayala Avenue, Makati City DIAN - GIL PUYAT 363-5633, 363-5628, 363-1626, 805-1922, 800-9559, 800-8920, 802-3504, 889-7552, 889-7554, 889-7556, 750-6007, G/F EPCIB Bldg., Sen. Gil Puyat Avenue 363-5665, 363-5635, 363-5620, 363-5668 805-1921 750-6008 corner Dian St., Makati City Fax 361-1299, 361-1622 Fax 800-9999 Fax 889-7480 844-2554, 889-1564, 845-3239 Fax 844-8924 GRACE PARK - 9TH AVENUE SM CENTER LAS PIÑAS AYALA TRIANGLE 1 414 Rizal Avenue Extension, Grace Park, LGF SM Center Las Piñas, Alabang-Zapote GM-B G/F Tower 1, Ayala Triangle, DPC PLACE - CHINO ROCES 1400 Caloocan City Road, Brgy. Pamplona Dos, Las Piñas City Ayala Avenue, Makati City G/F (Unit 102) of DPC Place, 365-7308, 363-3581, 361-1215, 361-1208, 875-1553, 875-1574, 875-1695, 875-1750, 891-9950, 759-4413, 848-6734, 2322 Chino Roces Avenue, Makati City 361-1984, 364-9190, 367-7017 875-1770 891-9948 to 49, 891-9896 889-5104, 889-8697, 889-8623, Fax 364-9148 Fax 872-4750 Fax 891-9896, 891-9897 889-8626, 886-4981, 886-4982 Fax 889-8687

41 We find ways

Branch Directory

EDSA - BANGKAL LEGASPI VILLAGE - SALCEDO ST. PASAY ROAD SALCEDO No.3 EDSA Brgy. Bangkal, EBC Bldg., 203 Salcedo St., 845 Corporate Plaza Bldg. Pasay Road, Golden Rock Bldg. 168 Salcedo St., Makati City Legaspi Village, Makati City Makati City Legaspi Village, Makati City 843-5162, 843-0091, 843-0094 812-5873,812-5874, 810-5568, 844-4091 894-1732, 817-6113, 810-9382, 818-1783 816-1467, 816-1478, 816-1489 Fax 843-0093 Fax 812-6145 Fax 818-2958 Fax 816-1468

ENTERPRISE CENTER - AYALA AVENUE MAGALLANES VILLAGE PASEO - GIL PUYAT SM HYPERMARKET MAKATI 3 Level, Tower 1, The Enterprise Center, Unit 104 The Gate Way Center, EBC Bldg., Paseo De Roxas corner SM Hypermarket Makati, 6766 Ayala Avenue, Makati City Paseo de Magallanes, Magallanes Village, Gil Puyat Avenue, Makati City 5560 Osmeña Highway corner 886-5498, 886-5499, 728-1076 Makati City 895-3949, 895-0055, 895-5918, 890-9531 Finlandia St., San Isidro, Makati City 887-4265, 844-3503, 844-3509, Fax 886-5500 852-9640, 852-9643, 852-9843, Fax 897-6149 887-4519 853-4620 Fax 844-3507 EVANGELISTA - MAKATI Fax 852-9843 PASEO DE ROXAS 2 1695 Evangelista St. corner Gen. Lacuna St., G/F BDO Plaza, 8737 Paseo de Roxas St., SM MAKATI Bangkal, Makati City 1233 MAKATI - ESTEBAN Makati City Shoemart Annex Bldg. Ayala Center, 844-9278, 844-9276, 888-2497 G/F A & V Crystal Tower, 105 Esteban St., 811-4285, 892-7333, 892-9796, 811-4281, Makati City Fax 893-1810 Legaspi Village, Makati City 892-9796, 840-3366, 811-4282, 892-5703 893-3241, 817-0856, 813-3975, 403-8455, 403-8458, 403-8459, Fax 892-5252 812-6844, 812-6838 GC CORPORATE PLAZA - LEGASPI ST. 403-8460 Fax 818-0855, 892-2182 G/F 150 GC Corporate Plaza, Legaspi St. Telefax 403-8455 PASEO TOWER - MAKATI Legaspi Village, 1229 Makati City Equitable Bank Tower, SOUTHGATE MALL - EDSA 817-8657, 893-5625, 817-2970 MAKATI AVENUE - AYALA 8751 Paseo de Roxas, Makati City Unit G 02, G/F Southgate Mall, Edsa corner 817-4421, 886-0012, 843-5480, Fax 817-0160 L.V. Locsin Bldg., Ayala Avenue corner Pasong Tamo Extension, Makati City 886-0014, 886-0011, 886-0018 828-2224, 856-5971, 828-8237 Makati Avenue, 1228 Makati City Fax 886-0015 Fax 828-8707 GIL J. PUYAT 840-4529, 818-7286, 893-9529 Telefax 843-5464, 815-2204 Union Ajinomoto Bldg. Sen. Gil Puyat Ave., 893-8162, 817-7455 TORDESILLAS Makati City Fax 817-7180 PASONG TAMO EXT. G/F Cambridge Centre, 108 Tordesillas 897-4841, 890-6546, 895-0471, G/F Allegro Center, Pasong Tamo corner Gallardo Sts., Salcedo Village, 896-4843, 897-4838 MAKATI CINEMA SQUARE Extension, Makati City Makati City Fax 890-6357 Makati Cinema Square, Pasong Tamo, 817-5456, 817-5443, 817-5439 894-0383, 893-9699, 893-0198, 1229 Makati City Fax 817-5641 812-7873, 753-3656 844-2641, 811-1523, 811-1458, Fax 753-3657 G/F 108 Legaspi St. corner Paseo de Roxas, 844-1990 PEREA - PASEO TRIDENT - GIL PUYAT Pioneer House Bldg., Legaspi Village, Fax 811-1447 G/F Universal Re Bldg. 106 Paseo de Roxas G/F Trident Tower Bldg., Makati City 1228 Makati City 312 Sen. Gil Puyat Ave., Makati City 894-0513, 840-4568, 840-4541, MAKATI SHANGRI-LA HOTEL 817-1519, 816-2220, 817-7457, 815-9032 845-4216, 845-4217, 887-4763 830-2286 Unit 191 Shangri-la Hotel Manila, Fax 817-1845 Fax 845-2401 Fax 830-2281 Ayala Center, Makati City 813-5004, 813-5006, 813-5007, PHILAM TOWER - VALERO V. A. RUFINO HERRERA 813-4788, 817-0295 G/F , G/F Chatham House, Herrera St. corner V.A. Rufino corner Sotto St. Legaspi Village, Fax 813-5005 8767 Paseo de Roxas, Makati City Valero & San Agustin Sts., Salcedo Village, Makati City 843-4297, 843-4265, 843-4237, 843-4310 Makati City 812-3074, 812-7054, 812-3740, 759-4416, MEDICAL PLAZA - LEGASPI VILLAGE Fax 843-4365 403-2278, 403-2279, 403-1926 810-0303 Unit 101, G/F Medical Plaza Makati, Fax No. 403-2280 Fax 759-4415 Amorsolo St. corner Dela Rosa St. RADA G/F One Legaspi Park, Rada St., V. A. RUFINO – TUSCAN Legaspi Village, Makati City Legaspi Village, Makati City G/F Tuscan Condominium, 114 V.A. Rufino H.V. DELA COSTA 813-2585, 750-5545, 813-2739 909-2011, 909-2012, 909-2013 St., Legaspi Village, Makati City 120 Westgate Plaza Condominium, Fax 750-5546 Fax 909-2014 894-1552, 894-2645, 894-2975 Salcedo Village, Makati City Fax 894-0318 867-4365, 813-1570, 817-9967 METROPOLITAN AVENUE REPOSO - MAKATI Fax 813-1493 G/F Metropolitan Terraces, Metropolitan EBC Bldg. JP Rizal corner N. Garcia VALERO Avenue corner Sacred Heart St. (formerly Reposo), Makati City G/F Pearlbank Center 146 Valero St. J.P. RIZAL (formerly Dao St.), Makati City 896-2437, 897-8651, 897-8648, Salcedo Village, Makati City 817-9678, 817-9586, 817-9675, 872 JP Rizal St. Barangay Poblacion, 899-6618, 899-6693, 899-6631, 890-5437 896-1790 750-1032 Makati City Fax 899-6667 Fax 897-8655 895-7730, 896-7276, 899-8690 Fax 750-1037, 817-9586

Fax 899-8443 NEPTUNE - MAKATI AVENUE ROCKWELL VILLAR - SALCEDO VILLAGE 101 Neptune St. corner Makati Avenue G/F Power Plant Mall, Rockwell Center, Eurovilla III Condominium 154 Villar St., JUPITER - REPOSO 1209 Makati City Amapola corner Estrella St. Makati City corner L.P. Leviste St., Salcedo Village, G/F CEI Headquarters, 158 Jupiter St. 897-2174, 751-6332, 897-8483, 897-2694 899-1488, 899-1250, 899-6196 Makati City corner N. Garcia St., Bel-Air Village, Fax 896-6062 Fax 899-1489 818-1681, 894-1049, 812-5070 Makati City Fax 894-1048 896-8095, 896-8078, 890-5208 PACIFIC STAR - MAKATI ROCKWELL CENTER - MAKATI Fax 896-8807 G/F Pacific Star Bldg., Sen. Gil Puyat Lot 3, Block 7, Rockwell Drive, WASHINGTON - GIL PUYAT Avenue corner Makati Avenue, Makati City Rockwell Center, Poblacion, Makati City G/F Keystone Bldg., 220 Gil Puyat Avenue, LEGASPI VILLAGE - C. PALANCA 811-5939, 811-5938, 811-5567, 811-5225 898-1742, 897-1743, 898-1744, Makati City 844-0045, 844-1325, 844-7633, 893-2183, G/F, Colonade Residences, Fax 811-5568 898-1745, 898-1891, 897-3992 893-2180, 893-9063 No. 132 Legaspi Village, Makati City Fax 898-1746 Fax 893-9063 519-3043, 519-8400, 519-8399 Fax 519-6284

42 2010 Annual Report

ORTIGAS CENTER ARRANQUE - T. ALONZO DASMARIÑAS ST. - BINONDO MALABON UG/F SM Megamall Bldg. A., Ortigas Center, 733 T. Alonzo St., Manila PCIBank Bldg., Dasmariñas St., Binondo, Mandaluyong City 733-4655, 733-4648, 733-4657 1006 Manila MALABON 638-3463, 638-4571, 638-4783, 638-4913, Fax 733-9493 242-9413, 242-9415, 242-9416, 242-9395, 685 JP Rizal St. Barangay San Agustin, 702-6000 locals 52551, 52552, 52553, 242-9390, 242-9389, 245-1756 Malabon City 52555, 52556, 52557 to 60, 6279 BINONDO Fax 243-3144, 242-9390 281-9254, 281-9252, 281-5603 Fax 638-4913, 638-4239 411 Quintin Paredes St. Binondo, Manila Fax 281-5604 241-3055, 247-4278, 241-3050, 241-3065 PIONEER HIGHLANDS - MADISON Fax 241-2892 744-746 Ilaya St. Tondo, Manila MALABON - GOV. PASCUAL Unit 01 (facing Madison St.) 241-8607, 241-4158, 241-8617, 241-4159 G/F MGC Veranda Bldg., LG/F Plaza 1 Bldg., BLUMENTRITT Fax 241-8617 31 Gov. Pascual Avenue, Tinejeros, Pioneer St., corner Madison St., 2325 Rizal Avenue corner Antipolo St. Malabon City Mandaluyong City Sta. Cruz, Manila ECHAGUE 288-7751, 288-6870, 288-7491 746-0081, 634-7933, 746-3806 255-6260, 254-1945, 251-8135, 256-5009 Nos. 116-120 C. Palanca St., Fax 285-6411 Fax 746-3805 Fax 256-5012 Quiapo, Manila 733-7436, 733-7437, 733-7434, 734-6858 MALABON - RIZAL AVENUE SHANGRI-LA PLAZA MALL - EDSA C. PALANCA - QUIAPO Fax 734-8131 694 Rizal Avenue, 1470 Malabon Unit#129-A, Level 1, Shangri-la Plaza Mall, 132 Carlos Palanca St. Quiapo, Manila Metro Manila EDSA corner Shaw Blvd., Mandaluyong City 735-6403, 733-6342, 733-6343, ELCANO 281-0995, 281-0949, 281-1005, 638-2692, 638-2693, 633-4187 733-6337, 733-6334 SHC Tower 619 Elcano St., 281-0536, 281-0538 Fax 687-6944 Fax 733-6329 San Nicolas, Manila Fax 281-5346 247-1957, 247-1958, 247-1960 SHAW BLVD. C.M. RECTO Fax 247-1959 POTRERO 555 Shaw Blvd. Mandaluyong City C. M. corner 110 MacArthur Highway corner 722-7572, 722-6677, 722-7584 Nicanor Reyes St., Manila ESPAÑA Riverside St. Potrero, Malabon Fax 722-7592 735-2554, 735-5686 Carmen Bldg. España corner 447-4554, 447-4555, 367-9806 Fax 735-5688 G. Tolentino St., Sampaloc, Manila Fax 364-6308 SHAW BLVD. - BEACON PLAZA 735-6698, 735-6573, 736-1770, 736-4159 UG 105-UG 106 Beacon Plaza, Shaw Blvd. C. M. RECTO - REINA REGENTE Fax 735-6588 MANDALUYONG Corner Ideal St., Mandaluyong City 1059 C. M. Recto Avenue corner 726-2314, 726-2450, 726-2364 Reina Regente St., Binondo, Manila ESPAÑA - BLUMENTRITT Fax 726-1107 244-3993, 244-3994, 245-7141, 245-7142 2101-2103 Espana Ave corner BONI - LIGAYA Fax 244-7318 Blumentritt St. 1008 Sampaloc, Manila 654 , 1550 Mandaluyong City SHAW BLVD. - LIBERTY CENTER 741-1517, 741-3274, 741-6709 534-0570, 534-3133, 534-3134 G/F, Units 1 & 2 Bldg. B, Liberty Center, C. M. RECTO - SAN SEBASTIAN Fax 731-5101 Fax 746-2747 Shaw Blvd., Mandaluyong City 2070 C.M. Recto St., 1008 Sampaloc, 655-2598, 655-6624 Manila ESPAÑA - M. DELA FUENTE BONI - MAYSILO Fax 655-4047 734-8889, 734-9682, 733-0267, 734-6679, Esperanza Place, España Boulevard corner 74 corner Boni Avenue, 734-9679 M. Dela Fuente St., Sampaloc, Manila Mandaluyong City Fax 736-9059 743-1202, 743-1175, 731-8547, 731-8653 531-6378, 532-5206, 531-3694, 534-6942 SHAW BLVD. - STANFORD Fax 731-8544 Fax 531-3550 EBC Bldg. Shaw Blvd. corner Stanford St. Mandaluyong City CARMEN PLANAS 723-5523, 723-8705, 723-8708 812 O’ Racca Bldg. Carmen Planas St., GANDARA EDSA - POEA Fax 723-8707 Divisoria, Manila 811-813 Sabino Padilla St. POEA Bldg., EDSA corner , 242-6712, 242-6704, 243-3595 (formerly Gandara St.) Sta. Cruz, Manila Mandaluyong City Fax 242-4252 733-1342, 734-3255, 734-4574, 724-5943, 724-5955 SHAW BLVD. - YULO 733-3705, 733-8079, 736-6382 Fax 724-5966 285 A. Shaw Blvd. corner L. Cruz St. Mandaluyong City CARMEN PLANAS - PADRE RADA Fax 734-3254, 733-1338 533-5424, 533-6518, 533-5252, 533-7688 1033-1035 C. Planas St. 1012 Tondo, EDSA - RELIANCE ST. Fax 534-8419 Manila GANDARA - SOLER G/F Paragon Plaza corner Reliance St. 245-2240, 245-2323, 243-0217 1268 Soler St. corner S. Padilla St., Mandaluyong City Fax 245-1648 1006 Binondo, Manila 638-9070, 638-9066, 638-9072, 687-6804 SM MEGAMALL A 244-8097, 244-8039, 247-6507 Fax 638-9069 G/F SM Megamall Bldg. A, Ortigas Center, Mandaluyong City CARMEN PLANAS - ZARAGOSA Fax 244-8041 631-9813, 633-1786, 635-2358, 633-1785, 921 Carmen Planas St. corner KALENTONG 634-0437 Zaragosa St., Tondo, Manila HARRISON PLAZA MRDC Bldg. Shaw Blvd. corner Fax 633-1784 243-4879, 243-4881, 243-4882 Unit R-5 URDI Bldg. Harrison Plaza Gen. Kalentong St. Mandaluyong City Fax 245-5207 Shopping Complex, F. B. Harrison, 532-8953, 531-9146, 531-6984 Malate, Manila Fax 531-7071 SM MEGAMALL B Upper & Lower Ground Floors, CENTRAL MARKET - V. FUGOSO 524-4308, 525-2954, 524-6533, 536-1573 SM Megamall Bldg B, Julia Vargas cor 1711 V. Fugoso St. corner Sulu St., Fax 523-2732 MANDALUYONG - EDSA, Ortigas Center, Mandaluyong City Sta. Cruz, Manila DMG Center, Libertad St. corner M. Cruz St., 632-7425, 631-2956, 631-9843, 734-1509, 735-0664, 734-3048 ILAYA Mandaluyong City 631-9806, 633-4969, 633-1924 Fax 735-0664 1049-1051 Ilaya St. Divisoria, Manila 470-1897, 470-1898, 470-1899, 470-1900 Fax 635-5172-LG, 631-6766-UG 245-5508, 245-5510, 242-1686, Fax 470-1899 DAPITAN ST. - A. H. LACSON AVE. 245-0235, 245-0242 Dioresa Plaza, Dapitan St. corner Fax 245-0569 MANDALUYONG - LIBERTAD MANILA A.H. Lacson Ave., Sampaloc, Manila Sierra Madre St. corner Libertad St., 731-8574,740-7316, 741-5615 ILAYA - M. DE SANTOS Mandaluyong City ARRANQUE Fax 712-7674 632 M. de Santos St., Manila 571-5041, 571-5043, 571-5044 1359-1361 Soler St. Sta. Cruz, Manila 243-1826, 243-1828, 243-1829, Fax 571-5042 734-2550, 733-0934, 733-3538, 733-0916 243-1830, 243-1831 Fax 734-2549 Fax 243-1827

43 We find ways

Branch Directory

ILAYA - PADRE RADA MASANGKAY - CM RECTO PEDRO GIL - A. MABINI ROBINSON’S PLACE - MANILA 940-942 Ilaya St., Tondo, Manila 1029-1031 JP Bldg., Masangkay corner 1567-1571 Salud Bldg. Pedro Gil corner G/F Robinson’s Manila corner 242-1110, 245-5478, 245-0283 Tronqued St., Sta. Cruz, Manila A. Mabini St., Manila Pedro Gil M. Orosa St., Ermita, Manila Fax 245-0107 244-0185, 244-1806, 244-1808 400-7362, 700-7363, 525-6121 536-7901, 536-7902, 525-6430, 536-0331 Fax 244-0186 Fax 400-7364 Fax 536-7898 INTRAMUROS G/F Chamber of Commerce Bldg. #3 MASANGKAY - LUZON ST. PEDRO GIL - ADRIATICO ROXAS BLVD. - R. SALAS Magallanes Drive, Intramuros, Manila 907 Luzon St, corner Masangkay St., Adriatico St. near cor. Pedro Gil St., S & L Bldg., Roxas Blvd. St. corner 527-7998, 527-7964, 527-8585 Tondo, Manila Malate, Manila Romero Salas St., Ermita, Manila Fax 527-7574 252-4456, 252-1149, 254-5056 524-6001, 536-0607, 450-1693 524-8469, 450-8300, 536-7697 Fax 254-9528 Fax 524-6002 Fax 450-8297 J. ABAD SANTOS G/F Ching Leong Temple, NAGTAHAN PLAZA CALDERON - PEDRO GIL SALES ST. - RAON J. , Tondo, Manila G/F SM Nagtahan, Magsaysay Blvd. corner G/F Unit C, Harmonic Seven Bldg., 545 Sales St. corner G. Puyat St., (Raon) 252-2139, 252-2141, 252-2127, Nagtahan Road, Sampaloc, Manila 2332-2334 Pedro Gil corner Vesta St., 1016 Sta. Cruz, Manila 255-6594 516-0681, 516-0682, 516-0683 Sta. Ana, Manila 733-6679, 733-7785, 733-7866, 488-2651 Fax 252-2140 Fax 516-0630 563-4803, 562-6816, 563-7156, 562-6841 Fax 733-6673 Fax 564-6548 JAS - ANTIPOLO OLD STA. MESA - ALBINA SAN ANDRES G/F Intercast Corporate Tower, Newton Plaza, Old Sta. Mesa corner PLAZA STA. CRUZ - DASMARIÑAS ST. San Andres corner A. Linao St., 2230 J. Abad Santos Avenue, Albina St., Sampaloc, Manila 377 Plaza Sta. Cruz 1003 Sta. Cruz, Manila Malate, Manila Tondo, Manila 559-6702, 559-6703, 559-6704 733-3003, 733-3004, 733-3001, 733-3006 525-6658, 525-6633, 484-2237 253-6544, 253-6566, 253-6606 Fax 559-6697 Fax 733-3018 Fax 525-6429 Fax 253-6555 ONGPIN PORT AREA - SOUTH HARBOR SM CITY MANILA JAS - RECTO Unit ABC Imperial Sky Garden, G/F Velco Center, R.S. Oca corner A.C. LG/F SM City Manila, Concepcion corner 1174 J. Abad Santos Avenue, Ongpin St., corner T. Pinpin St., Delgado St., Port Area, Manila Arroceros and San Marcelino Sts., Manila Tondo, Manila Binondo, Manila 527-0694, 527-0717, 527-0793, 536-8193 524-7788, 524-7787, 524-7978, 524-7801 251-7584, 256-6572 244-3738, 243-5516, 241-8143 Fax 527-0695 Fax 524-7788 Fax 251-7578 Fax 2418143 QUIAPO - QUEZON BLVD. SM CITY SAN LAZARO JUAN LUNA ONGPIN - T. ALONZO Quezon Blvd., 1001, Quiapo, Manila Felix Huertas corner A. H. Lacson St., 262 Juan Luna St., Binondo, Manila Unit 564 and 566 Gel Tower, T. Alonzo St., 733-6295, 733-6249, 735-0953, 734-0477, Sta. Cruz, Manila 241-5967, 242-6421, 241-6065, 241-5774, Sta. Cruz, Manila 734-0478 741-5603, 731-5682, 711-6922, 743-3910 243-0195, 241-5782, 733-9556, 733-1461, 733-1477, 733-9518 Fax 733-6040 Fax 743-1310 840-7000 locals 37896, 39629, 39630, Fax 733-1459 39627, 39623, 39624, 39625, 39626, QUIAPO - QUINTA MARKET SM HYPERMARKET ADRIATICO 39621, 39622 ONGPIN - TOMAS MAPUA Quezon Blvd. corner C. Palanca St., G/F SM Hypermarket Adriatico, Fax 241-4487, 241-5787 1004-1006 Ongpin St., Sta. Cruz, Manila Quiapo, Manila M. Adriatico St., Manila 734-2944, 735-2524, 735-8641 735-9591, 947-3594, 947-3595, 735-9593, 559-7961, 559-7962, 559-7964 KAMAGONG Fax 734-2945 735-9594, 735-9595 Fax 559-7963 2567 P. Ocampo (Vito Cruz Extension) corner Fax 735-9592 Madre Perla St., Manila PABLO OCAMPO SR. ST. - ARELLANO AVENUE SOLER 563-0504, 564-7104, 564-2870, 563-1895 Barko Bldg., P. Ocampo Sr. St., corner QUINTIN PAREDES U-1118 & 1120 Gracetown Bldg. corner Fax 564-4435 Arellano Ave. & Enriquez St., 524 Enterprise Bldg. Soler & Alvarado Sts., Binondo, Manila Malate, Manila Quintin Paredes St., corner Carvajal St., 243-7819, 243-6915, 245-0286 LAVEZARES 353-8312, 353-9239, 353-9240 Binondo, Manila Fax 244-7624 321-325 Garden City Condominium Fax 353-9241 243-4042,243-4043,243-4044 corner Lavezares & Camba Sts., Fax 243-4041,243-9687 SOLER - REINA REGENTE San Nicolas, Manila PACO 1087 Soler St., Binondo, Manila 242-4244, 242-4249, 242-4250, 242-4251 1054-1060 Pedro Gil St., Paco, Manila QUIRINO PACO 244-1146, 244-1165, 244-1166 Fax 242-4254 523-7290, 521-3647, 523-0541, 525-7644, CRS Tower corner Perdigon St., Fax 243-5827 525-7640, 523-1711, 523-1736, 536-6448, Pres. , Paco, Manila LUNETA - T.M. KALAW 536-6449 561-7305, 562-2153 STO. CRISTO 707 T.M. Kalaw St. corner Churruca St., Fax 523-3249 Fax 561-7304 475-477 Kim Siu Ching Foundation Bldg. Ermita, Manila Sto. Cristo St., Binondo, Manila 242-4247, 242-2687, 242-0498, 243-4849, 523-5334, 524-0380, 525-6857, 525-5850, PACO - A. LINAO RIZAL AVENUE 243-4796, 559-9388 525-8378, 524-4849, 525-6590, 523-9834 1635-1641 A. Linao St., Paco, Manila 2502-2504 Rizal Avenue corner Fax 242-2672 Fax 524-4849 536-0358, 525-6521, 303-0399, 536-0359 St., Sta. Cruz, Manila Fax 536-0357 781-9976, 732-7483, 732-7451, 732-9848 STO. CRISTO - COMMERCIO MALATE - ADRIATICO Fax 740-3274 No. 686 Sto. Cristo St. Binondo, Manila Adriatico Executive Center, Adriatico St., PADRE FAURA - A. MABINI 242-5380, 242-5382, 242-5383 Ermita, Manila A. Mabini corner Padre Faura St., RIZAL AVENUE - BAMBANG Fax 242-2869 536-7514, 521-7751, 536-7517 1000 Ermita, Manila 1607 Alvarez St. corner Rizal Avenue, Fax 523-5866 525-8928, 523-3173 Sta. Cruz, 1003 Manila TABORA Fax 523-4879 711-8811, 493-6160, 711-9042 859-861 L & J Bldg. Tabora St., MASANGKAY Fax 711-7734 Divisoria, Manila Lun Hong Townmates Association Bldg. PADRE RADA 243-2148, 243-0419, 241-9441 1226 Masangkay St., Sta. Cruz, Manila Gosiupo Bldg. 480-482 Padre Rada corner RIZAL AVENUE - BATANGAS ST. Fax 242-0154 255-2002, 255-2065, 255-2080 Elcano St., Tondo, Manila 2200 Rizal Avenue corner Batangas St., Fax 255-2023 245-0176, 245-0249, 245-5513 Sta. Cruz, Manila Fax 245-5491 493-6172, 731-5962, 731-3671, 731-3667, 741-8734 Fax 731-3671

44 2010 Annual Report

TAFT - PEDRO GIL ZURBARAN ALABANG - MUNTINLUPA NORTHBAY - VIRGO DRIVE 1430 , Manila Rizal Avenue corner Fugoso St., West Service Road, Alabang, Muntinlupa Melandrea III Bldg., Northbay Blvd. 536-1215, 536-1117, 536-1119 Sta. Cruz, Manila 850-1338, 850-1565, 850-6905, 850-1339 near corner Virgo Drive, Navotas, MM Fax 536-1118 734-1544, 734-1563, 735-0636 Fax 842-1848 282-9801, 282-9802, 282-9803, 282-9804 Fax 735-0710 Fax 282-1009 TAFT - VITO CRUZ ALABANG HILLS Bankard Bldg., 2422 Taft Avenue, RBC Corporate Centre, Don Jesus Blvd. PARAÑAQUE 1004 Malate, Manila MARIKINA Barangay Cupang, Muntinlupa 523-1869, 523-1223, 523-1135, 484-4250 772-3693, 772-3694, 772-3695, 842-9006 A. SANTOS - SOUTH EXPRESSWAY Fax 526-0034 MARIKINA - BAYANBAYANAN Fax 772-3693 Units E & F, 8385 Dr. A. Santos Avenue, BDO Bldg., Bayanbayanan Avenue corner Parañaque, MM TAFT AVENUE - J. NAKPIL Molave St., Concepcion, Marikina AYALA ALABANG 829-4178, 829-4180, 829-4181 1747 Taft Avenue corner J. Nakpil St. 997-3824, 997-3832, 997-3834, 934-2715 G/F Condominium C Unioil Center Bldg. Fax 829-4179 Manila Fax 997-3833 Acacia Avenue corner Commerce Avenue, 521-1226, 522-0902 Ayala Alabang, Muntinlupa A. SANTOS - ST. JAMES Fax 521-1675 MARIKINA - CALUMPANG 772-2722, 772-2919, 772-2932, 772-2893, 8406 A. Santos Avenue, Sucat, Florida I Bldg., J.P. Rizal corner M.A. Roxas St., 807-2412 Parañaque City 1700 TAFT AVENUE - PRES. QUIRINO Calumpang, Marikina City Fax 772-2723, 807-2419 820-8210 to 12 , 820-3445 & 46 G/F FFW Bldg. 1943 Taft Avenue, 682-5492, 681-9750, 682-0870 Fax 826-9401 Malate, Manila Fax 646-6212 AYALA ALABANG - RICHVILLE CENTER 523-2654, 523-2657, 526-4068, 526-4071 Richville Center 1314 Commerce Avenue AIRPORT ROAD Fax 523-2640 MARIKINA - CONCEPCION Extension, Madrigal Business Park, Airport Road corner Quirino Avenue, 31 Bayan-Bayanan Avenue, Concepcion, Ayala Alabang, Muntinlupa Baclaran, Parañaque City TAYUMAN Marikina City 809-3322, 809-3323, 809-3330, 809-4191, 851-8501, 854-5285, 854-4806 G/F Delton Bldg. 1808 Rizal Avenue, 933-6395, 941-1888, 941-5851, 942-3399 807-3419 Fax 854-1898 Sta. Cruz, Manila Fax 942-0433 Fax 809-3868 749-5078, 732-9052, 732-9866 BACLARAN - REDEMPTORIST ROAD Fax 749-5078 MARIKINA - GIL FERNANDO AVENUE - ALABANG Redemptorist Road, Baclaran, Gil Fernando Avenue corner Dragon St., G/F Insular Life Corporate Centre, Parañaque, MM TONDO - GAGALANGIN Marikina City Corporate Avenue, Filinvest Corporate City, 852-5169, 833-2844, 832-0045, 854-0685 Juan Luna St. corner Paez St., 647-8081, 647-7825, 645-7880 Alabang, 1781 Muntinlupa City Fax 832-0042 Gagalangin , Tondo Manila Fax 647-7764 771-2157, 771-2158, 771-2209, 771-2173 252-8499, 256-5542, 256-6536 Fax 771-2159 BETTER LIVING Fax 256-4839 MARIKINA - J.P. RIZAL Doña Soledad Avenue corner France St., 314 J. P. Rizal St. Sta. Elena, Marikina City MUNTINLUPA - POBLACION Better Living, Parañaque City TONDO - PRITIL 646-1798, 646-1799, 646-8533 G/F Elizabeth Center Bldg., National Road, 776-1161 to 64 1815 N. Zamora St. 1012 Tondo, Manila Fax 646-1796 Poblacion, Muntinlupa Fax 776-1162 255-1050, 252-5762, 524-5028 861-4366, 861-4367 Fax 254-5248 MARIKINA - LAMUAN Fax 861-4364 BETTER LIVING - BICUTAN J.P. Rizal St. near corner Malaya St., 43 Doña Soledad Avenue, TUTUBAN Brgy. Lamuan, Marikina City SM SUPERCENTER MUNTINLUPA Better Living Subdivision, DS 17-18 Tutuban Prime Block, 948-1270, 948-1276, 948-1924 UG/F SM Supercenter Muntinlupa, Don Bosco, Parañaque, Metro Manila , C.M. Recto, Manila Fax 948-1937 Barangay Tunasan, National Road, 824-6767, 824-6769, 824-6770, 824-6771 251-1601, 251-1602, 254-3438, 254-3404, Muntinlupa City Fax 823-6338 251-1676 MARIKINA - NANGKA 659-1624, 659-1625, 659-1627, 659-1628 Fax 254-0768 Unit 1A G/F Bldg. 2 Citi Centre Nangka, Fax 659-1626 BF HOMES - AGUIRRE J.P. Rizal Avenue corner Puerto Rico Avenue, RGM Bldg., 326 Aguirre Avenue, TUTUBAN CENTERMALL Nangka, Marikina City STARMALL - ALABANG BF Homes, Parañaque M1-B055, G/F Centermall Bldg., 941-0040, 941-0346, 941-3547 Unit G33, Manuela Metropolis, 788-0674, 825-0044, 820-2730 Tutuban Center, C. M. Recto Avenue, Manila Fax 948-8639 South Super Highway, Alabang Interchange, Fax 825-0045 254-4503, 254-4586, 254-4354, 252-4858 Muntinlupa City Fax 252-4236 MARIKINA - 807-2290, 807-2291, 807-2286, 807-2288 BF HOMES - PARAÑAQUE Corner E. Dela Paz St. Fax 807-2289 65 President’s Avenue Plaza near corner U.N. AVENUE Amang Rodriguez Avenue, Sto Nino, Aguirre Avenue, BF Homes, Parañaque City Puso ng Maynila Bldg., UN Avenue corner Marikina City TIERRA NUEVA - ALABANG 809-9385, 809-8778, 809-8083 A. Mabini St. Ermita, Manila 646-9649, 646-2414, 646-2041, 647-9933 Sycamore Arcade, Alabang-Zapote Road, Fax 809-8861 524-1734, 524-1783, 524-0306, 536-9850, Fax 646-9650 National Road, 1702 Alabang, 525-2436 Muntinlupa City BICUTAN - SOUTH SUPER HIGHWAY Fax 524-1755 SM CITY MARIKINA 807-4759, 842-1406, 842-3255 Columbian Motors Compound, G/F SM City Marikina, Fax 807-4755 Km 16 West Service Road, U.N. AVENUE - J. BOCOBO Barangay Calumpang, Marikina City South Super Highway, EBC Bldg., UN Avenue corner J. Bocobo St., 477-1771, 477-1779, 477-1775 Bicutan 1700 Parañaque, MM Ermita, Manila Fax 477-1776 NAVOTAS 823-3964, 823-6965, 823-5486 524-9661, 524-9662, 524-9663, 524-9664, Fax 823-3932 524-9665, 524-6530, 525-2069, 525-2003, NAVOTAS 521-2721 MUNTINLUPA Seafront Commercial Bldg., DR. A. SANTOS AVENUE Fax 525-2033 North Bay Blvd., Navotas LT Bldg. Dr. A. Santos Avenue, ALABANG - MADRIGAL AVENUE 282-7368, 282-7369, 283-8352, 283-2610 Parañaque City U.N. AVENUE - PHILAMLIFE Units 5 & 6, Molito Commercial Complex, Fax 282-6535 825-1381, 820-6792, 820-6439, 820-1855 Unit G-2b (Sec. B) Times Plaza Bldg., Madrigal Business Park, Madrigal Avenue, Fax 825-1364 Taft Avenue corner , Alabang, Muntinlupa City Ermita, Manila 403-3899, 403-3914, 403-6432 404-1403, 404-1430, 404-1436 Fax 403-3910 Fax 404-1447

45 We find ways

Branch Directory

PARAÑAQUE - LA HUERTA BUENDIA - TAFT SM MALL OF ASIA B PASIG - A. MABINI 0422 Quirino Avenue corner J. Ferrer St., 317 Sen. Gil Puyat Avenue, Pasay City G/F Entertainment Mall, SM Mall of Asia, G/F CFM Bldg. No. 97 A. Mabini St., La Huerta, Parañaque City 1700 551-0243, 832-7200, 524-6642 J.W. Diokno Blvd., Mall of Asia Complex, Pasig City 829-7906, 826-1087, 826-2368 Fax 831-3342 Pasay City 641-2298, 642-3755, 641-4168 Fax 829-6005 556-0017, 556-0018, 556-0019, 556-0021, Fax 642-6834 EDSA - PASAY 900-2035 PARAÑAQUE - MOONWALK 507 EDSA corner B. Garcia St., Fax 556-0020 PASIG - CARUNCHO AVENUE G/F Seal I Bldg., Armstrong Avenue corner 1300 Pasay City SG Bldg., Caruncho Avenue corner Yosemite St., Moonwalk Subdivision, 831-7741, 833-7016, 831-0035, 833-6832 TAFT - LIBERTAD Market Avenue, Pasig City Parañaque City Fax 831-4493 MCF Bldg. 2250 Taft Avenue corner 641-1294, 641-5275, 643-5745 776-0692, 776-0691, 776-0694, 776-0695 College Road, Pasay City Fax 643-5745 Fax 776-0690 EDSA - TAFT 831-6630, 831-5808, 551-9238 EDSA corner Zamora St. Pasay City Fax 833-3069 PASIG - KAPASIGAN PARAÑAQUE - N. AQUINO AVENUE 833-1505, 833-0996 Mariposa Arcade, A. Mabini corner Dr. Pilapil St. Pasig City JJM Bldg., 2 N. Aquino Avenue, Sto. Niño, Fax 833-1448 641-0557, 640-1633, 640-1643 Parañaque, MM PASIG Fax 640-0564 854-4789, 854-4791, 854-4787 LEVERIZA - LIBERTAD Fax 854-4792 ADB AVENUE ORTIGAS 212 Libertad St., Pasay City, Metro Manila PASIG - KAPITOLYO 833-1143, 831-8190, 834-8783, 831-5889 Robinson’s PCIBank Tower, ADB Avenue, G/F A. B. Sandoval Bldg. Shaw Blvd. corner PARAÑAQUE - PASCOR DRIVE Fax 833-1149 Ortigas Center, 1600 Pasig City Oranbo Drive, Pasig City Sky Freight Bldg., 634-2116, 634-2125, 634-2131, 634-2124 638-2130, 638-2132, 634-1329, 638-2129 near corner Pascor Drive, St. Niño, NAIA Fax 634-2119 637-2256 Parañaque City Ninoy Aquino International Airport, Fax 637-2256 852-3102, 853-1249, 853-0292 Arrival Lobby, Pasay City CAPITOL - PASIG Fax 854-3410 879-6201, 879-6202, 8771-4057 125 Shaw Blvd. Corner Danny Floro St., PASIG - MANGGAHAN Fax 879-5196 Pasig City Amang Rodriguez Avenue, Manggahan, PRESIDENT’S AVENUE - BF PARAÑAQUE 636-3820, 636-3822, 636-3824, 634-1328 Pasig City President’s Avenue corner J. Elizalde St., NEWPORT CITY Fax 634-1330 646-3177, 681-1844 BF Homes Parañaque, MM G/F Newport Office Bldg. 1, Newport City, Fax 681-1842 809-1677, 807-7068, 842-7395 Pasay City EMERALD AVENUE G/F Unit 101 Taipan Place, Fax 850-8571, 850-8572 556-0623, 556-0043, 804-0116 PASIG - AVENUE Don Francisco Ortigas Jr. Road, Pasig Fax 556-0040 G/F , 635-4117, 914-3544, 637-7329, 634-7957 SM CITY BICUTAN corner Fax 634-2014 LG/F SM City Bicutan, OneE-COM CENTER , Pasig City Doña Soledad Avenue corner 470-9780, 470-8019, 470-9834 G/F OneE-com Center, Palm Coast Avenue, JULIA VARGAS West Service Road, Parañaque City Fax 470-8021 Mall of Asia Complex, Pasay City IBP Bldg. Julia Vargas Avenue, Ortigas, 777-9262, 777-9263, 777-9264, 556-4267, 556-4268, 556-4269 Pasig City PASIG - PIONEER 823-7167, 823-7163, 821-3254 Fax 556-4270 638-7767, 637-6610, 637-6606, 687-6157, Pioneer Centre, Pioneer St. corner Fax 777-9261 638-7771, 687-5835, 687-6339 PASAY Fax 638-7770 United & Brixton St., Kapitolyo, Pasig City SM CITY SUCAT A Libertad corner Colayco St. Pasay City 638-8574, 638-8575, 638-8577 G/F SM Supercenter Sucat, Parañaque City 551-6877, 556-6068, 551-2513, 551-6876, MERALCO - ORTIGAS Fax 738-5981 825-6862, 825-6224, 826-6787 831-0593, 551-4475, 831-0502 Meralco Compound, Ortigas Avenue, Fax 825-6728 Fax 831-0502, 551-4475 1604 Pasig City PASIG - VALLE VERDE 162-26009, 162-26002, 162-26096, G/F Reliance Center, SM CITY SUCAT B PASAY - 631-5853, 631-5655 No. 99 E. Rodriquez Jr. Ave., G/F Annex Bldg B, SM City Sucat, Caltex Compound (PDSC / Park ‘N Fly Bldg.) Fax 631-6360 Bo. Ugong, Pasig City Dr. A. Santos Avenue, Parañaque City NAIA corner Domestic Road, 584-5178, 584-5174, 584-5176 820-6737, 825-3739, 825-3467, 820-7104 1300 Pasay City ORTIGAS - EXCHANGE ROAD Fax 584-5182 Fax 825-2967 851-2230, 851-5360, 851-5361, 851-2242 G/F, PSE Center, Exchange Road, Fax 851-2210 Ortigas Commercial Complex, Pasig City PASIG BLVD. EXT. - ROSARIO SUCAT 636-3729, 635-2902, 635-2903, Along Pasig Blvd. Extension, Rosario, Pasig City Parañaque Cable TV Bldg., RESORTS WORLD MANILA 635-2904, 635-2905, 636-6153 642-8406 to 09 #8210 Dr. A. Santos Avenue, Parañaque Newport Blvd., Newport City, Pasay City Fax 636-3728, 636-3729 Fax 641-5828 825-6861, 829-1630, 820-1626, 820-1620, 836-4310, 836-4313, 836-4315 820-1621, 820-1615 Fax 836-9937 ORTIGAS - OCTAGON CENTRE ROBINSON’S - METRO EAST Fax 820-1617 G/F Octagon Centre, , Ortigas Center, Pasig City Level 1 (L1 160 & 162), SM CORPORATE OFFICES Robinsons Metro East, Marcos Highway, SUCAT - VILLA MENDOZA Bldg 104 J.W. Diokno Blvd., 706-5576, 706-5575 Fax 706-5582 Pasig City Dr. A. Santos Avenue corner Mall of Asia Complex, Pasay City 682-9112 to 17 Villa Mendoza Subd., Sucat Rd., Parañaque 833-6710, 833-7378, 833-8702 Fax 682-9114 820-0019, 826-5789, 825-5871 Fax 833-6469 ORTIGAS AVENUE EXT. - PASIG Fax 826-6487 Along Ortigas Avenue Extension, Rosario, Pasig City ROCKWELL - ORTIGAS SM MALL OF ASIA A 643-6799, 916-7455, 640-5270, Level 1, Tower 2, PASAY G/F Main Mall, SM Mall of Asia, 640-5271, 640-5272 The Rockwell Business Center, J.W. Diokno Blvd., Mall of Asia Complex, Fax 916-7454 Ortigas Avenue, Pasig City Pasay City 470-3243, 470-4802, 470-9661, 470-3051 BACLARAN 556-0013 to 15 ORTIGAS AVENUE EXT. - ST. JOSEPH Fax 470-3081 2987 Taft Avenue Extension, Pasay City Fax 556-0014 15 A. Ortigas Avenue Extension corner 854-5401, 832-5030, 853-5136 Monaco St., Pasig City Fax 831-2231 656-1080, 656-1082, 655-0368 Fax 655-0368

46 2010 Annual Report

SAVEMORE - AMANG RODRIGUEZ ACROPOLIS - E. RODRIGUEZ JR. COMMONWEALTH - DON ANTONIO EASTWOOD CITY - E. RODRIGUEZ JR. AVE. G/F Savemore Amang Rodriquez, G/F ACO Bldg., 191 E. Rodriguez Jr. Avenue, Don Antonio Sports Center, Magnitude Commercial Arcade, GBU Bldg., Amang Rodriquez Ave. cor. Bagumbayan, Quezon City Don Antonio (former Holy Spirit Drive), E. Rodriguez Jr. Avenue, Bagumbayan, Evangelista St., Brgy. Santolan, Pasig City 637-5362, 440-4370, 440-4371, 440-4372 Don Antonio Heights Subdivision, Quezon City 646-5762, 646-4195, 645-8491 Fax 440-4368 Quezon City 911-1929, 421-6913, 421-6914 Fax 647-5965 931-1359, 931-5212 Fax 421-6915 ANONAS - KAMIAS Fax 931-3215 SHAW - PASIG BLVD. Bldg., Anonas St. corner EASTWOOD CITY - IBM PLAZA 145 Pasig Blvd., Pasig City K-6 St., East Kamias, 1102 Quezon City CONGRESSIONAL - G/F IBM Plaza Eastwood City, 661-3601, 661-3602, 661-3603 921-2408, 922-6603, 925-5315 Extension corner E. Rodriguez Jr. Avenue, Bagumbayan, Fax 661-3604 Fax 922-0460 Mindanao Avenue, Quezon City Quezon City 925-2626, 925-2629, 925-2630, 925-2631, 911-3679, 911-9853, 421-0530, 395-1017 SHAW BLVD. - ESCRIVA DRIVE AURORA BLVD. - ANONAS 455-2394, 455-1498 Fax 421-0528 Amber Square, Shaw Blvd. near corner Manahan Bldg. Aurora Blvd. corner Fax 925-2627 Escriva Drive, Pasig City Anonas Avenue, Quezon City EASTWOOD CITY - TECHNOPLAZA G/F Techno Plaza-One, 470-7189, 470-7198, 470-7204 421-3814, 421-3816 CONGRESSIONAL AVENUE Eastwood City, Bagumbayan, Quezon City Fax 470-7186 Fax 421-3813 The Excelland System I 667-3160, 440-1797 Congressional Avenue, Quezon City Fax 667-3054 SILVER CITY - PASIG AURORA BLVD. - BROADWAY CENTRUM 920-5613, 454-9560 L1-012, L1-013 & L1-014, Level 1, Auto Mall, Broadway Centrum Condominium, Fax 920-5614 EDSA - BALINTAWAK Frontera Verde Drive corner Aurora Blvd. corner Doña Juana Rodriguez St., Unit 17-19 ANPN Plaza KM. 12 EDSA, Julia Vargas St., Ortigas, Pasig City 1112 Valencia, Quezon City CORINTHIAN GARDENS Balintawak, Quezon City 638-5399, 637-2634, 497-2523, 633-2065 725-7250, 727-4522, 726-9372, 726-6238 BDO Leasing Center, Ortigas Avenue, 330-1712, 330-1657, 455-5808, 455-5807, Fax 633-7176 Fax 724-4821 Quezon City 330-9622 636-1758, 631-8683 SIXTO ANTONIO - PASIG Fax 455-5806 AURORA BLVD. - HEMADY Fax 632-9005 Sixto Antonio Avenue corner R. Bedaña St., 708 Aurora Blvd. corner Hemady St., Pasig City New Manila, 1110 Quezon City EDSA - NEW FARMERS PLAZA CUBAO - GENERAL ARANETA Unit 1-B, G/F New Farmers Plaza, 640-3411, 640-1197, 641-0620 723-5372, 724-6185, 412-0054, 724-8909 G/F Philamlife Cubao Bldg., General Roxas Ave., Araneta Center, Cubao, Fax 641-0619 Fax 721-8665 Aurora Blvd. corner Quezon City Gen. Araneta Malvar Avenue, 995-0206, 995-0207 SM SUPERCENTER PASIG AURORA BLVD. - NOTRE DAME Cubao, Quezon City Fax 995-0206 G/F SM Supercenter Pasig, Frontera Verde, 0137 Aurora Blvd. corner Notre Dame St., 913-4474, 913-4438, 912-5381 Ortigas Center, Pasig City Cubao, 1110 Quezon City Fax 912-5384 637-7326, 637-7952, 637-8536, 637-9239 911-9108, 913-5024, 913-5025, 913-5026, EDSA - NEW YORK Fax 637-7326 913-5020, 912-0464 DEL MONTE - SIENNA EDSA corner New York St., Fax 911-9833 409 Del Monte Avenue, Quezon City 1105 Cubao 1111 Quezon City STRATA 100 - ORTIGAS 367-1642, 414-7373, 366-9152, 367-1640, 437-3646, 912-3670 G/F Strata 100 Bldg., AURORA BLVD. - YALE 414-9000, 414-9001 Fax 437-3645 Don Francisco Ortigas Jr., Pasig City Aurora Blvd. corner Yale St., Cubao, Fax 367-1641 631-2848, 638-3669,631-2851, 914-3846, Quezon City EDSA - CUBAO 638-3670 912-2720, 912-2715, 911-9261, 438-6505, DEL MONTE AVENUE 596 Simeon Medalla Bldg. corner Fax 632-7084 995-7046 63 Del Monte Avenue, Barangay Manresa, Gen. McArthur Avenue, EDSA, Quezon City Fax 911-8892 Quezon City 911-1235, 912-1750, 911-1249 367-1678, 365-1653, 366-1689, 365-1651 Fax 911-1239 PATEROS BANAWE - AGNO Fax 413-4882 202-204 Banawe corner Agno St., FAIRVIEW PATEROS - ELISCO ROAD 1103 Quezon City DILIMAN - CAPITOL HILLS Don Mariano Marcos Avenue, Fairview, East Mansion Homes, Phase I, Elisco Road, 712-4774, 743-3432, 712-4760, 413-6471, 16 Capitol Hills Drive, Old Balara, Diliman, Quezon City Sto. Rosario East, Pateros 413-6470 Quezon City 938-2712, 938-2503, 937-8436 641-4729, 641-3542, 642-9587, 385-0942 Fax 712-4742 932-4817, 932-3550, 932-8493, 932-1615 Fax 939-9898 Fax 641-8927 Fax 932-8493 BANAWE - AMORANTO G. ARANETA - BRIXTON HILL DILIMAN - MATALINO PATEROS - POBLACION 650 N. S. Amoranto Avenue corner G/F ILO Bldg. 195 G. Araneta Avenue, G/F J & L Bldg., Matalino St., Diliman, G/F Milaor Bldg., Almeda St., Banawe St., Quezon City Quezon City Quezon City Poblacion, Pateros 743-4952, 415-9864, 415-9865, 712-4702, 714-3546, 714-3988, 715-3005, 714-7688 921-9956, 434-2763,434-2764, 434-2765 643-9456, 643-9458, 643-9463, 643-9465 741-0114, 741-0115, 741-3745 Fax 714-3547 Fax 434-2768 Fax 643-9467 Fax 731-9149 GLORI - DEL MONTE E. RODRIGUEZ 627 Del Monte Avenue, BANAWE - KITANLAD 1162 E. Rodriguez Sr. Avenue, New Manila, QUEZON CITY San Francisco Del Monte, Quezon City 23-25 Banawe corner Kitanlad, Quezon City Quezon City 367-7159, 365-6801, 365-6802, 367-7169 740-3285, 732-2065 724-4203, 724-3977, 722-1009, 725-2408 A. BONIFACIO AVE. - BALINTAWAK Fax 732-9620 Fax 724-3983 Fax 365-6804 960 A. Bonifacio Avenue, Balintawak, Quezon City BANAWE - N. ROXAS E. RODRIGUEZ - ISIDORA HILLS 442-2232, 442-2234, 442-2233 71 Nicanor Roxas St. corner Banawe St., G/F AEK Bldg., 40 E. Rodriguez Sr. Avenue, BDO Bldg., Pook Ligaya Riding Grd., Fax 442-2231 Quezon City Don Manuel, Quezon City Interneighborhood Rd., Isidora Hills 743-7555, 743-7545, 743-7552, 743-7572 742-7028, 741-0281, 742-6880, 741-2179 Subdivision, Brgy. Holy Spirit, Quezon City ABS CBN - MOTHER IGNACIA ST. Fax 743-3459 Fax 742-7028 951-7744, 951-7742, 951-7741, 951-7743 Stall No. 25 South Wing, G/F ELJCC Bldg. Fax 430-2101 Sgt. E.A. Esguerra Avenue corner COMMONWEALTH Mother Ignacia St., Quezon City G/F Teresita Bldg. Holy Spirit Drive, 925-6731 to 35 Don Antonio Heights, Quezon City Fax 925-6736 932-4717, 932-8764, 932-3398 Fax 932-9286

47 We find ways

Branch Directory

KAMIAS ROAD NOVALICHES - LAGRO SCOUT ALBANO - SM HYPERMARKET CUBAO Trinidad Bldg., Kamias Road corner K-J St., Lot 2-B-6 (LRC) PSD-341349, 1488 Quezon Avenue, 1103 South Triangle, EDSA corner Main St. Quezon City , Lagro, Quezon City Cubao, Quezon City 426-4414, 426-4415, 426-4416 Novaliches, Quezon City 373-1611, 410-8093, 372-3309, 410-8092, 421-1689, 421-1690, 421-1691, 912-6173 Fax 426-4417 935-4892, 935-4893, 935-4890, 935-4891, 372-3321,416-6264, 416-6496 Fax 421-1691 935-4895 Fax 410-8092 - XAVIERVILLE Fax 935-4890 ST. IGNATIUS - KATIPUNAN G/F Xavierville Square Condominium, SCOUT LIMBAGA - T. MORATO 134 , St. Ignatius Village, 38 Xavierville Avenue, Loyola Heights NOVALICHES - ZABARTE 102 & 103, The Forum, Quezon City Quezon City G/F C.I. Plaza, 1151 Quirino Highway corner 912-8133, 437-1212, 437-1213, 912-8177 434-1019, 929-8069, 929-8077 corner Zabarte Road, Brgy. Kaligayahan, Sct. Limbaga St., 1103 Quezon City Fax 437-1211 Fax 929-8028 Novaliches, Quezon City 929-4596, 922-6623, 928-1982 461-6091, 461-6142, 461-6144 Fax 928-9671 STO. DOMINGO LOYOLA HEIGHTS - BERKELEY RESIDENCES Fax 461-6092 6 Sto. Domingo Avenue, Quezon City G/F Berkeley Residences, Katipunan Avenue SM CITY FAIRVIEW A 732-2934, 732-6219, 742-6448, 732-2917, corner Escaler St., Loyola Heights, PITIMINI - ROOSEVELT Quirino Highway corner Regalado St. 732-6219, 712-1540 Quezon City EBC Bldg. Roosevelt Avenue, corner Fairview, Quezon City Fax 712-5294 426-0201, 426-6546, 434-8546, Pitimini St., SFDM, Quezon City 935-0042, 939-5015, 935-0041, 937-8925, 426-6812, 426-0240 412-1745, 412-6137, 412-6738, 372-5988 938-4271 STO. NIÑO ST. - ROOSEVELT Fax 426-0237 Fax 372-5987, 373-7171 Fax 938-4691 284 Roosevelt Avenue, San Francisco Del Monte, MAYON PROJECT 8 - SHORTHORN SM CITY FAIRVIEW B 1105 San Antonio, Quezon City G/F Alpha Bldg. 174 Mayon St. La Loma, BDO Bldg., No. 41 Shorthorn St., SM City Fairview, Quirino Highway corner 411-1475, 410-8079, 410-8080, 372-5802, Quezon City Barangay Toro, Project 8, Quezon City Regalado Avenue, Fairview, Quezon City 373-5055, 374-2654 414-3606, 414-3607, 740-9164, 742-7679, 926-0840, 926-0819, 926-0820, 926-0839, 935-0688, 417-9022 Fax 372-2310 742-7675 453-1248 Fax 417-1056 Fax 732-9673 Fax 926-0827 TANDANG SORA SM CITY FAIRVIEW C corner MAYON - AMORANTO Q. I. - E. RODRIGUEZ, SR. LGF, Annex 2, SM City Fairview, Marcel Road, Quezon City 489 Units A & B Mayon St., G/F Ablaza Bldg., 117 E. Rodriguez Avenue, Quirino Highway corner Regalado Avenue, 938-7786, 930-6533 Sta. Mesa Heights, Quezon City Quezon City Fairview, Quezon City Fax 456-3724 742-6013, 742-5201, 749-1629 740-1091, 740-1906, 742-1340, 411-1091 355-2401, 355-2403, 355-2404, 355-2405 Fax 413-3697 Fax 732-8290 Fax 355-2402 TANDANG SORA - TAGUMPAY M & J Bldg., 578 Tandang Sora Avenue MAYON - N. ROXAS QUEZON AVENUE - ARANETA SM CITY NORTH EDSA A corner Tagumpay St., Barangay New Era, No. 241 Mayon Avenue corner 103 Aries Bldg. Quezon Avenue, G/F The Block SM City North EDSA corner Quezon City Nicanor Roxas St., 1161 Quezon City Quezon City North Avenue, Quezon City 951-4227, 456-7473, 456-7472, 932-7877 740-2118, 743-8936, 743-8939 712-3411, 712-3522, 731-2354, 410-2884 928-4329, 928-3243, 929-2173, 927-9813, Fax 456-7473 Fax 740-2058 Fax 712-3522 426-4605 Fax 927-8774 TEACHER’S VILLAGE MEZZA RESIDENCES QUEZON AVENUE - CORDILLERA G/F Luisa 2 Bldg., 107 Maginhawa St., G/F Mezza Residences, Aurora Blvd. corner No. 37 Quezon Avenue corner Cordillera St., SM CITY NORTH EDSA B Teacher’s Village, Quezon City Araneta Ave., Guirayan St., Quezon City SM City North EDSA Annex I Bldg., 433-6780, 433-8720, 433-8716, 433-6805 Brgy. Doña Imelda, Quezon City 731-7284 to 86, 412-3785, 412-3784, North Avenue corner EDSA, Quezon City Fax 433-8716 516-0755, 516-0756, 516-0757 413-2317, 413-2316 426-3909, 456-6580, 925-5604 Fax 516-0753 Fax 731-7286 Fax 920-2972 TIMOG 26 Cedar Executive Bldg. MUÑOZ - ROOSEVELT QUEZON AVENUE - HEROES HILLS SM CITY NORTH EDSA C corner Scout Tobias St. Quezon City 328 Mesa Holdings Bldg., 1052 Quezon Avenue, 1103 Quezon City SM Center Complex North EDSA, 413-4112, 414-8347, 372-6647, 376-3450 San Francisco Del Monte, Quezon City 372-4919, 413-3779, 372-4916, 372-4936, 1105 Quezon City Fax 372-6648 372-6689, 411-0475, 376-4682, 411-0405 372-9528 456-6578, 456-6579, 927-8645, 926-2090 Fax 373-9690 Fax 372-4917 Fax 928-6932 TIMOG - EDSA No. 134 Timog Avenue, 1103 Quezon City NEW MANILA - E. RODRIGUEZ SR. ROBINSON’S GALLERIA - ORTIGAS SM CITY NOVALICHES 928-4268, 928-4269, 922-9031 Unit 1G & 2E, 284 Doña Anita Bldg., Robinson’s Galleria, Ortigas Avenue, G/F SM City Novaliches, Quirino Highway, Fax 928-4263 E. Rodriguez Sr. Avenue, Quezon City 1602 Quezon City Novaliches, Quezon City 410-6651, 410-6653, 725-8107 632-9880, 632-9881, 635-2112, 910-5484, 442-5300, 442-5302, 442-5303, 442-4520 TIMOG - ROTONDA Fax 410-6654 632-9822, 632-9879, 632-9821, 635-7726 Fax 442-5301 G/F Imperial Palace Suites Tomas Morato Fax 632-9866 corner Timog Avenue, South Triangle, NOVALICHES SM CITY STA. MESA Quezon City 1016 Quirino Highway Town Proper, RUSTAN’S CUBAO SM City Sta. Mesa Annex Bldg. 928-3168, 920-7875 Barangay Monica Novaliches, Quezon City RC-01A Times Square Avenue near corner Aurora Blvd. Quezon City Fax 928-3109 939-8468, 939-8590, 938-0225 Gen. Roxas St. Araneta Center, 715-0547, 714-4678, 715-0537, 713-4915, Fax 939-8588 1109 Quezon City 715-7476, 715-0559, 714-4676, 716-0619, TIMOG - VICTORIA TOWERS 438-5564, 438-5565, 438-5566 713-4916, 716-0343, 716-0344 Unit F-2 & F-3 Victoria Towers, NOVALICHES - FOREST HILLS Fax 438-5564 Fax 715-0543 Timog Avenue corner Panay Avenue, Lot 2 D 1 Quirino Avenue, Novaliches, Quezon City Quezon City SAVEMORE - NOVALICHES SM CUBAO 332-1606, 332-1346, 332-1568, 332-1603 937-1313, 937-0989, 935-4636, 936-1345, Savemore Novaliches, General Luis St., G/F SM Cubao, Cubao, Quezon City Fax 410-1940 417-3432 Novaliches, Quezon City 911-0558, 911-3538, 911-8410, 912-5632, Fax 937-1152 938-2432, 938-8082, 938-8084 912-5631 Fax 938-3170 Fax 912-6687

48 2010 Annual Report

TOMAS MORATO - KAMUNING GREENHILLS - ANNAPOLIS BONIFACIO GLOBAL CITY - MALANDAY - MACARTHUR HIGHWAY Corner Kamuning & Tomas Morato, Unit 101 G/F Vasquez-Madrigal Plaza, MARKET MARKET Km. 17 MacArthur Highway, Malanday, Quezon City Annapolis, Greenhills, San Juan Space No. 101 Market Market, 1405 Valenzuela, Metro Manila 925-7847, 927-8907, 416-1810 584-1191, 725-3713, 725-6515 Bonifacio Global City, Taguig 443-7539, 443-7540, 443-7541, 277-0111 Fax 416-1809 Fax 725-0508 886-6476, 886-6477, 886-6479, 886-6480 Fax 443-7540 Fax 886-6475 VISAYAS AVENUE GREENHILLS - ROOSEVELT MARULAS - MACARTHUR HIGHWAY M & L Bldg. Visayas Avenue corner EBC Bldg., Ortigas Avenue corner BONIFACIO GLOBAL CITY - Lot 16 & 17 MacArthur Highway, Road 1, Barangay Vasra, Quezon City Roosevelt Avenue, Greenhills, San Juan, MM MC HOME DEPOT Valenzuela, Metro Manila 426-7701, 453-6172, 927-6151 721-3641, 722-7238, 726-7625, 722-1388, G/F MC Home Depot, 32nd St. corner 291-6089, 293-2708, 291-6058, Fax 926-9302 726-7867, 722-7243, 722-7237, 722-7284, Bonifacio Ave., Bonifacio Global City, 291-6049, 291-6046 721-8333, 726-7653 Taguig Fax 293-2711 VISAYAS AVENUE - PROJECT 6 Fax 726-7835, 721-2574 818-1972, 819-0772, 819-1982, 57 Visayas Avenue (near Sanville Subdivision), 815-2463, 816-1028 PASO DE BLAS - NORTH EXPRESSWAY Quezon City GREENHILLS - WEST Fax 818-7905 97 Paso de Blas 1400 Valenzuela, MM 929-3648, 927-7373, 924-2238, 455-7220 101 Limketkai Bldg. Ortigas Avenue, 294-0698, 294-0699, 432-1209 Fax 927-8710 San Juan, MM BONIFACIO GLOBAL CITY - Fax 294-0697 721-4414, 726-3660, 726-3732 ONE MCKINLEY PLACE WALTERMART - NORTH EDSA Fax 721-4362 G/F One Mckinley Place, 4th Ave. corner SM CENTER VALENZUELA G/F Center - North EDSA, 25th St., Bonifacio Global City, Taguig Unit 126 G/F SM Center Valenzuela, Dangay St., Veterans Village, Quezon City GREENHILLS - WILSON 659-6905, 659-7024, 659-7080 MacArthur Highway, Karuhatan, 332-1116, 332-1117, 332-1118 227 Wilson St., corner Don Miguel St., Fax 403-9085 Valenzuela City Fax 332-1115 San Juan, MM 292-4354, 292-9704, 293-0427, 293-3858 727-3764, 396-1515, 727-3943 BONIFACIO GLOBAL CITY - Fax 292-2847 WEST AVENUE Fax 724-5856 68 Carbal Bldg. West Avenue, Quezon City G/F Picadilly Star Corporate Center, VALENZUELA 371-4689, 412-1063, 371-8786 GREENHILLS SHOPPING CENTER 4th Ave. cor. 27th St., Km. 15 MacArthur Highway, Dalandanan, Fax 374-2296 G/F Jewellery Center, Greenhills Bonifacio Global City, Taguig Valenzuela Shopping Center, Ortigas Ave., San Juan 403-3785, 403-3786, 403-3787 292-1959, 292-3974, 292-3899, 292-3960 WEST AVENUE - BALER 722-3316, 722-3312, 721-0515, 721-5556, Fax 403-3784 Fax 432-0093 G/F Jafer Bldg. 118 West Avenue, 726-8213, 722-1380 Quezon City Fax 724-2065 BONIFACIO GLOBAL CITY - ST. LUKE’S VALENZUELA - GEN. T. DE LEON 928-7286, 928-3626, 928-0538, 928-7291 St. Luke’s Medical Center, Rizal Drive corner Gen. T. De Leon St., Valenzuela City Fax 928-3621 ORTIGAS - SAN JUAN 5th Ave. & 32nd St., Bonifacio Global City, 292-3365, 292-3748, 292-3512, 292-3367 Units 102-103 Sunrise Condominium, Taguig Fax 292-3738 WEST AVENUE - DEL MONTE Ortigas Avenue, 1500 San Juan, MM 403-3840, 403-3843, 403-3852 No. 40 West Avenue, 1104 West Triangle, 721-1909, 721-4787, 726-1308, 721-5024 Fax 403-3848 Quezon City Fax 724-9405 412-8049, 371-4672, 371-4673, 371-4669 BONIFACIO GLOBAL CITY - Fax 371-4663 ORTIGAS AVENUE UNIVERSITY PARKWAY 209 Ortigas Avenue, Greenhills, San Juan, MM G/F Avecshares Center, WEST AVENUE - EAST MAYA 724-7114, 724-7091, 724-9156, 724-8561, 1132 University Parkway, Bonifacio North 160 West Avenue corner East Maya Drive, 726-7364, 724-7189, 724-7169 Triangle, Bonifacio Global City, Taguig Quezon City Fax 724-7075 403-8158, 403-8159, 403-8161 411-5426, 410-7611 Fax 403-8160 Fax 426-2626 SAN JUAN 88 N. Domingo St. San Juan, MM C5 - TAGUIG WEST TRADE CENTER - WEST AVENUE 725-5019, 724-8036, 744-1751 G/F Ridgewood Square, C-5 Avenue, Unit #1, G/F West Trade Center, Fax 724-4384 Ususan, Taguig City West Avenue, Quezon City 882-5630, 882-5633 925-3447, 415-8947, 415-8948 V-MALL Fax 882-5634 Fax 415-8949 G/F New V-Mall, Greenhills Shopping Center, San Juan, MM - BAYANI ROAD 725-9085, 726-6752, 726-6892 Bayani Road corner M. Roxas St., SAN JUAN Fax 726-6207 Fort Bonifacio, Taguig 843-3094, 843-8695, 843-8466 BLUMENTRITT - SAN JUAN Fax 843-0742 Lot 11-B, Block 127 Blumentritt corner TAGUIG Sto. Toribio St. San Juan, Metro Manila FORT BONIFACIO - MCKINLEY HILL 723-7360, 744-1277, 744-1278, 744-3464 BONIFACIO GLOBAL CITY - G/F Three World Square, McKinley Hill, Fax 744-1277 Unit 1-F & 1-E G/F, Crescent Park Residences, Fort Bonifacio, Taguig 2nd Avenue corner Burgos Circle, 403-2712, 403-2734, 403-2736 CONNECTICUT Bonifacio Global City, Taguig City Fax 403-2735 53 Connecticut St., Fox Square Bldg., 519-5095, 519-7299, 519-0327 National East Greenhills, San Juan Fax 519-0450 VALENZUELA 722-6210, 722-9888, 725-3163, 721-0224 Fax 727-7415 BONIFACIO GLOBAL CITY - FORT LEGENDS G/F Fort Legends Tower corner 31st Street & KARUHATAN - MACARTHUR HIGHWAY Km. 13 MacArthur Highway, GREENHILLS 3rd Avenue, Bonifacio Global City, Taguig 1441 Karuhatan, Valenzuela, Metro Manila Greenhills Shopping Complex, Ortigas Avenue, 856-0637, 856- 0630, 856-0598 291-4785, 291-1828, 292-1711, 291-4784 San Juan, MM Fax 856-0609 Fax 291-4783 721-2730, 721-2750, 721-3451, 722-6816 Fax 721-4211, 721-2761

49 We find ways

Branch Directory LUZON 200 Branches 457 ATMs

ILOCOS NORTE LOCATION BRANCHES ATM Abra 1 1 Albay 5 7 ABRA Bataan 1 2 ILOCOS SUR Batangas 17 38 ISABELA

Benguet 6 17 LA UNION Bulacan 21 39 BENGUET NUEVA VIZCAYA Cagayan 2 4 Camarines Norte 1 1 PANGASINAN Camarines Sur 7 18 TARLAC Catanduanes 1 1 ZAMBALES Cavite 23 85 PAMPANGA BULACAN Ilocos Norte 4 6 BATAAN RIZAL Ilocos Sur 3 4 QUEZON CATANDUANES Isabela 5 7 CAVITE LAGUNA CAMARINES NORTE La Union 3 5 Laguna 21 54 BATANGAS CAMARINES SUR Nueva Ecija 11 15 Nueva Vizcaya 1 2 ALBAY Oriental Mindoro 1 1 ORIENTAL MINDORO SORSOGON Palawan 1 3 Pampanga 18 51 Pangasinan 12 19 Quezon 6 19 Rizal 20 34 Sorsogon 1 1 0 Tarlac 6 17 Zambales 2 6

PALAWAN

*As of March 2011

50 2010 Annual Report

BATANGAS - KUMINTANG LIPA - ROTONDA LUZON Along National Highway, CM Recto Avenue, Lipa City BULACAN Barangay Kumintang, Ilaya, Batangas City, (043) 757-0820, 756-2869, 756-2808, ABRA Batangas (02) 702-6000 loc. 2918 BALIWAG - J.P. RIZAL (043) 723-1698, 723-4579, Fax (043) 756-3898 J.P. Rizal St., San Jose, Baliwag, Bulacan (02) 520-6194 (044) 766-1185, 766-1224, 766-1225, ABRA - BANGUED Fax (043) 723-1698 SM CITY BATANGAS 673-2587 Unit 12, The Rosario Bldg., Taft St. corner G/F SM City Batangas, (02) 702-6000 loc. 2861 Magallanes St., 2800 Bangued, Abra BATANGAS - LEMERY Barangay Pallocan West, Batangas City Fax (044) 673-2562, 766-7600 (074)752-5273, 752-5274, 752-8094, Ilustre Avenue corner Lakandula St., (043) 722-2556, 722-2557, 722-2534, 662-0001 Lemery, Batangas 980-5951, 724-8877 BALIWAG - TAGLE Fax (074)752-8093 (043) 411-1803/05, 703-0058 (02) 886-7140, 885-6377 Rizal Street corner Tagle Street, Baliwag, (02) 429-2803, Fax (02) 886-7140 Bulacan ALBAY Fax (02) 429-2803 (044) 673-0063, 766-1423, 766-1134, SM CITY - LIPA 766-1148 BATANGAS - P. BURGOS G/F SM City Lipa, Ayala Highway, Lipa City, Fax (02) 711-4697 ALBAY - DARAGA P. Burgos St. cor. Evangelista St., Batangas Rizal St., 4501 Daraga, Albay Brgy. Poblacion, Batangas City (043) 756-4482/85, 756-4474 BULACAN - BALAGTAS (052) 483-3285, 824-1858, 483-3245, (043) 723-1408, 723-3138 (02) 584-4022/23 MacArthur Highway, Barangay San Juan, 824-0272, 824-1992 (02) 584-4337 Fax (02) 584-4022 3016 Balagtas, Bulacan Fax (052) 483-3729 Fax (02) 520-6173 (044) 693-4342, 693-3406, 918-1402, TANAUAN - A. MABINI 918-1254 ALBAY - POLANGUI BATANGAS - PALLOCAN WEST A. Mabini St., Tanauan 4232 Batangas (02) 702-6000 loc. 2860 Provincial Road cor. Brgy. Road., Manuela Pastor Avenue, Pallocan West, (043) 778-2682, 405-0710, 405-0711 Fax (044) 918-1402 Brgy. Ubaliw, Polangui, Albay Batangas City Fax (043) 778-0438 (052) 486-2399, 486-2397 (043) 723-8047, 980-0529, 723-8376, BULACAN - BOCAUE (02) 840-7000 loc. 39611, 723-7814 TANUAN - J.P. LAUREL HIGHWAY MacArthur Highway, Barangay Biñang 1st, Fax (052) 486-2398 Fax (043) 723-8162 President J.P. Laurel Highway corner Bocaue, Bulacan Sixto Castillo St., Poblacion, (044) 692-4269, 692-4280, 692-4284, ALBAY - TABACO BATANGAS - SAN JUAN Tanauan, Batangas (02) 702-6000 loc. 2243 Along Ziga Avenue, Tabaco, Albay Marasigan corner Kalayaan St., (043) 778-7041 to 44 Fax (044) 692-4278 (052) 487-7755, 487-7777, 487-7744 San Juan, Batangas Fax (043) 778-7042 (02) 702-6000 loc. 2807, (043) 575-4319, 341-3034 BULACAN - HAGONOY Fax (052) 830-2380 (02) 429-3002 G/F Ang Puso ng Hagonoy Fax (02) 429-3002 BENGUET Shopping Center Plaza, Hagonoy, Bulacan LEGASPI CITY - RIZAL ST. (044)793-0588, 793-3520, Rizal corner Gov. Imperial St. Legaspi City BATANGAS - STO. TOMAS BAGUIO - ABANAO SQUARE (02)702-6000 loc.2977 (052)481-4481, 481-4482, 820-2528, Maharlika Highway, San Antonio, Abanao Square, Abanao corner Fax (044) 793-3519 (02)429-1508, 702-6000 loc. 2181 Sto. Tomas, Batangas Zandueta St., Baguio City Fax (02)429-1508 (043) 318-0388, 778-6361, 778-0535, (074) 442-6027 to 28, 442-1809 to 11, BULACAN - OBANDO 405-6886 (02) 702-6000 loc. 2914 J.P. Rizal St., Barangay Catanghalan, LEGASPI CITY - ROTONDA (02) 702-6000 loc. 2978 Fax (074) 442-2791 3021 Obando, Bulacan Rizal St., 4500 Legaspi City, Albay Fax (043) 778-6361 292-2775, 294-0690, 294-3784 (052) 820-4258, 480-7956,480-6688, BAGUIO - LEGARDA Fax 294-0689 480-7361, 820-2413, 820-1464, BATANGAS CITY - RIZAL AVENUE Our Lady of Fatima Bldg. Yandoc St., (02) 702-6000 loc. 2919 Rizal Avenue corner P. Burgos St., Kayang Extension, Baguio City BULACAN - PLARIDEL Fax (052) 480-7361 4200 Batangas, Batangas City (074) 442-4063, 442-5638, 443-8720, Along Cagayan Valley Road, Banga, (043) 723-5974, 723-5975 to 77, 446-6352 Plaridel, Bulacan BATAAN 723-0558, 723-1053 to 54 (02) 702-6000 loc. 2594 (044) 670-2396, 760-4757, 760-4758, (02) 520-6191, Avaya loc. 2935 Fax (074) 444-3415 760-4759 Fax (043) 723-1054, (02) 520-6191 Fax (02) 299-8525 BALANGA - A. BANZON BAGUIO - LUNETA A. Banzon St., City of Balanga, LIPA - AYALA HIGHWAY Luneta Hill corner Gov. Pack Road, BULACAN - PULILAN 2100 Bataan Casa Esperanza Bldg. (Pres. J.P. Laurel) , Baguio City Doña Remedios Trinidad Highway, (047) 237-2150, 237-2070, Ayala Highway, Barangay Mataas na Lupa, (074) 442-8250 to 52, 442-2889, Sto. Cristo, Pulilan, Bulacan (02) 702-6000 loc. 2956 Lipa City (02) 702-6000 loc. 2079 (044) 676-0494, 676-0225, 815-0577, Fax (047) 237-4775 (043) 757-3981, 757-3982, 981-2020, Fax (074)442-8253 (02) 702-6000 loc. 2945 (02) 520-6227 Fax (02) 299-8329 BATANGAS Fax (02) 520-6227 BAGUIO - SESSION ROAD G/F National Life Bldg., Session Road, BULACAN - SAN JOSE DEL MONTE LIPA - C. M. RECTO Baguio City National Highway, Tungkong Mangga, BATANGAS - BALAYAN 131 C.M. Recto St., 4217 Lipa City, (074) 442-3818, 443-5028, 443-8137, San Jose del Monte City, Bulacan Antorcha St., Balayan, Batangas Batangas 443-8201 to 02 (044) 815-5847, 691-2537 (043) 921-3974, 211-4686, 407-1194, (043) 756-6847, 756-2313, 756-6848, (02) 702-6000 loc.2255 Fax (02) 828-1204 429-2704 AVAYA 2949 Fax (074) 444-9924, 442-2583 (02) 429-2704, 702-6000 Fax (043) 756-1515 BULACAN - SAN RAFAEL loc. 2852 BENGUET - LA TRINIDAD Km. 60, Cagayan Valley Road, Fax (043) 921-1059 LIPA - ROBINSON’S PLACE S & B Bldg., Km. 4 Balilli, 2601 La Trinidad, Cruz na Daan, San Rafael, Bulacan Level 1, Space L1-177, Benguet (044) 677-1550 to 51, 677-1545, BATANGAS - BAUAN Robinson’s Place - Lipa, (074) 422-1092, 422-2461, 309-3685, (02) 702-6000 loc. 2864 Kapitan Ponso St., Bauan, Batangas Ayala Highway, Lipa City, Batangas (02) 702-6000 loc. 2835 Fax (044) 677-1548 (043) 984-1457, 727-1514, 727-1515, (043) 757-3062, 981-2018, Fax (074) 422-1092 (02) 702-6000 loc. 2851 (02) 702-6000 loc. 2848 BULACAN STA. MARIA - GOV. F. HALILI Fax (043) 727-1515 Fax (043) 757-3062 SM CITY BAGUIO NEM Bldg., Gov. F. Halili Avenue, UGF SM City Baguio, Upper Session Road, Bagbaguin, Sta. Maria, Bulacan Baguio City (044) 641-2099, 641-1899, 641-2851, (074) 619-7623 to 28, (02) 702-6000 loc. 2812 (02) 702-6000 loc. 2183 Fax (02) 299-6375 Fax (074) 619-7624

51 We find ways

Branch Directory

BULACAN STA. MARIA - M.G. DE LEON CAVITE - IMUS #15 M.G. De Leon St., Poblacion, CAGAYAN CATANDUANES G/F DCR Bldg., Aguinaldo Highway, 3022 Sta. Maria, Bulacan 4103 Imus, Cavite (044) 641-1578, 641-1548, 641-4725, CAGAYAN - APARRI CATANDUANES - VIRAC (046) 875-7242, 875-7243, 471-0989 (02) 702-6000 loc. 2829 Rizal St. corner R.F Balisi St., San Juan corner Rizal St., 4800 Virac, Fax (046) 471-3214 Fax (044) 641-4725 Aparri, Cagayan Catanduanes (078) 888-2516, 822-8304, (052) 811-2231, CAVITE - IMUS NUENO AVENUE MALOLOS - CONGRESO (02) 702-6000 loc. 2847 Telefax (052) 811-1434 358 Exodus Bldg. Nueno Avenue, Paseo Del Congreso, Fax (078) 822-8779 Imus, Cavite San Agustin 3000 Malolos, Bulacan (046) 970-8733, 471-4065, 970-8734 (044) 791-6286, 662-3411, 662-1388, - BONIFACIO ST. CAVITE Fax (02) 843-0215 (02) 732-6839 Bonifacio St., Tuguegarao, Cagayan Fax (044) 791-9241 (078) 846-2691, 844-2405, BACOOR CAVITE - NAIC (02) 702-6000 loc.2938 FRC Mall Gen. Evangelista St. near corner Governor’s Drive corner Soriano Highway, MALOLOS - MACARTHUR HIGHWAY Fax (078) 844-0708 Zapote-Rotonda, Bacoor, Cavite Naic, Cavite S1 Cabana Space A, The Cabanas Mall, (046) 870-2759, 870-2760, 417-3446, (046) 412-2634, 412-2635, 412-2618 MacArthur Highway, Malolos City 417-3496, 417-3314 Fax (046) 412-2633 (044) 760-4476 to 78 CAMARINES NORTE Fax (02) 529-8957 (02) 584-4152 CAVITE - TANZA Fax (044) 760-4476 CAMARINES NORTE - DAET BACOOR - AGUINALDO HIGHWAY G/F Puregold Tanza, Provincial Road, J. Lukban St. corner Moreno St., Poblacion, Gen. E. Aguinaldo Highway, Panapaan, Tanza, Cavite MARILAO - MACARTHUR HIGHWAY Daet, Camarines Norte Bacoor, Cavite (046) 481-8881, 481-8882 Unit I-3 Cecilia Commercial Complex, (054) 440-2500, 721-4300, 440-2488, (046) 417-6702, 417-2998, 417-6782, (02) 584-4518 Abangan Norte,MacArthur Highway, 440-2499 417-3169 Fax (046) 481-8883 3019 Marilao, Bulacan (02) 702-6000 loc. 2806 (02) 702-6000 loc. 2271 (044) 711-1609, 760-0475 to 76, Fax (054) 429-0034 Fax (046) 417-6752 CAVITE - SILANG 711-3405 194 J. Rizal corner M. Belen St., (02) 702-6000 loc. 2933 CAVITE - CARMONA Silang, Cavite Fax (044) 711-3405 CAMARINES SUR Governor’s Drive, Barangay Maduya, (046) 414-1643, 414-1644, 414-1048 4116 Carmona, Cavite Fax (046) 414-2108 MEYCAUAYAN - MACARTHUR HIGHWAY CAMARINES SUR - PILI (046) 430-1771, 430-1773, 839-2899, Liberty Bldg. MacArthur Highway, Calvario, Santiago, Pili, Camarines Sur (02) 699-2015, 520-8297 CAVITE - TRECE MARTIRES Meycauayan, Bulacan (054) 361-0067, 477-3389 Fax (046) 430-1773, El Paseo Arcade, Indang-Trece Road near (044) 721-0820 Fax (054) 477-3390 (02) 840-7329 loc. 2389 corner Governor’s Drive, Trece Martires City, (02) 702-6000 loc. 2104 Cavite Fax (044) 228-2853, 935-3815 IRIGA CITY CAVITE - DASMARIÑAS AGUINALDO (046) 419-3208, 419-2200, 419-3238, Iriga Plaza Hotel Msgr. Lanuza St., HIGHWAY 419-3248 MEYCAUAYAN - MALHACAN San Francisco, Iriga City, Camarines Sur G/F Digital Bldg., Gen. Fax 046-419-3238 Barangay Northern Hills, Malhacan, (054) 299-2329, 655-0305, 299-2380, Highway, Dasmariñas, Cavite Meycauayan, Bulacan 299-3649 (046) 416-4320, 850-4041, 850-2212, CAVITE CITY - P. BURGOS (044) 695-3927,695-3131, (02) 702-6000 loc. 2834 416-6644 Corner P. Burgos & P. Julio St., Caridad, 935-1162, 228-3766, Fax (054) 456-0069 Fax (046) 850-2214 4100 Cavite City (02) 702-6000 loc. 2770 (046) 431-7641, 431-7640, 431-0143 Fax (044) 695-3144 NAGA - GENERAL LUNA CAVITE - DASMARIÑAS FCIE Fax (046) 431-0755 Nos. 80-82 General Luna St. Dinaga, Governor’s Drive, Barangay Langkaan, MEYCAUAYAN - ZAMORA Naga City Dasmariñas, Cavite KAWIT - BINAKAYAN Zamora St., Barrio Calvario, Meycauayan, (054) 811-2891, 811-2846, 473-6731, (046) 402-1134 to 35, 402-0151 1497 National Road, Binakayan, Bulacan 473-6639 Fax (632) 584-4167, (046) 402-1134 4104 Kawit, Cavite (044) 228-3133, 840-1386, (02) 250-8150, 702-6000 loc, 2073 Fax (046) 434-5676 935-2528, 840-5296, Fax (02) 250-8150 CAVITE - DASMARIÑAS TECHNO PARK (02) 702-6000 loc. 2944 Governor’s Drive, Barangay Paliparan I, SM CITY BACOOR Fax (044) 935-25-27 NAGA - MAGSAYSAY AVENUE Dasmariñas, Cavite UG/F SM City Bacoor, Magsaysay Avenue, Naga City (02) 529-8137, 529-8138 Gen. Aguinaldo Highway corner SM CITY BALIWAG (054) 473-1215, 473-3136, 811-3843, Fax (046) 972-2175 Tirona Highway, Bacoor, Cavite G/F SM City Baliwag, Barangay Sto. Cristo, 811-8320 (046) 970-5700, 970-5701, Baliwag, Bulacan (02) 250-8036 CAVITE - EPZA 417-4380, 417-3369 (044) 761-0705, 761-0709, Fax (054) 811-1232 Cavite EPZA Compound, 4106 Rosario, (02) 886-4668 761-0711 Cavite Fax (02) 886-4668 (02) 702-6000 loc. 2269 NAGA - PLAZA RIZAL (046) 437-1920, 437-6267, 437-2643 Fax (044) 761-0721 Gen. Luna St., 4400 Naga City, Fax (046) 437-6866 SM CITY DASMARIÑAS Camarines Sur SM City Dasmariñas, Barrio Pala-Pala, SM CITY MARILAO (054) 811-2157, 473-9016, 473-8498 CAVITE - GENERAL TRIAS GATEWAY Dasmariñas, Cavite G/F SM City Marilao, MacArthur Highway, (02) 250-8092, 702-6000 loc. 2934 Gateway Business Park, (046) 432-3020, 432-3080 Marilao, Bulacan Fax (054) 473-7913 C. Delos Reyes Avenue, 432-3040, 973-0162 (044) 933-2002 to 04, 711-1330 4107 Gen. Trias, Cavite (02) 886-4221 Fax (02) 299-6835 NAGA - SAN FRANCISCO (046) 433-0179, 433-0180, 433-0272, Fax (046) 432-3010 Barangay San Francisco, (02) 741-5138 WALTERMART - STA. MARIA Peñafrancia Avenue, Naga City Fax (046) 433-0178 SM CITY ROSARIO G/F Waltermart Sta. Maria Provincial Road (054) 472-6602, 472-6603, G/F SM City Rosario, General Trias Drive, corner By Pass Road, Brgy. Sta. Clara, 811-8861, 811-8862, CAVITE - IMUS ANABU Brgy. Tejero, Rosario, Cavite Sta. Maria, Bulacan (02) 250-8015, 702-6000 loc.2189 Gen. Aguinaldo corner Ambrosia Road, (046) 489-8640, 489-8639, (044) 641-5185, 641-0265 Fax (02) 250-8015 Anabu I, Imus, Cavite 489-8637, 489-8638 (02) 299-6383 (046) 515-9950, 515-9951 (02) 584-4273 Fax (02) 299-6383 SM CITY NAGA (02) 529-8612 Fax (046) 489-8641 G/F SM City Naga, Brgy. Triangulo, Fax (02) 529-8612 Central Business District II, Naga City (054) 472-1198, 472-1199, 811-2285, 811-2783 Fax (02) 250-8176

52 2010 Annual Report

SM CENTER MOLINO BIÑAN - A. MABINI SAN PEDRO G/F (Units 127-130) SM Center Molino, ISABELA Rey Bldg., A. Mabini St., Poblacion, Tayao Business Center Bldg. A. Mabini St. Molino Road, Bacoor, Cavite 4024 Biñan, Laguna San Pedro, Laguna (046) 474-3041, 474-3042, 474-3043, ISABELA - CAUAYAN (049) 511-7788, 511-9924, 511-9926, 868-0352, 808-7013, 847-3699, 847-2688 474-3044, 474-3045 Along National Highway, Cauayan City, 411-2926 Fax 868-0353 Fax (02) 844-3381 Isabela (02) 426-4816 (078) 652-1289, 652-2330, 897-1490, Fax (02) 429-4816 SAN PEDRO - NATIONAL HIGHWAY TAGAYTAY - MENDEZ JUNCTION (02) 702-6000 loc. 2811 Mega Bldg. National Highway, San Pedro, National Road, Brgy. Mendez Junction, Fax (078) 652-2421 CALAMBA - PASEO UNO Laguna Tagaytay City G/F Paseo Uno de Calamba, 868-7348, 868-5995, 868-5949 (046) 483-0621, 483-0622 ISABELA - ILAGAN National Highway, Brgy. Paciano, Fax 808-5939 Fax (02) 584-4499 Along Maharlika Highway, Calamagui 2nd, Calamba City, Laguna Ilagan, Isabela (049) 502-6177, 502-3381, 502-5617 SAN PEDRO - PACITA TAGAYTAY - ROTONDA (078) 624-0017, 622-2653, Fax (02) 520-8868 G/F M. Allen Bldg., Km31, Old National, Frablyn Tower (Tolentino Bldg.), (02) 702-6000 loc. 2810 National Highway, San Pedro, Laguna Emilio Aguinaldo Highway, Tagaytay Fax (078) 622-3503 CALAMBA CROSSING - NORTH 868-4994, 868-4995, 868-4997, (Near Tagaytay Rotonda) Calamba Crossing National Highway, 868-2130, 520-2859 (046) 413-0355, 413-0353, 860-2165, ISABELA - ROXAS 4027 Calamba, Laguna Fax 868-4998 Manila Line: 529-8122, Avaya: 2946 23 Osmeña Road, Bantug, Mallig Plain, (049) 545-4707, 545-4708, 545-5981, Fax (046) 860-2164 3320 Roxas, Isabela (02) 520-8847 SM CITY CALAMBA (078) 642-8638, 642-8636, Fax (049) 545-4706 G/F SM City Calamba, National Highway, (02) 702-6000 loc. 2990 Brgy. Real, Calamba City, Laguna ILOCOS NORTE Fax (078) 642-7166 LAGUNA - CABUYAO (049) 530-0081, 530-0377 G/F Lim-Bell Business Center, J.P. Rizal St., Fax (049) 530-0082 ILOCOS NORTE - BATAC ISABELA - SANTIAGO CENTRO Cabuyao, Laguna Aoigan Bldg., Washington St., A & A Musngi Bldg., City Road cor. (049) 531-4109 to 10, 531-4338, SM CITY SAN PABLO Batac 2906 Ilocos Norte Carreon St., Centro East, Santiago City, 832-1462, G/F SM City San Pablo, Marikina Highway, (077) 792-3092, 617-1556, Isabela (02) 520-8915, 702-6000 loc. 2863, Brgy. San Rafael, San Pablo City, Laguna (02) 702-6000 loc. 2979 (078) 682-2986, 682-2918, Fax (049) 531-4338 (049) 521-1026, 521-1027, Fax (077) 792-3375 (02) 702-6000 loc. 2893 (02) 702-6000 loc. 52393 Fax (078) 682-2957 LAGUNA - PAGSANJAN Fax (02) 519-4004 LAOAG - BALINTAWAK JP Rizal St. corner F. De San Juan St., Corner Rizal & Balintawak St., ISABELA SANTIAGO - MAHARLIKA HIGHWAY Brgy. Dos, Poblacion, Pagsanjan, Laguna SM CITY STA. ROSA 2900 Laoag City, Ilocos Norte Maharlika Highway corner Quezon Avenue, (049) 501-1613, 501-1614, 501-1615 G/F SM City Sta. Rosa, Barrio Tagapo, (077) 772-1123, 772-0315, 771-4021, Victory Norte, Santiago City, Isabela Fax (049) 501-1612 Sta. Rosa, Laguna 771-3903, (078) 682-5946, 682-8592, 682-4060, (049) 534-9823, 534-9824, (02) 702-6000 loc. 2948 (02) 702-6000 loc. 2959 LAGUNA - STA. CRUZ 534-9825, 534-9826, Fax (077) 771-4021 Fax (078) 682-8592, 682-8245 Along Regidor St., Sta. Cruz, Laguna (02)843-0216 (049) 808-0238, 808-0239, 808-0229 Fax (02)844-7870 LAOAG - CASTRO Fax (049) 808-0226 Pichay Bldg., J.P. Rizal corner A. Castro St., LA UNION STA. ROSA - DON JOSE Laoag City LAGUNA - TECHNOPARK PCC Bldg., Sta. Rosa - Tagaytay Road, (077)771-5433, 772-0266, 770-3702, LA UNION - AGOO G/F Laguna Technopark Admin Bldg 1, Brgy. Don Jose, Sta. Rosa, Laguna 770-3703 Along National Highway, Brgy. San Nicolas, North Main Avenue, Laguna Technopark, (049) 544-1042, 544-1043, (02)702-6000 loc. 2096 Agoo, La Union Biñan, Laguna (02) 584-4233, 702-6000 loc. 2884 Fax (077)771-6098 (072) 710-2129 to 30, (02) 584-4196, (049) 502-5108, Fax (049) 837-2538 (02) 702-6000 loc. 2774 502-5109, 541-3073, 541-3074 ROBINSON’S PLACE - SAN NICOLAS Fax (072) 710-2128 Fax (02) 584-4194 STA. ROSA - SOUTH EXPRESSWAY Unit 1-00144 Robinson’s Place, National Road Pulong Sta. Cruz, San Nicolas, Ilocos Norte LA UNION SAN FERNANDO LOS BAÑOS 4026 Sta. Rosa, Laguna (077) 670-7146, 670-7147 - QUEZON AVENUE Olivarez Plaza Cinema & Supermarket Complex, (049) 539-0295, Fax (077) 781-2700 Quezon Avenue, 2500 San Fernando, Along National Highway, Barangay Batong (02) 520-8198, 886-4738 La Union Malake, Los Baños Fax (02) 886-4738, (049) 837-2491 (072) 700-1387, 242-0239, 700-1392, (049) 536-6355, 536-6358, ILOCOS SUR (02) 702-6000 loc. 2828 (02) 520-8363 WALTERMART - STA. ROSA Fax (072) 700-1388 Fax (049) 536-6355, (02) 520-8363 San Lorenzo drive corner Balibago Road, ILOCOS SUR - CANDON Barangay Balibago, 4026 Sta. Rosa, Laguna National Highway corner Abaya St., LA UNION SAN FERNANDO - RIZAL AVENUE SAN PABLO - MAHARLIKA HIGHWAY (049) 837-4977, 534-4631 to 32 2710 Candon, Ilocos Sur Rizal Avenue corner Ortega St., G/F Bien Paz Arcade, (02) 520-8683 (077) 742-4167, 742-4157, 644-0250, San Fernando, La Union Maharlika Highway Junction, San Rafael, Fax (049) 534-4630 644-0251, 742-6410, (072) 607-8422, 607-8424, 607-8417, San Pablo City (02) 702-6000 loc. 2856 (02) 702-6000 loc. 2097 (049) 562-1778, 562-1779, Fax (077) 742-6410 Fax (072) 607-8423 (02) 584-4138 NUEVA ECIJA Fax (02) 584-4138 VIGAN - PLAZA MAESTRO CABANATUAN - MAHARLIKA ROAD G/F Plaza Maestro Commercial Complex, LAGUNA SAN PABLO - PAULINO Maharlika Road, near corner Burgos & Florentino St., Vigan City, M. Paulino St., San Pablo City Sanciangco St., Cabanatuan City Ilocos Sur BIÑAN (049) 562-4991, 562-7804 (044) 463-3985, 463-3408, 463-3264, (077) 722-3930, 722-3965, 722-3974 , A. Bonifacio St. Barrio Canlalay, Fax (049) 567-0357 (02) 702-6000 loc. 2822 (02) 702-6000 loc. 2699 Biñan, Laguna Fax (044)463-3264 Fax (077) 722-3934 (049) 411-4030, 411-4031, 411-4032 SAN PABLO - RIZAL ST. Fax No. (02) 520-8274 2F Equitable PCI Bldg., Rizal St. corner CABANATUAN - MEGACENTER MALL VIGAN - QUEZON AVENUE P. Alcantara St., San Pablo City, Laguna Unit 49-B UG/F Megacenter, Corner Bonifacio St. & Quezon Avenue, (049) 561-1881, 561-1882, 561-1883 The Mall Gen. Tinio & Melencio St., 2900 Vigan, Ilocos Sur Avaya loc. 2988 Cabanatuan City (077) 722-6760, 722-1780,722-1781, Fax (049) 561-1881 (044) 463-3160, 463-3271, 463-3285, 722-2581, (02) 702-6000 loc. 2095 (02) 702-6000 loc. 2929 Fax (077) 722-2582 Fax (044) 463-3143

53 We find ways

Branch Directory

CABANATUAN - NE PACIFIC MALL CLARK SEZ - PUREGOLD SM CITY PAMPANGA B Ground Level, Unit CM-2 (Mall Entrance 2), ORIENTAL MINDORO Puregold Duty Free (Expansion) Bldg. G/F SM City Pampanga Annex Bldg. 4, NE Pacific Mall, Km.111, Claro M. Recto Highway San Fernando, Pampanga Maharlika Highway, Cabanatuan City, MINDORO - CALAPAN (formerly Dyess Highway) (045) 455-0142, 455-0143, 455-0144, Nueva Ecija J.P. Rizal St., 5200 Calapan, Clark Special Economic Zone, Clarkfield, 445-0145, 455-0146, (044) 940-2025 to 26, Oriental Mindoro Pampanga (02) 702-6000 loc. 2113 (02) 702-6000 loc. 2878 (043) 288-4104, 441-1553 (045) 599-3284, 599-3285, 599-3286, Fax (045) 455-0144 Fax (044) 940-2026 Fax (043) 288-4666 599-3288, (02) 702-6000 loc. 2932 WALTERMART - PAMPANGA CABANATUAN - PACO ROMAN Fax (045) 599-3287 G/F Waltermart Pampanga, Along Paco Roman St., Cabanatuan City, PALAWAN MacArthur Highway, San Agustin, Nueva Ecija PAMPANGA - APALIT San Fernando, Pampanga (044) 463-0476, 600-2581, 464-1535, PUERTO PRINCESA G/F Quintos Bldg., MacArthur Highway, (045) 435-0047, 435-0048, 435-0049 (02) 702-6000 loc. 52093 261 Rizal Avenue, San Vicente, Apalit, Pampanga 860-2513, Fax (044) 463-0477 5300 Puerto Princesa City, Palawan (045) 879-1247, 879-1249, 302-8510, (02) 702-6000 local 52814 (048) 434-4244, 433-2679, 433-2491, (02) 702-6000 loc. 2815 Fax (045) 435-0046 CABANATUAN - SANCIANGCO (02) 702-6000 loc. 2992 Fax (045) 879-1248 Sanciangco St., Cabanatuan City Fax (048) 433-2713 (044) 464-0909, 463-5853, 600-3251, PAMPANGA - GUAGUA PANGASINAN (02) 702-6000 loc. 2824 PAMPANGA Yabut Bldg., Plaza Burgos, 2003 Guagua, Fax (044) 463-0020 Pampanga DAGUPAN - FERNANDEZ ANGELES - BALIBAGO (045) 900-0213, 900-4454, 901-0629, A.B. Fernandez Avenue, 2400 Dagupan City, NUEVA ECIJA - GAPAN G/F Lawrence Plaza, MacArthur Highway 900-0194, 900-0060, Pangasinan Tinio St., 3105 Gapan, Nueva Ecija near corner Charlot St., Balibago, (02) 702-6000 loc. 2854 (075) 515-8266, 523-4860,522-2792, (044) 486-0305, 486-2235, 486-3345, Angeles City Fax (045) 900-0194 515-2469, 523-5441, (02) 702-6000 loc. 2823 (045) 892-4230, 625-7775, 892-4187, (02) 702-6000 loc. 2832 Fax (044) 486-2288 892-5241, PAMPANGA - LUBAO Fax (075) 522-2791 (02) 702-6000 loc. 2778 Olongapo-Gapan Road, Sta. Cruz, Lubao, NUEVA ECIJA - GUIMBA Fax (045) 625-7647 Pampanga DAGUPAN - PEREZ Afan Salvador St., 3115 Guimba, (045) 971-7797, 971-7798 386 Perez Blvd. Dagupan City Nueva Ecija ANGELES - MACARTHUR HIGHWAY Fax (045) 971-7803 (075) 523-4002, 522-2055,523-5240, (044) 611-0056, 611-0058, 943-0212, G/F Excelsior Bldg. 314 MacArthur Highway, 522-2007, (02) 702-6000 loc. 2870 Barangay Claro M. Recto, Angeles City PAMPANGA SAN FERNANDO - DOLORES (02) 702-6000 loc. 2098 Fax (044) 611-2058 (045) 626-2050, 626-2051, 626-2053, MacArthur Highway, Dolores 2000 Fax (075) 515-4189 (02) 702-6000 loc. 2146 City of San Fernando, Pampanga NUEVA ECIJA - MUÑOZ Fax (045) 626-2052 (045) 860-0884, 961-2907, 963-4084, DAGUPAN - TAPUAC T. Delos Santos St. Science City of Muñoz, (02) 702-6000 loc. 2981 Units 8, 9, 10 Mother Goose Play School Nueva Ecija ANGELES - STO. ROSARIO Fax (045) 961-5286 Bldg., MacArthur Highway, Tapuac District, (044) 456-0892 to 93, 456-0123, Plaza Rafael I, 151-D Sto. Rosario St., Dagupan City, Pangasinan (02) 702-6000 loc. 2947 Sto. Domingo, Angeles City PAMPANGA SAN FERNANDO - GEN. HIZON (075) 523-6330 to 31, 515-6114, Fax (044) 456-0356 (045) 887-0202, 887-0404, 887-1313, Gen. Hizon Extension, San Fernando, 523-5630, 523-3591, 515-2185, 887-1212, Pampanga (02) 702-6000 loc. 2541 NUEVA ECIJA - SAN JOSE (02) 246-8400, 702-6000 loc. 2530 (045) 961-5196, 860-6379, (02) 749-1160 Fax (075) 523-3591 Maharlika Road, 3121 San Jose City, Fax (045) 887-1010 Fax (045) 961-5156 Nueva Ecija PANGASINAN - ALAMINOS (044) 947-1376, 947-1527, 947-2998, ANGELES CITY - MIRANDA PAMPANGA SAN FERNANDO - Marcos Avenue, Palamis 2404 Alaminos, 947-2999, (02) 702-6000 loc. 2199 PCIB Bldg., Miranda St. 2009 Angeles City, MACARTHUR HIGHWAY Pangasinan Fax (044) 511-1527 Pampanga G/F Doña Isa Fel Bldg. II, (075) 551-5692, 551-3353, 551-5615, (045) 888-7712, 887-7242, 888-7373, MacArthur Highway, Dolores, 552-7106, NUEVA ECIJA - STA. ROSA 322-6032, 888-4935, San Fernando City, Pampanga (02) 702-6000 loc. 2983 Along Maharlika Highway, Sta. Rosa, (02) 702-6000 loc. 2915 (045) 961-0831 to 33, Fax (075) 551-5632 Nueva Ecija Fax (045) 887-7242, 887-7378 (02) 702-6000 loc. 2629 (044) 940-1117 to 19, 940-1109, Fax (045) 961-0834 PANGASINAN - CALASIAO (02) 702-6000 loc. 2874 ANGELES CITY - NEPO MART G/F Señor Tesoro Academy Bldg., Fax (044) 940-1118 G/F Angeles Business Center, PAMPANGA SAN FERNANDO - SINDALAN San Miguel, Calasiao, Pangasinan Teresa Avenue, Nepo Mart Complex, Palm Bldg., MacArthur Highway, Sindalan, (075) 522-0393, 522-9606, 523-9207, NUEVA ECIJA - TALAVERA Angeles City San Fernando City, Pampanga (02) 702-6000 loc. 2767 Maharlika Highway, Marcos District, (045) 888-8335, 322-4478,888-6119, (045) 636-4113, 636-4114, Fax (075) 517-2985 Talavera, Nueva Ecija 888-1522, (02) 702-6000 loc. 2813 (044) 951-1422, 951-1443, 411-1738, (02) 702-6000 loc. 2913 Fax (045) 860-0278 PANGASINAN - CARMEN 951-1463, 951-1401, Fax (045) 888-1027 MacArthur Highway, (02) 702-6000 loc. 2871 SM CITY CLARK Carmen East 2441 Rosales, Pangasinan Fax (044) 411-1276 CLARK SEZ - CENTENNIAL G/F SM City Clark, Clark Field, Pampanga (075) 582-7372, Centennial Road, Clark Special Economic (045) 625-5622, 625-5623, 625-5636, (02) 702-6000 loc. 2982 Zone, Clarkfield, Pampanga (02) 584-4003, 702-6000 loc. 2131, 2233 Fax (075) 582-2925 NUEVA VIZCAYA (045) 599-3487, 893-4149, 893-4107, Fax (045) 625-5621 599-5668, 599-5666, PANGASINAN - LINGAYEN NUEVA VIZCAYA - SOLANO (02) 702-6000 loc. 2980 SM CITY PAMPANGA A 80 Avenida Rizal East, Lingayen, Pangasinan National Highway, Solano, Nueva Vizcaya Fax (045) 599-5667 G/F SM City Pampanga, San Fernando, (075) 662-1283, 662-1284, 542-8004, (078) 326-7283, (02) 702-6000 loc. 2991 Pampanga (02) 702-6000 loc. 2850 Fax (078) 326-7754 (045) 961-2304, 961-2327, 921-2236, Fax (075) 542-8003 (02) 741-7018 Fax (045) 963-5262, (02) 741-7016 PANGASINAN - SAN CARLOS Polaris St., 2420 San Carlos City, Pangasinan (075) 532-4522, 532-3844, (02) 702-6000 loc. 2820 Fax (075) 532-4522

54 2010 Annual Report

PANGASINAN - TAYUG ORTIGAS AVENUE EXT. - CAINTA TARLAC – F. TAÑEDO Along Quezon Blvd., Poblacion, Tayug, RIZAL Units 7-9 Philfoam Furnishing Bldg., F. Tañedo corner Juan Luna St., Tarlac City Pangasinan Km 23 Ortigas Avenue Extension, (045) 982-3407, 982-3408, 982-0171, (075) 572-3728, 572-3730, 572-3731 ANGONO - M. L. QUEZON AVENUE Cainta Rizal 982-0172, 982-7790, 982-1299, Fax (075) 572-3729 Ground Floor, AB Commercial Plaza, M.L. 669-1711, 658-1110, 240-3454, (02) 702-6000 loc. 2937 Quezon Ave. Brgy. San Pedro, Angono, Rizal 660-9663, 669-1721, 240-3588, 240-3611 Fax (045) 982-1298 SM CITY ROSALES 470-0487, 470-0485, 470-0568, 470-0543 Fax 658-1080 SM City Rosales, Carmen East, Rosales, Fax 470-0485 TARLAC – J. LUNA Pangasinan RIZAL - MONTALBAN J. Luna St. near corner MacArthur Tarlac, (075) 564-2595, 564-2575, 653-0213 to 14, ANGONO - NATIONAL HIGHWAY G/F Montalban Town Center, Tarlac (02) 702-6000 loc. 2678 Aurora Building, Manila East Road corner Rodriquez Highway corner Lardizabal St., (045) 982-8158, 982-9005, 982-5539, Fax (075) 564-2575 Duhat St., Angono, Rizal Brgy. San Jose, Rodriquez, Rizal 982-3192, (02) 451-0063, 451-0278, 451-0607 948-2718, 942-7894, 942-7349 (02) 702-6000 loc. 2836 URDANETA - ALEXANDER Fax 451-0358 Telefax 942-7974 Fax (045) 982-3192 Alexander St., Urdaneta City, Pangasinan (075) 656-0005 to 07, ANTIPOLO MASINAG RIZAL - TANAY TARLAC – PANIQUI (02) 702-6000 loc. 2268 Tripolee Bldg. Marcos Highway near corner Tanay Town Center, Sampaloc Road cor. FT M.H. Del Pilar St., MacArthur Highway, Fax (075) 656-0006 Sumulong Highway, Mayamot, Antipolo Catapusan St., Plaza Aldea, Tanay, Rizal 2307 Paniqui, Tarlac 645-6041, 682-4654, 647-9948 654-5669, 654-5670, 654-5671, 654-5672 (045) 931-0298, 931-1843, 931-0355, URDANETA - MACARTHUR HIGHWAY Fax 645-6135 Telefax 654-5669 (02) 702-6000 loc. 2853 182 LIS Bldg. MacArthur Highway, Fax (045) 931-0298 San Vicente, Urdaneta ANTIPOLO PLAZA SM CITY TAYTAY (075) 624-2288, 568-4225, Gatsby Bldg. II M. L. Quezon St. Antipolo G/F Bldg. A, SM City Taytay, SM CITY TARLAC (02) 702-6000 loc. 2232 650-8233, 696-0021, 650-7030 Manila East Road, Barangay Dolores, U & LGF, SM City Tarlac, Fax (075) 568-4182 Fax 697-0050 Taytay, Rizal MacArthur Highway, San Roque, Tarlac City 661-1934, 661-1935, 661-1936, 661-1937 (045) 606-3221, 606-0405, 606-0497, ANTIPOLO - B. V. SOLIVEN Fax 661-1938 (02) 519-4096 QUEZON Blk 24, Lot 1, Benito V. Soliven Avenue, Fax (045) 606-3221 Greenheights Subdivision, Brgy. Mayamot, STA. LUCIA EAST - CAINTA LUCENA - ENRIQUEZ Antipolo City Sta. Lucia East Grand Mall, Marcos Hi-Way Enriquez corner Evangelista St., 477-2101, 477-2105, 477-2097 corner Felix Avenue, 1900 Cainta, Rizal ZAMBALES Lucena City Fax 477-2077 681-5232, 681-5296, 681-5171, 681-5173 (042) 373-7798, 373-7793, 373-5556, Fax 681-5172 OLONGAPO (02) 702-6000 loc. 2805 ANTIPOLO - CIRCUMFERENTIAL ROAD GF & 2F KT Tower, Rizal Avenue East corner Fax (042) 373-7799 Circumferential Road corner F. Manalo St., STA. LUCIA EAST – FELIX AVENUE 18th St. Bajac, Olongapo City Antipolo City G/F Phase 1, Sta. Lucia Grand Mall, (047) 222-3974, 222-9473,224-5063, LUCENA - GULANG-GULANG 696-5205, 696-5216, 696-5208 Marcos Highway corner Felix Avenue, (02) 702-6000 loc. 2989 505 Quezon Avenue Extension, Fax 696-5212 Cainta Fax (047) 222-2250 Barangay Gulang-gulang, Lucena City 682-6071, 682-6030, 682-6429 (042) 373-7127, 373-5573 ANTIPOLO - SUMULONG HIGHWAY Fax 682-6134 SUBIC - TIMES SQUARE Fax (042) 373-5410 BDO Bldg., Sumulong Highway, Masinag, 420 Rizal Highway Subic Bay Freeport Zone, Mayamot, Antipolo TAYTAY – MANILA EAST ROAD 2200 Olongapo City, Zambales LUCENA - MERCHAN 682-4194, 682-4195, 682-4198 BDO Bldg., East Road, Taytay, Rizal (047) 252-7050, 252-2939, 252-7090, Merchan St. corner San Fernando St., Fax 682-4196 660-5393, 660-5392, 286-3203 (02) 702-6000 loc. 2910 Lucena City Fax 286-3271 Fax (047) 252-7420 (042) 660-3760, CAINTA JUNCTION (02) 702-6000 loc. 2088 Hipolito Bldg. Ortigas Avenue Extension, TAYTAY NATIONAL HIGHWAY Fax (042) 373-4979 Cainta Junction, Cainta, Rizal Korte Rosario Restaurant, 655-8022, 240-3145, 240-3182 Taytay National Highway, Ilog Pugad, LUCENA - QUEZON AVENUE Fax 655-8021 Barangay San Juan, Taytay Rizal Quezon Avenue corner Profugo St., 658-6574, 660-6870, 286-3495, 660-6070 Lucena City, Quezon CAINTA - A. BONIFACIO Fax 658-6575 (042) 710-3468, 373-5721, 373-5722, Ledor Commercial Center 660-7797, 710-2916, A. Bonifacio Avenue corner Samonte St., (02) 840-7000 loc. 1991, 1995, Barangay San Juan, Cainta, Rizal SORSOGON 702-6000 loc. 2819 655-5646, 655-4358, 655-9013 Fax (042) 373-5930 Fax 655-2313 SORSOGON CITY Son Bldg., R. Magsaysay Avenue, QUEZON - CANDELARIA MAKRO CAINTA Sorsogon City Rizal corner Valle St., Candelaria, Makro Cainta, Felix Huerta Avenue, (056) 211-2391, 421-5501, 211-1821, Quezon 4323 Cainta, Rizal (02) 702-6000 loc. 2808 (042) 741-1084, 655-1866, 656-2996, 655-5972 Fax (056) 211-2100, 421-5107 (02) 250-8414, 702-6000 loc. 2855 Fax 655-5072 Fax (02) 250-8414 MARCOS HIGHWAY TARLAC SM CITY LUCENA Town & Country Commercial Arcade, G/F SM City Lucena, Pagbilao National Road, Marcos Highway corner Narra St. Cainta, TARLAC – CAMILING Lucena City Rizal Romulo St., Brgy. Poblacion A, Camiling, (042) 710-6108, 710-6723, 660-7296 668-1983, 668-1197, 668-1199, Tarlac Fax (02) 889-6790 668-1235, 668-1976 (045) 934-3640, 934-3642, 934-3646 Fax 668-1207 Fax (045) 934-3643

MARCOS SUMULONG HIGHWAY TARLAC – CONCEPCION Kingsville Commercial Arcade, Marcos L. Jaena corner L. Cortes St., San Nicolas, Highway, 1870 Antipolo, Rizal 2316 Concepcion, Tarlac 645-8156, 668-1296, 645-5323 (045) 923-0792, 923-0630, Fax 645-4934 (02) 702-6000 loc. 2837 Fax (045) 923-0034

55 We find ways

Branch Directory

VISAYAS VISAYAS AKLAN AKLAN – KALIBO Along XIX Martyrs St., Kalibo, Aklan (036) 268-8612, 268-8613, 500-7221, 500-7954, 83 Branches 164 ATMs (02) 702-6000 loc. 2858 Fax (036) 268-8610

ANTIQUE

ANTIQUE Corner Gov. Villavert St. & Gov. Gella St., San Jose, Antique 5700 (036) 540-8398, 540-7770, 320-1814, 320-2002, (02) 702-6000 loc. 2257 Fax (036) 540-8398

AKLAN BOHOL CAPIZ BOHOL - TAGBILARAN ANTIQUE CP Garcia Avenue, 56300 Tagbilaran City, LEYTE Bohol ILOILO (038) 411-4921, 411-2085, 501-9890, (02) 702-6000 loc. 52781 CEBU Fax (038) 235-3373 SOUTHERN LEYTE CAPIZ NEGROS OCCIDENTAL BOHOL ROXAS - ROXAS AVENUE Roxas Avenue, Roxas City, Capiz (036) 621-0210, 621-6112, 621-4962, NEGROS ORIENTAL 338-0648, (02) 702-6000 loc. 2802 Fax (036) 621-0054

CEBU

CEBU - A.S. FORTUNA G/F Tanaka Bldg., 869 A. S. Fortuna St., LOCATION BRANCHES ATM Banilad, Mandaue City (032) 416-2044, 343-3497, Aklan 1 1 (02) 702-6000 loc.52118 Fax (032) 343-3498 Antique 1 1 Bohol 1 3 CEBU - ASIATOWN IT PARK G/F TGU Tower, Salinas Drive cor. Capiz 1 2 J.M. Del Mar St., Asiatown IT Park, Apas, Cebu City Cebu 38 80 (032) 479-9027, 238-9714, Iloilo 13 31 (02) 840-7000 loc 39605 Fax (032) 238-9719 Leyte 4 7 0 Negros Occidental 20 33 CEBU - AYALA BUSINESS PARK Cebu Towers, Mindanao corner Bohol Negros Oriental 2 4 Avenue, , Cebu City (032) 238-8153 to 56, Samar 1 1 (02) 702-6000 Southern Leyte 1 1 loc. 52242, 52542 Fax (032) 238-8155

CEBU - AYALA MALL Stall 286A, Level 2, West Entry, Ayala Center Mall, Cebu, Cebu Business Park, Cebu City 6000 (032) 239-0410, 239-0420, 412-6185 *As of March 2011 Fax (032) 238-7545

56 2010 Annual Report

CEBU - BANILAD CEBU - GORORDO CEBU - NORTH MANDAUE CEBU ELIZABETH MALL G/F PDI Condominium, Gov. Cuenco Avenue, Gorordo Avenue, Lahug 6000, Cebu City, National Highway, Mandaue City G/F Elizabeth Mall, Leon Kilat corner Banilad, Cebu City Cebu (032) 345-5993, 346-2180, 340-3381, South Expressway, Cebu City (032) 234-0189, 234-0184, 416-2077, (032) 233-5767, 232-1500 to 15, 345-5991, 345-0602, (032) 255-9769, 255-9971, 417-7900, 234-0186, 233-0001, 231-4424, (02) 702-6000 loc. 52954 (02) 702-6000 loc. 52185 (02) 702-6000 loc. 52840 (02) 702-6000 loc. 52924 Fax (032) 346-2043 Fax (032) 255-9970 Fax (032) 234-0182 Fax (032) 231-4054 CEBU - NORTH RECLAMATION MACTAN - EPZA CEBU - BOGO CEBU - GUADALUPE Block 20-A corner Port Centre Avenue & Mactan-EPZA Compound, P. Rodriguez corner San Vicente St., R. Duterte cor. V. Rama Sts. Guadalupe, Juan Luna Avenue, 6000 Lapu-lapu City, Cebu 6010 Bogo, Cebu City Cebu City North Reclamation Area, Cebu City (032) 340-3700, 340-3912, 340-0385, (032) 251-2030, 434-8900, 256-3574, (032) 416-3059, 256-3907 (032) 232-0320, 232-0321, 232-0322, (02) 702-6000 loc. 52838 (02) 702-6000 loc. 52833 Fax (032) 255-9765 232-0323, Japan desk: 340-3460 Fax (032) 434-8619 (02) 702-6000 loc. 52984 Fax (032) 495-5151 CEBU - INSULAR LIFE BUSINESS CENTRE Fax (032) 232-0328 CEBU - BORROMEO G/F Insular Life Cebu Business Centre SM CITY CEBU Borromeo corner Magallanes St., Cebu City Mindanao Avenue cor. Biliran Road, CEBU - NORTH ROAD SM City Cebu, North Reclamation Area, (032) 253-7449, 255-6165, 256-3583, Cebu Business Park, Cebu City National Highway, Labogon Mandaue City, Cebu City 412-3737, (032) 266-0971, 266-0973, 266-0970 Cebu (032) 231-4053, 231-2082, 412-1225, (02) 702-6000 loc. 52172 Fax (032) 266-0972 (032) 345-1017, 345-1018, 345-1024, (02) 702-6000 loc. 52080 Fax (032) 253-8823 345-1090, Fax (032) 232-0774 CEBU - LAPU-LAPU (02) 702-6000 loc. 52841 CEBU - CAPITOL Unit 9, The Arcade, ML Quezon Highway, Fax (032) 345-1061 SM CITY CEBU B Osmeña Blvd. Corner Ma. Cristina St., Pajo, Lapu-lapu City UGF The Northwing - SM City Cebu, 6000 Cebu City, Cebu (032) 340-8614, 340-8613, CEBU - OSMEÑA North Reclamation Area, (032) 254-4643, 254-2803, 256-0237, (02) 840-7000 loc. 39617 Osmeña Blvd. Corner Urgello St. Cebu City San Jose dela Montaña cor. (02) 702-6000 loc. 52970 Fax (032) 340-8611 (032) 253-5277, 253-8052, M.J. Cuenco Ave., Cebu City Fax (032) 253-0659 (02) 702-6000 loc. 52076 (032) 231-3335, 231-2182, 231-0602, CEBU - LEGASPI Fax (032) 253-6219 (02) 702-6000 loc. 52245 CEBU - CONSOLACION Legaspi corner Zamora St. Cebu City Fax (032) 233-1412 G/F Annex Bldg., Fooda Saversmart, (032) 256-2507, 256-2709, 253-1056, CEBU - PARKMALL Consolacion, Cebu 412-1223, Units 29-31 Parkmall No. 168 Ouano Avenue, (032) 236-3367 to 69, (02) 702-6000 loc. 52171 Mandaue Reclamation Road, ILOILO (02) 702-6000 loc. 52705 Fax (032) 412-1223 Mandaue City, Cebu Fax (032) 236-3369 (032) 236-3421, 236-3422, ILOILO - CENTRAL CEBU - MAGALLANES (02) 702-6000 loc. 52704 Iznart St. Lot 317-B-2-A-1, 5000 Iloilo CEBU - CUENCO Plaridel St. corner Magallanes St. Fax (032) 236-3423 City, Iloilo NSLC Bldg. M. J. Cuenco Avenue, Cebu City Cebu City (033) 335-1105, 335-0417, 337-7210, (032) 256-2469, 256-2474, (032) 255-6792, 253-9713, 253-0486, CEBU - PLARIDEL (02) 702-6000 loc. 2081 (02) 702-6000 loc. 52075 (02) 702-6000 loc. 52077 21 Dy Bldg., Plaridel St., Cebu City Fax (033) 337-7210 Fax (032) 253-3801 Fax (032) 253-0486 (032) 256-1478 to 79, (02) 840-7000 loc. 39615 ILOILO - GENERAL LUNA CEBU - ESCARIO CEBU - MAGALLANES PLARIDEL Fax (032) 256-1470 LPHTP Bldg., General Luna St., Iloilo City Cebu Escario St. Cebu City Magallanes corner Plaridel St., (033) 335-0247, 335-0745, 336-0215, (032) 254-0408, 254-0482, 6000 Cebu City CEBU - SOUTH MANDAUE (02) 702-6000 loc. 2993 (02) 702-6000 loc. 52100 (032) 255-1728 to 29, 254-8467, National Highway, 6014 Mandaue City, Fax (033) 337-0123 Fax (032) 254-4305 412-3398, Cebu (02) 702-6000 loc. 52912 (032) 346-0101, 345-2458, 346-4689, ILOILO - IZNART CEBU - F. GONZALES Fax (032) 253-8572 (02) 702-6000 loc. 52957 Iznart St., 5000 Iloilo City, Iloilo F. Gonzales corner Magallanes St., Fax (032) 346-7915 (033) 337-7795, 336-0917, 335-8253, Cebu City CEBU - MAMBALING 336-9019, 335-1301, (032) 253-2246, 416-5088, 254-8191, Grand Orchard Commercial Bldg., CEBU - TABO-AN (02) 702-6000 loc. 2857 254-8192, 254-8193, 254-8194, C. Padilla St., Mambaling, Cebu City T. Abella St., San Nicolas Central 6000 Fax (033) 335-0669 (02) 702-6000 loc. 2922 (032) 262-4462, 414-6092, 414-6094 Cebu City Fax (032) 254-2245 Fax (032) 261-8472 (032) 261-4421 to 23, 261-1377, ILOILO - JARO (02) 702-6000 loc. 52842 NB Bldg. Lopez Jaena St. Jaro, Iloilo City CEBU - F. RAMOS CEBU - MANDAUE Fax (032) 261-1378 (033) 329-2132, 329-6971, 134 Borromeo Bldg., F. Ramos corner La Fuerza Compound, Subangdaku, (02) 702-6000 loc. 2074 Arlington Pond, Cebu City 6000 Mandaue City CEBU - TABUNOK Fax (033) 329-6931 (032) 412-5808, 255-0959, 253-6545, (032) 343-6531, 343-6535, 422-6786, PBS Bldg. 2688 National Highway, 254-9757, 343-6532, Tabunok, Talisay, Cebu City ILOILO - JM BASA (02) 702-6000 loc. 52971 (02) 702-6000 loc. 52085 (032) 273-6643 to 44, 491-7456, JM Basa St. Iloilo City Fax (032) 255-1515 Fax (032) 343-6532 (02) 702-6000 loc. 52186 (033) 337-1052, 335-0967, 337-0127, Fax (032) 491-7456 (02) 702-6000 loc. 2178 CEBU - FUENTE CEBU - MEZ I I Fax (033) 335-0623 J. Rodriguez St. Fuente Osmeña, Rotonda, Unit 204 NGA Bldg. 2, Pueblo Verde, MEZ II, CEBU BANILAD - TALAMBAN Cebu City Basak, Lapu-lapu City Governor M. Cuenco, Banilad, Cebu City ILOILO - LA PAZ (032) 253-0535, 253-8920, 253-0549 (032) 341-1288, 341-5834, (032) 343-3640, 343-3847, 343-3629, G/F INJAP Building, corner Luna St., & Fax (032) 253-5686 (02) 702-6000 loc. 2839 343-3663, Huervana St., La Paz, Iloilo City Fax (032) 341-5833 (02) 702-6000 loc. 52532 (033) 320-9822, 508-2094, 508-2093 Fax (032) 343-3669 Fax (033) 320-7254

57 We find ways

Branch Directory

ILOILO - LEDESMA - ZAMORA BACOLOD - MANDALAGAN SILAY - FIGUEROA G/F Esther Bldg. Ledesma St. Iloilo City Carlos Chan Bldg. P. Zamora St. G/F Sta. Clara Estate Bldg., Lacson St., Figueroa corner Rizal St., Silay City, (033) 337-8471, 337-8244, 335-0866, Tacloban City Mandalagan, Bacolod City 6116 Negros Occidental (02) 702-6000 loc. 2177 (053) 321-2881, 325-9967, 321-5072, (034) 441-0216, 441-1151, 441-3625, (034) 714-9149, 495-3787, Fax (033) 337-8382 (02) 702-6000 loc. 2099 (02) 702-6000 loc. 2821 (02) 702-6000 loc. 2804 Fax (053) 321-3022 Fax (034) 441-2443 Fax (034) 495-3787 ILOILO - MOLO M. H. Del Pilar St., corner Jocson St., BACOLOD - PLAZA SM CITY BACOLOD Molo, Iloilo City NEGROS OCCIDENTAL Araneta corner Gonzaga St., G/F South Wing Bldg. SM City Bacolod, (033) 336-8950, 336-8951, 6100 Bacolod City, Negros Occidental Poblacion, Reclamation Area, Bacolod City (02) 702-6000 loc. 52083 BACOLOD - ARANETA (034) 434-2751, 434-2752, 434-2753, (034) 468-0139, 468-0140, Fax (033) 336-8949 Cineplex Complex Araneta St. Bacolod City 434-2754, 433-6102, 434-1233, (02) 702-6000 loc. 2196 (034) 433-5754, 433-5610, 432-0978, (02) 702-6000 loc. 2816 Fax (034) 468-0139 ILOILO - QUEZON ST. (02) 702-6000 loc. 2082, 2282 Fax (034) 434-1233 Lots 3 & 5 Quezon St., Iloilo City Fax (034) 435-1809 (033) 335-0594, 335-0595, 335-0597, BACOLOD - ROSARIO LACSON NEGROS ORIENTAL 335-8250, BACOLOD - CAPITOL SHOPPING Lot 296-B-7, Lacson St. corner Rosario St., (02) 702-6000 loc. 2247 Benigno Aquino Drive, Capitol Shopping, Bacolod City, Negros Occidental DUMAGUETE Fax (033) 337-0870 6100 Bacolod City, Negros Occidental (034) 433-7991, 433-7992, 433-7993, Colon St., fronting Bldg. V of City, Public (034) 434-2448, 433-4484, 435-3216, 433-2654, Market, Poblacion 003, Dumaguete City ILOILO - TABUC SUBA 435-3217, 434-9610, 435-3212, (02) 702-6000 loc. 2986 (035) 225-7660, 225-5022, 225-1571, Roger’s Bldg., McArthur Highway, 434-5057, Fax (034) 433-0234 422-7513, 225-4787, Tabuc Suba, Jaro, Iloilo City (02) 702-6000 loc. 2920 (02) 702-6000 loc. 52830 (033) 320-0069, 320-3058, Fax (034) 435-3211, 434-2446 NEGROS OCC. - BINALBAGAN Fax (035) 225-4462 509-4071 Biscom Compound, Binalbagan, Fax (033) 320-9137 BACOLOD - GATUSLAO Negros Occidental ROBINSON’S –DUMAGUETE 26 & 28 Gov. V. Gatuslao St., Bacolod City, (034) 388-8258, 742-8223, Robinson’s Dumaguete, ILOILO - VALERIA Negros Occidental (02) 702-6000 loc. 2697 Dumaguete Business Park, Valeria St., Iloilo City (034) 433-3464, 433-3465, 433-3466, Fax (034) 388-8270 South Road, Calindagan, Dumaguete City (033) 336-4465, 337-9257, 335-1275, 433-2988, (035) 442-5900, 226-2538, 422-5903, 337-9219, (02) 702-6000 loc. 2803 NEGROS OCC. - CADIZ (02) 702-6000 loc. 52535 (02) 702-6000 loc. 2801 Fax (034) 433-3378 Cabahug St., 6121 Cadiz, Fax (035) 421-1728 Fax (033) 336-4467 Negros Occidental BACOLOD - GOLDENFIELD (034) 493-0667, 493-0479, 493-1465, SM CITY ILOILO Goldenfield Commercial Complex, (02) 702-6000 loc. 2818 SAMAR UG/F SM City Iloilo, Benigno Aquino Avenue, Singcang, Araneta St., Bacolod City Fax (034) 493-0510 Mandurriao, Iloilo City (034) 433-0506, 433-0511, 434-3738, SAMAR - (033) 320-9465, 320-9470, 320-9490, 435-1307, NEGROS OCC. - ESCALANTE Del Rosario St. corner Allen Avenue, 320-9433, (02) 702-6000 loc. 2696 National Highway, Escalante City, 6700 Catbalogan, Samar (02) 702-6000 loc. 2078 Fax (034) 435-1495 6124 Negros Occidental (055) 251-5541, 356-1706, 251-5477, Fax (033) 320-9480 (034) 724-7022, 454-0124, (02) 702-6000 loc. 2246 BACOLOD - GONZAGA (02) 702-6000 loc. 2826 Fax (055) 543-9110 SM DELGADO Gonzaga-Lopez Enterprise Bldg. Fax (034) 454-0192 G/F SM Delgado Bldg. Valeria St. Iloilo City Gonzaga St. Bacolod City (033) 337-8973, 337-0854, 337-4931, (034) 434-4964, 433-7910, 434-7097, NEGROS OCC. - HINIGARAN SOUTHERN LEYTE 337-4925, (02) 702-6000 loc. 2072 Aguinaldo corner Rizal St. Hinigaran, (02) 702-6000 loc. 2071 Fax (034) 434-4965 6106 Negros Occidental LEYTE - Fax (033) 335-0394 (034) 740-7384, 391-7795, Tomas Oppus St., 6600 Maasin, BACOLOD - HILADO (02) 702-6000 loc. 2872 Southern Leyte Hilado corner F.Y. Manalo St. Fax (034) 391-7794 (053) 381-2495, 381-2572, 381-2032, LEYTE 6100 Bacolod City, Negros Occidental (02) 702-6000 loc. 2256 (034) 434-7698, 709-0423, 432-3366, NEGROS OCC. - KABANKALAN Fax (053) 570-8585 LEYTE – ORMOC (02) 702-6000 loc. 2987 Guanzon St., Kabankalan, Corner Burgos & Rizal St., Fax (034) 435-1441 6111 Negros Occidental 6541 Ormoc City, Leyte (034) 471-2147, 471-2146, (053) 255-7948, 255-2241, 255-4894, BACOLOD - LACSON (02) 702-6000 loc. 2843 (02) 702-6000 loc. 2865 Lacson corner Galo St., 6100 Bacolod City, Fax (034) 471-2246 Fax (053) 561-9759 Negros Occidental (034) 435-4531, 435-4532, 433-0851, NEGROS OCC. - SAN CARLOS TACLOBAN - JUSTICE ROMUALDEZ (02) 702-6000 loc. 2985 S. Carmona St. corner Rizal St., Philamlife Bldg., Rizal Avenue corner Fax (034) 435-4531 San Carlos City, Negros Occidental P. Burgos St., 6500 Tacloban City (034) 312-5263, 312-5213, 312-5140, (053) 325-5094, 321-2728, 523-8036, BACOLOD - LOPUE’S EAST 729-9581, (02) 702-6000 loc. 2972 Unit 24 & 25 Lopue’s East Center, (02) 702-6000 loc. 2825 Fax (053) 325-6672 Carlos Hilado National Highway, Fax (034) 729-3500 Barangay Villamonte, Bacolod City TACLOBAN - RIZAL AVENUE (034) 432-1580, 433-9077, 434-9319, NEGROS OCC. - VICTORIAS Roqson Bldg., Rizal Avenue corner 494-3554, Osmeña Avenue, Victorias City, P. Burgos St., 6500 Tacloban City, Leyte (02) 702-6000 loc. 2537 Negros Occidental, 6119 (053) 523-0366, 523-8075, 321-4265, Fax (034) 434-9671 (034) 399-3616, 399-3617, (02) 702-6000 loc. 2973 (02) 702-6000 loc. 2817 Fax (053) 523-8075 Fax (034) 399-2746

58 2010 Annual Report

MINDANAO MINDANAO AGUSAN DEL NORTE - J.C. AQUINO AVENUE D & V Plaza II Bldg. J. C. Aquino Avenue, Butuan City 55 Branches 92 ATMs (085) 815-1303, 225-6192, 342-5759, 342-5758, (02) 702-6000 loc. 2200 Fax (085) 342-5758

BUTUAN - MONTILLA Montilla Blvd. near corner Lopez Jaena St., SURIGAO DEL NORTE Butuan City, Agusan Del Norte (085) 815-4430, 815-4431, 341-5240, 342-6033, 342-0548, (02) 702-6000 loc. 2251 AGUSAN DEL NORTE SURIGAO DEL SUR Fax (085) 342-7055

MISAMIS ORIENTAL BUKIDNON

MISAMIS OCCIDENTAL BUKIDNON - VALENCIA LANAO DEL NORTE M.L. Quezon St. corner G. Laviña Avenue, BUKIDNON Valencia City, Bukidnon 8709 ZAMBOANGA DEL NORTE (088) 828-3331, 828-2148, 222-2185, DAVAO DEL NORTE (02) 702-6000 loc. 2249 Fax (088) 828-1311

COTABATO DAVAO ORIENTAL COTABATO MAGUINDANAO COTABATO - KABACAN ZAMBOANGA DEL SUR Rizal Avenue, National Highway, SULTAN KUDARAT 9407 Kabacan, North Cotabato (064) 248-2432, 248-2119, SOUTH COTABATO DAVAO DEL SUR (02) 702-6000 loc. 2263 Fax (064) 248-2118

COTABATO - KIDAPAWAN Quezon Blvd., 9400 Kidapawan, North Cotabato (064) 288-1689, 278-3018, LOCATION BRANCHES ATM (02) 702-6000 loc. 2253 Fax (064) 288-1687 Agusan del Norte 2 3 Bukidnon 1 1 COTABATO - MIDSAYAP Jaycee St., 9410 Midsayap, North Cotabato Cotabato 3 3 (064) 229-7589 to 90, Davao del Norte 1 2 (02) 702-6000 loc. 226 Fax (064) 229-8327 Davao del Sur 18 30 Davao Oriental 1 1 DAVAO DEL NORTE Lanao del Norte 2 4 Maguindanao 1 2 DAVAO - TAGUM 577 Rizal St., 8100 Tagum, Davao Del Norte Misamis Occidental 2 3 0 (084) 218-4961, 217-3664, 217-3469, (02) 702-6000 loc. 2846 Misamis Oriental 10 19 Fax (084) 217-3664 South Cotabato 5 12 Sultan Kudarat 2 2 DAVAO DEL SUR Surigao del Norte 1 2 DAVAO - AGDAO Zamboanga del Norte 1 2 Lapu-lapu St., 8000 Agdao, Davao City Zamboanga del Sur 5 6 (082) 222-3698, 221-6205, (02) 702-6000 loc. 2941 Fax (082) 300-3024

*As of March 2011

59 We find ways

Branch Directory

DAVAO - BANGOY DAVAO - NARRA ILIGAN - QUEZON AVENUE CAGAYAN DE ORO - OSMEÑA R. Magsaysay Avenue corner C. Bangoy St., Tomas Monteverde Avenue corner Quezon Avenue, 9200 Iligan City, Pres. S. Osmeña corner Ramon Chavez St., 8000 Davao City Narra St., Davao City Lanao Del Norte Cogon, 9000 Cagayan de Oro, (082) 330-7161, 221-4480, 227-2113, (082) 222-5346, 222-5589, 222-4547, (063) 221-6545, 223-5133, Misamis Oriental 227-2802, 222-1360, 221-3685, (088) 856-3727 to 28, (0822) 724-567, (02) 702-6000 loc. 2928 (02) 702-6000 loc. 2297 (02) 702-6000 loc. 2879 (02) 702-6000 loc. 2262 Fax (082) 221-1251, Fax (082) 222-1360 Fax (063) 221-6545 Fax (088) 856-5702 (02) 840-7329 loc. 018 DAVAO - QUIRINO AVENUE CAGAYAN DE ORO - R.N. PELAEZ BLVD. DAVAO - BUHANGIN Nicolas I Bldg., Quirino Avenue, MAGUINDANAO Georgetown Cyber Mall, Carlos P. Garcia Highway, 8000 Davao City Rodolfo N. Pelaez Blvd., Kauswagan, Buhangin Diversion Road, Davao City (082) 224-5968, 221-4951, 305-5804, COTABATO - MAKAKUA Cagayan de Oro City (082) 241-2572, 241-0867, 241-2165, 221-4365, Makakua St., 9600 Cotabato City, (088) 856-2617, 856-4013, (02) 702-6000 loc. 2295 (02) 702-6000 loc. 2942 Maguindanao (08822) 729-052, Fax (082) 241-2165 Fax (082) 221-4365, 221-4951 (064) 421-4934, 421-4980, 421-2069, (02) 702-6000 loc. 2534 421-5233, Fax (088) 856-4067 DAVAO - C. M. RECTO DAVAO - RIZAL (02) 702-6000 loc. 2260 383 Claro M. Recto St., Davao City Caritas Bldg. Rizal St. corner Fax (064)421-2713 CAGAYAN DE ORO - VELEZ (082) 224-0821, 221-0671, 227-8591, Pelayo St., Davao City Velez Road corner Abejuela St, 226-3703, (082) 221-9528, 221-9253, 221-9598, Cagayan de Oro (02) 702-6000 loc. 2943 (02) 702-6000 loc. 2294 MISAMIS OCCIDENTAL (088) 857-2075, 857-1943, Fax (082) 226-3147 Fax (082) 221-9437 (08842) 729-360, 723-745, MISAMIS OCC. - OROQUIETA (02) 702-6000 loc. 2936 DAVAO - CLAVERIA DAVAO - SAN PEDRO Mayor A. Enerio St., Oroquieta City, Fax (088) 856-4792 CM Recto Avenue, Davao City G/F KDC Bldg. San Pedro St., 7207 Misamis Occidental (082) 227-8384, 226-3706 Davao City, Davao del Sur (088) 531-2171, 531-1121, 531-1122, CAGAYAN DE ORO - XAVIER Fax (082) 226-3697 (082) 221-8221, 227-1251, 305-5805, (02) 702-6000 loc. 2258 Library Annex Bldg. Corrales Avenue, (02) 702-6000 loc. 2927 Fax (088) 531-1532 Cagayan de Oro City DAVAO - DIGOS Fax (082) 221-8186 (088) 857-3796, 857-4108, Rizal Avenue, Zone II, Digos, Davao Del Sur OZAMIZ (08822) 729-423, 725-471, (082) 553-7439, 553-4764, 553-2931, DAVAO - STA. ANA Cebedo St. corner Gallardo St. Centro, (02) 702-6000 loc. 2176 (02) 702-6000 loc. 2844 Monteverde corner F. Bangoy St., Ozamiz City, Misamis Occidental Fax (088) 857-3700 Fax (082) 553-4764 8000 Davao City, Davao del Sur (088) 521-2969, 521-0039, (082) 221-0314, 221-4746, 227-4638, (02) 702-6000 loc. 2917 MISAMIS ORIENTAL - GINGOOG DAVAO - JP LAUREL 305-5810, Fax (088) 521-1529 National Highway, Gingoog City, Landco-PDCP Corporate Center, (02) 702-6000 loc. 2939 Misamis Oriental JP Laurel Avenue, Bajada, Davao City Fax (082) 226-3690 (088) 861-0201, 427-313, (082) 221-4553, 221-4556, 222-2198, MISAMIS ORIENTAL 427-595, 227-1698, DAVAO - TORIL (02)702-6000 loc. 2250 (02) 702-6000 loc. 2173 Agton St., Toril, Davao City CAGAYAN DE ORO - CARMEN Fax (088) 861-0460 Fax (082) 221-4557 (082) 291-2278, 301-0107, 291-2276, Max Y. Suniel St. corner V. Neri St., (02) 702-6000 loc. 2940 Carmen, Cagayan de Oro SM CITY CAGAYAN DE ORO DAVAO - LANANG Fax (082) 291-2276 (08822) 723-676, 722-660, G/F SM City Cagayan de Oro, SJRDC Bldg. Insular Village 1 (088) 858-1133, Pueblo de Oro Business Park, Commercial Area, Lanang, Davao City SM CITY DAVAO (02) 702-6000 loc. 2259 Upper Canituan, (082) 234-4412, 234-2414, 234-6723, UG/F SM City Davao, Barangay Matina, Fax (088) 858-1113 Cagayan de Oro, Misamis Oriental (02) 702-6000 loc. 2244 Davao City (088) 859-2632, 859-2633, 859-2637, Fax (082)234-5760 (082) 298-4766, 297-4341, 299-2618, CAGAYAN DE ORO - COGON (02) 702-6000 loc. 2087 299-2921, J. R. Borja St. Cogon, Cagayan de Oro City Fax (088) 859-2634 DAVAO - LIZADA (02) 702-6000 loc. 2086 (088) 857-7960, 857-7961, 857-7962, Ramon Magsaysay Avenue corner Fax (082) 299-2730 857-7964, Lizada St., 8000 Davao City, Davao del Sur (08822) 725-203, 725-269, 725-249, SOUTH COTABATO (082) 222-0071, 221-0126, (02) 702-6000 loc. 2191 (02) 702-6000 loc. 2926 DAVAO ORIENTAL Fax (088) 857-7963 GENERAL SANTOS Fax (082) 224-4193 Santiago Blvd. corner JP Laurel St., DAVAO - MATI CAGAYAN DE ORO - HAYES Gen. Santos City DAVAO - MAGSAYSAY Rizal corner Mabini St., 8200 Mati, G/F Trendline Dept. Store., (083) 553-3874, 553-3875, Ramon Magsaysay Avenue, Davao City Davao Oriental Arch. James Hayes St., Cogon, (02) 702-6000 loc. 2175 (082) 226-3868, 221-6964, (087) 388-3336, 388-3219, Cagayan de Oro City Fax (083) 553-3877 (02) 702-6000 loc. 2174 (02) 702-6000 loc. 2867 (08822) 727-405, 727-407, 727-408 Fax (082) 221-6963 Fax (087) 388-3336 Fax (088) 857-8324 GENERAL SANTOS - PENDATUN G/F Sydney Hotel, corner Pioneer and DAVAO - MONTEVERDE CAGAYAN DE ORO - LAPASAN Pendatun Avenue, G/F Sequoia Inn, Monteverde Avenue, LANAO DEL NORTE C.M. Recto Highway, Lapasan, General Santos City 9500 Davao City 9000 Cagayan de Oro City, (083) 302-4128, 302-3179, 552-2062, (082) 225-4345, 225-4346, 225-4348, ILIGAN - DEL PILAR Misamis Oriental (02) 702-6000 loc. 2930 (02) 702-6000 loc. 2187, 2188 BC Labao corner Del Pilar St., Iligan City (088) 856-3233, 856-3234, 856-3235, Fax (083) 302-3180 Fax (082) 225-4347 (063) 223-9449, 223-9450, 223-9446, (08822) 728-926, 725-253, 223-9447, (02) 702-6000 loc. 2261 GENERAL SANTOS - PIONEER (02) 702-6000 loc. 2180 Fax (088) 856-3234 National Highway corner Roxas Avenue, Fax (063) 223-9450 9500 Gen. Santos City, South Cotabato (083) 552-2241, 552-2242, 302-1690, (02) 702-6000 loc. 2868 Fax (083) 301-0226

60 2010 Annual Report

GENERAL SANTOS - SANTIAGO ST. ZAMBOANGA - IPIL Ireneo Santiago Blvd., National Highway, Ipil, FOREIGN BRANCH 9500 General Santos St., South Cotabato 7001 Zamboanga Del Sur (083) 302-4269, 552-2146, 551-2404, (062) 333-2280, 333-5356, HONG KONG (02) 702-6000 loc. 2916 (02) 702-6000 loc. 2859 Ground Floor, Euro Trade Centre Fax (083) 301-9329 Fax (062) 333-2380 13-14 Connaught Road Central, Central, Hong Kong SOUTH COTABATO - KORONADAL ZAMBOANGA - MAJOR JALDON (852) 2901-0203, 2901-0220 R. Alunan Avenue corner Osmeña St., Mayor Jaldon Avenue, Barangay Canelar, Fax (852) 2869-8677 9506 Koronadal, South Cotabato Zamboanga City (083) 228-2541, 228-2219, 228-2323, (062) 991-0924, 992-3892, 992-3889, (02) 702-6000 loc. 2866 (02) 702-6000 loc. 2845 Fax (083) 228-2219 Fax (062) 991-1121

ZAMBOANGA - RIZAL ST. SULTAN KUDARAT Rizal St., Zamboanga City, 7000 Zamboanga Del Sur SULTAN KUDARAT - ISULAN (062) 993-2390, 991-1476, 991-4804, #075 National Highway, Kalawag 2, 991-7298, Isulan, Sultan Kudarat (02) 702-6000 loc. 2780 (064) 201-3247, 471-0026, Fax (062) 993-2390 (02) 702-6000 loc. 2254 Fax (064) 471-0015

SULTAN KUDARAT - TACURONG Alunan Highway, 9800 Tacurong, Sultan Kudarat (064) 477-0055, 477-0207, 200-3035, 200-3134, (02) 702-6000 loc. 2880 Fax (064) 200-3035 SURIGAO DEL NORTE

SURIGAO Magallanes corner San Nicolas St., 8400 Surigao City (086) 231-7226, 231-7270, 826-3425, 826-0293, (02) 702-6000 loc. 2252 Fax (086) 826-0339

ZAMBOANGA DEL NORTE

DIPOLOG Quezon Avenue, 7100 Dipolog City, Zamboanga Del Norte (065) 212-6253, 212-2341, 212-8162, 212-2339, (02) 702-6000 loc. 2873 Fax (065) 212-2339

ZAMBOANGA DEL SUR

PAGADIAN F.S. Pajares Avenue, Pagadian City, 7016 Zamboanga Del Sur (062) 214-1744, 214-1745, 214-4839, (02) 702-6000 loc. 2869 Fax (062) 214-1744

ZAMBOANGA Grand Astoria Hotel Annex Bldg. M. D. Jaldon St. Zamboanga City (062) 991-1542, 992-0341, 991-7751, (02) 702-6000 loc. 2179 Fax (062) 991-3217

61 We find ways

COMPANY HEADQUARTERS Banco De Oro Unibank, Inc. BDO Corporate Center 7899 Makati Avenue, Makati City 0726, Philippines

STOCKHOLDER INQUIRIES Banco De Oro Unibank, Inc.’s common stock is listed and traded in the Philippine Stock Exchange under the symbol “BDO”.

Inquiries regarding dividend payments, account status, address changes, stock certificates, and other pertinent matters should be addressed to the company’s transfer agent:

Stock Transfer Service, Inc. 34th Floor, Unit D, Rufino Pacific Tower 6784 Ayala Ave., Makati City, 1200 Philippines Tel. (+632) 403-2410 to 12 Fax (+632) 403-2414

The Bank will provide without charge a copy of the 2010 Annual Report Financial Statements to its stockholders upon receipt of a written request addressed to the Corporate Secretary 14th Floor, North Tower, BDO Corporate Center 7899 Makati Avenue, Makati City 0726, Philippines.

INVESTOR INQUIRIES Banco De Oro Unibank, Inc. welcomes inquiries from analysts, investors and the financial community. Please visit www.bdo.com.ph or contact: BDO Investor Relations & Corporate Planning 4th Floor, South Tower, BDO Corporate Center 7899 Makati Avenue, Makati City 0726, Philippines Tel. (+632) 840-7000 local 6069 or 4809 Email: [email protected]