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2010 BDO Annual Report

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2010 BDO Annual Report We find ways® BDO Corporate Center 7899 Makati Avenue, Makati City Tel. 840-7000 www.bdo.com.ph 2010 ANNUAL REPORT Production Corporate Affairs, BDO Marketing Communications Design and Concept Xpress Media Philippines, 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, Banco De Oro 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 universal bank. 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. 2 2010 Annual Report 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. 4 2010 Annual Report 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.
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