2009 ANNUAL REPORT CONTENTS
3 Financial Highlights 4 Message from the Chairman Emeritus 6 Message from the Chairperson 8 Message from the President 10 Review of 2009 Operations Economic Environment Operational Highlights 28 Accolades 30 Board of Directors 34 Corporate Governance 36 Statement of Management’s Responsibility for Financial Statements 37 Report of Independent Auditors 38 Statements of Financial Position 39 Statements of Income 40 Management Directory 46 Products and Services 48 BDO Group of Companies 49 International Remittance Offices 50 Branch Directory
BUILDING FOR THE FUTURE
The year 2009 was both a challenging and a rewarding year for Banco De Oro Unibank. It was a period of challenges for the BDO Group as the lingering effects of the 2008 global financial crisis told on the country’s economic performance and gnawed at business confidence. It was a difficult time for business and industry but the Group, exhibiting great resiliency and financial strength, ably cleared the hurdles by taking the right strategies that included the offering of more build-to-suit financial products and continued expansion of the branch network, thus, increasing further the client base.
2009 was also a rewarding year for Banco De Oro Unibank. Despite the hard times, the Group’s performance exceeded expectations with its better-than-industry results for growth and income generated. Its market share continued to expand and its hold on being the market leader in terms of total assets, customer loans, deposits and assets under management has solidified even more. CORPORATE PROFILE
The product of a merger heralded as unprecedented in size and scale in the Philippine banking industry, Banco De Oro Unibank (BDO) today represents a firm consolidation of distinct strengths and advantages built over the years by the entities behind its history. More importantly, BDO is an institution that does more than honor its past, it continues to improve on its present, and moves with innovation and dynamism toward an even stronger future.
BDO’s reputation as a full-service universal bank remains as formidable as ever. It has the caliber and the muscle to provide industry-leading corporate, retail, investment banking and insurance services. It maintains its strategic focus on its principal markets, notably the corporate market, the middle- market banking segment – consisting of mid-sized corporations and small and medium-sized enterprises – and the retail / consumer market. Moreover, it has complimented this base with expertise in asset management, leasing and finance, remittances, bancassurance, credit cards, corporate cash management, trust, and treasury. Its institutional strengths and value-added products and services hold the key to its successful business relationships with customers. Through selective acquisitions and organic growth, BDO is positioning for growth and continued expansion into new markets. CORPORATE MISSION
To be the preferred bank in every market we serve by consistently providing innovative products and flawless delivery of services, proactively reinventing ourselves to meet market demands, creating shareholders value through superior returns, cultivating in our people a sense of pride and ownership, and striving to be always better than what we are today…tomorrow.
CORE VALUES
Commitment to Customers We are committed to deliver products and services that surpass customer expectations in value and every aspect of customer service, while remaining to be prudent and trustworthy stewards of their wealth.
Commitment to a Dynamic and Efficient Organization We are committed to creating an organization that is flexible, responds to change and encourages innovation and creativity. We are committed to the process of continuous improvements in everything we do.
Commitment to Employees We are committed to our employees’ growth and development and we will nurture them in an environment where excellence, integrity, teamwork, professionalism and performance are valued above all else.
Commitment to Shareholders We are committed to provide our shareholders with superior returns over the long term. FINANCIAL HIGHLIGHTS
In Billion Pesos 2009 2008 % Change Resources 862.0 802.0 7% Gross Customer Loans 472.7 392.8 20% Deposit Liabilities 694.7 636.8 9% Capital Funds 67.9 57.8 18% Net Income* 6.0 2.2 177%
*Attributable to Shareholders of the Parent Bank BDO ANNUAL REPORT 2009
Resources Gross Customer Loans Deposit Liabilities (in Billion Pesos) (in Billion Pesos) (in Billion Pesos)
1,000 500 473 800 862 695 802 393 700 800 400 637 600 629 617 297 446 600 300 500 470 258 400 03 400 200 300 234
200 160 200 100 84 100 0 0 0 05 06 07 08 09 05 06 07 08 09 05 06 07 08 09
Capital Funds Net Income (in Billion Pesos) (in Billion Pesos)
80 8.0 70 68
7.0 6.5 6.4 60 6.0 60 58 6.0 52 50 5.0 40 4.0 30 3.0 2.6 2.2 20 20 2.0 10 1.0 0 0 05 06 07 08 09 05 06 07 08 09 “Looking ahead, BDO ANNUAL REPORT 2009 I am optimistic about the future of BDO. It is a long- term player, and will continue to create 04 sustainable value for its shareholders.”
Henry Sy, Sr.
In the late 1970s, the Bank, then known as Banco De Oro, was conceived and founded on a business philosophy focused on nurturing the entrepreneurial spirit of small and medium-sized companies and assisting them in turning their business aspirations into reality. MESSAGE FROM THE CHAIRMAN EMERITUS
prestigious financial publications and institutions who have bestowed We made available the necessary financial us various awards of excellence. capital to those who had sound business BDO ANNUAL REPORT 2009 I would like to express my ideas but were short on funds required to gratitude to all our employees for implement these. their relentless efforts in making BDO the leader in the Philippine banking industry. I would also While we are still focused on like to thank our investors, valued this market, the Bank has since clients, and shareholders for their 05 evolved to serve a wide array of continued support for our Bank. market segments including the large corporate market, to offer an Looking ahead, I am optimistic array of financial solutions to meet about the future of BDO. It is a today’s increasingly sophisticated long-term player, and will continue financial requirements. to create sustainable value for its shareholders. Through constant innovation, cutting edge technology, and dynamic management, BDO continues to drive the organization’s growth and create economic value that benefits all shareholders. We are honored and pleased that the Bank’s efforts and achievements have been recognized by several “...we would like to convey to our
BDO ANNUAL REPORT 2009 shareholders our determination to continue to turn every opportunity into ways to improve shareholder value for 06 them.”
Teresita T. Sy
In 2009, BDO emerged as an energized force in the banking industry. We corrected the flaws of 2008 brought about by the global crisis and focused on prudent management and the creative use of opportunities. With these, our financial performance this past year had improved significantly. MESSAGE FROM THE CHAIRPERSON
from the voluntary work of our employees as well. The Bank also supported the microfinance program of the Center for Agriculture and Rural Development (CARD) bank, while our officers and staff contributed their time and expertise While the global financial instability kept acting as resource speakers in the Center’s us on the alert throughout the year, it did training programs. not detract us from continuing to invest I am happy that our efforts have been recognized in initiatives to improve our service and by prestigious organizations and international BDO ANNUAL REPORT 2009 delivery channels to help us better serve publications. The Asian Wall Street Journal cited our clients. BDO as One of Asia’s 200 Most Admired Firms. Euromoney named us the Best Local Private Bank in the Philippines. Finance Asia awarded us as Our investments in new infrastructure, IT, the Top Bank in the Philippines’ Best Managed and human resources have enhanced our Companies, Best Investment House, Best Equity organization’s ability to deliver better results. House and Best Private Bank. More recently, BDO 07 was cited by Asiamoney as the Best Domestic Post integration, we focused on maximizing the Provider of FX Services in the Philippines and the synergy from the Bank’s merger. This synergy Bangko Sentral ng Pilipinas gave us an award as has resulted in the wide distribution reach of the Top Remittance Bank. our business units, as well as in the expanded array of products we carry which leveraged our The Bank is optimistic about the growth cross-selling activities across investment banking, potential ahead and we would like to convey to corporate banking, and consumer banking. our shareholders our determination to continue We have likewise been able to provide a broader to turn every opportunity into ways to improve menu of delivery channels and convenience shareholder value for them. features. The collective efforts of our officers and staff We have also been active in our Corporate Social have made it possible for us to undertake the Responsibility (CSR) programs, with both the challenges of the past year. I have seen their hard company and the employees working hand in work, unwavering commitment and team spirit. hand to do their share of social responsibility. My thanks to them, the board members and At the height of the destruction of typhoon the board advisers for the guidance they have Ondoy, the Bank donated P10 million to help provided the Bank. I would also like to express the victims while our employees and clients our appreciation to our shareholders for the donated close to P5 million intended for the support they have given us, and to our clients for rebuilding funds. One of the beneficiaries of their continued trust and confidence. As ever, we our CSR programs was Gawad Kalinga which remain steadfast in our commitment to finding received a P2-million donation and benefited more ways to serve them better. BDO ANNUAL REPORT 2009 “Our franchise is capable of a lot more, and with your continued support, I am sure our best years are 08 yet to come.”
Nestor V. Tan
The events of 2009 can be best described as a tale of two semesters. The first half of the year was a period of caution and uncertainty as we all try to cope with the effects of the crisis the year before. MESSAGE FROM THE PRESIDENT
underlying performance was just as strong with net interest income increasing by 33% and non- interest income expanding by 13%. Margins, earning asset levels, as well as asset mix continue to improve. More importantly, we are now less Business was at best tentative and reliant on trading gains as a driver of profit. Our banks were all watching their liquidity asset quality remains one of the strongest in the industry, with non-performing loans declining and asset quality closely. year on year to 3.2% from 4%. We have also set aside adequate provisions to cover up to 80% BDO ANNUAL REPORT 2009 our non-performing loans. Our balance sheet remains solid and generating a more sustainable The second half, however, was a period of and diversified earnings stream. recovery and normalization. Despite two devastating typhoons, business activity gradually We also invested heavily on our operating and picked up as well as lending activity. Banks, IT infrastructure. Coming out of the merger, we however, now face the strategic challenge of the had to step back and review whether our existing operations can support our business ambitions. new economic order in an increasing interest rate 09 environment. We had to make upgrades when necessary. Now, we have the right scale and capacity across I am happy to report though that through these all of our business lines to cope with future difficult times, BDO performed relatively well, growth. These investments are now behind us a testament to the Bank’s balance sheet strength, and we should see our cost base stabilizing going resiliency and quality of franchise. Market forward. Truly, we are building for the future share steadily improved as the Bank ended up as and the foundations of our organization are now beneficiaries of the customers’ flight to quality. in place. BDO maintained its industry leadership in terms of total assets, customer loans, deposits ‘Good but not yet excellent’ is how I would and assets under management. As business describe BDO’s performance for 2009. Our normalized in the second half, the Bank’s franchise is capable of a lot more, and with your underlying business strength started to manifest continued support, I am sure our best years are itself, outperforming the market in growth and yet to come. In the meantime, we need to keep income. Our emphasis on basic lending, deposit- the momentum of the second half of the year taking and service activities are now driving going into 2010. income growth in a largely lethargic market. Indeed, in trying times BDO is showing its As always, we thank you for your continued resiliency and financial strength. support and trust.
Financially, we recorded P6.0 billion of net income, 177% above 2008 levels. The REVIEW OF 2009 OPERATIONS Economic Environment BDO ANNUAL REPORT 2009
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The Philippine economy averted a recession by posting a 0.9% rise in GDP in 2009, slower than the 3.8% growth in 2008.
Seasonal demand, rebuilding activities from Overseas Filipino Workers (OFW) income flows typhoons “Ondoy” and “Pepeng”, and nascent on the sustained growth in deployment levels, signs of a global recovery helped boost the economy the geographic dispersal of overseas Filipinos, as which had stagnated in the first nine months due well as the rising number of highly-skilled and to a record contraction in exports and a slump in better paid professionals employed in recession- investments. Meanwhile, the continued increase in proof jobs overseas. The Business Process net factor income from abroad lifted GNP growth Outsourcing (BPOs) industry also supported to 3.0% in 2009, a deceleration from 6.2% in 2008. growth in consumption spending through job creation and income generation. Domestic demand was the main growth driver in 2009, a key positive that set the country apart Meanwhile, the government accelerated its from other export-dependent economies. Private expenditures by 8.5% in 2009 to pump-prime consumption, which drives 80% of total GDP, the economy through accelerated infrastructure increased by 3.8% year-on-year driven by strong spending and legislated tax breaks for wage REVIEW OF 2009 OPERATIONS Economic Environment
earners and salaried workers. This fiscal stimulus INTEREST RATES was supplemented by the Bangko Sentral’s accommodative monetary policy through cuts The benchmark 91-day Treasury Bill rate eased in reserve requirements and rediscount rates, an from 4.6% at the start of the year to 3.9% at 11 increase in the rediscounting facility, and a 200 basis the last auction in December to average 120 bps points reduction in its key policy rates. In turn, the lower at 4.2% in 2009 from 5.4% the previous domestic banking system played a key role in the year. Subdued inflation, ample system liquidity, economic recovery as it continued to perform its and the government’s comfortable cash position normal functions of extending loans, facilitating as it successfully raised $3.25 billion from bond deposits and OFW transactions, among others, at issuances contributed to the decline in interest a time when banking systems of other countries rates last year. As well, global monetary easing held back lending activities. Vital reforms in risk led by the US Fed staying its Funds Rate at near- management, corporate governance, and asset clean- zero level provided the BSP enough flexibility to up, already in place even before the crisis struck, pursue its accommodative policy by lowering its allowed local banks to still do well despite the overnight borrowing and lending rates by challenging operating environment. 200 bps to 4% and 6%, respectively.
On the production side, services which accounted FOREIGN EXCHANGE for 50% of GDP went up by 3.2% year-on-year on solid contributions from trade, finance, as well Uncertainty, volatility, and a cautious investor as private and government services. The industry sentiment continued to unnerve currency sector fell by 2.0% year-on-year as manufacturing markets as the brunt of the global crisis unraveled absorbed the brunt of the export slump; meanwhile, in 2009. The peso was not spared as the average agricultural output growth was held down to 0.1% foreign exchange rate weakened to P47.64 in as typhoons “Ondoy” and “Pepeng”, which hit the 2009 from P44.47 in 2008. Nevertheless, the country in the latter part of the year, told on overall more-than-the-usual surge in OFW remittances performance. in the fourth quarter 2009 apparently intended REVIEW OF 2009 OPERATIONS Economic Environment BDO ANNUAL REPORT 2009
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to assist OFW families affected by the typhoons FISCAL PERFORMANCE pushed the peso higher to P46.36 by end-2009 from P47.48 at end-2008. The government incurred a record budget deficit of P298 billion (-3.9 % of GDP) in INFLATION 2009, surpassing the P68 billion deficit in 2008 and the P250 billion deficit target for the year. Economic slack and base effects tamed the growth Government ramped up its expenditures to in consumer prices in 2009. From a high of 7.1% in keep the economy afloat amid the worst global January 2009, headline inflation trekked downward recession in recent history. Unfortunately, until it hit bottom at a 22-year low of 0.1% in August. however, revenues fell short of target due to However, disruptions in food supplies and distribution the combined impact of revenue-eroding due to the successive typhoons that struck the country measures, weak economic growth, and record in the latter part of the year caused headline inflation import contraction. Poor market conditions and to resume its upward trek in the succeeding months, unresolved issues also affected the government’s hitting 4.4% in December 2009. Prices would have ability to successfully sell its assets, generating gone up faster had the government not set price only P1.1 billion versus the target P30 billion for ceilings on certain consumer basket commodities. 2009. The augmentation of goods in short supply via imports also helped temper price movements last year. Consequently, the average inflation rate settled at 3.2% in 2009 from 9.3% in 2008. REVIEW OF 2009 OPERATIONS Operational Highlights
Having completed the operational integration process of the merged BDO-EPCIBank in 2008, Banco De Oro Unibank, Inc. faced 2009 in a better 13 position to operate in an environment of lingering uncertainty and market weakness.
The completion of the integration process set units likewise contributed to the Bank’s solid the stage for the seamless operation of BDO as performance in 2009. one merged entity, allowing it to harness its huge resources to pursue its growth targets in 2009. The market path that BDO took, the expansionary INTERMEDIATION ACTIVITIES strategies and business decisions it made at a time when the market was hesitant to expand, served • Business Lending the Bank well. Rather than be daunted by the prevailing market gloom, BDO chose to build. Despite the extended effects of the 2008 global financial crisis, the Institutional Banking Group The returns were rewarding for BDO. The Bank (IBG) loan portfolio achieved double-digit posted an audited net income of P6.0 billion in growth rates. IBG took advantage of business 2009, exceeding its P5.5 billion target for the year opportunities to increase loan bookings for both and surpassing the P2.2 billion net income for working capital and project/structured finance 2008 by 177%. loans. Trade-related loans exposure declined given the drop in the country’s import and export The Bank’s operating units generally turned volumes. Still, Net Interest Income (NII) improved in impressive achievements, while the support dramatically, fuelled by stable margins and higher REVIEW OF 2009 OPERATIONS Operational Highlights
loan figures. Despite the loan growth, the Bank’s 5%, CLG’s Auto Loans business grew by a hefty asset quality remained sound as the Bank adjusted 28%. CLG’s long-term strategy of expanding its risk management processes even before the geographically allowed it to tap the auto loans crisis struck. market in the provinces.
The Group expects 2010 volume to continue to The Home Loans business likewise rose by an expand as the global economic recovery deepens impressive 36% as the Group continued to and trade numbers improve. While interest bring in business via BDO’s highly supportive spreads will likely be lower this year due to intense branch network and strong partnerships with competition, NII is still envisioned to register a key developers and brokers; meanwhile, property healthy growth. sector/end-user demand remained resilient, supported by the steady growth in non-US BDO ANNUAL REPORT 2009 Staying pro-active to market needs, BDO Leasing Overseas Filipino Workers remittances. and Finance (BDO Leasing) turned in a solid performance in 2009 despite the economic The Group launched in 2009 its Business Mortgage slowdown. Using a strategy of aligning its Loans, a new product packaged especially for Small customer and product priorities with market & Medium Enterprises to address their flexible requirements, BDO Leasing was able to enhance requirements for financing. The market’s response its strong market presence on corporate clients by has been very encouraging as bookings exceeded shifting its product focus on operating leases. It its initial projections by 137% and are expected to 14 ended 2009 strongly with a total financing income grow exponentially in 2010. of P2.0 billion, a significant increase of 57% from the 2008 level. Also, the ratio of rent revenue Its Credit Cards-Issuing business reached almost to total financing income more than doubled to 1 million cards by year-end. A significant 57% from 20% the previous year. It posted a net development for the business was the launching income of P300 million in 2009 notwithstanding of its co-brand tie-up with Amex Cathay Pacific, the pressure on net margins attributable to stiff which further strengthened its hold on the elite competition and the shift in market strategy. Were card market after the acquisition of the American it not for the one-off adjustments in depreciation Express portfolio two years ago. and a more conservative provisioning, net income would have been at par with net earnings in 2008. Meanwhile, Credit Card Receivables posted a double-digit expansion versus industry’s 6%, • Consumer Lending boosting the Bank’s industry ranking a notch higher to second place in 2009. As well, gross As in the previous year, the Consumer Lending billings posted steady growth last year. Group (CLG) sprinted ahead by another 30% in 2009 as it launched satellite offices in growth The Bank continued to be the market leader in the areas to grow the business while leveraging on highly competitive Merchant Acquiring Business. the Bank’s large branch network to cover more It expects to keep on expanding its reach in 2010 provincial areas. Provincial areas now contribute a as well as maintain its synergistic partnership with significant share to total consumer loans, thereby SM Malls. effectively diversifying the Group’s loan portfolio risk. For 2010, CLG expects the secured loan segment to continue growing, given the much improved Amidst a very competitive environment in economic outlook. For unsecured loans, growth 2009 and the car industry’s sales growth of only is expected to come from Personal Loans as CLG REVIEW OF 2009 OPERATIONS Operational Highlights
introduced a new application and behavioral score • Treasury that will enable the business to expand its sales reach without sacrificing credit quality. Credit card With the global financial markets showing signs spending is also expected to go up further as CLG of recovery in 2009 on easing credit concerns and introduces more attractive market offerings tailor- supportive monetary policies, BDO remained at fit to please our customers. the forefront, recognizing and taking advantage of business opportunities. Tactical asset allocation • Branch Banking and prudent management of its investment portfolio generated strong earnings and asset Consistent with the Bank’s strategy to reach new growth last year. Trading gains improved by markets and to serve the banking public better, 120% over previous year’s performance, while the the Branch Banking Group (BBG) continued to overall income contribution of the Group jumped expand in 2009. From 664 branches in 2008, significantly by 473% over 2008 results. BDO ANNUAL REPORT 2009 the network has grown to 685 in 2009. This was achieved with new branch openings in strategic Working in synergy with the other Groups, areas to maximize the Bank’s presence and further the Treasury Group turned in a remarkable widen its reach. BBG also configured its branches performance to help maintain the Bank’s strong to make it blend smoothly into the market with its financial position with market leadership and extended banking days and hours. The expanded sustainability of earnings growth in mind. The network allowed the Bank to post robust growth Group continued to be among the top three best in low-cost deposits that resulted in lower funding performing Government Securities Eligible Dealer in 15 costs for the Bank. Primary and Secondary Markets and was one of the most active participants in the Philippine Dealing To maintain the same franchise look and feel, System Market in 2009. Asiamoney FX Poll cited renovation work on existing branches continued BDO as the Best Domestic Provider of FX Services all over the country. This enabled clients to for the third consecutive year while Asiamoney experience BDO’s trademark banking ambience Structured Products Poll recognized the Bank and convenience wherever and whenever they visit as the Best Domestic Provider for Local Currency a BDO branch. Branch accessibility was enhanced Products. even further with BDO’s acquisition of GE Money Bank, the latest addition to BDO’s ever growing The Treasury Group’s acknowledged financial branch network. The additional branches further expertise received another boost when the Bangko expanded its reach and boosted deposit generation Sentral ng Pilipinas granted a Derivatives License and cross selling activities. Since the merger in to BDO last year. This allowed the Bank to offer 2007, deposits have increased by an average of more products suitable to the needs and risk 16%. profile of its clients. Adding more value to its wide array of financial products and services, the Bank The Bank institutionalized its “We Find Ways” also conducted economic briefings and forums in campaign by instilling its core values of Customer its regional centers to increase client awareness of Focus, Out-of the-Box Thinking, Right Attitude prevailing financial market conditions. and Excellent Execution throughout the organization. In breathing life to this campaign, The Treasury Group remains committed to the branches stood at the forefront with its strong maintaining its market lead in foreign exchange service culture and continued commitment to find and fixed income markets supportive of sustainable ways to serve clients in the best possible way. bottom line objectives for the Bank. REVIEW OF 2009 OPERATIONS Operational Highlights BDO ANNUAL REPORT 2009
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SERVICE-BASED ACTIVITIES trading and portfolio management were observed, while established operating processes, compliance • Trust and Investments policies, and risk management practices were implemented. The training of its marketing team The economic slowdown notwithstanding, 2009 and the branches were also ensured. continued to be a banner year for BDO Trust and Investments Group (BDO Trust). Assets under To best serve its clients, BDO Trust offers a management grew by 35% to P457 billion and complete range of trust and investment products generated P1.2 billion in revenues. As a result, and services to suit varying customers’ needs. It it garnered 26% share of the domestic trust has a good mix of ready-made and customized business. This impressive growth resulted from investment products, as well as specialized trust the orchestrated efforts of the different units of services targeting both personal and institutional BDO Trust aimed at delivering products and businesses. services that ably address the needs and risk-return expectations of its clients. These efforts centered on For the ready-made products, BDO Trust retained correctly matching the different trust products and its dominant position in the Unit Investment Trust services with investors’ profile while continuously Fund (UITF) product category in the local trust creating / upgrading products. Systems and industry. BDO Trust has six peso and three dollar methods were improved and best practices in denominated UITFs retailed at the branch level, each fund having its own investment objectives BDO ANNUAL REPORT 2009 17 Operational Highlights Operational REVIEW OPERATIONS OF 2009 BDO Private Bank’s business development business development Bank’s BDO Private needs of its the addressing strategies focused on products investment value for high target market platform, services an open architecture through for pockets of savings them to create that allow the inventoryspecific purposes, and consolidation the for bespoke structures of assets, and efficient to designated beneficiaries. distribution of assets P33 billion resulted in the This strategic focus in Assets growth or 45% year-on-year increase to P105 billion. Management Under continued to gain recognition Bank BDO Private two for its consistent exemplary performance. For it was named Best years, consecutive Wealth Private Alpha by in the Philippines House Management in Bank Private Asia, and cited as Best Southeast Also in 2009, the FinanceAsia. by the Philippines as the Best Euromoney by was recognized Bank as , as well in the Philippines Bank Local Private in the House Management Wealth Private the Best Having distinguished Asset. The by Philippines for is ready Bank itself in its niche, BDO Private the challenges and opportunities in the domestic banking business in the coming years. private as the only is recognized Bank BDO Private banking domestic bank focused on private an open management. Employing and wealth offers bespoke framework, the Bank architecture services management and the wealth that address estate planning needs of its select clientele base. • Investment Banking • Investment still in the doldrums, the equities market With instruments in turned to fixed-income investors renewed the vigor in debt capital 2009. The shift transactions, giving BDO Capital & market Corporation (BDO Capital) - the Investments banking subsidiary investment - more Bank’s advantage Taking opportunities for doing business. of these opportunities, BDO Capital closed major in the a dominant player to remain deals last year transactions closed during the debt capital market • Private Banking • Private did not deter The global economic slowdown and pursuing its volume from Bank BDO Private its net income income goals for 2009. As a result, challenges surged to P425 million in 2009. Despite Bank BDO Private environment, in the investment as investment value-added continued to provide as financial and estate advisorywell services to the domestic emerging affluent and high net worth clientele. meant for a specific client profile. For the For client profile. meant for a specific portfolioscustomized for medium to high targeted offering includes Trust’s net worth clients, BDO Management Investment Term the BDO Long both of Planner, Wealth and the BDO Account shorter term which carry privileges. For tax exempt portfolios, who want customized BDO investors and BDO Builder Wealth offers the BDO Trust - arrangements Account Management Investment in outlets directly clients to invest which allow securities, corporate such as BSP SDA, government bonds and special deposit accounts. is the Trust the institutional business, BDO In funds of the retirement Trustee or Manager Fund as of domestic and multinational corporations, and corporate funds as of the investment well Trust institutional accounts. BDO of various likewise participated in major financial transactions Agent, Onshore acting as Facility for 2009 by and Paying Bank Receiving Trustee, Collateral originations Agent for all types of debt and equity and instruments, as it has become the “top-of- party fiduciary of third services”. mind provider that 2010 will be another is confident Trust BDO its line-up of investment given banner year sales and service and the strong products culture its strategic by of its personnel, strengthened such collaboration with other units of the Bank and Marketing, Treasury Banking, as Institutional Branches. and stood as a major provider of the POS facility of the POS facility provider and stood as a major nationwide. institutions for micro-lending is Banking and Electronic Cash Management various of the for the development responsible and services products transaction banking of for corporate liquidity including tools the Bank, electronic customized as management as well 2009, the customer sites. In banking systems at in Bank Management Cash Best was awarded Group as Asia as well Southeast Alpha by the Philippines Asset. The by Bank Management Cash Rising Star • Remittance as ng Pilipinas Sentral the Bangko by Awarded Remittances for Overseas Bank Commercial the Top and in 2008, BDO continued to gain credibility its With it serves in the market in 2009. preference and the steady expansion of presence market strong partners BDO generated worldwide, its remittance while revenue in OFW remittances a 24% growth remittance and overall both the USD volume 13% in 2009. by transactions grew its international Constant efforts to strengthen BDO with established rewarded have presence remittance linkages with thousands of combined offices, partners and agent locations in Asia, enabling America and Europe East, North Middle is worldwide. This it to serve Filipinos more domestic strong the Bank’s complemented by pick-up 2,000 remittance with over presence, BDO branches, locations nationwide. Aside from financial Counters, Makro, Exchange SM Foreign services and rural Up bank partners, Cash Pick branches) at all 21 Savemore (which is also available remittance at building up BDO’s also effective are in the Filipinos out to more business. Reaching pick-up service BDO Remittance provinces, rural banks continues to expand, adding two more – to Bank and Gateway Rural Mabuhay – Bangko full support to BDO is also providing the network. a one-stop shop Center project, Pinoy Global SM’s various OFW servicesoffering remittance including Cash Management and Electronic Banking Banking and Electronic Cash Management continued its amazing run in 2009, achieving of 21% and another double-digit income growth its in portfolio Attributing size. a 100% increase to its solid position in the industry, results strong and state-of-the-art top-of-mind brand recall two scored and services,products the Group for BDO last year achievements market-leading making it the number one bank in terms of Debit as issued (6 million) as well cards and Prepaid (2 million transactions processed Payment Bills also ranked 2nd in the banking per month). It (1,354) network industry in terms of total ATM • Cash Management and Electronic• Cash Banking period. It acted as Issue Manager, Lead Manager, Lead Manager, Manager, acted as Issue period. It government across Lead Underwriter and/or Joint issuances with an aggregate and all corporate bond (USD4.4 billion), of P212.2 billion issue size among the largest bond making BDO Capital The bond issuances underwriters during the year. Inc., Telecom include those of Globe Power Aboitiz Inc., Brewery, Miguel San Corporation, Corporation, SM Investments Land Corporation, Megaworld Robinsons JG Summit Land, Inc., Corporation, Filinvest Corporation, Development Energy Inc., Holdings, Retail of the Philippines’ and the Republic support initiatives various To Bonds. Treasury arranged of corporate entities, BDO Capital also of a total of P71.6 billion (USD1.5 billion) corporate notes and term loans. performance, despite market record BDO Capital’s uncertainties in 2009, earned for it accolades from international publications including various and in the Philippines House Investment Best FinanceAsia; by in the Philippines House Equity Best AsiaMoney; by in the Philippines House Debt Best in the Philippines Bank Investment Domestic Best the in Bank Investment Asset; and Best The by in the Philippines Bond House and Best Philippines Asia. Southeast Alpha by
Operational Highlights Operational REVIEW OPERATIONS OF 2009
BDO ANNUAL REPORT 2009 18 BDO ANNUAL REPORT 2009 19 Operational Highlights Operational REVIEW OPERATIONS OF 2009 • Credit Risk Management In 2009, Credit Risk Management Group Group Risk Management 2009, Credit In process assessment its credit (CRMG) tightened Group institutions. The and criteria for financial it set for purposes limits” to the “guidance adhered concentrations controlling of monitoring and in the portfolio, particularly Exposures on Large its also rationalized Group The and Industry. for the provisioning Loan Loss and Impairment consumer portfolio. laying the groundwork CRMG is currently under the preparatory approaches to the advance that time, BDO 2013. By II framework by Basel requirements fully complied with Basel shall have of the Risk Rating Model Validation including the Validation loans; the for corporate and commercial model for small business Scoring of the Credit of of Probabilities loans; and the Derivation and Consumer for Corporate, Commercial Default Loans. management, the Group of remedial the area In 8% Loans by Non-Performing ably reduced and settlements collections, restructuring, through Group The or foreclosures. via “dacion” and resources utilization of available maximized approach implemented a time-bound pro-active accounts. For of problem in the resolution lenient opted for more Loans, the Bank Home costly foreclosures payment arrangements over by affected for those adversely relief to provide Loans, the Auto natural calamities in 2009. For / collection recovery outsourced actively Group services agencies while increasing to professional Tracers. Skip Repossessors / efficiency of in-house and to work-outs resorted Leasing, the Bank For payment arrangements for businesses deemed was used to customer network viable. Internal hasten disposal or assumption of leased assets / obligations. RISK MANAGEMENT effects of the global As the market-dampening on in 2009, the Bank economic crisis lingered saw it fit and prudent to keep to its policy of asset quality even maintaining and improving at a continued to grow as its risk assets levels also the Bank a step further, pace. Going robust instituted the practice of computing and raising loan loss impairment in anticipation of the next on top of the regulatory general business cycle and collective and specific loan loss provisions all these, impairment for consumer portfolios. In heightened focus was spent on more an even of prudent risk ensuring a continuing regime management. • Insurance – Brokerage & – Brokerage • Insurance Bancassurance (BDOI) generated Inc. Brokers, BDO Insurance and commissions P1.3 billion in premiums as it amounting to P223 million in 2009, Benefits Employee generated business from and SM Group the Medical), Life and (Group 2009, accounts. In BDO Leasing referred and BDOI is expected to maintain its 20.2% and in terms of premiums shares 11.5% market total commissions, respectively. such as consumer lending, leasing, markets Key businesses will and IBG-referred branch-referred in 2010. the growth drive pick up. The first Global Pinoy Center was Pinoy Global The first pick up. City. of Asia in Pasay Mall launched at the SM will be launched in Centers Pinoy Global More the country across in 2010. SM Supermalls commitment to continuously As BDO fulfills its secure, more remittances for ways to make search stands to the Bank and convenient, reliable industry in the remittance maintain its leadership in the coming year. REVIEW OF 2009 OPERATIONS Operational Highlights BDO ANNUAL REPORT 2009
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• Market and Liquidity Risk The Bank has a proactive stance in the Management management of its liquidity and market risks. It charters its liquidity management directions using As financial markets showed some measure of the regular measurement of the Bank’s liquidity recovery in 2009, the Market and Liquidity risk under both Business-As-Usual and stress Risk Management Unit continued to strengthen conditions, with the Asset Liability Management its market and liquidity risk management Committee having a vital role in enforcing the infrastructure across the Unibank. Market risk Bank’s liquidity management policy. It has a methodologies used by the Bank were subjected contingency plan in place to address liquidity to third party validation to ensure that the pressures that may arise from unexpected internal same complies with market regulations and best or financial market developments. For market risk practices. management, the Bank uses as its key measure REVIEW OF 2009 OPERATIONS Operational Highlights
Value-at-Risk which is a statistical estimate of identification, assessment and mitigation in the the maximum possible loss on a given position areas of business continuity, information security, 21 within a given time period. Stress testing both legal and regulatory compliance, outsourcing and for liquidity risk management and market risk complaints / feedback management. management continues to be an essential part of the measurement procedure as markets remain • Risk Analytics, Systems & Control fragile. In 2009, RMG continued the development of • Operational Risk Management application and behavioral scoring models and initiated the automated implementation thereof Operational risk compliance is a dynamic process to enable the Consumer Loan business to move that continues to be driven at the business towards a credit score-based underwriting process line level under strict guidelines and reporting for its unsecured loan portfolio - credit card and mechanisms handled by the Risk Management personal loans. An expert-based Credit Scoring Group (RMG). In 2009, the Bank focused on model was also designed and adopted for the Small implementing risk management tools by launching & Medium Enterprise (SME) loan business. These the assessment process using Key Risk Indicators empirically-derived risk models are expected to and Key Controls Self-Assessment as alerts for improve the loan adjudication process as well as the operational risk vulnerabilities. The Bank also credit quality of both the consumer and SME loan began the groundwork for the build-up of a portfolio. loss database in compliance to Basel II advance approach requirements. RMG has started laying down the framework for the adoption of the Basel II Accord under the The Bank will continue to promote risk advance approach for quantifying credit risk to consciousness and instill the discipline of risk estimate the Bank’s minimum capital requirement. SERVICE AND SUPPORT INITIATIVES Operations • Central (COG) focused Group Operations The Central thrust on the enhancement its 2009 directional Service and in all Orientation of Customer the improvement component units of Operations, of and the strengthening of operational efficiency, operational risk management practices. in Group This focus charted the path for the Improved making significant strides in 2009. COG product in various resulted productivity supportunits efficiently handling double-digit while maintaining the growth transaction volume of the same headcount numbers. The completion even for its Clearing Hubs rationalization process And, by dozens. several headcount by reduced concepts in the Check using Lean Management effectively the Group process, Rendition Statement 10 days. completion by of Account cut Statement Imaging technology for document The use of management was successfully piloted in Check as the Banking, Trust and in Clearing Operations, looks forward to implementing imaging Group in 2010. Bank the entire solutions across Time Turnaround Quick COG also achieved typhoons of branches damaged by on the repair enabling early resumption and Pepeng, Ondoy also completed of services in these branches. It Center units to the transfer of BDO Benguet and South their end-state locations in the North as in the BDO Greenhills-Roosevelt as well Towers Buildings. The Group will also focus on widening its will also focus on widening Group The and additional brokers tapping network, marketing and the provinces. Manila agents to sell in Metro and by a marketing This will be complimented on giving the Bank’s centered advertising program in the market. properties a wide coverage • Asset Management – ROPA and • Asset Management – ROPA Assets Capital a estate assets encountered of real Disposal as the lingering effects of the 2008 challenging year the Bank Still, to 2009. spilled over global recession of real volume was able to dispose a respectable estate and chattel during the period. transactions for in retail While the increment was much smaller than in 2008, our the year previous better at 44% over subdivisions fared smaller price package conformed as the Bank’s year middle income market to the needs of a resilient offerings. market-competitive to BDO’s responsive slightly in is expected to increase volume Sales focus is to clean out the small Group’s 2010. The the and subdivision properties as it addresses retail segment is This market mid-income group. lower in the face of an even strong expected to remain further new even in supply enlarged by overhang units. adding more projects This included defining the data model, designing This included defining of a central repository database, the architecture of the for internal validation setting standards and calibrating the probability risk models Bank’s for each risk segment. of default component A new methodology in accordance impairment with the new accounting standards international new was adopted. The for loan loss provisioning scientific and accurate a more provided approach loans on a loss estimation of the retail credit or portfoliocollective the basis taking into account recognizing of the customer base and risk profile the collateral. from potential recovery its data RMG has been consistent in improving Bank the This ultimately allowed mining capability. bank in sourcing data to seamlessly harness RMG’s card the credit 50% of new customers generated by the depositor base. business from
Operational Highlights Operational REVIEW OPERATIONS OF 2009
BDO ANNUAL REPORT 2009 22 BDO ANNUAL REPORT 2009 23 Operational Highlights Operational REVIEW OPERATIONS OF 2009 • Human Resource • Human Resource The Human Resources (HR) Group remained Group (HR) Resources Human The that initiatives development focused on manpower achieve To objectives. corporate BDO’s dovetail in the Bank’s branch network and transaction network branch in the Bank’s volumes. centered effortswere in 2009 IT Development ensure to handle growth, on system upgrades vendors, continued support third-party from for and provide security, information safeguard these parameters, IT undertook Under robustness. of major and application upgrades hardware Core applications including upgrades to the Treasury and Trust, systems, system, ATM Banking now are applications. All major internet systems security testing. to undergo rigorous required the addition, IT successfully decommissioned In it with mainframe system, replacing Equitable-PCI applications system. All major back-end BDO’s last 12 months with upgrades upgraded in the were planned for to its key customer-facing applications 2010-2011. backup systems for redundant IT also provided ensure for its mission-critical applications to continued service of a disaster. in the event even enhanced and plans were disaster recovery Existing for the critical applications procedures recovery backup using the Bank’s tested and validated were connectivity and systems. IT also tested network locations to alternate work system access from of the the business continuity requirements address Bank. and recovery, disaster availability, growth, With security as its theme for 2010, IT will continue major on major upgrades to several its initiatives applications, and will expand operating capabilities and process other infrastructure through for further growth as it prepares improvements and transaction branch network in the Bank’s volumes. • Information Technology to continued Technology 2009, Information For business value. look for ways to provide the importance of information Recognizing the Bank’s and growing security in sustaining compliant with regulatorybusiness, while being is firmly committed to IT requirements, information security the Bank’s strengthening computing a secure clients and ensure to assure and Control, Standards IT Through environment. enhanced its intrusion detection the Bank classification system in 2009 to enable proper management of security events. and pro-active to antivirus software also upgraded BDO’s It and server as it workstation security even improve consolidate implemented a log monitoring tool to disparate systems and trigger of logs from review security alerts and for immediate investigation intensified efforts at vulnerability action. It vulnerability regular management through assessment performed on the IT infrastructure security, beef up network To and applications. isolation and troubleshooting, facilitate problem into smaller, its user network IT redefined manageable groups. continued shifting focus to IT Operations maintenance and upgrades in 2009. security, made in tandem were security upgrades Network continued office rationalization, with the Bank’s made to upgrades were while availability ability to absorb the branch network’s improve outages while telecommunications provider improvements operational costs. Major reducing data center infrastructure made to the Bank’s were Ortigas Center to the from with its relocation The data center conforms to area. Greenhills and international data center design standards IT scalable and redundant a secure, provides mission-critical for the Bank’s infrastructure expects to 2010, IT Operations systems. In and process continue its other infrastructure for further growth as it prepares improvements CORPORATE SOCIAL RESPONSIBILITY CORPORATE after its establishment as BDO’s year One arm, the BDO corporate social responsibility made significant strides in has already Foundation sectors of society out to the marginalized reaching and partnerships the spirit of volunteerism through with organizations and individuals with the same advocacies. Foundation the BDO through Group The BDO was one of the first to come to the aid of the in 2009. and Pepeng victims of typhoons Ondoy the BDO a P10 million donation from With set up with operations were relief Foundation, Kapamilya. Sagip Inc.’s ABS-CBN Foundation, bags, relief 66,000 over The donation funded 1,886 sacks of and 1,735 cases of bottled water, of Rizal, rice distributed to victims in the provinces La Union, Pampanga, Laguna, Cavite, Bulacan, like Manila and some partsBenguet of Metro Volunteers BDO and Muntinlupa. Pasig Marikina, were composed of officers and members of the staff operations, traveling in the relief involved actively even to under difficult circumstances Moreover, the advertising program worked well in well worked the advertising program Moreover, facade and look of renovated conjunction with the top- to create than 600 branches more the Bank’s visibility. of-mind and market institutional effortsComplementing these is BDO program corporate rewards the Bank’s Rewards, The banking industry. that is unique in the new for customer avenues created program rewards Current loyalty as Personal areas in such product Consumer Loans and Account, / Savings Account against the key also leverages placements. It Trust main by SM as the program’s afforded strengths in distinct and has resulted partner, redemption for the Bank. growth business gains and volume daily of average CASA both in terms Personal robust balance and number of accounts posted expansion rates. With its institutional advertising program, BDO its institutional advertising program, With generated significant image gains and momentum or at par it to a position perceived that propelled better with that of competition in just a span even of two years. and for the power an appreciation created program Said and created benefits of branding in the banking industry, BDO as being persona for Ways” Find a distinct “We and solutions and service-oriented. dynamic, innovative, • Corporate Marketing • Corporate this, HR’s enhanced training programs anchored anchored training programs enhanced this, HR’s implemented principles were Ways” Find on “We A Bank-wide and its subsidiaries. the Bank across of a service training program roll-out excellence BDO anchor on the standard was implemented to service and corporate image sessions philosophy; corporate branding conducted towards were officer development Leadership and synergy. Ways” Find also aligned to “We were programs service organizational principles to strengthen customer servicing backbone at the junior and essential to meeting the middle management levels expansion and dynamic needs of continued branch business growth. policies were HR backend processes, the At were and pipeline automation projects reviewed tested to further enhance service delivery. funneled engagement activities were Employee clubs that foster fellowship new through interest and functional roles and camaraderie across was fueled in volunteerism ranks. Employee close partnership with the BDO Foundation as facilitators involvement employee active through for programs and skills trainers in livelihood community building. HR also facilitated a smooth and peaceful and the Management negotiation between in a new which resulted Union Employees’ Agreement. Bargaining Collective three-year
Operational Highlights Operational REVIEW OPERATIONS OF 2009
BDO ANNUAL REPORT 2009 24 BDO ANNUAL REPORT 2009 25 Operational Highlights Operational REVIEW OPERATIONS OF 2009 alone. It also lent a helping hand to building alone. It informal settlers from communities for relocated LGU hands with Makati urban centers. Joining funded Kalinga, the BDO Foundation and Gawad Brgy. Ville, and built 28 homes in D’ Dreamland City in Bulacan Monte Del Jose Kaypian, San over within a period of six months and turned Foundation-GK Community on the first BDO once were 7, 2009 to beneficiaries who November also The same day City. informal settlers in Makati for the multi-purpose the groundbreaking marked The initial funds for hall in the same community. came Hall Multi-Purpose Volunteers the BDO two major fund-raising activities of the BDO from the Rhythm of Love Volunteers: Raisers and Fund for Life Walk 2009, and Concert held in February then, Since of the same year. in March Run Fun has continuously received the BDO Foundation officers and staff for this the Bank’s donations from purpose. committed remained also Foundation The BDO livelihood acquire to helping out-of-school youths a better life for themselves secure skills and thereby BDO Bank, through and their families. The Bosco to Don donated vehicles Inc., Foundation to equip students with hands-on experience in mechanic courses. The donation will automotive far-flung areas to deliver and distribute the goods to deliver far-flung areas with brotherhood communities. In to distressed many of whom were the victims, BDO employees, relief by the typhoons, donated 200 also affected the Foundation by over turned bags which were Progress for Social Business to the Philippine remittance unit Bank’s The and Caritas Manila. in securing a also helped the BDO Foundation Forex goods from of relief donation of 168 boxes an international remittance Australia, World tie-up office with which BDO has the largest distributed were relief goods These in Australia. in to typhoon victims in other affected areas Macabebe such as Botolan (Zambales), Luzon and Dagupan (Bulacan), Baliuag (Pampanga), over benefitting Calasiao (both in Pangasinan) 5,000 families. relief efforts did not Foundation’s The BDO to goods relief stop at immediately providing Recognizing the enormous affected families. the and Pepeng, Ondoy by damage wrought gearing up for the now is BDO Foundation of affected communities, building rehabilitation donations to supportup a fund from this effort. did not limit its Foundation The BDO humanitarian efforts to helping typhoon victims in November at the same venue for CARD Bank for CARD Bank at the same venue in November focusing on corporate and CARD-MRI employees social graces and etiquette among image / attire, was the center before even others. However, of the BDO Speakers inaugurated, volunteers conducted with IT competencies already Bureau in August a two-day Computer Literacy Seminar officers and facilities for its own at CARD-MRI’s staff. management, 11 of health care the area In of recipients hospitals and institutions were at P38 million for medical equipment valued ophthalmologic, otolaryngological and obstetrical The donation of the BDO Foundation. use from the the medical equipment was coursed through the Inc., of Ophthalmology, Academy Philippine doctors in the country. national organization of eye residency based on their chosen were Beneficiaries and their capability to render training programs charitable medical service to indigent patients. its donation of medical equipment, With medical that ensure helped BDO Foundation into a thus, resulting addressed, needs were healthier population capable of pursuing and contributing to the gainful employment of the country. socio-economic development will continue to pursue Inc. BDO Foundation, and support for the underprivileged advocacies sectors of society in 2010. and marginalized various BDO the selfless dedication of the With benefit poor and out-of-school wards of Don of benefit poor and out-of-school wards and for Streetchildren Home Bosco-Pugad: Center- Youth Bosco Don Inc., Youth Migrant and Boscserv. Inc., Tondo, As part to bring micro-finance its advocacy of BDO the sector, closer to the marginalized funded the construction of the P12 Foundation Micro- BDO Foundation million three-storey Laguna. Inaugurated Center in Bay, Finance 2009, the facility is now on September the Center for Development- being used by (CARD- Institutions Reinforcing Mutually for as a venue Institute MRI) Development The programs. its training and development and Center has since hosted a series of lectures BDO, seminars with trainers and speakers from their expertisevolunteering in these programs. of the volunteers and November, October In - in cooperation with Trainers BDO Skills Center – facilitated Forum Entrepinoy Ultima training sessions on basic meat two livelihood for CARD-MRI members coming processing Basilan. Also regions as far as different from of the BDO Speakers volunteers in November, building program conducted a capacity Bureau for Non-Accountants” for on “Accounting The same program CARD-MRI employees. City. was conducted simultaneously in Davao volunteers Bureau Another set of BDO Speakers Program Development conducted Personality
Operational Highlights Operational REVIEW OPERATIONS OF 2009
BDO ANNUAL REPORT 2009 26 REVIEW OF 2009 OPERATIONS Operational Highlights volunteer groups and in collaboration with • Outlook for 2010 partner organizations, the BDO Foundation expects to widen its reach in helping build better Economic growth this year is seen rebounding communities as BDO’s contribution to the in line with the firmer global economic recovery country’s socio-economic development efforts. and revitalized consumption spending driven by the sustained rise in OFW remittances and SUMMARY incremental lift from the May presidential elections. The BDO Group’s 2009 results show that with the right moves, the appropriate strategies, the perfect The recovery in external demand and turn in the timing, and the concerted efforts of people sharing inventory cycle are positive for the export and a common goal, growth can be achieved even in manufacturing sectors and are now expected to difficult times. While the prevailing economic positively contribute to economic expansion. The BDO ANNUAL REPORT 2009 gloom made the market wary and economic more sanguine global outlook also favors BPOs recovery tentative, it did little to dampen the which have stepped up its contribution to close to Bank’s performance. BDO defied market trends by 5% of the country’s GDP. surpassing both its 2008 results and its targets for 2009. Meanwhile, private consumption is seen getting an extra boost from the national elections aside In 2010, the Bank will continually search for from the steady expansion in OFW remittances. more business opportunities that will support Consumer-based industries like food, beverage, 27 expansionary objectives and bottom-line targets and garments, telecommunications and media, by way of strategic acquisitions and organic transportation, paper and printing are just some growth. With solid foundations for more dynamic of the industries likely to benefit from election operations now in place, the Bank will continue spending. These should compensate for the building for future growth. It will pursue major expected restraint in public expenditures as the initiatives including technology and products / new government shifts its focus toward managing services enhancement, market reach expansion, its fiscal position. A revival in investments should and other innovative approaches to maintaining ensue assuming elections are held credibly and the BDO’s market leadership while ensuring strict transition of power goes on smoothly. Meanwhile, adherence to corporate governance standards and a healthy external sector and record dollar reserves prudent risk management policies. Its marketing continue to support the peso. campaign focus will still be on the “We Find Ways” theme in projecting BDO as a large banking Headline inflation is expected to head up this year network that cares for its clients by finding ways to on rising fuel and food prices (the latter driven by serve them better. the El Nino). Interest rates are also seen adjusting upward on higher inflation and budget deficit In pursuing its business objectives, the Bank will concerns. not lose sight of its corporate social responsibility. As in years past, the BDO Group will continue Notwithstanding the challenges ahead, the supporting the country’s socio-economic Philippines is poised to take advantage of development efforts in 2010, particularly in opportunities present in the recovery as it prepares empowering the less privileged sectors of society. itself for a sustainable economic expansion moving forward. ACCOLADES BDO ANNUAL REPORT 2009
28
As the Bank continued to build for the future, recognition for its achievements continued to build up, too. Citations from leading international finance and investment institutions and publications reaffirm the high esteem accorded by investors to BDO for excellence and market leadership in private banking, treasury, investment banking, trust banking, cash management, and remittance. ACCOLADES
EUROMONEY FINANCEASIA • Best Local Private Bank • Top Bank in FinanceAsia’s Best Managed Companies WALL STREET JOURNAL • Best Private Bank • 7th Most Admired Company in the Philippines; • Best Investment Bank in the Philippines among Asia’s 200 Most Admired Companies; 3rd • Best Equity House in the Philippines among Filipino companies in the area of financial reputation; 4th in the IFR ASIA area of innovation • Domestic Bond Deal (Regional Award) THE ASSET • Philippines Capital Markets Deal
• Best Domestic Investment Bank (Country Award) BDO ANNUAL REPORT 2009 • Rising Star Cash Management for the Philippines CORPORATE GOVERNANCE ASIA • Best Wealth Management • One of the recipients of the House in the Philippines Corporate Governance Asia • Best Deal in the Philippines Annual Recognition Awards 2009
ASIAMONEY MASTERCARD • Best Country Deal for the • Hall of Fame Award as Best in 29 Philippines Class Cardholder Promotion • Best Domestic Provider for Local Currency Products (Structured Currency Products) VISA INTERNATIONAL - PHILIPPINES • Best Domestic Debt House in the Philippines • Recognition Award for achieving the highest • Best Domestic Provider of FX Services average spend growth in 2008 for the in the Philippines BDO Visa Credit Card portfolio • Best Domestic Currency Bond Deal BANGKO SENTRAL NG PILIPINAS ALPHA SOUTHEAST ASIA • Top Remittance Bank • Best Cash Management Bank in the Philippines LAND BANK OF THE PHILIPPINES • Best Investment Bank • Best Countryside Loan Fund Program Partner in the Philippines under the Commercial Banks Category • Best Bond House in the Philippines • Best Countryside Loan Fund Program Partner • Best Private Wealth Management House under the Agri-Agra Loans Category • Best Debut Bond Deal of the Year in Southeast Asia SMALL BUSINESS CORPORATION • Distinguished Partner for SME Wholesale Lending Program BOARD OF DIRECTORS
Henry Sy, Sr. Chairman Emeritus BDO ANNUAL REPORT 2009
30 Teresita T. Sy Corazon S. de la Paz-Bernardo Jesus A. Jacinto, Jr. Chairperson Vice Chairperson Vice Chairman
Nestor V. Tan Christopher A. Bell-Knight Lee Wai Fai President and Director Director Director
Antonio C. Pacis Henry T. Sy, Jr. Josefina N. Tan Director Director Director BOARD OF DIRECTORS
Teodoro B. Montecillo Jimmy T. Tang Edmundo L.Tan Independent Director Independent Director Corporate Secretary BDO ANNUAL REPORT 2009
31
Senen T. Mendiola Alberto V. Reyes Jose T. Sio Adviser Adviser Adviser
Washington Z. Sycip Jesus G. Tirona Adviser Adviser BOARD OF DIRECTORS
TERESITA T. SY, 59, Filipino, is the Chairperson of Bayer Phil., Inc. Formerly, he was Director and Executive BDO. Concurrently, she serves as the Chairperson, Vice President of CityTrust Banking Corp., Director of Vice-Chairperson, and/or Director of various subsidiaries CityTrust Investments Phil., and CityTrust Finance Corp., and affiliates of BDO such as BDO Private Bank, Inc., and Vice President and Managing Partner of Citibank N.A. BDO Leasing & Finance, Inc., BDO Capital & Investment He holds a Bachelor’s degree in Business Administration Corporation, Equitable Card Network, Inc., Strategic from Fordham University in New York City and an MBA Property Holdings, Inc., BDO Foundation, Inc., Generali (International Business) from Columbia University, New Pilipinas Holding Company, Inc., Generali Pilipinas York. Life Assurance Company, Inc., and Generali Pilipinas Insurance Co., Inc. Ms. Sy is the Vice Chairperson of SM CHRISTOPHER A. BELL-KNIGHT, 66, Canadian, was Investments Corporation. She also sits as Chairperson, elected Director of BDO in May 2005. He was formerly a Vice Chairperson and/or Director of such companies as Director of Solidbank Corporation from 1990 to 1998 and SM Prime Holdings, Inc., Multi-Realty Development Vice President and Country Head of The Bank of Nova Corporation, SM Land, Inc., Supervalue, Inc., SM Mart, Scotia. He has had over 40 years of banking experience BDO ANNUAL REPORT 2009 Inc., SM Retail, Inc., Super Shopping Market, Inc., in England, Canada, and Asia. Educated at universities in Pilipinas Makro, Inc., and First Asia Realty Development England and Canada, he is an Associate of the Chartered Corp. Ms. Sy was first elected to the Board of BDO in Institute of Bankers (UK), Associate of the Institute 1977. A graduate of Assumption College, she brings to the of Canadian Bankers and, a Fellow of the Institute of board her varied expertise in banking and finance, retail Corporate Directors. merchandising, mall and real estate development. LEE WAI FAI, 50, Singaporean, was appointed Director CORAZON S. DE LA PAZ-BERNARDO, 69, Filipino, of BDO in June 2008, and is concurrently the Executive is currently the Vice Chairperson of the Bank’s Board Vice President/ Group Chief Financial Officer & Head of Corporate Services of United Overseas Bank Singapore. He 32 of Directors. She is also a consultant to the Chairman, Social Security Commission. She is the President of the also serves as Director and Chairman of United Overseas International Social Security Association, a Geneva- Bank Philippines. He is a Director of Asfinco Singapore based organization, for the 2007 to 2010 triennium. Limited, Chung Khiaw Realty Limited, CKB (2000) She is also a Director of Equitable Card Network, Inc., Limited, FEB Realty Company PTE Ltd., ICB (2002) Philex Gold, Inc., and Ayala Land, Inc. She is also an Ltd., Industrial & Commercial Property (S) PTE Ltd., Advisor to the Audit Committee of PLDT. She was Sunwise PTE Ltd., Unicom Databank Private Ltd., United Chairman & Senior Partner of Joaquin Cunanan & Co. Facilities Private Ltd., United General Services (PTE) Ltd., (PricewaterhouseCoopers, Philippines) from 1981 to 2001. UOB Bullion and Futures Ltd., UOB Capital Investments She is also a member of the Board of Trustees of University PTE Ltd., UOB Capital Management PTE Ltd., UOB of the East, the UE Ramon Magsaysay Memorial Medical Developments Private Ltd., UOB Equity Holdings (PTE) Center, Meralco Foundation, Inc., Miriam College, and Ltd., UOB Hermes Asia Management PTE Limited, UOB Jaime V. Ongpin Foundation. Other memberships include Holdings (USA) Inc., UOB Holdings Private Ltd., UOB those in the: Makati Business Club, Inc., Philippine International Investment Private Ltd., UOB Property Institute of Certified Public Accountants, Management Investments PTE Ltd., UOB Towers PTE Ltd., UOBGC Association of the Philippines, the Financial Executives General Partners Ltd. and UOF (2000) Ltd. He holds Institute of the Philippines, the Asia Society, and Member a Bachelor of Accountancy (Hons) from the National of the Board of Advisors of Ramon V. del Rosario, Sr. - AIM University of Singapore and a Master in Banking and Center for Corporate Social Responsibility. Ms. De la Paz- Finance from Nanyang Technological University, Singapore. Bernardo served as Chairperson of EPCIB from 21 February He has more than 20 years of experience in finance and 2006 until EPCIB’s merger with Banco De Oro Universal administration. Bank. TEODORO B. MONTECILLO, 75, Filipino, was first JESUS A. JACINTO, JR., 62, Filipino, was elected Vice appointed Independent Director in August 2004. He is Chairman of BDO in May 1996, and is concurrently the also currently an Independent Director of the following: Chairman and President of BDO Insurance Brokers, Inc. BDO Securities, Corp., PDS Holdings Corp., Philippine He also heads Jaces Corp. as Chairman and President; and Dealing & Exchange Corp., Philippine Securities & Janil Realty, Inc., JAJ Realty, Inc., and M.R. Knitwear Settlement Corp., and Philippine Depository & Trust Corp. Specialist, Inc. as President. He is likewise Director of He was appointed by former President Fidel V. Ramos as a BOARD OF DIRECTORS
member of the Monetary Board of the BSP from 1996 to in New York and the Barclays Group in New York and 2002, and appointed by former President Joseph Estrada London. Prior to joining the Bank, he was the Chief as Chairman of the Central Bank Board of Liquidators Operating Officer for the Financial Institution Services from 1999 to 2002. He was an Advisor and Consultant to Group of BZW, the investment banking subsidiary of the Governor Rafael B. Buenaventura from 2002 to 2004. In Barclays Group. He holds a Bachelor’s degree in Commerce addition, he held various positions in areas of operations, from De La Salle University and received his MBA from credit and external debt management in Citibank, N.A. Wharton School, University of Pennsylvania. (Manila) and Citibank Head Office (New York) from 1965 to 1996. He holds a Bachelor of Science in Education HENRY T. SY, JR., 56, Filipino, is presently Director of the degree from University of the East, Bachelor of Science Bank and Vice Chairman of the Board of Directors of SM degree in Business Administration from the University of Investments Corporation (SMIC). He is also Vice Chairman the Philippines and received his MBA from Northwestern of SM Development Corporation (SMDC) and Highlands University, Chicago, USA. Prime, Inc.; President of SM Land, Inc.; and Director of SM Prime Holdings, Inc. (SMPHI). He is responsible for the ANTONIO C. PACIS, 69, Filipino, currently serves both the real estate acquisitions and development activities of the SM BDO ANNUAL REPORT 2009 Bank and BDO Capital and Investment Corporation as a Group. He graduated with a management degree from De director. He has been in law practice since 1967 counseling La Salle University. He also holds board positions in several bank and corporate clients in the areas of regulatory, companies within the SM Group. business, corporate and trust law, and individuals in the areas of family law and estate plans. In the course of his JIMMY T. TANG, 74, Filipino, has been an Independent practice, he has served in various capacities in companies Director of BDO since 1984. He served as the ninth upon invitation of clients. He holds degrees from the Ateneo President of the Federation of Electrical & Electronics de Manila University (AB), from the Ateneo School of Law Suppliers & Manufacturers of the Philippines, Inc. (PESA) (LLB) and from the Harvard Law School (LLM). and the first Chairman of the PESA Foundation for seven 33 years. At present, he serves as the Honorary Adviser of JOSEFINA N. TAN, 64, Filipino, is presently Director of PESA Inc. & PESA Foundation. He was also the 11th the Bank and President of BDO Private Bank, Inc. She President of the Federation of Filipino-Chinese Chamber is also Vice Chairperson of Miriam College and a Trustee of Commerce & Industry (FFCCCII) for two consecutive in both Development Center for Finance and Laura terms and presently the Honorary President. Mr. Tang is the Vicuña Foundation. She was a Director of Banco de Oro President and Chairman of the Board of AVESCO Group Universal Bank from 2001 to August 2005. Ms. Tan was of Companies. He holds a Bachelor’s Degree in Electrical also Executive Vice President of the former Far East Bank Engineering from the Mapua Institute of Technology & Trust Co., Director and President of FEB Leasing & and was awarded the “Top Outstanding Mapuan for Finance Corp., Executive Director and Trustee of FEB Entrepreneurship”. Foundation, Inc., and Executive Vice President of FEB Investments, Inc. until 2000. Ms. Tan was a director of EDMUNDO L. TAN, 64, Filipino, was appointed Corporate EPCIB from September 2005 until its merger with the Bank Secretary of the Bank on July 27, 2007. He also serves in May 2007. as Director and Corporate Secretary of APC Group, Inc., Philippine Global Communications, Inc., and Aragorn NESTOR V. TAN, 52, Filipino, was elected President of the Power & Energy Corporation. He concurrently holds Bank in July 1998. He concurrently holds directorships in directorships in BDO Leasing & Finance, Inc. and Sinophil the following subsidiaries of the Bank: BDO Capital and Corporation. He is likewise the Corporate Secretary of APC Investment Corporation, BDO Private Bank, Inc., BDO Mining Corp. and Aragorn Coal Resources, Inc. Atty. Tan Securities Corp., BDO Leasing and Finance, Inc., BDO is the Managing Partner of Tan Acut Lopez and Pison Law Insurance Brokers, Inc., Equitable Card Network, Inc., Offices. He was formerly the Chairman of the Board of EBC Strategic Property Holdings, Inc., Generali Pilipinas Life Investments, Inc., and Chairman of the Board and President Assurance Company, Inc., and Generali Pilipinas Insurance of EBC Strategic Holdings Corp. Co., Inc. He is also the Chairman of BDO Technology Center, Inc., EBC Strategic Holdings Corporation, and BDO Strategic Holdings, Inc.; and Trustee of BDO Foundation, Inc. He was formerly connected with the Mellon Bank in Pittsburgh, PA, the Bankers Trust Company CORPORATE GOVERNANCE
EXECUTIVE COMMITTEE Chairperson : Teresita T. Sy Members : Nestor V. Tan; Jesus A. Jacinto, Jr.; Josefina N. Tan; Antonio N. Cotoco; and Evelyn L. Villanueva
The Executive Committee is authorized to act on behalf of the Board of Directors on matters affecting the operations of the Bank subject to legal limits and By-Laws of the Bank, and such ceilings that may be imposed by the Board of Directors. It has the authority to approve within the set limits, technology-related projects or such other initiatives for enhancing the Bank’s operating and service delivery capabilities; operating policies and/or manuals; and endorse for approval of the Board the establishment of branches and/or extension offices as well as domestic or foreign subsidiaries.
The Committee also assumed the functions of the Board Credit Committee and is responsible for the review and approval of the Bank’s loans and investments as well as other credit-related issues. It assesses the viability of credit and investment proposals (except those involving DOSRI or related party accounts), with specific attention to the appropriateness of the credit extension and risks involved. Proposals beyond its approving authority are endorsed to the Board. It also sees to regular BDO ANNUAL REPORT 2009 credit reviews on a per account and portfolio bases, as well as assessments of credit policies and procedures, risk standards, and, where required, dissemination of credit manuals. The Committee meets at least once a week or as often as it may be necessary to resolve all matters referred to it. It is composed of at least three members of the Board including the President, and such members of senior management appointed/designated by the Board.
BOARD AUDIT COMMITTEE Chairman : Teodoro B. Montecillo Members : Corazon S. de la Paz-Bernardo; Henry T. Sy, Jr.; Jimmy T. Tang; and Christopher A. Bell-Knight Adviser : Shirley M. Sangalang 34 The Board Audit Committee acts on behalf of the Board and provides oversight of the Bank’s financial reporting and control as well as its internal and external audit functions. It reviews and assesses the Bank’s annual audit plan, its system of internal controls, and regular financial and audit reports. It also reviews strategic issues relating to plans and policies, financial and system controls, and methods of operation, seeing to their adequacy and pinpointing possible improvements. The internal auditor and the independent external auditor of the Bank report to the Committee. It also exercises oversight over the Bank’s compliance function. The Board Audit Committee meets at least once a month, and is composed of members of the Board, at least two of whom are independent directors, including the Chairman, with accounting, auditing or related financial management expertise or experience. The Committee had a total of 13 meetings in 2009.
COMPENSATION COMMITTEE Chairperson : Teresita T. Sy Members : Corazon S. de la Paz-Bernardo; Josefina N. Tan; and Teodoro B. Montecillo
The Compensation Committee provides oversight on directors’ compensation and remuneration of senior management and other key personnel. It ensures consistency of the compensation policies and practices with the corporate culture, strategy, and control environment of the Bank as well as with peer institutions, and designed to attract and retain qualified and competent individuals. It evaluates and recommends to the Board incentives and other equity-based plans for directors and senior management. The Compensation Committee meets at least once annually, and is composed of at least three members of the Board, one of whom is an independent director.
CORPORATE GOVERNANCE COMMITTEE Chairman : Teodoro B. Montecillo Members : Jesus A. Jacinto, Jr.; Jimmy T. Tang; Christopher A. Bell-Knight; and Antonio C. Pacis
The Corporate Governance Committee assists the Board in shaping the Bank’s corporate governance policies and practices. Besides reviewing and assessing these policies and practices, it recommends applicable guidelines, monitors compliance, and recommends needed adjustments to ensure effectiveness. It also oversees the annual performance self-evaluation of the Board, CORPORATE GOVERNANCE
its committees, and executive management, as well as conducts an annual self-evaluation of its own performance. Where needed, it recommends measures for the directors’ continuing education and succession plan. Moreover, the Committee Chair serves as a resource person in qualifying nominees to the Board, assignment to committees, succession plans for Board members and senior officers, and their remuneration commensurate with corporate and individual performance. The Corporate Governance Committee meets at least once every quarter, and is composed of at least three members of the Board, two of whom are independent directors. The Committee had a total of three meetings in 2009.
NOMINATIONS COMMITTEE Chairman : Henry T. Sy, Jr. Members : Josefina N. Tan; and Jimmy T. Tang
The Nominations Committee provides oversight on the qualifications of all nominees to the Board of Directors as well as appointments to other Bank positions requiring Board approval. It recommends to the Board the slate of nominees for election to the Board of Directors of the Bank during the annual stockholders’ meeting. In case of vacancy/ies in BDO ANNUAL REPORT 2009 the Board of Directors, the Committee seeks qualified nominees and recommends them to the Board for appointment. The Nominations Committee meets at least once a year, and is composed of at least three members, one of whom is an independent director. The Committee had one meeting in 2009.
RISK MANAGEMENT COMMITTEE Chairman : Nestor V. Tan Members : Teodoro B. Montecillo; and Christopher A. Bell-Knight Adviser : Jesus G. Tirona
The Risk Management Committee is responsible for policy development and oversight of the Bank’s credit, market and 35 operating risk exposures. It oversees the system of limits of discretionary authority delegated by the Board to management, ensuring that the limits are observed and breaches, if any, are immediately corrected. The Committee also establishes the framework for reporting risk to the Board including the assessment of the probability and potential impact of each identified risk exposure to the Bank. These reports include information on portfolio concentrations, value at risk measurements, and breaches on limits. Considering the importance of credit risk, the Executive Committee approves counter-party credit risk under the guidance of established policies, procedures, and guidelines set by the Risk Management Committee. The Committee meets at least once a month, and is composed of three members of the Board with risk expertise and adequate knowledge of the Bank’s operational risk exposures. The Committee had a total of 12 meetings in 2009.
TRUST COMMITTEE Chairperson : Josefina N. Tan Members : Teresita T. Sy; Nestor V. Tan; Antonio C. Pacis; and Ador A. Abrogena
The Trust Committee, acting within the limits set by the Board of Directors, is authorized to review and approve transactions between trust and/or fiduciary accounts, to accept and close trust and other fiduciary accounts, and to approve the investment, reinvestment, and disposition of funds or property. It evaluates trust and other fiduciary accounts at least once a year to determine compliance with the instrument creating the trust or other fiduciary relationship, as well as the advisability of retaining or disposing the trust or fiduciary assets. The Trust Committee meets at least once a month, and is composed of five members. Of the five members, three are members of the Board of Directors who are not operating officers of the Bank or members of the Board Audit Committee, the President, and the Trust Officer. The Committee had a total of 12 meetings in 2009. Lucy C. Dy Executive Vice President / Comptroller President Vice Executive President Nestor V. Tan V. Nestor Teresita T. Sy T. Teresita Chairperson of the Board
Signed under oath by the following: under oath by Signed Punongbayan & Araullo, the independent auditors appointed by the stockholders, has examined the financial Araullo, the independent auditors appointed by & Punongbayan on opinion its expressed has and Auditing on Standards Philippine with accordance in Bank the of statements and Directors of Board the to report its in examination, such of completion upon presentation of fairness the stockholders. The Board of Directors reviews the financial statements before such statements are approved and submitted to the are approved such statements reviews financial statements before the Directors of The Board stockholders of the Bank. In this regard, management maintains a system of accounting and reporting which provides for the necessary which provides a system of accounting and reporting management maintains this regard, In against safeguarded assets are and recorded, authorized properly are that transactions to ensure internal controls Bank’s The management likewise to the discloses recognized. and liabilities are use or disposition unauthorized or operation of internal deficiencies in the design to its external auditor: (i) all significant audit committee and report weaknesses data; (ii) material financial and process, record, to affect its ability that could adversely controls significant who exercise management or other employees and (iii) any fraud that involves in the internal controls; in internal controls. roles The management of Banco De Oro Unibank, Inc. and subsidiaries is responsible for all information and responsible for all information and subsidiaries is Inc. and Unibank, Oro De Banco of The management and 2008. 31, 2009 ended December for the years contained in the financial statements representations ThePhilippines in the reporting standards in conformity with financial been prepared statements have financial of management with an estimates and informed judgment based on the best are amounts that for banks and reflect to materiality. consideration appropriate FOR FINANCIAL STATEMENTS FOR FINANCIAL STATEMENT OF MANAGEMENT’S RESPONSIBILITY STATEMENT
BDO ANNUAL REPORT 2009 161636 REPORT OF INDEPENDENT AUDITORS
To the Board of Directors and to the Stockholders Banco De Oro Unibank, Inc. BDO Corporate Center 7899 Makati Avenue, Makati City
We have audited the accompanying financial statements of Banco De Oro Unibank, Inc. and subsidiaries (together hereinafter referred to as the BDO Unibank Group) and Banco De Oro Unibank, Inc. (the Parent Bank), which comprise the statements of financial position as at December 31, 2009 and 2008, and the statements of income, comprehensive income, changes in equity and cash flows for each of the three years in the period ended December 31, 2009, and notes to financial statements comprising of a summary of significant accounting policies and other explanatory notes.
Management’s Responsibility for the Financial Statements
Management is responsible for the preparation and fair presentation of these financial statements in accordance with the financial reporting standards in the Philippines for banks as described in Note 2 to the financial statements. This responsibility includes: designing,
implementing and maintaining internal control relevant to the preparation and fair presentation of financial statements that are free from BDO ANNUAL REPORT 2009 material misstatement, whether due to fraud or error; selecting and applying appropriate accounting policies; and making accounting estimates that are reasonable in the circumstances.
Auditors’ Responsibility
Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits in accordance with Philippine Standards on Auditing. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance whether the financial statements are free from material misstatement.
An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial 37 statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.
We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.
Opinion
In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of BDO Unibank Group and of the Parent Bank as of December 31, 2009 and 2008, and their financial performance and their cash flows for each of the three years in the period ended December 31, 2009, in accordance with financial reporting standards in the Philippines for banks as described in Note 2 to the financial statements.
PUNONGBAYAN & ARAULLO
By: Benjamin P. Valdez Partner CPA Reg. No. 0028485 TIN 136-619-880 PTR No. 2087602, January 4, 2010, Makati City Partner’s SEC Accreditation No. 009-AR-2 BIR AN 08-002511-11-2008 (Nov. 25, 2008 to 2011)
Firm BOA/PRC Cert. of Reg. No. 0002 Firm SEC Accreditation No. 002-FR-2
February 27, 2010
- 2008 28,160 53,260 14,314 12,886 53,260 32,011 14,881 20,146 59,940 43,242 467,590 708,366 142,092 P 21,763 P 761,626 P 761,626 P 612,967 - Parent Bank Bank Parent 2009 30,917 62,572 12,805 13,058 62,572 38,136 14,611 23,152 62,864 21,519 497,302 752,612 153,262 P 30,365 P 815,184 P 815,184 P 669,805
562 2008 22,444 57,774 15,234 14,676 57,212 35,922 17,102 20,146 62,669 51,436 491,986 744,258 156,151 P 21,770 P 802,032 P 802,032 P 636,754 635 2009 24,761 67,887 13,834 14,732 67,252 44,917 16,732 23,152 64,833 31,415 30,544 BDO Unibank Group Group BDO Unibank 524,901 794,162 171,712 P P 862,049 P 862,049 P 694,678 9 8 7 7 13 12 11 19 10 18 17 16 15 Notes See Notes to Financial Statements. to Financial Notes See
Non-controlling Interest Non-controlling Shareholders of the Parent Bank of the Parent Shareholders
Attributable to: Attributable Total Liabilities Total TOTAL RESOURCES TOTAL TOTAL LIABILITIES AND EQUITY LIABILITIES TOTAL OTHER RESOURCES - Net RESOURCES OTHER INVESTMENT PROPERTIES - Net INVESTMENT PROPERTIES PREMISES, FURNITURE, FIXTURES PREMISES, FURNITURE, FIXTURES - Net AND EQUIPMENT EQUITY LOANS AND OTHER RECEIVABLES - Net - Net RECEIVABLES AND OTHER LOANS TRADING AND INVESTMENT SECURITIES LIABILITIES OTHER DUE FROM OTHER BANKS OTHER DUE FROM PAYABLE NOTES SUBORDINATED DUE FROM BANGKO SENTRAL NG PILIPINAS BANGKO DUE FROM BILLS PAYABLE LIABILITIES AND EQUITY DEPOSIT LIABILITIES RESOURCES CASH ITEMS CASH AND OTHER STATEMENTS OF FINANCIAL POSITION OF FINANCIAL STATEMENTS 2008 31, 2009 and December Pesos) in Millions of Philippine (Amounts
BDO ANNUAL REPORT 2009 38 BDO ANNUAL REPORT 2009 39 2007 2,634 3,802 10,305 22,908 16,758 16,455 20,257 14,978 (Note 26) (Note P 3.36 P 3.36 P 7,671 P 35,235 958 2008 2,437 5,171 25,892 11,810 16,519 21,690 18,043 P 0.63 P 0.64 P 1,479 P 39,733 Parent Bank Bank Parent 2009 1,263 7,619 5,775 28,811 14,375 22,055 27,830 17,181 P 2.60 P 2.71 P 6,356 P 45,011 2.85 2.86 2007 52 2,847 9,417 24,760 16,858 17,319 4,118 21,437 16,167 P P P 6,570 P 6,518 P 6,570 P 37,603 56 0.93 0.95 2,238 2,182 2,238 1,445 3,683 5,232 2008 27,852 13,731 17,804 23,036 19,323 42,359 P P P P P P 66 BDO Unibank Group Group BDO Unibank 2009 1,659 7,760 6,153 32,129 15,483 24,406 30,559 18,251 P 2.47 P 2.57 P 6,101 P 6,035 P 6,101 P 48,810 See Notes to Financial Statements. to Financial Notes See 28 28 27 22 22 14 21 20 Notes Diluted Basic Non-controlling Interest Non-controlling Shareholders of the Parent Bank of the Parent Shareholders Earnings Per Share: Earnings Per Attributable To: To: Attributable NET PROFIT TAX EXPENSE EXPENSE TAX PROFIT PROFIT BEFORE TAX OTHER OPERATING EXPENSES OPERATING OTHER OTHER OPERATING INCOME INCOME OPERATING OTHER NET INTEREST INCOME NET INTEREST INCOME LOSSES AFTER IMPAIRMENT IMPAIRMENT LOSSES - Net - Net LOSSES IMPAIRMENT NET INTEREST INCOME INTEREST EXPENSE INTEREST INCOME STATEMENTS OF INCOME STATEMENTS and 2007 31, 2009, 2008 Ended December For the Years Data) Except Per Share Pesos in Millions of Philippine (Amounts MANAGEMENT DIRECTORY
BOARD OF DIRECTORS PRESIDENT & DIRECTOR CORPORATE SECRETARY Nestor V. Tan Edmundo L. Tan CHAIRMAN EMERITUS Henry Sy, Sr. DIRECTORS ADVISERS TO THE BOARD Christopher A. Bell-Knight Senen T. Mendiola CHAIRPERSON Lee Wai Fai Alberto V. Reyes Teresita T. Sy Teodoro B. Montecillo (Independent) Jose T. Sio Antonio C. Pacis Washington Z. Sycip VICE CHAIRPERSONS Henry T. Sy, Jr. Jesus G. Tirona Corazon S. de la Paz-Bernardo Josefina N. Tan Jesus A. Jacinto, Jr. Jimmy T. Tang (Independent)
REPORTING TO THE SENIOR ASST. SENIOR VICE PRESIDENT Domingo A. Ramos, Jr. BDO ANNUAL REPORT 2009 BOARD VICE PRESIDENTS Angelita O. Cortez Robert W. Sy Donabel R. Aala SENIOR VICE PRESIDENT Janet S. Cahilig FIRST VICE PRESIDENTS FIRST VICE PRESIDENTS Shirley M. Sangalang Samuel D. Esguerra Alexander G. Francisco Wilma N. Berioso Advisor to the Board Audit Lydia D. King Susie S. Cham Committee ASST. VICE PRESIDENTS Edna Christine P. Cruz Romeo B. Cirio VICE PRESIDENTS Lamberto B. Del Fonso, Jr. SENIOR ASST. Mariflor Antonette Z. Ferrer Roy Allan V. Magturo Noel D. Dizon VICE PRESIDENT Rodolfo G. Lim Felix A. Martin Renato S. Gongora Rita V. Coronel Ramon R. Loreto, Jr. Mario D. Rabanal Lily C. Huang Reporting to the Board Audit Ludelyn F. Morada Ma. Cecilia G. Lantin Committee Advisor 40 Jaime Claro L. Weber SENIOR ASST. Benjamin A. Larin, Jr. VICE PRESIDENT Merceditas P. Montesclaros ASST. VICE PRESIDENT OFFICE OF THE CORPORATE Ma. Cecilia S. Santos Yolanda A. Pilapil Joselito A. Macob SECRETARY Reporting to the Board Audit Rita Y. Poa Committee Advisor ASST. VICE PRESIDENTS Ma. Theresa S. Simbul Edmundo L. Tan Gerardo I. Banzon Teresita C. Siy Corporate Secretary VICE PRESIDENT Carlos L. Buenaventura Judy C. Tan
Genevieve WJ. Go Ma. Imelda S. Buzon Lorna A. Tan Sabino E. Acut, Jr. Ramon Alberto B. Gatmaytan Joy T. Yap Asst. Corporate Secretary COMPLIANCE Francisco Gerardo C. Llamas Joseph Gerard E. Mabilog VICE PRESIDENTS VICE PRESIDENT SENIOR VICE PRESIDENT Benjamin V. Teodoro, Jr. Regina Flor V. Alba Mario D. Rabanal Jose Luis F. Bautista Victor C. Arboleda Asst. Corporate Secretary Compliance Officer RELATIONSHIP Regina G. Caynap MANAGEMENT Lillian I. Cruz EXECUTIVE OFFICE VICE PRESIDENT Ma. Victoria F. Dela Cruz BRANCH BANKING Anthony R. Milan OFFICE OF THE PRESIDENT Albert G. Dizon Crispin G. Domingo INTERNAL AUDIT EXECUTIVE VICE PRESIDENT George R. Dosado SENIOR VICE PRESIDENT Jaime C. Yu Rolando A. Embrador Rebecca S. Torres Emmanuel Antonio R. Gomez SENIOR VICE PRESIDENT Chief of Staff Edel Mary D. Vegamora SENIOR VICE PRESIDENTS Peter S. Lo, Jr. Chief Internal Auditor CORPORATE COMPLIANCE Beatriz L. Bagsit Ma. Dolores P. Magsalin AND LEGAL SERVICES Antonina M. Cabuyadao Wilhelmino R. Mendoza VICE PRESIDENTS Ramon S. David Felicitas C. Nonato Geronimo D. Diaz Romeo G. Pangan Rosalisa K. Alindahao EXECUTIVE VICE PRESIDENT Lesmes L. Garate Ester A. Recio Ronald M. Manalastas Ricardo V. Martin Anna Marie M. Pabellon Ruby G. Lim Victorina S. Ros Ma. Corazon A. Mallillin Rolando S. Santos Ramon T. Militar Antonio U. Tan Annie H. Ngo Divina N. Tan MANAGEMENT DIRECTORY
Ma. Margaret N. Tan Lydia S. Arrieta Glenn Birch G. Ong VICE PRESIDENTS Don Elecci B. Torno Jerome I. Austria Rosalina G. Ong Pedro C. Bautista, Jr. Maria Dolores C. Uyliapco Gertrudes D. Balagot Josefa P. Ortiz Maria Clara D. Chua Dandy T. Yap Elizabeth B. Bautista Ma. Alma Ruth M. Paraiso Rolando L. Dillague Alice C. Yu Lizza G. Baylon Jocelyn T. Paz Ma. Fe H. Dy Rose R. Beltran Roman M. Perez Joseph Rhoderick B. Lledo SENIOR ASST. Teresita B. Bermillo Cyrus M. Polloso Emily T. Oquias VICE PRESIDENTS Edgardo F. Blanco Cynthia A. Puno Stephen O. Santos Helen R. Abad Evangeline G. Borja Marieflor A. Quirim Marites L. Tan Gloria T. Alcala Liza Z. Bugay Priscilla T. Reyes Aimee A. Yu Apollo R. Alquiza Emmanuel A. Camua Roberto H. Reyes Mary Ann A. Ambrosio Cheryl A. Capili Antonio D. Rona SENIOR ASST. Jocelyn A. Ang Policarpio R. Carlos Ella Concepcion U. Roxas VICE PRESIDENTS Felina M. Arellano Marilou N. Cayanan Merlita T. Rubio Anna Marie M. Benipayo Olivia A. Barcarse Pacita O. Cham Gerard R. Santos Helen T. Chua Jimmy A. Belarmino Veronica T. Chan Go Maria Divina C. Sicat Salva Fe S. Cirilos Mary Jean T. Borbe Carmelita C. Ching Gerardo C. Soriano Marirose A. Fernando Ma. Corazon N. Casanova Jeanne K. Ching Amy T. Te Alberto V. Lizares BDO ANNUAL REPORT 2009 Estrelita B. Coronel Julio M. Chiong Dolly C. Teo John Emmanuel M. Lizares Prescilla J. Cruz Christine T. Chow Armando J. Uy Sophia O. Ong Iris Susan F. De Guzman Alona S. Chua Josephine G. Valdez Carla Sherrylyn C. Papa Priscilla R. De Villa Keith H. Chua Margaret C. Young Ray R. Reyes Elizabeth G. Estrada Nerida S. Chua Leeking S. Yu Fe R. Felix Riasa A. Chua ASST. VICE PRESIDENTS Perlita S. Flores Linda B. Corpus INSTITUTIONAL BANKING Virginia N. Abad Ma. Karla F. Kallos Magdalena D. Cruz Carlos S. Alindogan Michelette S. Legaspi Carmelita C. David SENIOR EXECUTIVE Jeffrey O. Ang Lilian Leslie T. Lim Loretto C. De Austria VICE PRESIDENT Zenaida P. Ang Gaudencio F. Mendoza Ermie I. De Los Reyes Walter C. Wassmer Dory C. Apacible 41 Christina T. Nakanishi German C. De Ocampo Edwin L. Chua Nancy T. Ong Ellie Cecilia R. Dizon EXECUTIVE Sue Anne N. Chuongco Rebecca C. Paguia Leila D. Dumlao VICE PRESIDENTS Sonia C. Co Leo Nathaniel M. Reyes Charlotte U. Dy Julie Y. Chua Jane N. Cua Pamela Ann S. Reyes Francis Javier P. Ejercito Gerard Lee B. Co Vicente A. De Ocampo III Edna T. Rogando Ma. Elena J. Fernandez Edmundo S. Soriano Katherine L. Go Marie Anne C. Santos Rommel S. Gomez Aristotle L. Villaraza Sheryll O. Luy Jaime A. Talingdan Asuncion V. Gundran Albert Henry G. Rios Catherine C. Tan Agnes F. Jamias SENIOR VICE PRESIDENTS Quintin C. San Diego, Jr. Grace C. Tan Armando P. Jardeleza Nenita C. Indiongco Bernard Q. Santos Diosdado R. Teh Eduardo T. Juan Jeanette S. Javellana William P. Zulueta Marilyn G. Tin Nanny G. Lee Lilia E. Lising Ma. Rosita J. Tinio Caesar A. Lejano Maria Rhoda B. Orsolino PRODUCT Evelyn F. Torres Felicitas S. Leonor Charles M. Rodriguez MANAGEMENT Raquel M. Trinidad Ma. Jeanette H. Leonor Edward G. Wenceslao Zenaida A. Triunfante Carmelita G. Limpin Ma. Teresita Susana L. Yap ASSET MANAGEMENT Raul B. Vivas Ana C. Llorente Joel T. Yee Ralph L. Macaspac FIRST VICE PRESIDENTS EXECUTIVE VICE PRESIDENT Vivian D. Malonjao Marilou L. Cesario Horacio C. Rodriguez, Jr. ASST. VICE PRESIDENTS Christine Y. Mamonluk Myrianne Joan D. Gonzales Irma I. Acayan Lilia N. Manalang Manuel Z. Locsin, Jr. SENIOR VICE PRESIDENT Jose Emilio M. Alcalde Evangeline G. Manalastas Edelwina Victoria E. Millan Jonathan C.B. Go Rogelio C. Alcantara Ma. Paz Gladina B. Marquez Susan C. Ong Edgardo L. Alcaraz Jose Marlo Jude A. Moises Ma. Aurora G. Panopio FIRST VICE PRESIDENTS Jose Virgilio O. Alvarez Francis Ali B. Morales Cerwina Elenore A. Santos Mary Ann C. Guerra William A. Amelliam Mary Ann R. Munar Virginia N. Sy Ma. Bella C. Paguiligan Apolinario E. Aquino Mercedita J. Nablo Reynaldo A. Tanjangco, Jr. Jasmin W. Aquino Lucila R. Nabong Agnes C. Tuason Ronald C. Arceo Ma. Luisa G. Nuqui Margaret L. Yu Aldamuel S. Armonio Federlina F. Ong EXECUTIVE VICE PRESIDENT A. Abrogena Ador SENIOR VICE PRESIDENTS Vera De T. Lourdes Ma. Fausto Marvin V. FIRST VICE PRESIDENTS L. Andrada Noel Carina S. Antonio Maria Buendia V. Rita D. Esguerra Rolando VICE PRESIDENTS Armina C. Empeño Jr. Z. Mendoza, Proceso SENIOR ASST. VICE PRESIDENTS L. Aclan Fitzgerald C. Agajan Edna G. Almendral Susan Leticia L. Ang Ley J. Atienza Marie Susan V. Barbara Cristina Ma. Concepcion M. Escala Joel Carina P. Ma. Florencia Esguerra VICE PRESIDENTS B. Briones Eleanor Maria M. Florencio Bernard Khu T. Lilian C. Ramos Eduardo L. Ravelas Jonathan Po Keng Mary Lou D. Son Edna R. Tarroza Teh O. Alice Ong SENIOR ASST. VICE PRESIDENTS O. Buendia Julius D. Mariano Elena R. Reyes Ana Elena Ma. Velasco C. Teresa Maria VICE PRESIDENTS ASST. Alapan Anne R. Nadine L. Basco Gerard Jon J. Concepcion Maristel Camille G. Peli Teresa U. Ramos Dina Tenorio Lei D. Therenze Virola F. Suzette Abigail M. Zagala Yvonne Jeannette AND INVESTMENTS TRUST EXECUTIVE VICE PRESIDENT III M. Florescio Pedro SENIOR VICE PRESIDENTS A. Alano Ursula Santos H. Delos Montiel K. Go Marilyn D. Martin Dalmacio FIRST VICE PRESIDENTS III A. Evora Paul C. Fernandez Belinda S. Salazar Luisito B. Sugay Noel FIRST VICE FIRST VICE PRESIDENTS C. Diokno Jonathan J. Pascual Rosalina S. Salva Ophelia VICE PRESIDENTS Gloria T. Geneva C. Lara Rafael Martin Jr. R. Marcelo, Edgardo SENIOR ASST. VICE PRESIDENTS M. Brion Dominique Marc Jr. L. Pereche, Juvencio Raoul L. Reniedo S. Reyes Edgardo Tiambeng ArthurKen J. Wong S. Jay VICE PRESIDENTS ASST. Agbulos P. Leslie Marie Almeda Leonides C. Jose Jr. Basaliso, V. Romulo B. Beltran Benedict S. Bobiles Manuel B. Domingo Daniel Alex A. Dulay Allan M. Geronimo M. Granatin Grace Hodin W. Rowena Lopez T. Vicente Alexis B. Marquez Jose Lizza R. Marquez Morcillo P. Rolin A. Pobre Natividad Maria R. Sajor Marie Rutchel Tong Melissa F. Villagonzalo Rafael P. TREASURY
Norman H. Lee Norman SENIOR ASST. SENIOR ASST. VICE PRESIDENT C. Chua Terence VICE PRESIDENTS ASST. Estrada T. Nancy A. Ferreria Lynne Tessie Rex CS. Tong BANKING TRANSACTION SENIOR EXECUTIVE VICE PRESIDENT Antonio N. Cotoco VICE PRESIDENT & SENIOR GENERAL MANAGER ASST. VICE PRESIDENTS ASST. Cabañero T. Rosa Lydia Kimberly K. Chua C. Cordero Corazon E. Daez Eleanor Agnes O. David Rosario B. Del Mamerto Cruz I. Dela Elvinnia A. Gatela Modesto Michael L. Golez George Michael S. Gonzalez Nathaniel Jose Hernando P. Andre Marc Imada C. Erlinda Grace Liza R. Lopez Mona Ma. R. Madrelejos Prima A. Manalansan Roberto A. Marabut Victoria Ma. M. Masanque Mary Myleen Miranda P. Susan Papasin A. Rozelle Maria Juan C. San Rodrigo Cherie S. Sia Khristine M. Siayngco Wenceslao O. Richard HONG KONG SENIOR VICE PRESIDENTS G. Estela, Jr. Ismael M. Nasol Jaime Raul N. Natividad B. Ng Divina Ma. E. Palad Arnaldo Emerito A. Reyes Myra G. Rubio Fatima Corazon Arsenia S. Santos B. Santos Jennifer Liza B. Sevidal Ma. Tolentino R. John Robert
MANAGEMENT DIRECTORY MANAGEMENT Armi Violeta S. Agoncillo Violeta Armi Lelisa R. Bouazzi S. Britanico Eloisa Ma. Cabo P. Barbara S. Chan Edmund L. Coleco Fatima Ma. Lily Ann C. Cuenco Katrina G. Datoc Maria Mary Cruz Ann G. Dela M. Gilbert Noel Lorenzo III Gallegos R. Gonzalez Victoria Paz Ma. SENIOR ASST. SENIOR ASST. VICE PRESIDENTS VICE PRESIDENTS Amor E. Alimbuyuguen Dulce Agnes R. Aragon Maria D. Casanova Marie Abigail Gwyneth M. Entao M. Lacsamana Emma G. Lastimosa Grace C. Liggayu Geraldine M. Navarro Jessica Sarah Ramos P. Gilbert L. So Philip R. Untalan Myla Valdez Lolita A. FIRST VICE PRESIDENTS I. Elido Imelda Angelita C. Manulat A. Raya Rogel R. Regala Nannette Maria Rivera P. Audrey Susan Ma. Ophelia L. Camiña Ophelia Ma. M. Limson Mercedes C. Pamatmat Virgilio Antonio O. Peña Rolando Rolando C. Tanchanco SENIOR VICE PRESIDENTS EXECUTIVE VICE PRESIDENT LENDING CONSUMER ASST. VICE PRESIDENTS ASST. R. Apilado Emmanuel C. Brabante Adelo Mary C. Go Liceria O. Ingcoco N. Rivera Robert Yulo Catherine D. Maria Antonio M. Cruz M. Macabanti Ferdinand SENIOR ASST. SENIOR ASST. VICE PRESIDENTS
BDO ANNUAL REPORT 2009 42 BDO ANNUAL REPORT 2009 43 SENIOR VICE PRESIDENTS Mary Jean A. Ibuna Mary Jean VICE PRESIDENTS ASST. S. Christina Maureen Dinglasan Valero S. Milagros Maria ASST. VICE PRESIDENTS ASST. La Cruz B. De Salustiano A. Gambol Zenaida S. Oasan Noelle Ma. U. Rabor Melissa D. Raymundo Rosario S. Santana Francisco Miguel Loreto D. Villaluz MARKETING COMMUNICATIONS SENIOR VICE PRESIDENT Rafael G. Besa FIRST VICE PRESIDENT Rosola A. Vivas VICE PRESIDENTS D. Lim Maurice Jr. Vista, B. Francisco SENIOR ASST. VICE PRESIDENT Ramon Eduardo E. Abasolo Ramon Eduardo L. Jao Elena Maria Arthur L. Tan FIRST VICE PRESIDENT R. Hernandez Enrico VICE PRESIDENTS J. Bondad Patricio Manuel Jr. C. Bucao, Rolino Lansang F. Jennie Cecilia C. Maravilla Anthony B. Rivera SENIOR ASST. VICE PRESIDENTS R. Angeles Elpidio R. Angeles Ophelia Ma. Arambulo T. Crizelda Ma. Buenaventura VI Conrado T. C. Eriga Rolando L. Ladrido IV Ernesto L. Parong Rommel H. Socorro Corazon Ma. INFORMATION INFORMATION TECHNOLOGY MANAGEMENT DIRECTORY MANAGEMENT
Lazaro Rhoda P. Mary C. Muñoz Ann Anita U. Mustera Anthony M. Orendain Mark Peralta G. Theresa Ma. C. Santos Erlinda PLANNING & CORPORATE RELATIONS INVESTOR EXECUTIVE ADVISER FOR EXECUTIVE ADVISER PLANNING CORPORATE G. Ocampo Clarissa Emerita RESOURCES HUMAN SENIOR VICE PRESIDENT Toledo F. Perla FIRST VICE PRESIDENTS M. Go Yolanda C. Salagubang Evelyn VICE PRESIDENT SENIOR ASST. VICE PRESIDENTS M. Espinosa Rosemarie Florendo V. Aquillo Florencio D. Soriano Ronaldo VICE PRESIDENTS ASST. C. Aguilar Marelene Babiera S. Gina Angela R. Cinco O. Claveria Mary Marjorie R. Fortun Sidney Palamos Edward Peren F. Rosalina Jocelyn A. Talingdan SENIOR VICE PRESIDENT Jr. S. Reyes, Luis FIRST VICE PRESIDENTS D. Avellanosa Onofre Richard R. Tan VICE PRESIDENT M. Castro Aurora VICE PRESIDENTS ASST. Bautista V. Rodora Jr. J. Carlota, Federico Salvador Esmeraldo S. Tiburcio Margarita M. Tobias Melissa A. Alcantara Melissa ASST. VICE PRESIDENTS ASST. Jr. Balignasa, P. Emiliano Bautista V. Judith Ma. R. Celestino Lucila Chan Y. Caroly S. Delizo Ricardo M. Gasatan Simplicio VICE PRESIDENTS Lolita L. Damasco Mazo Thelma D. Aniana A. Timbre SENIOR ASST. VICE PRESIDENTS B. Bagnes Janet A. Cruz Ruby I. Geollegue Marcelita Jr. Lazona, F. Avelino J. Lising Normita Melo Ariel T. Nopia T. Cynthia Resol T. Nelia Reyes P. Evangeline Rosales F. Theresa Ma. Roxas Lily T. Lucy C. Dy Lucy FIRST VICE PRESIDENTS C. Cruz Lucila Ma. Cesario C. Dayego G. Ngo Cristina Larry G. Ong Arnold M. Alberto A. Alvarez Danilo C. Basco Rogelio C. Basconcillo Edgar Argeo B. Cantillana A. Gregorio Gabriel Gerardo Lee T. Edith B. Lopez Emmanuel Carina M. Matute Jr. L. Miciano, Vicente III B. Naraval Emilio Who B. Olandez Reyes T. Evangeline Maria S. Santiago Felix Sim T. Melanie Beverly I. Suarez Geraldine COMPTROLLERSHIP EXECUTIVE VICE PRESIDENT ASST. VICE PRESIDENTS ASST. Tomas Marissa F. Luzviminda M. Vidal Yap Rafael T.
Benilda G. Cabardo Benilda D. Chua Eugenio J. Co Luisa S. Jumaquio Simeon Diego S. San Rolando D. Simbulan Corazon Ma. SENIOR ASST. SENIOR ASST. VICE PRESIDENTS Jocelyn D. Agas Jocelyn Artillaga P. Melissa Flor A. Bautista Marites B. Desembrana Dina Ma. Cezar G. Domingo L. Maceda Pia Maria E. Sarreal Jovencio Joel Tumolva M. Therese Wendeline VICE PRESIDENTS FIRST VICE PRESIDENTS C. Abad Belinda A. Chua Ruby S. Montejo Imelda Aurea C. Severino Gregorio Celia D. Sotto Tioseco P. Mercedes Ma. Dennis B. Velasquez SENIOR VICE PRESIDENT H. Luistro Emerenciana EXECUTIVE VICE PRESIDENT SUPPORT & DELIVERY ASST. VICE PRESIDENTS ASST. Abad F. Martin Gerard D. Apasan Marcelita E. Balagtas Edmund Dennis C. Anthony Emmanuel Dios De C. Hilario Cynthia S. Idea Camille Zinna Kabigting Anabelle F. A. Luague Maripaz Palanca C. Milagros Ma. A. Romero Marissa G. Sa-a Jocelyn A. Samson Prescy Talan B. Ryanna Maria Taruc B. Lourdes Ma. Dios De Vergel S. Maribel Sharon Mae S. Vicente Vicente S. Mae Sharon Adora Yanga A. CENTRAL OPERATIONS MANAGEMENT DIRECTORY
RISK MANAGEMENT SUBSIDIARIES SENIOR VICE PRESIDENTS BDO LEASING & FINANCE, Eleanor M. Hilado INC. EXECUTIVE VICE PRESIDENT ARMSTRONG SECURITIES, Gabriel U. Lim Evelyn L. Villanueva INC. CHAIRPERSON VICE PRESIDENTS Teresita T. Sy SENIOR VICE PRESIDENTS CHAIRMAN Michael R. Cahigas Melanie S. Belen Tony O. King Noemi T. Villanueva VICE CHAIRMAN & Jose Alfredo G. Pascual MANAGING DIRECTOR Arsenio L. Severino PRESIDENT SENIOR ASST. Antonio N. Cotoco Grace A. Sumalpong Eleanor M. Hilado VICE PRESIDENT Edwin R. Tajanlangit Nilo C. Sampayo PRESIDENT TREASURER Roberto E. Lapid FIRST VICE PRESIDENTS Ricardo V. Martin ASST. VICE PRESIDENTS Maria Elisa A. Franco Barbara May M. Billano CORPORATE SECRETARY Jesus A. Mañego, Jr. ASST. TREASURER John B. Escolin Richard Anthony D. Alcazar Alejandro R. Sumayao Noemi T. Villanueva Francisco Eduardo A. Angelita C. Tad-y Sarmiento ASST. CORPORATE BDO ANNUAL REPORT 2009 CORPORATE SECRETARY SECRETARY VICE PRESIDENTS Antonio C. Pacis BDO INSURANCE BROKERS, Joseph Jason M. Natividad Ma. Milagros R. Alindogan INC. Maria Cecilia M. Avila ASST. CORPORATE FIRST VICE PRESIDENT & Rodolfo M. Carlos, Jr. SECRETARY CHAIRMAN & PRESIDENT TREASURER Milagros K. Chua Mario D. Rabanal Jesus A. Jacinto, Jr. Renato G. Oñate Gertrudes J. Lumain Emily D. Samoy SENIOR ASST. TREASURER FIRST VICE PRESIDENTS VICE PRESIDENT Larry G. Ong Gerard M. Aguirre SENIOR ASST. Nilo C. Sampayo Vicente C. Rallos VICE PRESIDENTS CORPORATE SECRETARY 44 Ana Marie R. Acuña ASST. VICE PRESIDENT Elmer B. Serrano SENIOR ASST. Peter Blair S. Agustin James T. Chua VICE PRESIDENTS David M. Dela Cruz ASST. CORPORATE Rosario C. Crisostomo Edric B. Fernandez BDO CAPITAL & SECRETARY Ma. Theresa M. Soriano Victoriano F. Inocentes, Jr. INVESTMENT CORP. Joseph Jason M. Natividad Eva M. Paz ASST. VICE PRESIDENTS Maria Martha B. Roxas CHAIRPERSON SENIOR VICE PRESIDENTS Edwin R. Aquino Teresita T. Sy Francisco P. Ramos Sergio M. Ceniza ASST. VICE PRESIDENTS Maria Theresa L. Tan Corazon S. Chiu Millicent Joie D. Desiderio VICE CHAIRMAN Florecita R. Gonzales Ronaldo J. Fabian Nestor V. Tan FIRST VICE PRESIDENT Edenila D. Tuazon Ma. Teresa E. Flores Rowena A. Ferrer Ismael Andrew P. Isip PRESIDENT BDO PRIVATE BANK, INC. Marietta M. Jamilla Eduardo V. Francisco VICE PRESIDENTS Maria Rosalia O. Llave Laarni C. Santos CHAIRPERSON Flor Jasmin C. Pascual SENIOR VICE PRESIDENT & Ana Liza C. Tan Teresita T. Sy Juvy Ann U. Petilla CHIEF OPERATING OFFICER John Eric M. Pineda Erlaster C. Sotto SENIOR ASST. VICE CHAIRMAN Katherine U. Resari VICE PRESIDENTS Nestor V. Tan Leopoldo T. San Juan SENIOR VICE PRESIDENT Florish M. Gianan Chona C. Solano & TREASURER Helen L. Gochuico PRESIDENT Desi F. Tomas Lazaro Jerome C. Guevarra Racquel Lourdes L. Mendoza Josefina N. Tan Cosme S. Trinidad, Jr. Marivic S. Rojas Maria Paz B. Valeriano CORPORATE SECRETARY Emilia P. Viernes EXECUTIVE VICE PRESIDENT Ma. Lourdes S. Vidal Elmer B. Serrano & TREASURER ASST. VICE PRESIDENTS Bienvenido M. Juat, Jr. ASST. CORPORATE Ronaldo P. Collado SECRETARY Arthur T. Esguerra CORPORATE SECRETARY Joseph Jason M. Natividad Roderico V. Puno BDO ANNUAL REPORT 2009 45 FIRST VICE FIRST VICE PRESIDENT Agustin T. Arlene Joan VICE PRESIDENTS Leah J. Gonzalez Carmela M. Guerrero Maria E. Larger Roussel B. Marpuri Rosano M. Mercurio Luzviminda H. Montelibano Eric G. Reyes Nicolas Francis Soriano V. Nelson Vargas P. Christine Joy Villanueva Louis Cesar C. Leah M. Zamora VICE PRESIDENTS ASST. A. Flores Noel C. Ibañez Emmanuel Antonell S. Interino Catherine E. Peralta J. Peralta Alfred Sadorra Jake J. Jeffrey G. Segunial Aurora Fe Ma. Tan T. Robert Geraldine J. Tiu Valenzuela Angelita B. Vergara P. Marlon Jose
MANAGEMENT DIRECTORY MANAGEMENT
Jonathan C.B. Go Jonathan Janet B. Bagnes Janet Horacio C. Rodriguez, Jr. Rodriguez, C. Horacio Lazaro Jerome C. Guevarra Jerome Lazaro S. Canto Fay Ione Mario D. Rabanal Mario EQUIMARK-NFC DEVELOPMENT CORPORATION Nerissa Gloria C. Berba Gloria Nerissa S. Canto Fay Ione L. Matutina Alan David R. Serrano Salvador Nestor V. Tan Nestor V. Du Bin SENIOR VICE PRESIDENTS TREASURER TREASURER ASST. SECRETARY CORPORATE CORPORATE ASST. SECRETARY CHAIRMAN C. Wassmer Walter OFFICER-IN-CHARGE L. Matutina Alan David SECRETARY CORPORATE CORPORATE ASST. SECRETARY ASST. CORPORATE CORPORATE ASST. SECRETARY CHAIRMAN TREASURER SECRETARY CORPORATE CHAIRMAN PRESIDENT Mario D. Rabanal Mario GE MONEY BANK, INC. B. Serrano Elmer Purita M. Jeanjaquet Purita HOLDINGS EBC STRATEGIC CORPORATION Annie H. Ngo
CORPORATE CORPORATE
Roberto E. Lapid Roberto Lucy C. Dy Lucy Renato G. Oñate Renato Ricardo V. Martin V. Ricardo Mario D. Rabanal Mario Antonio N. Cotoco CHAIRMAN Tan Nestor V. PRESIDENT TREASURER SECRETARY CORPORATE Joseph Jason M. Natividad Jason Joseph SENIOR ASST. VICE PRESIDENTS VICE PRESIDENTS ASST. Chua T. Peter M. Jimenez Jasper BDO STRATEGIC HOLDINGS, INC. (formerly Inc.) EBC Investments, CHAIRPERSON O. LuYm Violeta PRESIDENT C. Sotto Erlaster TREASURER Francisco V. Eduardo SECRETARY CORPORATE Puno V. Roderico ASST. PRESIDENT & OFFICER CHIEF OPERATING TREASURER SECRETARY CORPORATE R. Gonzales Florecita BDO SECURITIES CORP. CHAIRMAN SECRETARY BDO RENTAL, INC. BDO RENTAL, Nilo C. Sampayo Nilo Santana T. Carolina Ma.
Stella L. Cabalatungan Stella ASST. VICE PRESIDENTS ASST. Abola T. Cecilia Ma. C. Chan Rossana Catherine S. Choa A. Dee Anna Patricia Guiang T. Rachelle Ma. Te C. Steven S. Urban Marilyna Vicente B. Uvyhilda Blandina S. Ramon Fortunato Ybiernas III SENIOR ASST. SENIOR ASST. VICE PRESIDENTS C. Carlos Rene Jose Chan T. Karen Valerie I. Estrella Remedios Rowena L. Katigbak Penelope Rochelle Lao Y. Michelle O. Lojo Mary Grace L. Quiroz Edlyn Torres Ma. Ramona T. Beatriz Y. Zalazar Y. Beatriz VICE PRESIDENTS FIRST VICE PRESIDENTS Ariel O. Benavides Gamalielh Cua T. Jonathan L. Go Judy M. Mendoza Noel Jose Agnes B. Santos Tancongco Federico P. Mario D. Rabanal Mario EXECUTIVE VICE PRESIDENT ASST. CORPORATE CORPORATE ASST. SECRETARY Francis Jay F. Nacino F. Jay Francis Clarissa M. Peñalosa I. Rigor Elena Ma. H. Uson Arlene Marie Manuel R. Bengson, Jr. R. Bengson, Manuel Chua Leticia T. R. Dean Teresita Maria Cheryll B. Gaviño D. Go Maribel Sonia B. Lapuz Remedios Ma. Lizares P. Sabino Juan Racquel B. Mañago Clotilde G. Medalla Ma. PRODUCTS AND SERVICES
1. BDO INSURANCE BROKERS, INC. CTS Financing SM Partner Plus 9. FOREIGN CURRENCY DEPOSITS Industrial / Commercial All Risk Export Bills Purchase SM Privileges Dollar Savings Account Fire & Lightning with Allied Perils Export Packaging Credit Visa Distribution Club 60 Dollar Residential and Commercial FX Settlement Visa Purchasing Classic Dollar Dollar Super Saver Business Interruption Sugar Quedan Financing Visa Purchasing Classic Peso Dollar Time Deposit Personal/Comprehensive Receivables Purchase Facility Dollar PRA (Philippine Retirement General/Product Liability 7. WHOLESALE LENDING AND Authority) Time Deposit Contractor’s All Risks 6. CONSUMER LOANS FOREIGN DESKS Mega Savings Dollar Erection All Risks BDO Consumer Loans Structured Trade Finance / Three-Year Dollar Time Deposit Machinery Breakdown BDO Home Loan International Desk Five-Year Dollar Time Deposit Electronic Equipment BDO Contract-to-Sell Financing Japan Desk Third Currency Savings Deposit Motor Vehicle BDO Auto Loan China Desk Third Currency Time Deposit Marine Cargo, Marine Hull and BDO Personal Loan Domestic Wholesale Lending and Aviation BDO Corporate Employee Loan Multilaterals Desk 10. FOREIGN EXCHANGE Surety Bonds (Construction Bond, Program Special Lending Over-the-Counter Purchase / Heirs Bond, etc.) BDO Business Mortgage Loan Funding Facilities Sale of FX Money, Securities & Payroll BDO Credit Cards Countryside Loan Fund (CLF III) Sale of Foreign Currency Fidelity Guarantee MasterCard Countryside Loan Fund – Credit Demand Drafts Banker’s Blanket Bond BDO Shop More MasterCard Support for the Environment, Group Life BDO Classic MasterCard Agribusiness and Small & 11. INVESTMENT BANKING Individual / Group Personal BDO Gold MasterCard Medium Enterprises (CREAM) BDO Capital & Investment Accident BDO Titanium MasterCard Micro, Small and Medium Corporation Travel Personal Accident BDO Platinum MasterCard Enterprises (MSME) Underwriting of debt, equity and
BDO ANNUAL REPORT 2009 Group Health / Hospitalization / BDO Virtual MasterCard Industrial Guarantee & Loan quasi-equity issues HMO American Express Fund (Regular & Special) Bonds & notes offerings American Express Platinum Card Industrial Guarantee & Loan Equity offering (initial public 2. BDO LEASING & FINANCE, INC. American Express Card Fund (Short-Term Credit offering, follow-on offering, Leasing American Express Gold Card Facility) and rights offering, etc.) Financial Lease American Express Corporate Environmental Development Quasi-equity offerings Operating Lease Card Program (EDP) (preferred shares) Amortized Commercial Loan (ACL) American Express Corporate Logistics Infrastructure Loan Syndication Installment Paper Purchase (IPP) Gold Card Development Program (LIDP) Project Finance Floor Stock Financing American Express Credit Card Other Industrial Loan Program Securitization Factoring American Express Gold Credit (JBIC 6) Private placement of debt and Card BSP Rediscounting Facility equity 3. BDO PRIVATE BANK American Express Platinum SBGFC - SME Funding for Financial Advisory Peso and Foreign Currency Credit Card Investments in Regional Mergers and Acquisitions Settlement Accounts Cathay Pacific American Express Markets (FIRM) Direct Investments 46 Securities Custody and Credit Card SBGFC - SME Funding Access Debt Securities and other Safekeeping Accounts Cathay Pacific American Express for Short-Term Loans (FAST) Financial Assets Brokering Deposits Elite Credit Card SSS Special Financing Program and Dealership Securities Broking Visa SSS Industry Loan Program BDO Securities Corporation Foreign Exchange BDO Visa Classic SSS Financing Program for Equity Securities Brokering Derivatives BDO Visa Gold Hospitals and Dealership Consolidated Cash and JCB SSS Financing Program for Securities Statement BDO JCB Classic Schools 12. MISCELLANEOUS SERVICES Wealth Advisory Services BDO JCB Gold SSS Financing Program for Bills Payment Services Financial Planning Co-Brand and Affinity Credit Cards Tourism Projects Peso Billers Financial Asset Consolidation Home MasterCard Guarantee Facilities Aboitiz One Inc. Investment Advisory and ICAAA SBGFC - Clean Loan Guarantee Aboitiz Transportation System Management Royal Trust Facility Abundance Providers and Purpose Trust Tagaytay Highlands SBGFC – Collateral-Short Entrepreneurs Corp (APEC Trust and Estate Advisory Services Xavier Guarantee Facility Plans) Tie-Up Credit Cards SBGFC – Collateral-Sharing Ace Insurance 4. CARD PRODUCTS Asia Trust Guarantee Facility AIU Insurance (Phils.) Debit Cards Banco Filipino PhilExim - Pre-Shipment & Company Inc. BDO Smarteller ATM Card Bank of Commerce Post-Shipment Export Finance Alpha Financial Services BDO ATM Debit Card Mastercard GE Money Guarantee Program Group Inc. BDO ATM Debit Card Paypass Land Bank PhilExim - Term Loan Guarantee American Express Bank Phils Inc. BDO ATM Debit Card Visa PNB Program (TLGP) APO Cement Corp. (CEMEX Fasteller Prudential Life PhilExim - General Facility Group) Speedteller Corporate Credit Cards Program Asia Pacific E-Serv Corp. Pre-Paid Cards Corporate Guarantee Standard PhilExim - Omnibus Guarantee Asian Land Strategies Corp. BDO Cash Card Corporate Guaranteed Line under the General Facility Asian Spirit Inc. BDO Cash Card International MasterCard Gold Program Asiatrust Visa (Peso) – ECN BDO Asenso Kabayan Cash Card MasterCard BDO Senior Officer PhilExim - Programs for Large Tie-Up Smart Money MasterCard Corporate Gold Projects in Priority Sectors of Ateneo De Manila Fastcard Dollar the Government Automobile Association Phils. MasterCard Corporate Gold AZ Communication Network Inc. 5. COMMERCIAL & INDUSTRIAL Peso 8. DEPOSIT-RELATED SERVICES Baguio Benguet Community LOANS SM Corporate Gold MasterCard Manager’s Check Credit Cooperative Credit Lines Visa Classic Corporate Dollar BDO Gift Check Banco Filipino Visa (Peso) – Bills Purchase Lines Visa Classic Corporate Peso Customized Check ECN Tie-Up Check Discounting Lines Visa Gold Corporate Dollar Demand Draft Bankard / RCBC Bankard Term Loans Visa Gold Corporate Peso Telegraphic Transfer Bankers Institute of the Phils. Trust Loans Commercial Credit Cards Interbranch Deposit Bank of Commerce Visa (Peso)- US Dollar Denominated Loans BDO Distribution Secured Deposit Pick-Up Services ECN Tie-Up LC / TR Financing BDO Distribution Unsecured Night Depository Service Bantay Bata 163 Stand-by LC Makro Safe Deposit Box Bayan Telecommunications Inc. BDO ANNUAL REPORT 2009 47 ECN Tie-Up ECN Affiliates Condominium OOCL Logistics Phils., Inc. Logistics OOCL Philippines, Inc. OOCL Corp. Consolidated Prime Dev’t. Intercontinental Devt. Corp. Mercantile Stores Group, Inc. Meridien Business Leader Asia Metro Main Star Metro Mla Shopping Mecca Co. Mindanao Shopping Destination Multi Store Corp. Pico de Loro Beach and Premier Central Inc. Premier Southern Corp. Shoemart Inc. Shopping Center Management SM Investments Corp. SM Keppel Land Inc. SM Land Inc. SM Mart, Inc. SM Prime Holdings Inc. SM Retail, Inc. SMIC One E-Com Center Appliance Center Inc. Star Super Shopping Mgmt. Inc. Highlands Int’l. Tagaytay Midlands Golf Club Tagaytay Tagaytay The Country Club at Regular Account Checking Smart Checking Super Checking Account Payroll Peso Checking Facility (ATF) Transfer Automatic Account Peso Passbook Savings Peso ATM Account Payroll Peso Savings Junior Savers Club Club Power Teens Club 60 Peso Smart Guarantor Optimum Savings Account Super Savings Deposit Peso Time Premium Flexi Earner ECN Tie-Up Corp. Corp. Condo
Landbank Visa (Dollar) – Visa Landbank Assurance Philam Equitable Life Co. (Dollar) Philamlife (Dollar) Pioneer Life Inc. (Dollar) Tie-Up (Dollar) -ECN Visa PNB (Dollar) – Visa Prudentialife / SM Companies / Subsidiaries Corp. Asia Realty Dev’t. First Group Ventures First Leisure Horizon Community HPI’s Madison Shopping Plaza, Inc. Mainstream Business, Inc. Major Shopping Management Inc. Mandurriao Star, Associates Inc. Manila Southern Market Management Market Strategic Firm, Inc. Services Inc. Country Club The Highlands Prime Comm. 13. PESO DEPOSITS PRODUCTS AND SERVICES Industries Inc. Philippines Inc. Technologies Pru Life of UK (SCB FAO) Pru Life of UK – ECN (Peso) Visa Prudentialife Quezon City Sports Club Direct AZ Digest / Reader’s Sinochem SCB FAO Solectron SCB FAO Academy of The Philippine Bankard / RCBC Bankard BDO Amex UBIX Corporation Communications Group) Inc. Group) Club ECN Tie-Up Primeworld DSI / Prime Primeworld Prudentialife Plans Inc. Tie-Up (Peso) – ECN Visa PNB Tie-Up Raymond Realty Corp. Republic Cement (Lafarge Club Riviera Golf & Country Club Riviera Sports & Country Country Club Tagaytay Royale Inc. Workshop, San Bruno Hygiene Product Corp. SCA Adidas SCB FAO Boston Scientific SCB FAO Inc. Philippines BP SCB FAO British Embassy SCB FAO Columbia Pictures SCB FAO Holcim Philippines SCB FAO (Davao) WESM PEMCI / SCB FAO Pfizer SCB FAO San Miguel SCB FAO Purefoods Inc. Seaboard Eastern Life Ins. Co. Philippines Inc. SF Electric Light & Power Co. Smart Communications Inc. Smart Money Reload Solid Broadband Solid Cement Corp.(CEMEX Sony Life Insurance Phils. Corp. Inc. Villages SOS Children’s Southmin Norkis Southmin Fin’l Corp. Golf Club Taal Splendido St. Peter Life Plan Inc. Standard Chartered Bank Sun Cable Systems Davao Inc. Sun Cellular Sun Life Financial Plans Sun Life of Canada Midlands Golf Club Tagaytay Telecommunications The Orchard Golf & Country Inc. (PAO) Opthalmology, Financial Services Phil. Toyota Internet Tri-Isys Plans, Inc. Trusteeship Unistar Credit & Finance Corp. US Embassy (Citibank FAO) Xango / Mangosteen Beverage Corp. USD Billers (Dollar) – ECN Visa Asiatrust Tie-Up (Dollar) Visa Banco Filipino (Dollar) Visa Bank of Commerce Tie-Up ECN BDO Card Blue Cross Insurance (Dollar) -ECN Visa GE Money Tie-Up Inc. Corp. Communications Inc. Corp. Metro Drug Inc. HSBC FAO Corp. Jobstreet Knights of Columbus Lipa City Colleges Negros Navigation Company Paramount Life / MBLIC Philam Life Insurance Company Airlines Philippine Pilipino Cable
Health Maintenance Inc. Health Maintenance Shanghai Banking Hongkong Household Devt. Corp. Gamble Procter & HSBC FAO Distributing HSBC Personal Loan Ideal Optical Supply Mktg Group) Iligan Cement (Lafarge Technologies Tridel I-Manila / Inc. Technologies Infocom Innove Communications Co. Assurance Insular Life Aggregates Island Quarry & – ECN (Peso) Visa Landbank Tie-Up Loyola Plans Inc. Macondray Finance Corp. Inc. Mactan CATV Magna Financial Services Manila Golf and Country Club Group Inc. Manulife Financial Plans Manulife Phils. Matrix Mobile Maxicare Inc. Services Water Maynilad MBF Card Inc. Meralco Corp. World Metrocycle Mind Gate Systems Inc. GR) Mindanao Portland (Lafarge Montesorri Professional Inc. TV Moonsat Cable College Inc. Moresco – 1 Morinda National Grid Corp. of the Phils. / MNTC NLEX / ECTAG Automotive Resources Norkis Norkis Distributors Inc. Norkis Financials Corp. Co. Trading Norkis Northmin Norkis Northmin Fin’l Northpine Land Inc. (Formerly Jardine Land Inc.) Onecard Company Inc. Logistics Phils. Inc. OOCL Phils. Inc. OOCL Pacific CATV Palawan Electric Cooperative Inc. PELAC Philam Equitable Life Assurance Co Petron Fleet Card Phil. Deposit Insurance Corp. Philam Plans Inc. Philamcare Health Systems, Inc. Philippine Global Pilipinas Shell Petroleum Corp. Piltel Pioneer Life Inc. Platinum Plans Inc. PLDT Powercycle Inc. Primecredit Ltd. Primewater Infrastructure Corp.
(Peso) – ECN Tie-Up (Peso) – ECN BDO Amex BDO Auto Insurance BDO Card BDO Home Insurance BDO Insurance Brokers Inc. BDO Superlite Inc. Bisaya CATV, Blue Cross Insurance Bonifacio Cable One Corp. Bonifacio Gas Corporation Boy Scouts of the Phils. Philippines, Inc. BP TV Cablelink / Paranaque Cable Caelum Developers Inc. - BP Caritas Health Shield, Inc Inc. TV, Cebu Cable Cebu Filipino Mfg. Res. Air Inc. Cebu Pacific Celebrity Sports Club / Sky Cable / Central CATV Certification Int’l Phils. Inc. CHC Development Consortium CIS Bayantel / Sky Cable CIS Central CATV CIS Eternal Plans CIS Globe CIS Innove CIS Manila Memorial CIS Manulife Financial Plans CIS Manulife Insurance CIS Pilipino Cable CIS PLDT CIS PT&T CIS PRIMEWATER Citibank Savings Inc. Colegio De San Juan De Letran Danvil Plans Inc. Delbros Inc. Eagle Financial Services Easycall Communications Inc. E-Bay / Paypal (Citibank FAO) E-Census (Unisys) Assurance Co. Federal Phoenix Visa GE Money GETZ Brothers Phils. Inc. ZPDee Inc. Citiseconline Inc. Worldwide, Cash Express Water CIS Manila CIS SMART Citibank Davao Cableworld Network Inc. Destiny Cable Inc. Dial Code Philippines Digitel Directory Phils. Corp. DXN Int’l. Private Ltd. Bank Credit Card West East Group Inc. Telecommunications Eastern Philippines Inc. E-Negosyo Gateway Ever Memorial Garden Co. Inc. Solutions Inc. Everything Online, Inc. Exquisite Resources Inc Filinvest Land Inc. Fontana Resort & Country Club Corp. Fort Bonifacio Dev’t. Fortune Medicare Inc. Generali Pilipinas Generali Pilipinas Bancassurance Gentrade Int’l. Phil. Inc. Inc. Telecom Globe Golden Haven Memorial Park Greenpeace Foundation Inc. G-Xchange Inc. PRODUCTS AND SERVICES BDO GROUP OF COMPANIES
14. REMITTANCE SERVICES Philhealth ARMSTRONG SECURITIES, INC. EQUIMARK-NFC DEVELOPMENT Credit to BDO Account HDMF 20th Flr., South Tower CORPORATION Cash Pick Up Anywhere NHMFC BDO Corporate Center Rm. 603, EBC Bldg. available at: Liquidity Management 7899 Makati Avenue, Makati City 262 Juan Luna St., Binondo BDO Branches Account Sweeping Facility Manila YES Currency Exchange Warehouse & Discounting 878-4552 Counters (formerly SM Foreign Facility 840-7897 Exchange Counters) located at: Account & Information Services BDO CAPITAL & INVESTMENT SM Supermalls Infolink CORPORATION EQUITABLE CARD NETWORK, INC. SM Department Stores Electronic Banking 20th Flr., South Tower 11th Flr., JMT Corporate SM Business Services Local Networks BDO Corporate Center Condominium Global Pinoy Centers ExpressNet 7899 Makati Avenue, Makati City 27 ADB Avenue, Ortigas Center Save More Supermarkets Megalink 878-4155/878-4125 Pasig City Makro Stores BancNet Accredited Rural Bank Partners International Networks 702-6000 local 6717 Bangko Kabayan Visa / Plus BDO INSURANCE BROKERS, INC. Bangko Mabuhay MasterCard / Cirrus / Maestro 8th Flr., JMT Condominium GE MONEY BANK, INC. Bank of Florida Internet Banking 27 ADB Avenue 10th & 11th Flrs., Net Cube Bldg. Card Bank myBDO Internet Banking Ortigas Center, Pasig City 30th Street corner 3rd Avenue Enterprise Bank Corporate Internet Banking 688-1288 Crescent Park West, Bonifacio BDO ANNUAL REPORT 2009 Gateway Rural Bank Phone Banking Global City Peninsula Rural Bank Mobile Banking BDO LEASING & FINANCE, INC. One Network Bank Point-of-Sale (POS) 777-8600 Producers Rural Bank (formerly PCI Leasing and Finance, Inc.) Rang-Ay Bank 17. TREASURY DEALERSHIP & BDO Leasing Centre PCIB SECURITIES, INC. Rural Bank of Cauayan BROKERING SERVICES Corinthian Gardens 20th Flr., South Tower Zambales Rural Bank Treasury Bills & Bonds Ortigas Ave., Quezon City BDO Corporate Center Accredited Financial Services Fixed Rate Treasury Notes 635-6416 7899 Makati Avenue, Makati City Partners Commercial Papers 878-4564 M. Lhuillier Financial Services Foreign Currency Denominated BDO PRIVATE BANK, INC. BDO Remit Cash Card Bonds BDO Kabayan Savings Account FX Forwards and Swaps 27th Flr. Ayala Tower 1 STRATEGIC PROPERTY HOLDINGS, INC. (USD & PHP) Interest Rate Swaps Ayala Triangle North Tower BDO Kabayan Time Deposit Ayala Avenue, Makati City BDO Corporate Center 48 BDO Kabayan Shipping Dollar 18. TRUST AND INVESTMENT 848-6300/848-6297 7899 Makati Avenue, Makati City Savings Account PRODUCTS 840-7897 BDO Kabayan Current Account Unit Investment Trust Funds BDO RENTAL, INC. Jollibee Padalang Langhap Sarap BDO Peso Money Market Fund (formerly Equitable Pentad Rental, Inc.) Direct Deposit Program BDO Peso Bond Fund AFFILIATES Other Services BDO GS Fund BDO Leasing Centre Credit to Other Local Banks BDO Peso Fixed Income Fund Corinthian Gardens GENERALI PILIPINAS HOLDINGS, INC. Cash Door-to-Door BDO Institutional Fixed Income Ortigas Ave., Quezon City Gercon Plaza Bldg., 7901 Makati Fund 635-6416 Avenue, Makati City 15. TRADE SERVICES BDO Peso Balanced Fund Philippines 1227 Import / Export Letters of Credit BDO Equity Fund BDO SECURITIES CORPORATION 886-5258 Domestic Letters of Credit BDO Institutional Equity Fund 20th Flr., South Tower Standby Letters of Credit BDO Merit Fund Documents Against Payment BDO Dollar Money Market Fund BDO Corporate Center NORTH PINE LAND, INC. Documents Against Acceptance BDO Dollar Bond Fund 7899 Makati Avenue, Makati City 15th Flr., Taipan Place Bldg. Open Account Agreements BDO Medium Term Dollar Bond 878-4155/878-4125 Emerald Ave., Ortigas Center Export Negotiations Fund Pasig City Shipping Guarantee Customized Portfolio Management BDO STRATEGIC HOLDINGS INC. 637-3697 Trust Receipt Investment Management BDO Building, Paseo De Roxas Inventory Financing Accounts corner Sen. Gil Puyat Avenues BSP TR Rediscounting Employee Benefit / Retirement SM KEPPEL LAND, INC. Accounts Makati City Penthouse, Benguet Center Bldg. 16. TRANSACTION BANKING Personal Pension / Retirement 840-7897 12 ADB Ave. Ortigas Center Cash Management Services Accounts Mandaluyong City Integrated Collection Solutions Pre-Need Trust Fund BDO TECHNOLOGY CENTER, INC. 687-0416-17 Bills Payment Institutional / Corporate Trust (formerly Equitable Data Center, Inc.) Auto Debit Arrangement Funds North Tower TAAL LAND, INC. Corporate Collections Dollar Trust Funds BDO Corporate Center Postdated Check Warehousing Special Trust Services 8th Flr., Metrobank Plaza, Sen. Gil Armored Car Cash Deposit Mortgage or Collateral Trust 7899 Makati Avenue, Makati City Puyat Ave., Makati City Pick-up Facility / Loan Agency 840-7897 898-8944 Motorized Check Pick-up Escrow Agency Integrated Disbursement Registrar / Transfer Agency EBC STRATEGIC HOLDINGS Solutions Paying Agency CORPORATION Direct Credit Collection Agency 262 Juan Luna Street Check Printing Receiving Bank Binondo, Manila Payables Warehousing Safekeeping 840-7897 Regular Payroll Life Insurance Trust Cashcard Payroll Court Trusts Check Disburse Non-Voting Trusts Government Collections Special Purpose Trust BIR e-payment Investment Management Advisory SSS EC Link Services INTERNATIONAL REMITTANCE OFFICES
HONG KONG BDO REMIT (ITALIA) S.p.A. DESK OFFICES OMAN Via San Pio V, 10/C 10125 BDO REMIT LIMITED Torino, Italia SAUDI ARABIA UAE EXCHANGE Shop 219 Worldwide Plaza, (0039011)669-0007 PO Box 1116 PC 131 Al Hamriya, 2/F, 19 Des Vouex Rd., AL RAJHI BANKING Sultanate of Oman Central, Hong Kong USA Tahweel Al Rajhi Batha Br.# 701 (00968)92578862, (00852)2537-7148, 2530-2236 2nd Flr. Manila Plaza Bldg. (009682)4750830 BDO REMIT (USA), INC. Riyadh, K.S.A EXPRESS PADALA (HK) LIMITED 2365 S. Azusa Avenue, (009661)4053591, QATAR Shop 231-232 & 237, West Covina, California 91792 (009661)4050292 2/F, Worldwide Plaza 19 Des Voeux (001800)4732-3252, GULF EXCHANGE Road Central, Hong Kong 001(626)363-9800 AL RAJHI BANKING PO Box 4847 Doha, Qatar (00852)2525-7160, 2871-3776 Tahweel Al Rajhi Batha Br.# 703 (00974)5372324, 4383250 BDO REMIT (USA), INC. Al-Khobar KSA in front of EXPRESS PADALA (HK) LIMITED 215 South Vermont Avenue Al-Salama Hospital BAHRAIN Shop 159, G/F Lik Sang Plaza Los Angeles, California 90004 (0096650)945-6851, 269 Castle Peak Road, Tsuen Wan (001800)372-3252, (009663)8649758 DALIL EXCHANGE
New Territories Hong Kong 001 (213)229-4404 PO Box 20404, BDO ANNUAL REPORT 2009 (00852)2412-0399, 2412-0693 AL RAJHI BANKING Gov’t Rd., Manama Kingdom BDO REMIT (USA), INC. Tahweel Al-Rajhi Jeddah Br# 704 of Bahrain MACAU 4830 Mission Street, Suite 101 Queen’s Bldg. Balad, Jeddah, KSA (009733)9479981, San Francisco, California 94112 (009662)642 7151, (09317)223464 BDO REMIT (MACAU) LTD (001888)272-3252 (00966)645 1385 Dr. Alameda Dr. Carlos KUWAIT D’Assumpcao, No. 92, BDO REMIT (USA), INC. AL RAJHI BANKING Wan Yu Villas, R/C, Macau 5845 North Clark Street Tahweel Al Rajhi - ETEMADCO EXCHANGE (00853)28373-324, 28374-385 Chicago, Illinois 60660 Khamis Mushayt Ctr., KSA Souk Al-Watiya #95 Near Adidas, (001733)271-7380, 271-7382 (0096650)919-1495, Maliya, Kuwait GERMANY (009667)2201950 (009656)7067039 REPRESENTATIVE OFFICES EXPRESS PADALA AL ZAMIL EXCHANGE 49 Frankfurt GmbH FRANCE PO Box 83 King Saud St. Cor. Grosse Friedberger Strasse 6 60313 Cross A, Al Khobar 31952 KSA Frankfurt, Am Main, Germany BANCO DE ORO UNIBANK, INC. - (009663)8990215 (004969)720-07010 to 14 PARIS REPRESENTATIVE OFFICE 86 rue de la Pompe, 75016 BANK AL BILAD ITALY Paris, France PO Box 140 Riyadh 11411, KSA (00331)5375-1142 (009661)4798333 BDO REMIT (ITALIA) S.p.A. Via C. Boldrini 12, 40121 ISRAEL UNITED ARAB EMIRATES Bologna, Italia (0039051)251-992 BDO REMIT (ISRAEL) LIMITED UAE EXCHANGE 4/F Shop 4412 New Tachana P.O. Box 170, Level 02, BDO REMIT (ITALIA) S.p.A. Merkazit, 108 Levinsky St., Al Sayegh Centre, Hamdan St., Via San Zanobi 5-7/R 50129 Tel Aviv, 66052 Israel Abu Dhabi, UAE Firenze, Italia (009723)6390163, (009715)07650473, (0039055)462-5225 5379294 (009715)02460206, (009712)6105555 BDO REMIT (ITALIA) S.p.A. TAIWAN 2/F Via Dogali No. 20 98123 AL ANSARI EXCHANGE Messina, Italia BANCO DE ORO UNIBANK, INC. PO Box 325 Liwa St. Heirs of (0039090)228-6232 TAIPEI REPRESENTATIVE OFFICE Ameen Mohamed Baker Khoory Cosmos Commercial Bldg. Rm. 7, Bldg. Abu Dhabi, UAE BDO REMIT (ITALIA) S.p.A. 12/F, No. 41 Sec 1, Chung Hsiao (009715)06216088, Via Speronari 6 20123 W. Rd. Taipei, Taiwan (009710)2622788 Milano, Italia (003902)725-2161 JORDAN
BDO REMIT (ITALIA) S.p.A. AL GHURAIR JORDAN Via Vicenza 5/A, Interior 2A 00185 EXCHANGE Roma, Italia Al Gardens St. Alasad Center (003906)445-7724, 446-0395 PO Box 3729 Amman, Jordan (009626)65549182-83 BRANCH DIRECTORY
METRO MANILA GRACE PARK - 9TH AVENUE SM CENTER LAS PIÑAS AYALA AVENUE - 414 Rizal Avenue Extension, LGF SM Center Las Piñas, PEOPLE SUPPORT CALOOCAN Grace Park, 1400 Caloocan City Alabang-Zapote Road, G/F People Support Center, 365-7308, 363-3581, 361-1215, Brgy. Pamplona Dos, Las Piñas Amorsolo St. corner Ayala Avenue, 361-1208, 361-1984, 364-9190, 875-1553, 875-1574, 875-1695, Makati City CALOOCAN 367-7017 875-1750, 875-1770 889-7552, 889-7554, 889-7556, Rizal Avenue Extension near Fax 364-9148 Fax 872-4750 750-6007, 750-6008 corner 11th Avenue, Grace Park, Fax 889-7480 Caloocan City GRACE PARK - 11TH AVENUE SM SOUTHMALL A 366-0948, 365-5184, 363-7402 1619 Rizal Avenue Extension UG/F SM Southmall, AYALA TRIANGLE 1 Fax 364-5440 corner 11th Avenue, 1400 Alabang-Zapote Road, Las Piñas GM-B G/F Tower 1, Ayala Caloocan City 805-7568, 800-0471, 806-4383, Triangle, Ayala Avenue, CALOOCAN - A. MABINI 366-1978, 366-1980, 361-1441, 806-4389, 800-1648 Makati City G/F Corazon Bldg. 432 A. Mabini 361-2098, 366-1926, 366-1927, Fax 800-0472, 805-1558 891-9950, 759-4413, 848-6734 St. Poblacion Caloocan City 367-2349 891-9948 to 49, 891-9896 287-4135, 285-4364, 287-4208 Fax 361-1421 SM SOUTHMALL B Fax 891-9896, 891-9897 Fax 285-5962 UG/F SM Southmall, Alabang- MONUMENTO Zapote Road, Las Piñas BAGTICAN PASONG TAMO BDO ANNUAL REPORT 2009 CALOOCAN - SANGANDAAN MacArthur Highway corner 800-6798, 800-9122, 800-0590, Unit 102 G/F Pryce Center No. 628 A. Mabini St., 1408 Calle Uno, Caloocan City 800-0545 Condominium, 1179 Chino Roces Sangandaan, Caloocan City 361-3295, 365-5470, 365-6250, Fax 800-9597 Avenue corner Bagtican St. 288-5525, 287-0578, 288-5540, 330-5683, 362-0295, 367-1486 San Antonio Village, Makati City 287-5025 Fax 365-8290, 364-0532 MAKATI 899-1059, 899-1063, 899-1061, Fax 285-2738 899-1053 SAMSON ROAD Fax 899-1052 CALOOCAN - 7TH AVENUE A. ARNAIZ - G/F Ma. Cristina Bldg. Samson SAN LORENZO VILLAGE Rizal Avenue Extension corner Road corner UE Tech., L & R Bldg., 1018 A. Arnaiz BDO CORPORATE CENTER 7th Avenue, Caloocan City Caloocan City BDO Corporate Center, 7899 361-1074, 361-1249, 362-1873, Avenue, Makati City 361-0602, 366-4698, 361-2538 887-1291, 845-1011, 844-2648, Makati Avenue, Makati City 366-2456 Fax 362-8140 878-4643 local 7909, 7851, Fax 361-1272 844-3045, 843-0533 50 Fax 843-0522 878-4640, local 2166, 878-4094, LAS PIÑAS 878-4636, 878-4642, EDSA - A. DE JESUS ALFARO - SALCEDO VILLAGE 878-4645 local 7801, 474 EDSA corner B. Serrano and LAS PIÑAS - ALMANZA 840-7782 local 2001, 2601, A. De Jesus St., 1403 G/F PCCI Bldg., 118 Leviste St. Alabang-Zapote Road, Almanza (formerly Alfaro St.), 878-4638, 840-7974 local 2330 Caloocan City Fax 878-4039, 878-4670, 366-5638, 366-5639, 366-8714, Uno, Las Piñas City Salcedo Village, Makati City 801-6357, 801-6399, 801-6400 815-3014, 751-0237, 817-6655, 878-4631 366-6088 Fax 330-5832 Fax 801-6359 892-1231 Fax 815-2988 BEL-AIR G/F SM Makati Cyberzone 1 along EDSA EAST - CALOOCAN LAS PIÑAS - BF RESORT AMORSOLO Sen. Gil Puyat Avenue, L & E Bldg. EDSA corner Gen. BDO Bldg., Blk 4 Lot 9 BF Resort Drive Phase 4, BF Resort Village, G/F Queensway Bldg., No. 118 Makati City Concepcion St. Caloocan City 895-1579, 895-1512, 896-8245, 330-5834, 330-5836, 330-5837, Las Piñas City Amorsolo St. Legaspi Village, 873-8925, 873-8923 Makati City 899-6297, 899-5156, 899-6259 367-8751 Fax 890-8475 Fax 330-5832 Fax 873-8918 813-8434, 817-7763, 810-2202 Fax 891-5533 BEL-AIR - GIL PUYAT GENERAL LUIS LAS PIÑAS - PAMPLONA Alabang-Zapote Road, ASIA TOWER - PASEO Country Space I Condominium 297 General Luis St. Barrio Bldg., Sen. Gil Puyat Avenue, Kaybiga, Caloocan City Pamplona, Las Piñas G/F Asia Tower corner Paseo de 875-6766, 872-0824, 872-2563 Roxas & Benavidez St., 1229 Bel-Air Village, 1209, Makati City 937-3355, 419-3005, 939-6152 892-6891, 815-2013, 751-0238 Fax 938-6020 Fax 872-9911 Makati City 750-6888, 841-0384, 841-0385, Fax 818-8242
GRACE PARK LAS PIÑAS - PHILAMLIFE 841-0245 AVENUE Fax 750-9888 CASH & CARRY G/F A & R Bldg. 213 Rizal G/F Unit No. G01A, Avenue Extension, Grace Park, Alabang-Zapote Road, Pamplona Tres, 1740 Las Piñas AYALA - RUFINO Cash & Carry Mall, South Super Caloocan City Highway & Filmore St., 365-5805, 365-5804, 365-2569, 874-4259, 872-8167, 874-4252, G/F Rufino Bldg. Ayala Avenue 874-0325 corner Herrera St., 1226 Makati City 364-0818 887-3210, 887-6205, 710-0259, Fax 364-6125, 365-5166 Fax 874-3892 Makati City 815-4536, 812-4214, 812-4243, 710-0253, 887-3210, 887-5360 Fax 887-3210 GRACE PARK - 8TH AVENUE LAS PIÑAS - TALON 815-4528, 810-1476, 889-9548 G/F Motiontrade Bldg. Fax 810-1439 Rizal Avenue Extension Grace CHINO ROCES AVENUE Park, Caloocan City Alabang-Zapote Road, Talon, Units 3 & 4 La Fuerza Plaza, 363-5633, 363-5628, Las Piñas 363-1626, 363-5665, 363-5635, 805-1922, 800-9559, 800-8920, Chino Roces, Makati City 363-5620, 363-5668 802-3504, 805-1921 893-7851, 893-7859 Fax 361-1299, 361-1622 Fax 800-9999 Fax 867-1549 BDO ANNUAL REPORT 2009 51 BRANCH DIRECTORY RADA Rada St., Legaspi Park, G/F One City Makati Village, Legaspi 909-2011, 909-2012, 909-2013 909-2014 Fax REPOSO - MAKATI JP Rizal corner N. EBC Bldg. (formerly Reposo), Garcia City Makati 896-2437, 897-8651, 897-8648, 896-1790 897-8655 Fax ROCKWELL Rockwell Mall, Plant G/F Power St. Amapola corner Estrella Center, City Makati 899-1488, 899-1250, 899-6196 899-1489 Fax CENTER - ROCKWELL MAKATI Drive, 7, Rockwell Lot 3, Block Poblacion, Center, Rockwell City Makati 898-1742, 897-1743, 898-1744, 898-1745, 898-1891, 897-3992 898-1746 Fax SALCEDO 168 Salcedo Bldg. Rock Golden City Makati Village, Legaspi St. 816-1467, 816-1478, 816-1489 816-1468 Fax SM MAKATI Ayala Annex Bldg. Shoemart City Makati Center, 893-3241, 817-0856, 813-3975, 812-6844, 812-6838 818-0855, 892-2182 Fax MALL - EDSA SOUTHGATE Mall, G 02, G/F Southgate Unit Extension, Tamo Pasong cor. Edsa City Makati 828-2224, 856-5971, 828-8237, 828-8707 TRIDENT - GIL PUYAT Bldg., 312 Tower G/F Trident City Makati Ave., Puyat Gil Sen. 845-4216, 845-4217, 887-4763 845-2401 Fax TORDESILLAS Tordesillas 108 G/F MME Bldg., Salcedo Sts., corner Gallardo City Makati Village, 894-0383, 893-9699, 893-0198, 812-7873, 753-3656 753-3657 Fax AVENUE NEPTUNE - MAKATI corner Makati St. 101 Neptune City 1209 Makati Avenue 897-2174, 751-6332, 897-8483, 897-2694 896-6062 Fax - MAKATI STAR PACIFIC Gil Sen. Bldg., Star G/F Pacific Makati corner Avenue Puyat City Makati Avenue, 811-5939, 811-5938, 811-5567, 811-5225 811-5568 Fax ROAD PASAY Pasay Bldg. 845 Corporate Plaza City Makati Road, 894-1732, 817-6113, 810-9382, 818-1783 818-2958 Fax - GIL PUYAT PASEO corner Roxas De Paseo EBC Bldg., City Makati Avenue, Puyat Gil 895-3949, 895-0055, 895-5918, 890-9531 897-6149 Fax 2 DE ROXAS PASEO de 8737 Paseo G/F BDO Plaza, City Makati St., Roxas 818-3527, 892-9796, 840-3366, 892-7333, 892-5703, 840-3633, 813-0542 892-5252 Fax - MAKATI TOWER PASEO 8751 Tower, Bank Equitable City Makati de Roxas, Paseo 817-4421, 886-0012, 843-5480, 886-0014, 886-0011, 886-0018, 843-5464 (telefax), 815-2204 (telefax) 886-0015, 843-5464, Fax 815-2204 EXT. TAMO PASONG Tamo Pasong Center, G/F Allegro City Makati Extension, 817-5456, 817-5443, 817-5439 817-5641 Fax - PASEO PEREA 106 Paseo Bldg. Re G/F Universal City 1228 Makati de Roxas 817-1519, 816-2220, 817-7457, 815-9032 817-1845 Fax - VALERO PHILAM TOWER 8767 Tower, G/F Philamlife City Makati de Roxas, Paseo 843-4297, 843-4265, 843-4237, 843-4310 843-4365 Fax J.P. RIZAL J.P. Barangay Rizal St. 872 J.P. City Makati Poblacion, 895-7730, 896-7276, 899-8690 899-8443 Fax - REPOSO JUPITER 158 G/F CEI Headquarters, St., corner N. Garcia St. Jupiter City Makati Village, Bel-Air 896-8095, 896-8078, 890-5208 896-8807 Fax VILLAGE LEGASPI - ST. SALCEDO St., 203 Salcedo EBC Bldg., City Makati Village, Legaspi 812-5873, 812-5874, 810-5568, 844-4091 812-6145 Fax VILLAGE MAGALLANES Way Center, Gate 104 The Unit Magallanes de Magallanes, Paseo City Makati Village, 852-9640, 852-9643, 852-9843, 853-4620 852-9843 Fax - AYALA AVENUE MAKATI Avenue Ayala Locsin Bldg., L.V. 1228 Avenue, corner Makati City Makati 840-4529, 818-7286, 893-9529, 893-8162, 817-7455 817-7180 Fax CINEMA SQUARE MAKATI Pasong Cinema Square, Makati City 1229 Makati Tamo, 811-1364, 811-1523, 811-1458, 844-1990 811-1447 Fax SHANGRILA HOTEL MAKATI Manila, Hotel 191 Shangrila Unit City Makati Ayala Center, 813-5004, 813-5006, 813-5007, 813-4788, 817-0295 813-5005 Fax MEDICAL PLAZA - LEGASPI VILLAGE Plaza 101, G/F Medical Unit corner Dela Amorsolo St. Makati, Village, Legaspi St. Rosa City Makati 813-2585, 750-5545, 813-2739 750-5546 Fax AVENUE METROPOLITAN G/F Terraces, Metropolitan corner Sacred Avenue Metropolitan St.), (formerly Dao St. Heart City Makati 899-6618, 899-6693, 899-6631, 890-5437 899-6667 Fax DELA ROSA - RADA DELA ROSA & Rosa corner Dela Bldg., Ace 1229 Village, Legaspi Rada St., City Makati 813-4912, 815-4163, 893-1495, 892-6572, 893-8770, 751-6753, 893-0074 817-2323 Fax DIAN - GIL PUYAT Puyat Gil Sen. G/F EPCIB Bldg., St., corner Dian Avenue City Makati 844-2554, 889-1564, 845-3239 844-8924 Fax - CHINO ROCES DPC PLACE 102) of DPC Place, G/F (Unit Avenue, 2322 Chino Roces City Makati 889-5104, 889-8697, 889-8623, 889-8626, 886-4981, 886-4982 889-8687 Fax ENTERPRISE CENTER - AVENUE AYALA Enterprise 1, The Tower 3 Level, 6766 Ayala Avenue, Center, City Makati 886-5498, 886-5499, 728-1076 886-5500 Fax - MAKATI EVANGELISTA corner Gen. St. 1695 Evangelista Bangkal, Lacuna St. City 1233 Makati 844-9278, 844-9276, 888-2497 893-1810 Fax PLAZA - GC CORPORATE ST. LEGASPI G/F 150 GC Corporate Plaza, 1229 Village, Legaspi Legaspi St., City Makati 817-8657, 893-5625, 817-2970 817-0160 Fax GIL J. PUYAT Gil Sen. Ajinomoto Bldg. Union City Makati Avenue, Puyat 897-4841, 890-6546, 895-0471, 896-4843, 897-4838 890-6357 Fax GREENBELT corner Paseo G/F 108 Legaspi St. Bldg., House Pioneer de Roxas, City Makati Village, Legaspi 894-0513, 840-4568, 840-4541, 830-2286 830-2281 Fax HERRERA St. Sotto corner Rufino V.A. City Makati Village, Legaspi 812-3074, 812-7054, 812-3740 759-4416, 810-0303 759-4415 Fax BINONDO St. Paredes 411 Quintin Manila Binondo, 241-3055, 247-4278, 241-3050, 241-3065 241-2892 Fax BLUMENTRITT corner Antipolo 2325 Rizal Avenue Cruz, Manila Sta. St. 255-6260, 254-1945, 251-8135, 256-5009 256-5012 Fax - QUIAPO C. PALANCA St. 132 Carlos Palanca Manila Quiapo, 735-6403, 733-6342, 733-6343, 733-6337, 733-6334 733-6329 Fax C.M. RECTO corner Avenue C. M. Recto Manila St. Reyes Nicanor 735-2554, 735-5686 735-5688 Fax - REINA C. M. RECTO REGENTE corner Avenue 1059 C. M. Recto St., Regente Reina Manila Binondo, 244-3993, 244-3994, 245-7141, 245-7142 244-7318 Fax - SAN C. M. RECTO SEBASTIAN 1008 St., 2070 C.M. Recto Manila Sampaloc, 734-8889, 734-9682, 733-0267, 734-6679, 734-9679 736-9059 Fax CARMEN PLANAS Carmen Planas 812 O’ Racca Bldg. Manila Divisoria, St. 242-6712, 242-6704, 243-3595 242-4252 Fax CARMEN PLANAS - RADA PADRE 1012 St. 1033-1035 C. Planas Manila Tondo, 245-2240, 245-2323, 243-0217 245-1648 Fax CARMEN PLANAS - ZARAGOSA corner St. 921 Carmen Planas Manila Tondo, St., Zaragosa 243-4879, 243-4881, 243-4882 245-5207 Fax MANILA SHANGRI-LA PLAZA MALL - EDSA 1, Shangri-la Level Unit#129-A, EDSA corner Shaw Mall, Plaza City Mandaluyong Blvd., 638-2692, 638-2693, 633-4187 687-6944 Fax BLVD. SHAW City Mandaluyong Blvd. 555 Shaw 722-7572, 722-6677, 722-7584 722-7592 Fax - BEACON BLVD. SHAW PLAZA Plaza, UG 105-UG 106 Beacon St., corner Ideal Blvd. Shaw City Mandaluyong 726-2314, 726-2450, 726-2364 726-1107 Fax - STANFORD BLVD. SHAW corner Blvd. Shaw EBC Bldg. City Mandaluyong St. Stanford 723-5523, 723-8705, 723-8708 723-8707 Fax YULO - BLVD. SHAW corner L. Cruz Blvd. 285 A. Shaw City Mandaluyong St. 533-5424, 533-6518, 533-5252, 533-7688 534-8419 Fax SM MEGAMALL A A, Ortigas Bldg. G/F SM Megamall City Mandaluyong Center, 631-9813, 633-1786, 635-2358, 633-1785, 634-0437 633-1784 Fax SM MEGAMALL B Floors, Ground & Lower Upper Vargas B, Julia Bldg SM Megamall corner EDSA, Ortigas Center, City Mandaluyong 632-7425, 631-2956, 631-9843, 631-9806, 633-4969, 633-1924 631-6766-UG 635-5172-LG, Fax ARRANQUE St. 1359-1361 Soler Cruz, Manila Sta. 734-2550, 733-0934, 733-3538, 733-0916 734-2549 Fax ALONZO T. - ARRANQUE Manila St., Alonzo T. 733 733-4655, 733-4648, 733-4657 733-9493 Fax BONI - MAYSILO corner Boni Circle 74 Maysilo City Mandaluyong Avenue, 531-6378, 532-5206, 531-3694, 534-6942 531-3550 Fax EDSA - POEA EDSA corner Ortigas POEA Bldg., City Mandaluyong Avenue, 724-5943, 724-5955 724-5966 Fax EDSA - RELIANCE ST. corner Plaza G/F Paragon City Mandaluyong St., Reliance 638-9070, 638-9066, 638-9072, 687-6804 638-9069 Fax KALENTONG corner Blvd. Shaw MRDC Bldg. Kalentong St. Gen. City Mandaluyong 532-8953, 531-9146, 531-6984 531-7071 Fax - MANDALUYONG CALBAYOG cor. Libertad St. DMG Center, City Mandaluyong M. Cruz St., 470-1897, 470-1898, 470-1899 470-1900 470-1899 Fax - LIBERTAD MANDALUYONG corner Libertad St. Madre Sierra City Mandaluyong St., 571-5041, 571-5043, 571-5044 571-5042 Fax CENTER ORTIGAS A., Bldg. UG/F SM Megamall City Mandaluyong Ortigas Center, 638-3463, 638-4571, 638-4783, 638-4913, 702-6000 locals 52551, 52552, 52553, 52555, 52556, 52557 to 60, 6279 638-4913, 638-4239 Fax HIGHLANDSPIONEER - MADISON LG/F St.) 01 (facing Madison Unit 1 Bldg., Plaza Telecom Globe St., corner Madison St. Pioneer City Mandaluyong 746-0081, 634-7933, 746-3806 746-3805 Fax SAN MIGUEL CENTER - ORTIGAS Corporate Centre G/F SMPPI 1554 Avenue, Francis St. Bldg., City Mandaluyong 911-0976, 638-7001, 638-7003 638-7002 Fax
MALABON MANDALUYONG
BONI - LIGAYA 1550 654 Boni Avenue, City Mandaluyong 534-0570, 534-3133, 534-3134 746-2747 Fax A. RUFINO V. St. Herrera G/F Chatham House, Agustin Sts., & San Valero cor. City Makati Village, Salcedo 403-2278, 403-2279, 403-1926 403-2280 No. Fax VALERO Valero Center 146 G/F Pearlbank City Makati Village, Salcedo St. 817-9678, 817-9586, 817-9675, 750-1032 750-1037, 817-9586 Fax VILLAGE VILLAR - SALCEDO III Condominium 154 Eurovilla Leviste St., corner L.P. St., Villar City Makati Village, Salcedo 818-1681, 894-1049, 812-5070 894-1048 Fax - GIL PUYAT WASHINGTON Puyat 220 Gil Bldg., G/F Keystone City Makati Avenue, 844-0045, 844-1325, 844-7633, 893-2183, 893-2180, 893-9063 893-9063 Fax BRANCH DIRECTORY MALABON San Barangay 685 JP Rizal St. City Agustin, Malabon 281-9254, 281-9252, 281-5603 281-5604 Fax PASCUAL MALABON - GOV. 31 Bldg., Veranda G/F MGC Tinejeros, Avenue, Pascual Gov. City Malabon 288-7751, 288-6870, 288-7491 285-6411 Fax MALABON - RIZAL AVENUE 1470 Malabon, 694 Rizal Avenue, Manila Metro 281-0995, 281-0949, 281-1005, 281-0536, 281-0538 281-5346 Fax POTRERO corner Highway 110 MacArthur Malabon Potrero, St. Riverside 447-4554, 447-4555, 367-9806 364-6308 Fax
BDO ANNUAL REPORT 2009 52 BDO ANNUAL REPORT 2009 53 BRANCH DIRECTORY NAGTAHAN Magsaysay G/F SM Nagtahan, Road, corner Nagtahan Blvd. Manila Sampaloc, 516-0681, 516-0682, 516-0683 516-0630 Fax ONGPIN Garden, Sky ABC Imperial Unit St. Pinpin T. corner St. Ongpin Manila Binondo, 244-3738, 243-5516, 241-8143 241-8143 Fax ALONZO T. - ONGPIN T. Tower, 564 and 566 Gel Unit Cruz, Manila Sta. St. Alonzo 733-9556, 733-1461, 733-1477, 733-9518 733-1459 Fax MAPUA TOMAS - ONGPIN St. 1004-1006 Ongpin Cruz, Manila Sta. 734-2944, 735-2524, 735-8641 734-2945 Fax PACO St., Gil 1054-1060 Pedro Manila Paco, 523-7290, 521-3647, 523-0541, 525-7644, 525-7640, 523-1711, 523-1736, 536-6448, 536-6449 523-3249 No. Fax - A. LINAO PACO 1635-1641 A. Linao St. Manila Paco, 536-0358, 525-6521, 303-0399, 536-0359 536-0357 Fax - A. MABINI FAURA PADRE St., Faura corner Padre A. Mabini Manila 1000 Ermita, 525-8928, 523-3173 523-4879 Fax RADA PADRE 480-482 Padre Bldg. Gosiupo St. Rada corner Elcano Manila Tondo, 245-0176, 245-0249, 245-5513 245-5491 Fax GIL - A. MABINI PEDRO Bldg. 1567-1571 Salud St. corner A. Mabini Gil Pedro Manila Ermita 400-7362, 700-7363, 525-6121 400-7364 Fax JUAN LUNA JUAN St., Luna 262 Juan Manila Binondo, 241-5967, 241-5946, 241-5769, 241-5782, 241-5787, 243-0229, 241-5774, 243-0195, 243-0197, 242-6421 241-4487, 241-5787 Fax KAMAGONG Ocampo 2567 P. corner (Vito Cruz Extension) Manila St. Perla Madre 563-0504, 564-7104, 564-2870, 563-1895 564-4435 Fax LAVEZARES City 321-325 Garden & Condominium corner Lavezares Manila Nicolas, San Camba St. 242-4244, 242-4249, 242-4250, 242-4251 242-4254 Fax KALAW T.M. - LUNETA corner Kalaw St. T.M. 707 Manila Ermita, Churruca St. 523-5334, 524-0380, 525-6857, 525-5850, 525-8378, 524-4849, 525-6590, 523-9834 524-4849 Fax MABINI St. corner Calle Soldado A. Mabini Manila Ermita, 524-6001, 450-1693 524-6002 Fax - ADRIATICO MALATE Center, Executive Adriatico Manila Ermita, St., Adriatico 536-7514, 521-7751, 536-7517 523-5866 Fax MASANGKAY Association Townmates Hong Lun Sta. St. 1226 Masangkay Bldg. Cruz, Manila 255-2002, 255-2065, 255-2080 255-2023 Fax - CM RECTO MASANGKAY Masangkay 1029-1031 JP Bldg., St., corner Tronqued Cruz, Manila Sta. 244-0185, 244-1806, 244-1808 244-0186 Fax ST. - LUZON MASANGKAY corner Masangkay St, 907 Luzon Manila Tondo, St., 252-4456, 252-1149, 254-5056 254-9528 Fax GANDARA St. Padilla 811-813 Sabino St.), (formerly Gandara Cruz, Manila Sta. 733-1342, 734-3255, 734-4574, 733-3705, 733-8079, 736-6382 734-3254, 733-1338 Fax GANDARA - SOLER St. corner S. Padilla St. 1268 Soler Manila 1006 Binondo, 244-8097, 244-8039, 247-6507 244-8041 Fax HARRISON PLAZA Harrison R-5 URDI Bldg. Unit B. Complex, F. Shopping Plaza Manila Malate, Harrison, 524-4308, 525-2954, 524-6533, 536-1573 523-2732 Fax ILAYA St. 1049-1051 Ilaya Manila Divisoria, 245-5508, 245-5510, 242-1686, 245-0235, 245-0242 245-0569 Fax - M. DE SANTOS ILAYA Manila St., 632 M. de Santos 243-1826, 243-1828, 243-1829, 243-1830, 243-1831 243-1827 Fax RADA - PADRE ILAYA Manila Tondo, St., 940-942 Ilaya 242-1110, 245-5478, 245-0283 245-0107 Fax INTRAMUROS Bldg. G/F Chamber of Commerce Drive, #3 Magallanes Manila Intramuros, 527-7998, 527-7964, 527-8585 527-7574 Fax J. ABAD SANTOS J. Abad Temple, G/F Ching Leong Manila Tondo, Avenue, Santos 252-2139, 252-2141, 252-2127, 255-6594 252-2140 No. Fax JAS - ANTIPOLO Tower, Corporate G/F Intercast Avenue, Santos 2230 J. Abad Manila Tondo, 253-6544, 253-6566, 253-6606 JAS - RECTO Avenue, Santos 1174 J. Abad Manila Tondo, 251-7584, 256-6572 251-7578 Fax CENTRAL MARKET - CENTRAL MARKET FUGOSO V. St., Sulu corner St. Fugoso V. 1711 Cruz, Manila Sta. 734-1509, 735-0664, 734-3048 735-0664 Fax - ADRIATICO PARK CENTURY corner Hotel, Century Park Cruz St., Vito & St. Adriatico Manila 1004 Malate, 536-9085, 400-6632, 536-9086, 528-8888 local 2919 525-1607 Fax - BINONDO DASMARIÑAS ST. St., Dasmariñas Bldg., PCIBank 1006 Manila Binondo, 242-9413, 242-9415, 242-9416, 242-9395, 242-9390, 242-9389, 245-1756 243-3144, 242-9390 Fax DIVISORIA Manila Tondo, St. 744-746 Ilaya 241-8607, 241-4158, 241-8617, 241-4159 241-8617 Fax ECHAGUE St. 116-120 C. Palanca Nos. Manila Quiapo, 733-7436, 733-7437, 733-7434, 734-6858 734-8131 Fax ELCANO St. 619 Elcano Tower SHC Manila Nicolas, San 247-1957, 247-1958, 247-1960 247-1959 Fax ESPAÑA España corner G. Carmen Bldg. Manila Sampaloc, St. Tolentino 735-6698, 735-6573, 736-1770, 736-4159 735-6588 Fax - BLUMENTRITT ESPAÑA Cor. 2101-2103 Espana Ave 1008 St. Blumentritt Manila Sampaloc, 741-1517, 741-3274, 741-6709 731-5101 Fax - M. DELA FUENTE ESPAÑA España Boulevard Esperanza Place, St., Fuente corner M. Dela Manila Sampaloc, 743-1202, 743-1175, 731-8547, 731-8653 731-8544 Fax MARIKINA TUTUBAN CENTERMALL TUTUBAN Bldg., M1-B055, G/F Centermall C. M. Recto Center, Tutuban Manila Avenue, 254-4503, 254-4586, 254-4354, 252-4858 252-4236 Fax U.N. AVENUE UN Bldg., ng Maynila Puso St. corner A. Mabini Avenue Manila Ermita, 524-1734, 524-1783, 524-0306, 536-9850, 525-2436 524-1755 Fax - J. BOCOBO U.N. AVENUE corner UN Avenue EBC Bldg., Manila Ermita, J. Bocobo St., 524-9661, 524-9662, 524-9663, 524-9664, 524-9665, 524-6530, 525-2069, 525-2003, 521-2721 525-2033 Fax - PHILAMLIFE U.N. AVENUE Plaza Times B) G-2b (Sec. Unit corner United Avenue Taft Bldg., Manila Ermita, Avenue, Nations 404-1403, 404-1430, 404-1436 404-1447 Fax ZURBARAN St., corner Fugoso Rizal Avenue Cruz, Manila Sta. 734-1544, 734-1563, 735-0636 735-0710 Fax MARIKINA - BAYANBAYANAN Avenue Bayanbayanan BDO Bldg., St., corner Molave Concepcion, Marikina 997-3824, 997-3832, 997-3834, 934-2715 997-3833 Fax MARIKINA - CALUMPANG Rizal corner J.P. I Bldg., Florida St., M.A. Roxas City Calumpang, Marikina 682-5492, 681-9750, 682-0870 646-6212 Fax MARIKINA - CONCEPCION Avenue, 31 Bayan-Bayanan City Concepcion, Marikina 933-6395, 941-1888, 941-5851, 942-3399 942-0433 Fax MARIKINA - GIL FERNANDO AVENUE corner Avenue Fernando Gil City Marikina St., Dragon 647-8081, 647-7825, 645-7880 647-7764 Fax STO. CRISTO STO. Ching 475-477 Kim Siu St. Cristo Sto. Bldg. Foundation Manila Binondo, 242-4247, 242-2589, 242-2687, 242-0498, 243-4849, 243-4796 242-2672 Fax - COMMERCIO CRISTO STO. St. Cristo 686 Sto. No. Manila Binondo, 242-5380, 242-5382, 242-5383 242-2869 Fax TABORA St. Tabora 859-861 L & J Bldg. Manila Divisoria, 243-2148, 243-0419, 241-9441 242-0154 Fax GIL - PEDRO TAFT Manila Avenue, Taft 1430 536-1215, 536-1117, 536-1119 536-1118 Fax CRUZ VITO - TAFT Avenue, Taft 2422 Bldg., Bankard Manila 1004 Malate, 523-1869, 523-1223, 523-1135, 484-4250 526-0034 Fax - J. NAKPIL AVENUE TAFT corner Avenue Taft 1747 Manila St. J. Nakpil 521-1226, 522-0902 521-1675 Fax - AVENUE TAFT PRES. QUIRINO Avenue, Taft 1943 G/F FFW Bldg. Manila Malate, 523-2654, 523-2657, 526-4068, 526-4071 523-2640 Fax TAYUMAN 1808 Rizal Bldg. G/F Delton Cruz, Manila Sta. Avenue, 749-5078, 732-9052, 732-9866 749-5078 Fax - PRITIL TONDO 1012 St. 1815 N. Zamora Manila Tondo, 255-1050, 252-5762, 524-5028 254-5248 Fax TUTUBAN Block, Prime Tutuban DS 17-18 C.M. Center, Tutuban Manila Recto, 251-1601, 251-1602, 254-3438, 254-3404, 251-1676 254-0768 Fax RIZAL AVENUE - RIZAL AVENUE ST. BATANGAS corner 2200 Rizal Avenue Cruz, Manila Sta. St., Batangas 493-6172, 731-5962, 731-3671, 731-3667, 741-8734 731-3671 Fax - PLACE ROBINSON’S MANILA corner Manila G/F Robinson’s St., Orosa M. Gil Pedro Manila Ermita, 536-7901, 536-7902, 525-6430, 536-0331 536-7898 Fax - R. SALAS BLVD. ROXAS corner St. Blvd. Roxas S & L Bldg., Manila Ermita, St., Salas Romero 524-8469, 450-8300, 536-7697 450-8297 Fax - RAON SALES ST. St. corner G. Puyat St. 545 Sales Cruz, Manila (Raon) 1016 Sta. 733-6679, 733-7785, 733-7866, 488-2651 733-6673 Fax SAN ANDRES corner A. Linao St. Andres San Manila Malate, 525-6658, 525-6633, 484-2237 525-6429 Fax SM CITY MANILA SM City Manila, LG/F and Concepcion corner Arroceros Manila St. Marcelino San 524-7788, 524-7787, 524-7978, 524-7801 524-7788 Fax SM CITY SAN LAZARO corner A. H. Lacson Huertas Felix Cruz, Manila Sta. St. 741-5603, 731-5682, 711-6922, 743-3910 743-1310 Fax SOLER U-1118 & 1120 Gracetown St. & Alvarado corner Soler Bldg. Manila Binondo, 243-7819, 243-6915, 245-0286 244-7624 Fax SOLER - REINA REGENTE Manila Binondo, St., 1087 Soler 244-1146, 244-1165, 244-1166 243-5827 Fax
PLAZA CALDERON - PLAZA CALDERON GIL PEDRO Seven C, Harmonic G/F Unit corner Gil 2332-2334 Pedro Bldg., Ana, Manila Sta. St., Vesta 563-4803, 562-6816, 563-7156, 562-6841 564-6548 Fax - CRUZ PLAZA STA. DASMARIÑAS ST. Cruz 1003 Sta. Sta. 377 Plaza Cruz, Manila 733-3003, 733-3004, 733-3001, 733-3006 733-3018 Fax AREA - PORT SOUTH HARBOR corner R.S. Oca Center, Velco G/F St., A.C. Delgado Manila Area, Port 527-0694, 527-0717, 527-0793, 536-8193 527-0695 Fax . BLVD - QUEZON QUIAPO 1001, Blvd., Quezon Manila Quiapo, 733-6295, 733-6249, 735-0953, 734-0477, 734-0478 733-6040 Fax MARKET - QUINTA QUIAPO corner C. Palanca Blvd. Quezon Manila Quiapo, St., 735-9591, 947-3594, 947-3595, 735-9593, 735-9594, 735-9595 735-9592 Fax PAREDES QUINTIN Quintin Bldg. 524 Enterprise corner Carvajal St. St. Paredes Manila Binondo, 243-4042, 243-4043, 243-4044 243-4041, 243-9687 Fax PACO QUIRINO St. corner Perdigon Tower CRS Avenue, Quirino Pres. Manila Paco, 561-7305, 562-2153 561-7304 Fax RIZAL AVENUE corner 2502-2504 Rizal Avenue Cruz, Manila Sta. Cavite St. 781-9976, 732-7483, 732-7451, 732-9848 740-3274 Fax - BAMBANG RIZAL AVENUE corner Rizal St. 1607 Alvarez Cruz, 1003 Manila Sta. Avenue, 711-8811, 493-6160, 711-9042 711-7734 Fax BRANCH DIRECTORY
BDO ANNUAL REPORT 2009 54 BDO ANNUAL REPORT 2009 55 BRANCH DIRECTORY PARAÑAQUE - LA HUERTA PARAÑAQUE corner J. Avenue 0422 Quirino La Huerta, St., Ferrer City 1700 Parañaque 829-7906, 826-1087, 826-2368 829-6005 Fax MOONWALK - PARAÑAQUE Armstrong I Bldg., G/F Seal St., Yosemite corner Avenue Subdivision, Moonwalk City Parañaque 776-0692, 776-0691, 776-0694, 776-0695 776-0690 Fax - N. AQUINO PARAÑAQUE AVENUE Avenue, 2 N. Aquino JJM Bldg., MM Parañaque, Niño, Sto. 854-4789, 854-4791, 854-4787 854-4792 Fax DRIVE PASCOR - PARAÑAQUE Aquino Ninoy Bldg., Freight Sky Drive, near corner Pascor Avenue City Parañaque Niño, St. 852-3102, 853-1249, 853-0292 854-3410 Fax - PRESIDENT’S AVENUE BF PARAÑAQUE corner Avenue President’s BF Homes St., J. Elizalde MM Parañaque, 809-1677, 807-7068, 842-7395 850-8571, 850-8572 Fax SM CITY BICUTAN Doña SM City Bicutan, LG/F West corner Avenue Soledad City Parañaque Service Road, 777-9262, 777-9263, 777-9264, 823-7167, 823-7163, 821-3254 777-9261 Fax A SM CITY SUCAT Sucat, G/F SM Supercenter City Parañaque 825-6862, 825-6224, 826-6787 825-6728 Fax B SM CITY SUCAT B, SM City Sucat, G/F Annex Bldg Avenue, A. Santos Dr. City Parañaque 820-6737, 825-3739, 825-3467, 820-7104 825-2967 Fax SUCAT #8210 TV Bldg., Cable Parañaque Parañaque Avenue, A. Santos Dr. 825-6861, 829-1630, 820-1626 820-1620, 820-1621, 820-1615 820-1617 Fax A. SANTOS - ST. JAMES - ST. A. SANTOS Sucat, Avenue, 8406 A. Santos City 1700 Parañaque to 46 820-8210 to 12, 820-3445 826-9401 Fax ROAD AIRPORT corner Quirino Airport Road City Parañaque Baclaran, Avenue, 851-8501, 854-5285, 854-4806 854-1898 Fax - BACLARAN ROAD REDEMPTORIST Baclaran, Road, Redemptorist MM Parañaque, 852-5169, 833-2844, 832-0045, 854-0685 832-0042 Fax BETTER LIVING corner Avenue Soledad Doña Living, Better St., France City Parañaque 776-1161 to 64 776-1162 Fax BETTER LIVING - BICUTAN Better Avenue, Soledad 43 Doña Bosco, Don Living Subdivision, Manila Metro Parañaque, 824-6767, 824-6769, 824-6770, 824-6771 823-6338 Fax BF HOMES - AGUIRRE Avenue, 326 Aguirre Bldg., RGM Parañaque BF Homes, 788-0674, 825-0044, 820-2730 825-0045 Fax BF HOMES - PARAÑAQUE near Plaza Avenue 65 President’s BF Homes, Avenue, corner Aguirre City Parañaque 809-9385, 809-8778, 809-8083 809-8861 Fax - SOUTH SUPER BICUTAN HIGHWAY Compound, Columbian Motors South Service Road, West Km 16 1700 Bicutan Highway, Super MM Parañaque, 823-3964, 823-6965, 823-5486 823-3932 Fax AVENUE DR. A. SANTOS Avenue, A. Santos Dr. Bldg. LT City Parañaque 825-1381, 820-6792, 820-6439, 820-1855 825-1364 Fax NAVOTAS PARAÑAQUE FILINVEST - ALABANGFILINVEST Life Corporate Centre, G/F Insular Filinvest Corporate Avenue, Alabang, 1781 Corporate City, City Muntinlupa 771-2157, 771-2158, 771-2209, 771-2173 771-2159 Fax - POBLACION MUNTINLUPA Center Bldg., G/F Elizabeth Poblacion, Road, National City Muntinlupa 861-4366, 861-4367 861-4364 Fax SM SUPERCENTER MUNTINLUPA UG/F SM Supercenter Tunasan, Muntinlupa, Barangay City Muntinlupa Road, National 659-1624, 659-1625, 659-1627, 659-1628 659-1626 Fax - ALABANG STARMALL Metropolis, G33, Manuela Unit Alabang Highway, Super South City Muntinlupa Interchange, 807-2290, 807-2291, 807-2286, 807-2288 807-2289 Fax - ALABANG TIERRA NUEVA Alabang-Zapote Arcade, Sycamore 1702 Road, National Road, City Alabang, Muntinlupa 807-4759, 842-1406, 842-3255 807-4755 Fax A. SANTOS - A. SANTOS SOUTH EXPRESSWAY A. Santos 8385 Dr. E & F, Units MM Parañaque, Avenue, 829-4178, 829-4180, 829-4181 829-4179 Fax NAVOTAS Bldg. Commercial Seafront Navotas Blvd., Bay North 282-7368, 282-7369, 283-8352, 283-2610 282-6535 Fax DRIVE VIRGO - NORTHBAY Northbay III Bldg., Melandrea Drive, Virgo near corner Blvd. MM Navotas, 282-9801, 282-9802, 282-9803, 282-9804 282-1009 Fax MUNTINLUPA ALABANG - MUNTINLUPA Service Road, West Alabang, Muntinlupa 850-1338, 850-1565, 850-6905, 850-1339 842-1848 Fax ALABANG HILLS Don RBC Corporate Centre, Cupang, Barangay Blvd. Jesus City Muntinlupa 772-3693, 772-3694, 772-3695, 842-9006 772-3693 Fax ALABANG AYALA G/F Condominium C Unioil corner Avenue Acacia Center Bldg. Ayala Alabang, Avenue, Commerce Muntinlupa 772-2722, 772-2919, 772-2932, 772-2893, 807-2412 772-2723, 807-2419 Fax ALABANG - AYALA RICHVILLE CENTER Richville Center 1314 Commerce Madrigal Extension, Avenue Ayala Alabang, Park, Business City Muntinlupa 809-3322, 809-3323, 809-3330, 809-4191, 807-3419 809-3868 Fax MARIKINA - J.P. RIZAL - J.P. MARIKINA 1800 Elena, Sta. Rizal St., 265 Jose City Marikina 646-1798, 646-1799, 646-8533 646-1796 Fax MARIKINA - LAMUAN near corner Malaya Rizal St. J.P. City Lamuan, Marikina Brgy. St., 948-1270, 948-1276, 948-1924 948-1937 Fax MARIKINA - SUMULONG HIGHWAY Amang St. Paz Corner E. Dela Nino, Sto Avenue, Rodriguez City Marikina 646-9649, 646-2414, 646-2041, 647-9933 646-9650 Fax SM CITY MARIKINA Barangay G/F SM City Marikina, City Calumpang, Marikina 477-1771, 477-1779, 477-1775 477-1776 Fax BRANCH DIRECTORY
SUCAT - VILLA MENDOZA PASAY JULIA VARGAS PASIG - MANGGAHAN Dr. A. Santos Avenue corner Libertad corner Colayco St. IBP Bldg. Julia Vargas Avenue, Amang Rodriguez Avenue, Villa Mendoza Subd., Pasay City Ortigas, Pasig City Manggahan, Pasig City Sucat Rd., Parañaque 551-6877, 556-6068, 551-2513, 638-7767, 637-6610, 637-6606, 646-3177, 681-1844 820-0019, 826-5789, 825-5871 551-6876, 831-0593, 551-4475, 687-6157, 638-7771, 687-5835, Fax 681-1842 Fax 826-6487 831-0502 687-6339 Fax 831-0502, 551-4475 Fax 638-7770 PASIG - PIONEER PASAY Pioneer Centre, Pioneer St. corner PASAY - DOMESTIC ROAD MERALCO - ORTIGAS United & Brixton St., Kapitolyo, Caltex Compound (PDSC / Meralco Compound, Ortigas Pasig City BACLARAN Park ‘N Fly Bldg.) NAIA corner Avenue, 1604 Pasig City 638-8574, 638-8575, 638-8577 2987 Taft Avenue Extension, Domestic Road, 1300 Pasay City 622-6009, 622-6002, 622-6096 Fax 738-5981 Pasay City 851-2230, 851-5360, 851-5361, Fax 631-6360 854-5401, 832-5030, 853-5136 851-2242 PASIG BLVD. EXT. - ROSARIO Fax 831-2231 Fax 851-2210 ORTIGAS - EXCHANGE ROAD Along Pasig Blvd. Extension, G/F, PSE Center, Exchange Road, Rosario, Pasig City BUENDIA - TAFT SM CORPORATE OFFICES Ortigas Commercial Complex, 642-8406 to 09 317 Sen. Gil Puyat Avenue, Bldg 104 J.W. Diokno Blvd., Mall Pasig City Fax 641-5828 Pasay City
BDO ANNUAL REPORT 2009 of Asia Complex, Pasay City 636-3729, 635-2902, 635-2903, 551-0243, 832-7200, 524-6642 833-6710, 833-7378, 833-8702 635-2904, 635-2905, 636-6153 ROBINSON’S - METRO EAST Fax 831-3342 Fax 833-6469 Fax 636-3728, 636-3729 Level 1 (L1 160 & 162), Robinsons Metro East, EDSA - PASAY SM MALL OF ASIA A ORTIGAS - Marcos Highway, Pasig City 507 EDSA corner B. Garcia St., G/F Main Mall, SM Mall of Asia, OCTAGON CENTRE 682-9112 to 17 1300 Pasay City J.W. Diokno Blvd., Mall of Asia G/F Octagon Centre, San Miguel Fax 682-9114 831-7741, 833-7016, 831-0035, Complex, Pasay City Avenue, Ortigas Center, Pasig City 833-6832 556-0013 to 15 706-5576, 706-5575 ROCKWELL - ORTIGAS Fax 831-4493 Fax 556-0014 Fax 706-5582 Level 1, Tower 2, The Rockwell Business Center, Ortigas Avenue, EDSA - TAFT SM MALL OF ASIA B ORTIGAS AVENUE EXT. - Pasig City EDSA corner Zamora St. G/F Entertainment Mall, SM Mall PASIG 470-3243, 470-4802, 470-9661, Pasay City 56 of Asia, J.W. Diokno Blvd., Mall of B. Gan Commercial Bldg. 470-3051 833-1505, 833-0996 Asia Complex, Pasay City Ortigas Avenue Extension, Fax 470-3081 Fax 833-1448 556-0017, 556-0018, 556-0019, Rosario, Pasig City 556-0021, 900-2035 643-6799, 916-7455, 640-5270, SHAW - PASIG BLVD. LEVERIZA - LIBERTAD Fax 556-0020 640-5271, 640-5272 145 Pasig Blvd., Pasig City 212 Libertad St., Pasay City, Fax 916-7454 661-3601, 661-3602, 661-3603 Metro Manila TAFT - LIBERTAD Fax 661-3604 833-1143, 831-8190, 834-8783, MCF Bldg. 2250 Taft Avenue ORTIGAS AVENUE EXT. - 831-5889 corner College Road, Pasay City ST. JOSEPH SHAW BLVD. - Fax 833-1149 831-6630, 831-5808, 551-9238 15 A, Ortigas Avenue Extension ESCRIVA DRIVE Fax 833-3069 corner Monaco St., Pasig City Amber Square, Shaw Blvd. near NAIA 1 656-1080, 656-1082, 655-0368 corner Escriva Drive, Pasig City Arrival Area, Ninoy Aquino Fax 655-0368 470-7189, 470-7198, 470-7204 International Airport, Ninoy PASIG Fax 470-7204 Aquino Avenue, Parañaque PASIG - A. MABINI 879-6201, 879-6202, 8771-4057 ADB AVENUE ORTIGAS G/F CFM Bldg. No. 97 A. Mabini SILVER CITY - PASIG Fax 879-5196 Robinson’s PCIBank Tower, ADB Avenue, Ortigas Center, 1600 St., Pasig City L1-012, L1-013 & L1-014, 641-2298, 642-3755, 641-4168 Level 1, Auto Mall, Frontera Verde NEWPORT CITY Pasig City Fax 642-6834 Drive corner Julia Vargas St., G/F Newport Office Bldg. 1, 634-2116, 634-2125, 634-2131, Ortigas, Pasig City Newport City, Pasay City 634-2124 PASIG - KAPASIGAN 638-5399, 637-2634, 497-2523, 556-0623, 556-0043, 804-0116 Fax 634-2119 Mariposa Arcade, A. Mabini corner 633-2065 Fax No. 556-0040 CAPITOL - PASIG Dr. Pilapil St. Pasig City Fax 633-7176 641-0557, 640-1633, 640-1643 One E-Com Center 125 Shaw Blvd. Corner Danny Fax 640-0564 SIXTO ANTONIO - PASIG G/F One E-Com Center, Palm Floro St., Pasig City Sixto Antonio Avenue corner Coast Avenue, Mall of Asia 636-3820, 636-3822, 636-3824, PASIG - KAPITOLYO R. Bedaña St., Pasig City Complex, Pasay City 634-1328 G/F A. B. Sandoval Bldg. 640-3411, 640-1197, 641-0620 556-4267, 556-4268, 556-4269 Fax 634-1330 Shaw Blvd. corner Oranbo Drive, Fax 641-0619 Fax 556-4270 EMERALD AVENUE Pasig City G/F Unit 101 Taipan Place, Don 638-2130, 638-2132, 634-1329 Francisco Ortigas Jr. Road, Pasig 638-2129, 637-2256 635-4117, 914-3544, 637-7329, Fax 637-2256 634-7957 Fax 634-2014 BDO ANNUAL REPORT 2009 57 BRANCH DIRECTORY DEL MONTE AVENUE DEL MONTE Barangay Avenue, Monte 63 Del City Quezon Manresa, 367-1678, 365-1653, 366-1689, 365-1651 413-4882 Fax HILLS DILIMAN - CAPITOL Balara, Old Drive, 16 Capitol Hills City Quezon Diliman, 932-4817, 932-3550, 932-8493, 932-1615 932-8493 Fax DILIMAN - MATALINO St., G/F J & L bldg., Matalino City Quezon Diliman, 921-9956, 434-2763, 434-2764, 434-2765 434-2768 Fax E. RODRIGUEZ Avenue, Sr. 1162 E. Rodriguez City Quezon Manila, New 724-4203, 724-3977, 722-1009, 725-2408 724-3983 Fax - E. RODRIGUEZ ROTONDA WELCOME 40 E. Rodriguez G/F AEK Bldg., Manuel, Don Avenue, Sr. City Quezon 742-7028, 741-0281, 742-6880, 741-2179 742-7028 Fax CITYEASTWOOD - . JR. AVE E. RODRIGUEZ Arcade, Commercial Magnitude Avenue, Jr. E. Rodriguez City Quezon Bagumbayan, 911-1929, 421-6913, 421-6914 421-6915 Fax CITYEASTWOOD - IBM PLAZA Eastwood City, G/F IBM Plaza Libis, Avenue, Jr. E. Rodriguez City Quezon 911-3679, 911-9853, 421-0530, 395-1017 421-0528 Fax CITYEASTWOOD - TECHNOPLAZA Orchard One, Plaza Techno G/F Libis Eastwood City, Road, 667-3160, 440-1797 667-3054 Fax EDSA - BALINTAWAK KM. 12 17-19 ANPN Plaza Unit City Quezon EDSA, Balintawak, 330-1712, 330-1657, 455-5808, 455-5807, 330-9622 455-5806 Fax BANAWE - KITANLAD BANAWE corner Kitanlad, 23-25 Banawe City Quezon 740-3285, 732-2065 732-9620 Fax - N. ROXAS BANAWE corner St. Roxas 71 Nicanor City Quezon St., Banawe 743-7555, 743-7545, 743-7552, 743-7572 743-3459 Fax COMMONWEALTH Spirit Holy Bldg. Teresita G/F Antonio Heights, Don Drive, City Quezon 932-4717, 932-8764, 932-3398 932-9286 Fax - COMMONWEALTH DON ANTONIO Center, Antonio Sports Don Spirit Antonio (former Holy Don Antonio Heights Don Drive), City Quezon Subdivision, 931-1359, 931-5212 931-3215 Fax - CONGRESSIONAL AVENUE MINDANAO Extension Avenue Congressional Avenue, corner Mindanao City Quezon 925-2626, 925-2629, 925-2630, 925-2631, 455-2394, 455-1498 925-2627 Fax AVENUE CONGRESSIONAL System I Excelland The Avenue, Congressional City Quezon 920-5613, 454-9560 920-5614 Fax GARDENS CORINTHIAN Ortigas BDO Leasing Center, City Quezon Avenue, 636-1758 or 631-8683 632-9005 Fax - GENERAL ARANETA CUBAO Bldg., Cubao G/F Philamlife Araneta Corner Gen. Blvd. Aurora Cubao, Avenue, Malvar City Quezon 913-4474, 913-4438, 912-5381 912-5384 Fax DEL MONTE - SIENNA Avenue, Monte 409 Del City 1105 Quezon 367-1642, 414-7373, 366-9152, 367-1640, 414-9000, 414-9001 367-1641 Fax ANONAS – KAMIAS ANONAS – Anonas St. Bldg., Bank Security East Kamias, corner K-6 St. City 1102 Quezon 921-2408, 922-6603, 925-5315 922-0460 Fax - ANONAS BLVD. AURORA Blvd. Aurora Bldg. Manahan corner Anonas Avenue, City Quezon 421-3814, 421-3816 421-3813 Fax - BLVD. AURORA CENTRUM BROADWAY Centrum Broadway Blvd. Condominium, Aurora St., Rodriguez Juana corner Doña City Quezon Valencia, 1112 725-7250, 727-4522, 726-9372, 726-6238 724-4821 Fax - HEMADY BLVD. AURORA Corner Hemady Blvd. 708 Aurora 1110 Manila, New St., City Quezon 723-5372, 724-6185, 412-0054, 724-8909 721-8665 Fax - BLVD. AURORA DAME NOTRE corner Blvd. 0137 Aurora 1110 Cubao, St. Dame Notre City Quezon 911-9108, 913-5024, 913-5025, 913-5026, 913-5020, 912-0464 911-9833 Fax YALE - BLVD. AURORA St. Yale corner Blvd. Aurora City Quezon Cubao, 912-2720, 912-2715, 911-9261, 438-6505, 995-7046 911-8892 Fax - AGNO BANAWE corner Agno St., 202-204 Banawe City 1103 Quezon 712-4774, 743-3432, 712-4760, 413-6471, 413-6470 712-4742 Fax - AMORANTO BANAWE 650 N. S. Amoranto Avenue City Quezon St., corner Banawe 743-4952, 415-9864, 415-9865, 712-4702, 741-0114, 741-0115, 741-3745 731-9149 Fax PATEROS QUEZON CITY QUEZON ABS CBN - ST. IGNACIA MOTHER G/F Wing, 25 South No. Stall Sgt. E.A. Esguerra ELJCC Bldg. St., Ignacia corner Mother Avenue City Quezon 925-6731 to 35 925-6736 Fax - ACROPOLIS JR. E. RODRIGUEZ 191 E. Rodriguez Bldg., G/F ACO Bagumbayan, Avenue, Jr. City Quezon 637-5362, 440-4370, 440-4371, 440-4372 440-4368 Fax ROAD - ELISCO PATEROS I, Phase Homes, East Mansion East, Rosario Sto. Road, Elisco Pateros 641-4729, 641-3542, 642-9587, 385-0942 641-8927 Fax - POBLACION PATEROS Almeda St., Bldg., G/F Milaor Pateros Poblacion, 643-9456, 643-9458, 643-9463, 643-9465 643-9467 Fax SM SUPERCENTER PASIG SM SUPERCENTER Pasig, G/F SM Supercenter Ortigas Center, Verde, Frontera City Pasig 637-7326, 637-7952, 637-8536, 637-9239 637-7326 Fax 100 - ORTIGAS STRATA Emerald 100 Bldg., G/F Strata City Pasig Avenue, 631-2848, 638-3669, 631-2851, 914-3846, 638-3670 632-7084 Fax VERDE - VALLE JR. E. RODRIGUEZ, 7 & 8 Cathay Builder’s Unit Jr. E. Rodriguez Bldg. Corp. corner Carlo J. Caparas St. Avenue Pasig Ugong, Barrio 671-1863, 914-3370, 671-0523 671-1609 Fax BRANCH DIRECTORY
EDSA - NEW FARMERS PLAZA LOYOLA HEIGHTS - NOVALICHES - FOREST ROBINSON’S GALLERIA - 3F Concourse Area, New Farmers KATIPUNAN HILLS ORTIGAS Plaza EDSA, Araneta Center, 331 SMRC Bldg. 3, Katipunan Lot 2 D 1 Quirino Avenue, Robinson’s Galleria, Ortigas Quezon City Avenue corner B. Gonzales St., Novaliches, Quezon City Avenue, 1602 Quezon City 995-0206, 995-0207 Loyola Heights, Quezon City 937-1313, 937-0989, 935-4636 632-9880, 632-9881, 635-2112, Fax 995-0206 426-0201, 426-6546, 434-8546, 936-1345, 417-3432 910-5484, 632-9822, 632-9879, 426-6812, 426-0240 Fax 937-1152 632-9821, 635-7726 EDSA - NEW YORK Fax 426-0237 Fax 632-9866 EDSA corner New York St., NOVALICHES - LAGRO Cubao 1111 Quezon City MAKRO CUBAO Lot 2-B-6 (LRC) PSD-341349, RUSTAN’S CUBAO 437-3646, 912-3670 EDSA corner Main St. Cubao, Quirino Highway, Lagro, RC-01A Times Square Avenue Fax 437-3645 Quezon City Novaliches, Quezon City near corner Gen. Roxas St. Araneta 421-1689, 421-1690, 421-1691, 935-4892; 935-4893; 935-4890; Center, 1109 Quezon City EDSA CUBAO 912-6173 935-4891; 935-4895 438-5564, 438-5565, 438-5566 596 Simeon Medalla Bldg. corner Fax 421-1691 Fax 935-4890 Fax 438-5564 Gen. McArthur Avenue, EDSA, Quezon City MAYON PITIMINI - ROOSEVELT SAVEMORE - NOVALICHES 911-1235, 912-1750, 911-1249 G/F Alpha Bldg. 174 Mayon St. EBC Bldg. Roosevelt Avenue, Savemore Novaliches, General Luis
BDO ANNUAL REPORT 2009 Fax 911-1239 La Loma, Quezon City corner Pitimini St., SFDM, St., Novaliches, Quezon City 414-3606, 414-3607, 740-9164, Quezon City 938-2432, 938-8082, 938-8084 FAIRVIEW 742-7679, 742-7675 412-1745, 412-6137, 412-6738, Fax 938-3170 Don Mariano Marcos Avenue, Fax 732-9673 372-5988 Fairview, Quezon City Fax 372-5987, 373-7171 SCOUT ALBANO - 938-2712, 938-2503, 937-8436 MAYON - AMORANTO QUEZON AVENUE Fax 939-9898 489 Units A & B Mayon St., PROJECT 8 - SHORTHORN 1488 Quezon Avenue, 1103 South Sta. Mesa Heights, Quezon City BDO Bldg., No. 41 Shorthorn St., Triangle, Quezon City G. ARANETA - BRIXTON HILL 742-6013, 742-5201, 749-1629 Barangay Toro, Project 8, 373-1611, 410-8093, 372-3309, G/F ILO Bldg. 195 G. Araneta Fax 413-3697 Quezon City 410-8092, 372-3321,416-6264, Avenue, Quezon City 926-0840, 926-0819, 926-0820, 416-6496 714-3546, 714-3988, 715-3005, MAYON - N. ROXAS 926-0839, 453-1248 Fax 410-8092 714-7688 No. 241 Mayon Avenue corner Fax 926-0827 58 Fax 714-3547 Nicanor Roxas St., 1161 SCOUT LIMBAGA - Quezon City Q. I. - E. RODRIGUEZ SR. T. MORATO GLORI - DEL MONTE 740-2118, 743-8936, 743-8939 G/F Ablaza Bldg., 117 E. 102 & 103, The Forum, Tomas 627 Del Monte Avenue, San Fax 740-2058 Rodriguez Avenue, Quezon City Morato Avenue corner Sct. Francisco Del Monte, Quezon City 740-1091, 740-1906, 742-1340, Limbaga St., 1103 Quezon City 367-7159, 365-6801, 365-6802, MEZZA RESIDENCES 411-1091 929-4596, 922-6623, 928-1982 367-7169 G/F Mezza Residences, Aurora Fax 732-8290 Fax 928-9671 Fax 365-6804 Blvd. corner Araneta Ave., Guirayan St., Brgy. Doña Imelda, QUEZON AVENUE - ARANETA SM CITY FAIRVIEW A ISIDORA HILLS Quezon City 103 Aries Bldg. Quezon Avenue, Quirino Highway corner Regalado BDO Bldg., Pook Ligaya Riding 516-0755, 516-0756, 516-0757 Quezon City St. Fairview, Quezon City Ground, Interneighborhood Road, Fax 516-0753 712-3411, 712-3522, 731-2354, 935-0042, 939-5015, 935-0041, Isidora Hills Subdivision, 410-2884 937-8925, 938-4271 Barangay Holy Spirit, Quezon City MUÑOZ - ROOSEVELT Fax 712-3522 Fax 938-4691 951-7744, 951-7742, 951-7741, 328 Mesa Holdings Bldg., 951-7743 San Francisco Del Monte, QUEZON AVENUE - SM CITY FAIRVIEW B Fax 430-2101 Quezon City CORDILLERA Quirino Highway corner Regalado 372-6689, 411-0475, 376-4682 No. 37 Quezon Avenue corner Avenue, Fairview, Quezon City KAMIAS ROAD 411-0405 Cordillera St., Quezon City 935-0688, 417-9022 Trinidad Bldg., Kamias Road Fax 373-9690 731-7284 to 86, 412-3785, Fax 417-1056 corner K-J St., Quezon City 412-3784, 413-2317, 413-2316 426-4414, 426-4415, NEW MANILA - Fax 731-7286 SM CITY FAIRVIEW C 426-4416 E. RODRIGUEZ SR. LGF, Annex 2, SM City Fairview, Fax 426-4417 Unit 1G & 2E, 284 Doña Anita QUEZON AVENUE - Quirino Highway corner Regalado Bldg., E. Rodriguez Sr. Avenue, HEROES HILLS Avenue, Fairview, Quezon City KATIPUNAN - XAVIERVILLE Quezon City 1052 Quezon Avenue, 1103 355-2401, 355-2403, 355-2404, G/F Xavierville Square 410-6651, 410-6652, 410-6653 Quezon City 355-2405 Condominium, 38 Xavierville Fax 410-6654 372-4919, 413-3779, 372-4916, Fax 355-2402 Avenue, Loyola Heights 372-4936, 372-9528 Quezon City NOVALICHES Fax 372-4917 SM CITY NORTH EDSA A 434-1019, 929-8069, 929-8077 1016 Quirino Highway Town G/F The Block SM City North Fax 929-8028 Proper, Barangay Monica EDSA corner North Avenue, Novaliches, Quezon City Quezon City 939-8468, 939-8590, 938-0225 928-4329, 928-3243, 929-2173, Fax 939-8588 927-9813, 426-4605 Fax 927-8774 BDO ANNUAL REPORT 2009 59 TAGUIG BRANCH DIRECTORY BONIFACIO GLOBAL CITY - GLOBAL BONIFACIO LEGENDS FORT cor. Tower Legends G/F Fort Avenue, & 3rd 31st Street Taguig City, Bonifacio Global 856-0637, 856-0630, 856-0598 856-0609 Fax CITY - GLOBAL BONIFACIO MARKET MARKET Market, 101 Market No. Space Taguig City, Bonifacio Global 886-6476, 886-6477, 886-6479, 886-6480 886-6475 Fax GREENHILLS GREENHILLS - WEST Ortigas 101 Limketkai Bldg. City Juan San Avenue, 721-4414, 726-3660, 726-3732 721-4362 Fax GREENHILLS - WILSON Don corner St., Wilson 227 City Juan San St., Miguel 727-3764, 396-1515, 727-3943 724-5856 Fax GREENHILLS SHOPPING CENTER Greenhills Center, G/F Jewellery Ortigas Ave., Center, Shopping City Juan San 722-3316, 722-3312, 721-0515, 721-5556, 726-8213, 722-1380 724-2065 Fax - SAN JUAN ORTIGAS 102-103 Sunrise Units Condominium, Ortigas Avenue, City Juan 1500 San 721-1909, 721-4787, 726-1308, 721-5024 724-9405 Fax - SAN JUAN AVENUE ORTIGAS Greenhills, 209 Ortigas Avenue, City Juan San 724-7114, 724-7091, 724-9156, 724-8561, 726-7364, 724-7189, 724-7169 724-7075 Fax SAN JUAN City Juan San St. 88 N. Domingo 725-5019, 724-8036, 744-1751 724-4384 Fax V-MALL Greenhills V-Mall, G/F New City Juan San Center, Shopping 725-9085, 726-6752, 726-6892 726-6207 Fax SAN JUAN BLUMENTRITT - SAN JUAN BLUMENTRITT 127 Blumentritt Lot 11-B, Block St., Toribio corner Sto. Manila Metro City, Juan San 723-7360, 744-1277, 744-1278, 744-3464 744-1277 Fax CONNECTICUT Square Fox 53 Connecticut St., East Greenhills, National Bldg., City Juan San 722-6210, 722-9888, 725-3163, 721-0224 727-7415 Fax GREENHILLS Complex, Shopping Greenhills City Juan San Ortigas Avenue, 721-2730, 721-2750, 721-3451, 722-6816 721-4211, 721-2761 Fax GREENHILLS – ROOSEVELT corner Ortigas Avenue EBC Bldg., San Greenhills, Avenue, Roosevelt City Juan 721-3641, 722-7238, 726-7625, 722-1388, 726-7867, 722-7243, 722-7237, 722-7284, 721-8333, 726-7653 726-7835, 721-2574 Fax WEST AVENUE Avenue, West 68 Carbal Bldg. City Quezon 371-4689, 412-1063, 371-8786 374-2296 Fax - BALER WEST AVENUE Avenue, West 118 Bldg. G/F Jafer City Quezon 928-7286, 928-3626, 928-0538, 928-7291 928-3621 Fax - DEL MONTE WEST AVENUE 1104 Avenue, West 40 No. City Quezon Triangle, West 412-8049, 371-4672, 371-4673, 371-4669 371-4663 Fax MAYA - EAST WEST AVENUE East Maya corner Avenue West 160 City Quezon Drive, 411-5426, 410-7611 426-2626 Fax TRADE CENTER - WEST WEST AVENUE Center, Trade West #1, G/F Unit City Quezon Avenue, West 925-3447, 415-8947, 415-8948 415-8949 Fax TEACHER’S VILLAGE TEACHER’S 107 2 Bldg., G/F Luisa Village, Maginhawa Teacher’s St., City Quezon 433-6780, 433-8720, 433-8716, 433-6805 433-8716 Fax TIMOG Timog Bldg. 26 Cedar Executive St. Tobias corner Scout Avenue City Quezon 413-4112, 414-8347, 372-6647, 376-3450 372-6648 Fax TIMOG - EDSA 1103 Avenue, Timog 134 No. City Quezon 928-4268, 928-4269, 922-9031 928-4263 Fax TIMOG - ROTONDA Tomas Suites Palace G/F Imperial Avenue, Timog corner Morato City Quezon Triangle, South 928-3168, 920-7875 928-3109 Fax TIMOG TOWERS - VICTORIA Towers, Victoria F-2 & F-3 Unit corner Panay Avenue Timog City Quezon Avenue, 332-1606, 332-1346, 332-1568, 332-1603 410-1940 Fax - MORATO TOMAS KAMUNING Tomas Corner Kamuning & City Quezon Morato, 925-7847, 927-8907, 416-1810 416-1809 Fax AVENUE VISAYAS Avenue Visayas M & L Bldg. Vasra, 1, Barangay corner Road City Quezon 426-7701, 453-6172, 927-6151 926-9302 Fax - AVENUE VISAYAS 6 PROJECT (near Sanville Avenue Visayas 57 City Quezon Subdivision), 929-3648, 927-7373, 924-2238, 455-7220 927-8710 Fax - WALTERMART EDSA NORTH Center - North Mart Walter G/F Veterans St., EDSA, Dangay City Quezon Village, 332-1116, 332-1117, 332-1118 332-1115 Fax SM CITY NORTH EDSA B EDSA SM CITY NORTH EDSA Annex I SM City North corner EDSA, Avenue North Bldg., City Quezon 426-3909, 456-6580, 925-5604 920-2972 Fax EDSA C SM CITY NORTH EDSA, SM Center Complex North City 1105 Quezon 456-6578, 456-6579, 927-8645, 926-2090 928-6932 Fax MESA SM CITY STA. Annex Bldg. Mesa SM City Sta. City Quezon Blvd. Aurora 715-0547, 714-4678, 715-0537, 713-4915, 715-7476, 715-0559 714-4676, 716-0619, 713-4916, 716-0343, 716-0344 715-0543 Fax SM CUBAO Cubao, G/F SM Cubao, City Quezon 911-0558, 911-3538, 911-8410, 912-5632, 912-5631 912-6687 Fax KATIPUNAN - IGNATIUS ST. Ignatius St. 134 Katipunan Avenue, City Quezon Village, 912-8133, 437-1212, 437-1213, 912-8177 437-1211 Fax DOMINGO STO. Avenue, Domingo 6 Sto. City Quezon 732-2934, 732-6219, 742-6448, 732-2917, 732-6219, 712-1540 712-5294 Fax - ROOSEVELT NIÑO ST. STO. San Avenue, 284 Roosevelt 1105 San Monte, Del Francisco City Antonio, Quezon 411-1475, 410-8079, 410-8080, 372-2310 372-2310 Fax SORA TANDANG corner Avenue Sora Tandang City Quezon Road, Marcel 938-7786, 930-6533 456-3724 Fax TAGUMPAY SORA - TANDANG Sora Tandang 578 M & J Bldg., St., Tagumpay corner Avenue City Quezon Era, New Barangay 951-4227, 456-7473, 456-7472, 932-7877 456-7473 Fax BRANCH DIRECTORY
BONIFACIO GLOBAL CITY - PASO DE BLAS - LEGASPI CITY - RIZAL ST. BATANGAS - MC HOME DEPOT NORTH EXPRESSWAY Rizal corner Gov. Imperial St., PALLOCAN WEST G/F MC Home Depot, 32nd St. 97 Paso de Blas 1400 Legaspi City Manuela Pastor Avenue, Pallocan corner Bonifacio Ave., Bonifacio Valenzuela City (052)481-4481 to 82, 820-2528, West, Batangas City Global City, Taguig 294-0698, 294-0699, 432-1209 (02)429-1508, 702-6000 (043)980-0529, 723-8047, 818-1972, 819-0772, 819-1982, Fax 294-0697 local 2181 723-8376, 723-7814, 815-2463, 816-1028 Fax (02)429-1508 (02)702-6000 local 2539 Fax 818-7905 SM SUPERCENTER Fax (043)723-8162 VALENZUELA LEGASPI CITY - ROTONDA BONIFACIO GLOBAL CITY - Unit 126 G/F SM Supercenter Rizal St., 4500 Legaspi City, Albay BATANGAS - SAN JUAN PICADILLY STAR Valenzuela, MacArthur Highway, (052)480-7956, 820-4258, Marasigan corner Kalayaan St., G/F Picadilly Star Corporate Karuhatan, Valenzuela City 480-6688, 820-2413, 820-1464, San Juan, Batangas Center, 4th Ave. cor. 27th St., 292-4354, 292-9704, 293-0427, (02)702-6000 local 2919 (043)575-4319, 575-4287, Bonifacio Global City, Taguig 293-3858 Fax (052)480-7361 341-3034, 429-3002, 403-3785, 403-3786, 403-3787 Fax 292-2847 (02)702-6000 local 2779 Fax 403-3784 BATAAN Fax (02)429-3002 VALENZUELA BONIFACIO GLOBAL CITY - Km. 15 MacArthur Highway, BATANGAS - STO. TOMAS BALANGA - A. BANZON ST. LUKE’S BDO ANNUAL REPORT 2009 Dalandanan, Valenzuela City Maharlika Highway, San Antonio, A. Banzon St., City of Balanga, St. Luke’s Medical Center, Rizal 292-1959, 292-3974, 292-3899, Sto. Tomas, Batangas 2100 Bataan Drive cor. 5th Ave. & 32nd St., 292-3960 (043)778-6361, 778-0535, (047)237-2070, 237-2150, Bonifacio Global City, Taguig Fax 432-0093 318-0388, 405-6886, (02)702-6000 local 2956 403-3840, 403-3843, 403-3852 (02)702-6000 local 2978 Fax (047)237-4775 Fax 403-3848 VALENZUELA - Fax (043)778-6361 GEN. T. DE LEON C5 - TAGUIG Gen. T. De Leon St., BATANGAS BATANGAS CITY - G/F Ridgewood Square, C-5 Valenzuela City RIZAL AVENUE Avenue, Ususan, Taguig City 292-3365, 292-3748, 292-3512, BATANGAS - BALAYAN Rizal Avenue corner P. Burgos St., 882-5630, 882-5633 292-3367 Antorcha St., Balayan, Batangas 4200 Batangas, Batangas City Fax 882-5634 Fax 292-3738 (043)211-4686, 921-3974, (043)723-1054, 723-5974, 407-1194, 429-2704, 723-5975 to 77, 786-4236 to 37, 60 FORT BONIFACIO - LUZON (02)702-6000 local 2852 520-6191, (02)702-6000 MCKINLEY HILL Fax (043)921-1059 local 2935 G/F Three World Square, ABRA Fax (043)723-1054, (02)520-6191 McKinley Hill, BATANGAS - BAUAN Fort Bonifacio, Taguig Kapitan Ponso St., Bauan, LIPA - AYALA HIGHWAY 403-2712, 403-2734, 403-2736 ABRA - BANGUED Batangas Casa Esperanza Bldg. Ayala Fax 403-2735 Unit 12, The Rosario Bldg., Taft (043)727-1514 to 15, 984-1457, Highway, Barangay Mataas na St. corner Magallanes St., 2800 (02)702-6000 local 2851 Lupa, Lipa City VALENZUELA Bangued, Abra Fax (043)727-1515 (043)757-3981, 757-3982, (074)752-5273, 752-5274, 981-2020, (02)520-6227 KARUHATAN - 752-8094, 662-0001 BATANGAS - KUMINTANG Fax (02)520-6227 MACARTHUR HIGHWAY Fax (074)752-8093 Along National Highway, Barangay Km. 13 MacArthur Highway, 1441 Kumintang, Ilaya, Batangas City, LIPA - C.M. RECTO Karuhatan, Valenzuela City ALBAY Batangas 131 C.M. Recto St., 4217 291-4785, 291-1828, 292-1711, (043)723-1698, 723-0197, Lipa City, Batangas 291-4784 723-4579, 980-1280, (043)756-6847 to 48, Fax 291-4783 ALBAY - DARAGA (02)702-6000 local 2265 Rizal St., 4501 Daraga, Albay 756-2313, (02)702-6000 Fax (043)7231698 MALANDAY - MACARTHUR (052)483-3729, 483-3245, local 2949 HIGHWAY 824-1858, 824-1992 Fax (043)756-1515 BATANGAS - LEMERY Km. 17 MacArthur Highway, Fax (052)824-0272 Ilustre Avenue corner LIPA - ROBINSON’S PLACE Malanday, 1405 Valenzuela City Lakandula St., Lemery, Batangas Level 1, Space L1-177, Robinson’s 443-7539, 443-7540, 443-7541, ALBAY - POLANGUI (043)411-1803 & 05, Place - Lipa, Ayala Highway, 277-0111 Provincial Road corner Brgy. Road, (02)429-2803, 702-6000 Lipa City, Batangas Fax 443-7540 Brgy. Ubaliw, Polangui, Albay local 2627 (02)840-7000 local 39611, (043)757-3062, 981-2018, Fax (02)429-2803 MARULAS - MACARTHUR (052)486-2399, 486-2397 (02)702-6000 local 2848 HIGHWAY Fax (052)486-2398 Fax (043)757-3062 BATANGAS - P. BURGOS Lot 16 & 17 MacArthur Highway, P. Burgos St., cor. Evangelista St., LIPA - ROTONDA Valenzuela City ALBAY - TABACO Brgy. Poblacion, Batangas City CM Recto Avenue, Lipa City 291-6089, 293-2708, 291-6058, Along Ziga Avenue, Tabaco, Albay (02)584-4337, (043)723-1048, (043)756-2869, 756-2808, 291-6049, 291-6046 (052)487-7744, 487-7755, 723-3138 757-0820, (02)520-6273, Fax 293-2711 (02)840-7000 local 6733 Fax (02)520-6173 Fax (052)487-7777 (02)702-6000 local 2918 Fax (043)756-3898 BDO ANNUAL REPORT 2009 61 CAGAYAN
BRANCH DIRECTORY CAGAYAN - APARRI - APARRI CAGAYAN St., corner R.F Balisi Rizal St. Cagayan Aparri, (078)888-2516, 822-8304, (02)702-6000 local 2847 (078)822-8779 Fax: - TUGUEGARAO ST. BONIFACIO Cagayan Tuguegarao, Bonifacio St., (078) 846-2691, 844-2405,(02)702-6000 local 2938 (078)844-0708 Fax MEYCAUAYAN - MEYCAUAYAN HIGHWAY MACARTHUR Highway, MacArthur Liberty Bldg. Bulacan Meycauayan, Calvario, (044)721-0820, (02)702-6000 local 2104 (044)228-2853, 935-3815 Fax - MALHACAN MEYCAUAYAN Hills, Northern Barangay Bulacan Meycauayan, Malhacan, (044)695-3927, 695-3131, 935-1162, 228-3766, 702-6000 local 2770 (044)695-3144 Fax - ZAMORA MEYCAUAYAN Calvario, Barrio St., Zamora Bulacan Meycauayan, (044)228-3133, 840-1386, 935-2528, 840-5296, 702-6000 local 2944 (044)935-2527 Fax SM CITY BALIWAG Barangay G/F SM City Baliwag, Bulacan Baliwag, Cristo, Sto. (044)761-0705, 761-0709, 761-0711, 702-6000 local 2269 (044)761-0721 Fax SM CITY MARILAO MacArthur G/F SM City Marilao, Bulacan Marilao, Highway, (044)933-2002 to 04, 711-1330 (02)299-6835 Fax: MARIA - STA. WALTERMART Maria Sta. Waltermart G/F corner Road Provincial Road, Pass By Clara, Sta. Brgy. Bulacan Maria, Sta. (044)641-5185, 641-0265, (02)299-6383 (02)299-6383 Fax BULACAN - PLARIDEL BULACAN Road, Valley Along Cagayan Bulacan Plaridel, Banga, (044)670-2396, 760-4757, 760-4758, 760-4759 (02)299-8525 Fax - PULILAN BULACAN Highway, Trinidad Remedios Doña Bulacan Pulilan, Cristo, Sto. (044)676-0494, 676-0225, 815-0577, (02)702-6000 local 2945 (02)299-8329 Fax - SAN RAFAEL BULACAN Road, Valley Km. 60, Cagayan Bulacan Rafael, San Cruz na Daan, (044)677-1550 to 51, 677-1545, (02)702-6000 local 2864 (044)677-1548 Fax MARIA - STA. BULACAN HALILI F. GOV. Avenue, Halili F. Gov. NEM Bldg., Bulacan Maria, Sta. Bagbaguin, (044)641-2099, 641-1899, 641-2851, (02)702-6000 local 2812 (02)299-6375 Fax MARIA - STA. BULACAN M.G. DE LEON Poblacion, #15 M.G. de Leon St., Bulacan Maria, 3022 Sta. (044)641-1578, 641-1548, 641-4725, (02)702-6000 local 2829 (044)641-4725 Fax - CONGRESO MALOLOS Agustin San Congreso, Del Paseo Bulacan 3000 Malolos, (044)791-6286, 662-3411, 662-1388, (02)732-6839 (044)791-9241 Fax - MACARTHUR MALOLOS HIGHWAY A, The Cabanas S1 Cabana Space Highway, MacArthur Mall, City Malolos (044)760-4476 to 78, (02)584-4152 (044)760-4476 Fax - MACARTHUR MARILAO HIGHWAY I-3 Cecilia Commercial Unit Norte, Complex, Abangan 3019 Highway, MacArthur Bulacan Marilao, (044)711-1609, 760-0475 to 76, 711-3405, (02)702-6000 local 2933 (044)711-3405 Fax BULACAN BENGUET - LA TRINIDAD - LABENGUET Km. 4 Balilli, S & B Bldg., Benguet Trinidad, 2601 La (074)422-1092, 422-2461, 309-3685, (02)702-6000 local 2835 (074)422-1092 Fax SM CITY BAGUIO Upper UG/F SM City Baguio, City Baguio Road, Session (074)619-7623 to 28, (02)702-6000 local 2183 (074)619-7624 Fax BALIWAG - J.P. RIZAL - J.P. BALIWAG Jose, San Rizal St., J.P. Bulacan Baliwag, (044)766-1185, 766-1224, 766-1225, 673-2587, (02)702-6000 local 2861 (044)673-2562, 766-7600 Fax - TAGLE BALIWAG St., Tagle corner Rizal St. Bulacan Baliwag, (044)673-0063, 766-1423, 766-1134, 766-1148 (02)711-4697 Fax - BALAGTAS BULACAN Barangay Highway, MacArthur Bulacan 3016 Balagtas, Juan, San (044)693-4342, 693-3406, 918-1402, 918-1254, (02)702-6000 local 2860 (044)918-1402 Fax - BOCAUE BULACAN Barangay Highway, MacArthur 1st, Bocaue, Bulacan Biñang (044)692-4269, 692-4280, 692-4284, (02)702-6000 local 2243 (044)692-4278 Fax – HAGONOY BULACAN ng Hagonoy G/F Ang Puso Center Plaza, Shopping Bulacan Hagonoy, (044)793-0588, 793-3520, (02)702-6000 local 2977 (044)793-3519 Fax - OBANDO BULACAN Barangay Rizal St., J.P. Catanghalan, 3021 Bulacan Obando, 292-2775, 294-0690, 294-3784 294-0689 Fax BENGUET SQUARE - ABANAO BAGUIO corner Abanao Square, Abanao City Baguio St., Zandueta (074)442-6027 to 28, 442-1809 to 11, (02)702-6000 local 2914 (074)442-2791 Fax - LEGARDA BAGUIO Yandoc Bldg. Lady of Fatima Our City Baguio Kayang Extension, St. (074)442-4063, 442-5638, 443-8720, 446-6352, (02)702-6000 local 2594 (074)444-3415 Fax - LUNETA BAGUIO Pack corner Gov. Hill Luneta City Baguio Road, Session Road, (074)442-8250 to 52, 442-2889, (02)702-6000 local 2079 (074)442-8253, 444-9924, Fax 442-2583 - SESSION ROAD BAGUIO Life Bldg., National G/F, City Baguio Road, Session (074)443-8137, 443-5028, 443-8201, 443-8202, 442-3818, (02)702-6000 local 52255 (074)444-9924, 442-2583 Fax SM CITY BATANGAS Barangay G/F SM City Batangas, City Batangas West, Pallocan (043)783-2556 to 57, 783-2534, 980-5951, 724-8877, 886-7140, 885-6377 (02)886-7140 Fax SM CITY LIPA Highway, G/F SM City Lipa, Ayala Batangas Lipa City, (043)756-4482, 756-4485, 756-4474, (02)702-6000 local 2084 584-4023 Fax - A. MABINI TANAUAN 4232 Tanauan St., A. Mabini Batangas (043)405-0710 to 11, 405-0711, 778-2682, 778-2137, (02)702-6000 local 2701 (043)778-0438 Fax - TANAUAN HIGHWAY LAUREL J.P. Highway Laurel J.P. President Poblacion, St., Castillo Sixto corner Batangas Tanauan, (043)778-7041 to 44, (02)702-6000 local 2628 (043)778-7042 Fax BRANCH DIRECTORY
CAMARINES NORTE CATANDUANES CAVITE - DASMARIÑAS CAVITE CITY - P. BURGOS TECHNO PARK Corner P. Burgos & P. Julio Sts., Governor’s Drive, Barangay Caridad, 4100 Cavite City CAMARINES NORTE - DAET CATANDUANES - VIRAC Paliparan I, Dasmariñas, Cavite (046)431-7640 to 43, J. Lukban St. corner Moreno St., San Juan corner Rizal Sts., (02) 529-8137, 529-8138 (02)702-6000 Poblacion, Daet, Camarines Norte 4800 Virac, Catanduanes Fax (046)972-2175 local 2895 (054)721-4300, 440-2488, (052)811-2231, 811-1434, Fax (046)431-0755 440-2499, 440-2500, (02)702-6000 local 2248 CAVITE - GENERAL TRIAS (02)702-6000 local 2806 Fax (052)811-1434 GATEWAY KAWIT - BINAKAYAN Fax (054)429-0034 Gateway Business Park, C. Delos 1497 National Road, Binakayan, CAVITE Reyes Avenue, 4107 Gen. 4104 Kawit, Cavite CAMARINES SUR Trias, Cavite Fax (046)434-5676 BACOOR (046)433-0179, 433-0180, CAMARINES SUR - PILI FRC Mall Gen. Evangelista St. 433-0272, (02)741-5138 SM CITY BACOOR Santiago, Pili, Camarines Sur near corner Zapote-Rotonda, Fax (046)433-0178 UG/F SM City Bacoor, (054)361-0067, 477-3389, Bacoor, Cavite Gen. Aguinaldo Highway corner 477-3390, (02)702-6000 (046)870-2759, 870-2760, CAVITE - IMUS AGUINALDO Tirona Highway, Bacoor, Cavite local 2267 417-3446, 417-3496, 417-3314 HIGHWAY 970-5700 to 01, (046)417-4380 Fax (054)477-3389 BDO ANNUAL REPORT 2009 Fax (02)529-8957 G/F DCR Bldg., Aguinaldo Fax (02)886-4668 Highway, 4103 Imus, Cavite IRIGA CITY BACOOR - (046)875-7242 to 43, SM CITY DASMARIÑAS Iriga Plaza Hotel AGUINALDO HIGHWAY 471-0989, (02)702-6000 SM City Dasmariñas, Barrio Pala- Msgr. Lanuza St., San Francisco, Gen. E. Aguinaldo Highway, local 2785 Pala, Dasmariñas, Cavite Iriga City, Camarines Sur Panapaan, Bacoor, Cavite Fax (046)471-3214 (046)432-3020, 432-3080, 432- (054)655-0305, 299-2329, (046)417-2998, 417-3169, 3040, 973-0162, (02)886-4221 299-2380; 299-3649, 417-2998, 417-6782, CAVITE - IMUS ANABU Fax (046)432-3010 (02)702-6000 local 2834 (02)702-6000 local 2271 Gen. Aguinaldo corner Ambrosia Fax (054)456-0069 Fax (046)417-6752 Road, Anabu I, Imus, Cavite SM CITY ROSARIO (046)515-9950, 515-9951, G/F SM City Rosario, General NAGA - GENERAL LUNA CAVITE - CARMONA (02) 529-8612 Trias Drive, Brgy. Tejero, Nos. 80-82 General Luna St. Governor’s Drive, Barangay Fax (02)529-8612 Rosario, Cavite 62 Dinaga, Naga City Maduya, 4116 Carmona, Cavite (02)584-4273, (046)489-8640, (02) 250-8150, (02)702-6000 (046)430-1771, 430-1773, CAVITE - IMUS NUENO 489-8639, 489-8637, 489-8638 local 2073, (054)811-2891, 839-2899, (02)699-2015, AVENUE Fax (046)489-8641 811-2846, 473-6731, 473-6639 520-8297 358 Exodus Bldg. Nueno Avenue, Fax (02)250-8150 Fax (046)430-1773, (02)840-7329 Emus, Cavite SM SUPERCENTER MOLINO local 2389 (046)970-8733, 471-4065, G/F (Units 127-130) NAGA - MAGSAYSAY AVENUE 970-8734 SM Supercenter Molino, Magsaysay Avenue, Naga City CAVITE - EPZA Fax (02)843-0215 Molino Road, Bacoor, Cavite (054)811-5109, 811-1232, Cavite EPZA Compound, (046)474-3041 to 45 811-1234, 250-8036, 4106 Rosario, Cavite CAVITE - NAIC Fax (02)844-3381 (02)702-6000 local 2702 (046)437-6267, 437-2643, Governor’s Drive corner Soriano Fax (054)811-1232 (02)529-8843, (02)702-6000 Highway, Naic, Cavite TAGAYTAY - ROTONDA local 2896 (046)412-2634, 412-2635, Frablyn Tower (Tolentino Bldg.), NAGA - PLAZA RIZAL Fax (046)4376866 412-2618 Emilio Aguinaldo Highway, Gen. Luna St., 4400 Naga City, Fax (046)412-2633 Tagaytay (Near Tagaytay Rotonda) Camarines Sur CAVITE - DASMARIÑAS (046)413-0352 to 53, 413-0355, (054)473-9016, AGUINALDO HIGHWAY CAVITE - SILANG (02)702-6000 local 2946 811- 2157, 250-8092, 702-6000 G/F Digital Bldg., Gen. Emilio 194 J. Rizal corner M. Belen Sts., Fax (046)860-2164 local 2934 Aguinaldo Highway, Silang, Cavite Fax (054)473-7913 Dasmariñas, Cavite (046)414-1643, 414-1644, ILOCOS NORTE (046) 416-4320, 850-4041, 414-1048 NAGA - SAN FRANCISCO 850-2212, 416-6644 Fax (046)414-2108 ILOCOS NORTE - BATAC Barangay San Francisco, Fax (046)850-2214 Peñafrancia Avenue, Naga City CAVITE - TRECE MARTIRES Aoigan Bldg., Washington St., Batac 2906 Ilocos Norte (054) 472-6602, 472-6603, CAVITE - DASMARIÑAS FCIE El Paseo Arcade, Indang-Trece (077)792-3092, 617-1556, 811-8861, 811-8862, Governor’s Drive, Barangay Road near corner Governor’s Drive, (02)702-6000 local 2979 (02)250-8015, 702-6000 Langkaan, Dasmariñas, Cavite Trece Martires, Cavite City Fax (077)792-3375 local 2189 (632)584-4167, (046)419-3248, 419-3208, Fax (02)250-8015 (046)402-1134-35, 402-0151 419-2200, (02)702-6000 LAOAG - BALINTAWAK Fax (632)584-4167, local 2783 Corner Rizal & Balintawak Sts., SM CITY NAGA (046)402-1134 Fax (046)419-3238 G/F SM City Naga, Brgy. 2900 Laoag City, Ilocos Norte Triangulo, Central Business (077)772-1123, 772-0315, District II, Naga City 771-4021, 771-3903 (054)472-1198, 472-1199, (02)702-6000 local 2948 811-2285, 811-2783 Fax (077)771-4021 Fax (02)250-8176 BDO ANNUAL REPORT 2009 63 BRANCH DIRECTORY SAN PABLO - MAHARLIKA - MAHARLIKA SAN PABLO HIGHWAY Maharlika Arcade, Paz G/F Bien Rafael, San Junction, Highway City Pablo San (02)584-4138, (049)562-1778, 562-1779 (02)584-4138 Fax - RIZAL ST. SAN PABLO Rizal St. PCI Bldg., 2/F Equitable Alcantara St., corner P. Laguna City, Pablo San (049)561-1881, 561-1882, local 2988 561-1883, Avaya (049)561-1881 Fax SAN PEDRO Center Bldg. Business Tayao Laguna Pedro, San St. A. Mabini 868-0352, 808-7013, 847-3699, 847-2688 868-0353 Fax - NATIONAL SAN PEDRO HIGHWAY Highway, National Bldg. Mega Laguna Pedro, San 868-7348, 868-5995, 868-5949 808-5939 Fax - PACITA SAN PEDRO Km. 31, G/F M. Allen Bldg., Highway, National National, Old Laguna Pedro, San 868-4994, 868-4995, 868-4997, 868-2130, 520-2859 868-4998 Fax ROSA SM CITY STA. Barrio Rosa, G/F SM City Sta. Laguna Rosa, Sta. Tagapo, (049)534-9823, 534-9824, 534-9825, 534-9826, (02)843-0216 (02)844-7870 Fax - DON JOSE ROSA STA. Tagaytay - Rosa Sta. PCC Bldg., Jose, Don Brgy. Road, Laguna Rosa, Sta. (02)584-4233, 702-6000 local 2884, (049)544-1042, 544-1043 (049)837-2538 Fax - SOUTH ROSA STA. EXPRESSWAY Cruz, Sta. Pulong Road National Laguna Rosa, 4026 Sta. (049)539-0295, (02)520-8198, 886-4738 (02)886-4738, (049)837-2491 Fax CALAMBA Center Bldg. J. Alcasid Business Crossing, Highway, National Calamba, Laguna (049)545-7214, 545-7215, (02)520-8858 (02)520-8858 Fax CALAMBA - PARIAN Cecilia Sta. Highway, National Old Laguna Calamba, Parian, Village, (049)545-2171, 545-2177, 545-2149 (02)520-8868 Fax - CALAMBA CROSSING NORTH National Calamba Crossing 4027 Calamba, Laguna Highway, (049)545-4707, 545-4708, 545-5981, (02)520-8847 (049)545-4706 Fax - CABUYAO LAGUNA Center, Business G/F Lim-Bell Cabuyao, Laguna Rizal St., J.P. (049)531-4109, 531-4110, 531-4338, (02)702-6000 local 2863 (049)832-0458 Fax CRUZ - STA. LAGUNA St., Along Regidor Cruz, Laguna Sta. (049)808-0229; (049)808- 0238;(02)702-6000 local 2700 (049)808-0226 Fax LAGUNA - TECHNOPARK Admin. Technopark G/F Laguna Avenue, Main 1, North Bldg. Laguna Biñan, Technopark, Laguna (02)584-4196, (049)502-5108, 502-5109, 541-3073, 541-3074 (02)584-4194 Fax BAÑOS LOS Cinema Plaza Olivarez Complex, Along & Supermarket Barangay Highway, National Los Baños Malake, Batong (049)536-6355, 536-6358, (02)520-8363, 702-6000 local 2695 (02)584-4121 Fax - COLAGO SAN PABLO Colago Avenue Bldg. Mary Grace Pablo San St. corner M. L. Quezon (049)562-1026 to 27, 800-0322, (02)702-6000 local 2393 (02)584-4121 Fax
LAGUNA LA UNION ISABELA SANTIAGO - ISABELA SANTIAGO MAHARLIKA HIGHWAY corner Highway Maharlika Victory Norte, Avenue, Quezon Isabela City, Santiago (078)682-5946, 682-8592, 682-4060, (02)702-6000 local 2959 (078)682-8592, 682-8245 Fax BIÑAN Canlalay, Barrio A. Bonifacio St. Laguna Biñan, (049)411-4030, 411-4031, 411-4032 (02)520-8274 Fax BIÑAN – A. MABINI St., A. Mabini Bldg., Rey Laguna 4024 Biñan, Poblacion, (049)511-7788, 511-9924, 511-9926, 411-2926, (02)426-4816 (02)429-4816 Fax BIÑAN - SAN ANTONIO Highway, Km. 35 National Laguna Antonio, Biñan, San (049)411-4261, 411-4213, 520-6765, (02)702-6000 local 2533 (049)511-6952 Fax LA UNION - AGOO Highway, Along National Agoo, La Union Nicolas, San Brgy. (072)710-2129 to 30, (02)702-6000 local 2774 (072)710-2128 Fax LA UNION SAN FERNANDO - AVENUE QUEZON Avenue, Quezon La Union Fernando, 2500 San (072)700-1387, 242-0239, 700-1392, (02)702-6000 local 2828 (072)700-1388 Fax LA UNION SAN FERNANDO - RIZAL AVENUE corner Ortega St. Rizal Avenue La Union Fernando, San (072)607-8422, 607-8424, 607-8417, 702-6000 local 2097 (072)607-8423 Fax ISABELA ILOCOS SUR ILOCOS ISABELA - CAUAYAN Highway, Along National Isabela Cauayan City, (078)652-1289, 652-2330, 897-1490, (02)702-6000 local 2811 (078)652-2421 Fax ISABELA - ILAGAN Highway, Along Maharlika Isabela Calamagui 2nd, Ilagan, (078)624-0017, 622-2653, (02)702-6000 local 2810 (078)622-3503 Fax ISABELA - ROXAS Mallig Bantug, Road, 23 Osmeña Isabela 3320 Roxas, Plain, (078)642-8638, 642-8636, (02)702-6000 local 2990 (078)642-7166 Fax ISABELA - SANTIAGO CENTRO City Road Bldg., A & A Musngi East, Centro St., corner Carreon Isabela City, Santiago (078)682-2986, 682-2918, (02)702-6000 local 2893 (078)682-2957 Fax SUR - CANDON ILOCOS St., Abaya cor. Highway National Sur 2710 Candon, Ilocos (077)742-4167, 742-4157, 644-0250, 644-0251, 742-6410, (02)702-6000 local 2856 (077)742-6410 Fax VIGAN - PLAZA MAESTRO Commercial Maestro G/F Plaza Sts., & Florentino Complex, Burgos Sur Ilocos City, Vigan (077)722-3930, 722-3965, 722-3974, (02)702-6000 local 2699 (077)722-3934 Fax AVENUE VIGAN - QUEZON & Quezon Corner Bonifacio St. Sur Ilocos Vigan, 2900 Avenue, (077)722-6760, 722-1780, 722-1781, 722-2581, (02)702-6000 local 2095 (077)722-2582 Fax - CASTRO LAOAG Rizal corner J.P. Bldg., Pichay Laoag City Sts., A. Castro (077)771-5433, 772-0266, 770-3702, 770-3703, (02)702-6000 local 2096 (077)771-6098 Fax BRANCH DIRECTORY
WALTERMART - STA. ROSA NUEVA ECIJA - GUIMBA PAMPANGA PAMPANGA - APALIT San Lorenzo drive corner Balibago Afan Salvador St., 3115 Guimba, G/F Quintos Bldg., MacArthur Road, Barangay Balibago, 4026 Nueva Ecija Highway, San Vicente, Apalit, ANGELES - BALIBAGO Sta. Rosa, Laguna (044)611-0056, 611-0058, Pampanga G/F Lawrence Plaza, McArthur (02)520-8683, (049)837-4976, 943-0212, (02)702-6000 (045)879-1247, 879-1249, Highway near corner Charlot St., 534-4630-32 local 2870 302-8510, (02)702-6000 Balibago, Angeles City Fax (049)837-4977 Fax (044)611-2058 local 2815 (045)892-4230, 625-7775, Fax (045)879-1248 NUEVA ECIJA NUEVA ECIJA - MUÑOZ 892-4187, 892-5241, (02)702-6000 local 2778 T. Delos Santos St. Science City of PAMPANGA - GUAGUA Fax (045)625-7647 CABANATUAN - Muñoz, Nueva Ecija Yabut Bldg., Plaza Burgos, 2003 (044)456-0892 to 93, Guagua, Pampanga MAHARLIKA ROAD ANGELES - MACARTHUR 456-0123, (02)702-6000 (045)900-0213, 900-4454, Maharlika Road, near corner HIGHWAY local 2947 901-0629, 900-0194, 900-0060, Sanciangco St., Cabanatuan City G/F Excelsior Bldg. 314 Fax (044)456-0356 (02)702-6000 local 2854 (044)463-3985, 463-3408, MacArthur Highway, Barangay 463-3264, (02)702-6000 Fax (045)900-0194 NUEVA ECIJA - SAN JOSE Claro M. Recto, Angeles City local 2822 (045)626-2050, 626-2051, Maharlika Road, 3121 San Jose PAMPANGA SAN FERNANDO - Fax: (044)463-3264 626-2053, (02)702-6000
BDO ANNUAL REPORT 2009 City, Nueva Ecija DOLORES local 2146 (044)947-1376, 947-1527, MacArthur Highway, Dolores 2000 CABANATUAN - Fax (045)626-2052 MEGACENTER MALL 947-2998, 947-2999, City of San Fernando, Pampanga (02)702-6000 local 2199 (045)860-0884, 961-2907, Unit 49-B UG/F Megacenter, ANGELES - STO. ROSARIO Fax (044)511-1527 963-4084, (02)702-6000 The Mall Gen. Tinio & Melencio Plaza Rafael I, 151-D Sto. Rosario local 2981 St., Cabanatuan City St., Sto. Domingo, Angeles City NUEVA ECIJA - STA. ROSA Fax (045)961-5286 (044)463-3160, 463-3271, (045)887-0202, 887-0404, Along Maharlika Highway, Sta. 463-3285, (02)702-6000 887-1313, 887-1212, Rosa, Nueva Ecija PAMPANGA SAN FERNANDO - local 2929 (02)246-8400, (02)702-6000 (044)940-1117 to 19, GEN. HIZON Fax: (044)463-3143 local 2530 940-1109, (02)702-6000 Gen. Hizon Extension, Fax (045)887-0505 CABANATUAN - local 2874 San Fernando, Pampanga Fax (044)940-1118 (045)961-5196, 860-6379, NE PACIFIC MALL ANGELES CITY - MIRANDA 64 (02)749-1160 G/F, Unit PA 5&6, NE Pacific PCIB Bldg., Miranda St. 2009 NUEVA ECIJA - TALAVERA Fax (045)961-5156 Mall, Maharlika Highway, Angeles City, Pampanga Maharlika Highway, Marcos Cabanatuan City (045)888-7712, 887-7242, District, Talavera, Nueva Ecija PAMPANGA SAN FERNANDO - (044)940-2025, 940-2026, 888-7373, 322-6032, 888-4935, (044)951-1422, 951-1443, MACARTHUR HIGHWAY (02)702-6000 local 2878 (02)702-6000 local 2915 411-1738, 951-1463, 951-1401, G/F Doña Isa Fel Bldg. II, Fax (044)940-2026 Fax (045)887-7242, 887-7378 (02)702-6000 local 2871 MacArthur Highway, Dolores, Fax (044)411-1276 San Fernando City, Pampanga CABANATUAN - ANGELES CITY - NEPO MART (045)961-0831 to 33, PACO ROMAN G/F Angeles Business Center, NUEVA VIZCAYA (02)702-6000 local 2629 Melencio corner Paco Roman St. Teresa Avenue, Nepo Mart Fax (045)961-0834 Cabanatuan City Complex, Angeles City (044)463-0476, 600-2581, NUEVA VIZCAYA - SOLANO (045)888-8335, 322-4478, 463-7277, 464-1535, National Highway, Solano, PAMPANGA SAN FERNANDO - 888-6119, 888-1522, SAN AGUSTIN (02)702-6000 local 2093 Nueva Vizcaya (02)702-6000 local 2913 MacArthur Highway, Barangay Fax: (044)463-0477 (078)326-7283, (02)702-6000 Fax (045)888-1027 local 2991 San Agustin, San Fernando, Pampanga CABANATUAN - Fax (078)326-7754 CLARK SEZ - CENTENNIAL (045)963-5244, 963-5193, SANCIANGCO Centennial Road, Clark Special 963-5194, 963-5241, Sanciangco St., Cabanatuan City ORIENTAL MINDORO Economic Zone, Clarkfield, (02)702-6000 local 2814 (044)464-0909, 463-5853, Pampanga Fax (045)963-5193 600-3251, (02)702-6000 MINDORO - CALAPAN (045)599-3487, 893-4149, local 52824 J.P. Rizal St., 5200 Calapan, 893-4107, 599-5668, 599-5666, Fax (044)463-0020 PAMPANGA SAN FERNANDO - Oriental Mindoro (02)702-6000 local 2980 SINDALAN (043)441-1553, 288-4104, Fax (045)599-5667 NUEVA ECIJA - GAPAN Palm Bldg., MacArthur Highway, (02)702-6000 local 2698 Sindalan, San Fernando City, Tinio St., 3105 Gapan, CLARK SEZ - PUREGOLD Fax (043)288-4666 Pampanga Nueva Ecija Unit 10-G, Puregold Duty Free (045)636-4113, 636-4114, (044)486-0305, Bldg., CM Recto Highway, PALAWAN (02)702-6000 local 2813 486-2235, 486-3345, Clark Special Economic Zone, (02)702-6000 local 2823 Fax (045)860-0278 PUERTO PRINCESA Clarkfield, Pampanga Fax (044)486-2288 (045)599-3284, 599-3285, 261 Rizal Avenue, 5300 Puerto 599-3286, 599-3288, Princesa City, Palawan (02)702-6000 local 2932 (048)434-4244, 433-2679, Fax (045)599-3287 433-2491, (02)702-6000 local 2992 Fax (048)433-2713 BDO ANNUAL REPORT 2009 65 BRANCH DIRECTORY CAINTA - A. BONIFACIO - A. CAINTA Center, Ledor Commercial corner A. Bonifacio Avenue Juan, San Barangay St., Samonte Cainta, Rizal 655-5646, 655-4358, 655-9013 655-2313 Fax JUNCTION CAINTA Ortigas Avenue Bldg. Hipolito Cainta Junction, Extension, Cainta, Rizal 655-8022, 240-3145, 240-3182 655-8021 Fax CAINTA MAKRO Huerta Cainta, Felix Makro Cainta, Rizal Avenue, 655-1866, 656-2996, 655-5972 655-5072 Fax SUMULONG MARCOS HIGHWAY Arcade, Kingsville Commercial 1870 Highway, Marcos Antipolo, Rizal 645-8156, 668-1296, 645-5323 645-4934 Fax HIGHWAY MARCOS & Country Commercial Town corner Highway Marcos Arcade, Cainta, Rizal St. Narra 668-1983, 668-1197, 668-1199, 668-1235, 668-1976 668-1207 Fax - EXT. AVENUE ORTIGAS CAINTA Furnishing 7-9 Philfoam Units Km 23 OrtigasAvenue Bldg., Cainta Rizal Extension, 669-1711, 658-1110, 240-3454, 660-9663, 669-1721, 240-3588, 240-3611 658-1080 Fax SM CITY TAYTAY Taytay, A, SM City G/F Bldg. Barangay East Road, Manila Rizal Taytay, Dolores, 661-1934 to 37 661-1938 Fax EAST - CAINTA LUCIA STA. Mall, East Grand Lucia Sta. corner Felix Hi-Way Marcos 1900 Cainta, Rizal Avenue, 681-5232, 681-5296, 681-5171, 681-5173 681-5172 Fax RIZAL ANGONO - AVENUE M. L. QUEZON Plaza, G/F AB Commercial Barangay Avenue, M.L. Quezon Angono, Rizal Isidro, San 470-0487, 470-0485, 470-0568, 470-0543 470-0485 Fax - ANTIPOLO ROAD CIRCUMFERENTIAL corner Road Circumferential Antipolo City St., Manalo F. 696-5205, 696-5216, 696-5208 696-5212 Fax - ANTIPOLO HIGHWAY SUMULONG Highway, Sumulong BDO Bldg., Antipolo Mayamot, Masinag, 682-4194, 682-4195, 682-4198 682-4196 Fax MASINAG ANTIPOLO Highway Marcos Bldg. Tripolee Highway, near corner Sumulong Antipolo Mayamot, 645-6041, 682-4654, 647-9948 645-6135 Fax PLAZA ANTIPOLO II M. L. Bldg. Gatsby Antipolo St. Quezon 650-8233, 696-0021, 650-7030 697-0050 Fax LUCENA - MERCHAN LUCENA Fernando corner San St. Merchan City Lucena St. (042)660-3760, (02)702-6000 local 2088 (042)373-4979 Fax AVENUE - QUEZON LUCENA St., corner Profugo Avenue Quezon Quezon City, Lucena (042)373-5721 to 22, 710-3468, 660-7797, 710-2916, (02)702-6000 local 2819 (042)373-5930 Fax - CANDELARIA QUEZON St., Valle Rizal corner 4323 Candelaria, Quezon (042)741-1084, (02)250-8414, 702-6000 local 2855 (02)250-8414 Fax SM CITY LUCENA Pagbilao G/F SM City Lucena, City Lucena Road, National (042)710-6108, 710-6723, 660-7296 (02)889-6790 Fax QUEZON PANGASINAN - CARMEN PANGASINAN Carmen East Highway, MacArthur Pangasinan 2441 Rosales, (075)582-7372, (02)702-6000 local 2982 (075)582-2925 Fax – LINGAYEN PANGASINAN Rizal East, 80 Avenida Pangasinan Lingayen, (075)662-1283, 662-1284, 542-8004, (02)702-6000 local 2850 (075)542-8003 Fax - SAN CARLOS PANGASINAN Carlos City, 2420 San St., Polaris Pangasinan (075)532-4522, 532-3844, (02)702-6000 local 2820 (075)532-4522 Fax SM CITY ROSALES Carmen East, SM City Rosales, Pangasinan Rosales, (075)564-2595, 564-2575, 653-0213 to 14, (02)702-6000 local 2678 (075)564-2575 Fax - ALEXANDER URDANETA City, Urdaneta Alexander St., Pangasinan (075)656-0005 to 07, (02)702-6000 local 2268 (075)656-0006 Fax - MACARTHUR URDANETA HIGHWAY MacArthur 182 LIS Bldg. Urdaneta Vicente, San Highway, (075)624-2288, 568-4225, (02)702-6000 local 2232 (075)568-4182 Fax LUCENA - ENRIQUEZ - ENRIQUEZ LUCENA St., corner Evangelista Enriquez City Lucena (042)373-7798, 373-7793, 373-5556, (02)702-6000 local 2805 (042)373-7799 Fax - GULANG-GULANG LUCENA Extension, Avenue 505 Quezon Gulang-gulang, Barangay City Lucena (042)373-5573 373-7127, (02)702-6000 local 2538 (042)373-5410 Fax PANGASINAN DAGUPAN - FERNANDEZ DAGUPAN 2400 Avenue, A.B. Fernandez Pangasinan City, Dagupan (075)515-8266, 523-4860, 522-2792, 515-2469, 523-5441, (02)702-6000 local 2832 (075)522-2791 Fax - PEREZ DAGUPAN City Dagupan Blvd. 386 Perez (075)523-4002, 522-2055, 523-5240, 522-2007, (02)702-6000 local 2098 (075)515-4189 Fax - TAPUAC DAGUPAN Goose 8, 9, 10 Mother Units School Bldg., Play Highway, MacArthur District, Tapuac Pangasinan City, Dagupan (075)523-3591, 523-6330, 523-6331, 515-6114, 523-5630, 515-2185, (02)702-6000 local 52541 (075)523-3591 Fax - ALAMINOS PANGASINAN 2404 Palamis Avenue, Marcos Alaminos, Pangasinan (075)551-5692, 551-3353, 551-5615, 552-7106, (02)702-6000 local 2983 (075)551-5632 Fax - CALASIAO PANGASINAN Bldg., Academy Tesoro G/F Señor Calasiao, Pangasinan Miguel, San (075)522-0393, 522-9606, 523-9207, (02)702-6000 local 2767 (075)517-2985 Fax SM CITY CLARK G/F SM City Clark, Pampanga Field, Clark (045)625-5622, 625-5623, 625-5636, (02)584-4003, 702-6000 local 2131, 2233 (045)625-5621 Fax A SM CITY PAMPANGA G/F SM City Pampanga, Pampanga Fernando, San (045)961-2304, 961-2327, 921-2236, (02)741-7018 (02)741-7016, 963-5262 Fax B SM CITY PAMPANGA Annex G/F SM City Pampanga Pampanga Fernando, 4, San Bldg. (045)455-0142, 455-0143, 455-0144, 445-0145, 455-0146, (02)702-6000 local 2113 (045)455-0144 Fax BRANCH DIRECTORY
STA. LUCIA EAST - Fax (045)982-1298 BOHOL CEBU - BOGO FELIX AVENUE TARLAC - J. LUNA P. Rodriguez corner San Vicente G/F Phase 1, Sta. Lucia Grand J. Luna St. near corner St., 6010 Bogo, Cebu City BOHOL - TAGBILARAN Mall, Marcos Highway corner MacArthur Tarlac, Tarlac (032)434-8900, 251-2030, CP Garcia Avenue, 56300 Felix Avenue, Cainta (045)982-8158, 982-9005, 256-3574, (02)702-6000 Tagbilaran City, Bohol 682-6071, 682-6030, 682-6429 982-5539, 982-3192, local 2833 (038)411-4921, 411-2085, Fax 682-6134 (02)702-6000 local 2836 Fax (032)434-8619 501-9890, (02)702-6000 Fax (045)982-3192 local 2781 TAYTAY - CEBU - BORROMEO Fax (038)235-3373 MANILA EAST ROAD TARLAC – PANIQUI Borromeo corner Magallanes St., BDO Bldg., East Road, M.H. Del Pilar St., MacArthur Cebu City Taytay, Rizal Highway, 2307 Paniqui, Tarlac CAPIZ (032)255-6165, 253-7449, 660-5393, 660-5392, 286-3203 (045)931-0298, 931-1843, 256-3583, 412-3737, Fax 286-3271 931-0355, (02)702-6000 ROXAS – ROXAS AVENUE (02)702-6000 local 2172 local 2853 Roxas Avenue, Roxas City, Capiz Fax (032)253-8823 TAYTAY NATIONAL HIGHWAY Fax (045)931-0298 (036)621-0210, 621-6112, Korte Rosario Restaurant, Taytay 621-4962, 338-0648, CEBU - CAPITOL National Highway, Ilog Pugad, ZAMBALES (02)702-6000 local 2802 Osmeña Blvd. corner Fax (036)621-0054
BDO ANNUAL REPORT 2009 Barangay San Juan, Taytay Rizal Ma. Cristina St., 6000 658-6574, 660-6870, 286-3495, OLONGAPO Cebu City, Cebu 660-6070 G/F & 2F KT Tower, Rizal Avenue CEBU (032)254-2803, 254-4643, Fax 658-6575 east corner 18th St. 256-0237, (02)702-6000 Bajac, Olongapo City CEBU - A.S. FORTUNA local 2970 SORSOGON (047)222-3974, 222-9473, G/F Tanaka Bldg. 869 A. S. Fax (032)253-0659 224-5063, (02)702-6000 Fortuna St. Banilad, Mandaue City CEBU - CONSOLACION SORSOGON CITY local 2989 (032)343-3497, 416-2044, Son Bldg., R. Magsaysay Avenue, Fax (047)222-2250 (02)702-6000 local 2118 G/F Annex Bldg., Fooda Sorsogon City Fax (032)343-3498 Saversmart, Consolacion, Cebu (056)211-2391, 421-5501, SUBIC - TIMES SQUARE (032)236-3367, 236-3368, 211-1821, (02)702-6000 420 Rizal Highway Subic Bay CEBU - ASIATOWN IT PARK 236-3369, (02)702-6000 local 2705 66 local 2808 Freeport Zone, 2200 Olongapo G/F TGU Tower, Salinas Drive cor. Fax (056)211-2100, 421-5107 City, Zambales J.M. Del Mar St., Asiatown Fax (032)236-3369 (047)252-7050, 252-2939, IT Park, Apas, Cebu City CEBU - CUENCO TARLAC 252-7090, (02)702-6000 (032)479-9027, 238-9714, local 2910 (02)702-6000 loc 39605 NSLC Bldg. M. J. Cuenco Avenue, Fax (047)252-7420 Fax (032)238-9719 Cebu City SM CITY TARLAC (032)256-2469, 256-2474, U & LGF, SM City Tarlac, CEBU - (02)702-6000 local 2075 MacArthur Highway, San Roque, VISAYAS AYALA BUSINESS PARK Fax (032)253-3801 Tarlac City Cebu Towers, Mindanao corner (045)606-3221, 606-0405, AKLAN Bohol Avenue, Cebu Business CEBU - ESCARIO 606-0497, (02)519-4096 Park, Cebu City Cebu Escario St. Cebu City Fax (045)606-0056 AKLAN - KALIBO (032)238-8153, 238-8154, (032)254-0482, 254-0408, Along XIX Martyrs St., 238-8155, 238-8156, 412-3779, (02)702-6000 TARLAC - CAMILING Kalibo, Aklan (02)702-6000 local 2242, 2542 local 2100 Romulo St., Brgy. Poblacion A, (036)268-8612, 268-8613, Fax (032)238-8161 Fax (032)254-4305 Camiling, Tarlac 500-7221, 500-7954, (045)934-3640, 934-3642, (02)702-6000 local 2858 CEBU - AYALA CENTER CEBU - F. GONZALES 934-3646 Fax (036)268-8610 Stall 286A, Level 2, West Entry, F. Gonzales corner Magallanes St., Fax (045)934-3643 Ayala Center Mall, Cebu City Cebu Business Park, (032)253-2246, 416-5088, TARLAC - CONCEPCION ANTIQUE Cebu City 6000 254-8191, 254-8192, 254-8193, L. Jaena corner L. Cortes St., (032)233-9623, 233-9627, 254-8194, (02)702-6000 San Nicolas, 2316 Concepcion, ANTIQUE 233-9621, (02)702-6000 local 2922 Tarlac Corner Gov. Villavert St. & Gov. local 2923 Fax (032)254-2245 (045)923-0792, 923-0630, Gella St., San Jose, Antique 5700 (036)540-8398, 540-7770, Fax (032)233-9620 (02)702-6000 local 2837 CEBU - F. RAMOS 320-1814, 320-2002, Fax (045)923-0034 134 Borromeo Bldg., F. Ramos (02)702-6000 local 2257 CEBU - BANILAD G/F PDI Condominium, corner Arlington Pond, Cebu City TARLAC - F. TAÑEDO Fax (036)540-8398 Gov. Cuenco Avenue, Banilad, (032)255-0959, 412-5808, F. Tañedo corner Juan Luna St., Cebu City 253-6545, 254-9757, Tarlac City (032)234-0184, 234-0189, (02)702-6000 local 2971 (045)982-3407, 982-3408, 416-2077, 234-0186, Fax (032)255-1515 982-0171, 982-0172, 982-7790, (02)702-6000 local 2840 982-1299, (02)702-6000 Fax (032)234-0182 local 2937 BDO ANNUAL REPORT 2009 67 BRANCH DIRECTORY ILOILO - JARO ILOILO Jaro, St. Lopez Jaena NB Bldg. City Iloilo (033)329-2132, 329-6971, (02)702-6000 local 2074 (033)329-6931 Fax - JM BASA ILOILO City Iloilo St. JM Basa (033)337-1052, 335-0967, 337-0127, (02)702-6000 local 2178 (033)335-0623 Fax - LEDESMA ILOILO Ledesma St. G/F Esther Bldg. City Iloilo (033)337-8471, 337-8244, 335-0866, (02)702-6000 local 2177 (033)337-8382 Fax - MOLO ILOILO corner St., Pilar M.H. Del City Iloilo Molo, St. Jocson (033)336-8950, 336-8951, (02)702-6000 local 2083 (033)336-8949 Fax ST. - QUEZON ILOILO City Iloilo St., Lots 3 & 5 Quezon (033)335-0594, 335-0595, 335-0597, 335-8250, (02)702-6000 local 2247 (033)337-0870 Fax SUBA TABUC - ILOILO Highway, McArthur Bldg., Roger’s City Iloilo Jaro, Suba, Tabuc (033)320-0069, 320-3058, 509-4071 (033)320-9137 Fax - VALERIA ILOILO City Iloilo St., Valeria (033)336-4465, 337-9257, 335-1275, 337-9219, (02)702-6000 local 2801 (033)336-4467 Fax SM CITY ILOILO Benigno UG/F SM City Iloilo, Mandurriao, Avenue, Aquino City Iloilo (033)320-9465, 320-9470, 320-9490, 320-9433, (02)702-6000 local 2078 (033)320-9480 Fax SM DELGADO St. Valeria Bldg. G/F SM Delgado City Iloilo (033)337-8973, 337-0854, 337-4931, 337-4925, (02)702-6000 local 2071 (033)335-0394 Fax ILOILO CEBU BANILAD - TALAMBAN CEBU BANILAD - Banilad, M. Cuenco, Governor Cebu City (032)343-3640, 343-3847, 343-3629, 343-3663 (032)343-3669 Fax CEBU ELIZABETH MALL Leon Kilat Mall, G/F Elizabeth Expressway, corner South Cebu City (032)255-9769, 417-7900, 255-9971, (02)702-6000 local 2185 (032)255-9970 Fax - EPZA MACTAN Mactan-EPZA Compound, Cebu 6000 Lapu-lapu City, (032)341-2250, 340-3700, 340-3381, 341-2260, 495-5151, 341-5861, (02)702-6000 local 2838 (032)340-3912 Fax SM CITY CEBU Reclamation SM City Cebu, North Cebu City Area, (032)231-2082, 231-4053, 412-1225, (02)702-6000 local 2080 (032)232-0774, 232-0773 Fax SM CITY CEBU B Northwing City - SM UG/F The Area, Reclamation Cebu, North corner dela Montaña Jose San Cebu City Avenue, M.J. Cuenco (032)231-2182, 231-3335, 231-0602, (02)702-6000 local 2245 (032)233-1412 Fax ILOILO - CENTRAL ILOILO Lot 317-B-2-A-1, Iznart St. Iloilo City, 5000 Iloilo (033)335-1105, 335-0417, 337-7210, (02)702-6000 local 2081 (033)337-7210 Fax - GENERAL LUNA ILOILO St., Luna General Bldg., LPHTP City Iloilo (033)335-0247, 335-0745, 336-0215, (02)702-6000 local 2993 (033)337-0123 Fax - IZNART ILOILO Iloilo City, 5000 Iloilo Iznart St., (033)337-7795, 336-0917, 335-8253, 336-9019, 335-1301, (02)702-6000 local 2857 (033)335-0669 Fax CEBU - NORTH CEBU - NORTH RECLAMATION Centre 20-A corner Port Block Avenue, Luna & Juan Avenue Area, Reclamation North Cebu City (032)232-0320, 232-0321, 232-0322, 232-0323, 232-0324, (02)702-6000 local 2984 (032)232-0328, 232-0329 Fax ROAD CEBU - NORTH Labogon Highway, National Cebu City, Mandaue (032)345-1017, 345-1018, 345-1090, 345-3394, (02)702-6000 local 2841 (032)345-1061 Fax CEBU - OSMEÑA St. Corner Urgello Blvd. Osmeña Cebu City (032)253-5277, 253-8052, 254-5041, 253-3572, 253-3250, 253-3260 (02)702-6000 local 2076 (032)253-6219, 253-3250 Fax CEBU - PARKMALL 29-31 Parkmall Units Avenue, 168 Ouano No. Road, Reclamation Mandaue Cebu City, Mandaue (032)236-3421, 236-3422, 236-3423, 236-3424 (032)236-3423 Fax CEBU - SALINAS DRIVE Lahug, Avenue, 117 Gorordo Cebu City (032)414-7974, 414-7975, 233-0156 (032)231-4581 Fax CEBU - SOUTH MANDAUE Highway, National Cebu City, 6014 Mandaue (032)345-2458, 346-0101, 345-0713, 346-4689 (032)346-7915 Fax CEBU - TABO-AN Central Nicolas San St., Abella T. 6000 Cebu City (032)261-1377, 261-4421, 261-4422, (02)702-6000 local 2842 (032)261-1378 Fax CEBU - TABUNOK Highway, 2688 National PBS Bldg. City Cebu Talisay, Tabunok, (032)273-6643, 273-6644, (02)702-6000 local 2186 (032)491-7456 Fax CEBU - FUENTE Osmeña, Fuente St. J. Rodriguez Cebu City Rotonda, (032)253-8920, 253-0535, 253-0549, (02)702-6000 local 2231 (032)253-5686 Fax CEBU - GORORDO Lahug 6000, Avenue, Gorordo Cebu Cebu City, (032)233-0001, 233-5767, 232-1500 to 15, 231-4424, (02)702-6000 local 2924 (032)231-4054 Fax CEBU - LEGASPI St. Legaspi corner Zamora Cebu City (032)256-2507, 256-2709, (02)702-6000 local 2171 (032)412-1223 Fax CEBU - MAGALLANES St. corner Magallanes St. Plaridel Cebu City (032)255-6792, 256-1200, 253-9713, (02)702-6000 local 2077 (032)253-0486 Fax CEBU - MAGALLANES PLARIDEL St., corner Plaridel Magallanes 6000 Cebu City (032)255-1728, 255-1729, 254-8467, 412-3398, (02)702-6000 local 2912 (032)253-8572 Fax CEBU - MANDAUE Compound, La Fuerza City Mandaue Subangdaku, (032)343-6531, 343-6535, 422-6786, (02)702-6000 local 2085 (032)343-6532 Fax CEBU - MEZ II 2, 204 NGA Bldg. Unit MEZ II, Basak, Verde, Pueblo Lapu-lapu City (032)341-1288, 341-5834, (02)702-6000 local 2839 (032)341-5833 Fax MANDAUE CEBU - NORTH City Mandaue Highway, National (032)345-5993, 346-2180, 340-3381, 345-5991, 345-0602 (032)346-2043 Fax BRANCH DIRECTORY
LEYTE BACOLOD - GOLDENFIELD BACOLOD - ROSARIO SILAY - FIGUEROA Goldenfield Commercial Complex, LACSON Figueroa corner Rizal St., Silay Singcang, Araneta St., Lot 296-B-7, Lacson St. corner City, 6116 Negros Occidental LEYTE - ORMOC Bacolod City Rosario St., Bacolod City, (034)714-9149, 495-3787, Corner Burgos & Rizal St., (034)433-0506, 433-0511, Negros Occidental (02)702-6000 local 2804 6541 Ormoc City, Leyte 434-3738, 435-1307, (034)433-7991, 433-7992, Fax (034)495-3787 (053)255-7948, 255-2241, (02)702-6000 local 2696 433-7993, 433-2654, 255-4894, (02)702-6000 Fax (034)435-1495 (02)702-6000 local 2986 SM CITY BACOLOD local 2865 Fax (034)433-0234 G/F South Wing Bldg. SM City Fax (053)561-9759 BACOLOD - GONZAGA Bacolod, Poblacion, Gonzaga-Lopez Enterprise Bldg. NEGROS OCC. - BINALBAGAN Reclamation Area, Bacolod City TACLOBAN - JUSTICE Gonzaga St. Bacolod City Biscom Compound, Binalbagan, (034)468-0139, 468-0140, ROMUALDEZ (034)434-4964, 433-7910, Negros Occidental (02)702-6000 local 2196 Philamlife Bldg., Rizal Avenue 434-7097, (02)702-6000 (034)388-8258, 742 8223, Fax (034)468-0139 corner P. Burgos St., local 2072 (02)702-6000 local 2697 6500 Tacloban City Fax (034)434-4965 Fax (034)388-8270 NEGROS ORIENTAL (053)325-5094, 321-2728, 523-8036, (02)702-6000 BACOLOD - HILADO NEGROS OCC. - CADIZ local 2972 DUMAGUETE Hilado corner F.Y. Manalo St. BDO ANNUAL REPORT 2009 Cabahug St., 6121 Cadiz, Fax (053)325-6672 Colon St., fronting Bldg. V of City, 6100 Bacolod City, Negros Occidental Public Market, Poblacion 003, Negros Occidental (034)493-0667, 493-0479, TACLOBAN - RIZAL AVENUE Dumaguete City (034)434-7698, 709-0423, 493-1465, (02)702-6000 Roqson Bldg., Rizal Avenue (035)225-5022, 225-7660, 432-3366, (02)702-6000 local 2818 corner P. Burgos St., 225-1571, 422-7513, 225-4787, local 2987 Fax (034)493-0510 6500 Tacloban City, Leyte (02)702-6000 local 2830 Fax (034)435-1441 (053)523-0366, 523-8075, Fax (035)225-4462 NEGROS OCC. – ESCALANTE 321-4265, (02)702-6000 BACOLOD - LACSON National Highway, Escalante City, local 2973 DUMAGUETE - STA. ROSA Lacson corner Galo St., 6100 6124 Negros Occidental Fax (053)523-8075 Sta. Rosa St., Dumaguete City, Bacolod City, Negros Occidental (034)724-7022, 454-0124, Negros Oriental (034)435-4531, 435-4532, (02)702-6000 local 2826 TACLOBAN - ZAMORA (035)442-5900, 226-2538, 433-0851, (02)702-6000 Fax (034)454-0192 Carlos Chan Bldg. P. Zamora St. 422-5903, (02)702-6000 68 local 2985 Tacloban City local 2535 Fax (034)435-4531 NEGROS OCC. - HINIGARAN (053)321-2881, 325-9967, Fax (035)226-2537 Aguinaldo corner Rizal St. 321-5072, (02)702-6000 BACOLOD - LOPUE’S EAST Hinigaran, 6106 Negros local 2099 SAMAR Unit 24 & 25 Lopue’s East Center, Occidental Fax (053)321-3022 Carlos Hilado National Highway, (034)740-7384, 391-7795, SAMAR - CATBALOGAN Barangay Villamonte, Bacolod City (02)702-6000 local 2872 Del Rosario St. corner Allen NEGROS OCCIDENTAL (034)432-1580, 433-9077, Fax (034)391-7794 434-9319, 494-3554, Avenue, 6700 Catbalogan, Samar BACOLOD - ARANETA (02)702-6000 local 2537 NEGROS OCC. - (055)251-5541, 356-1706, Cineplex Complex Araneta St. Fax (034)434-9671 KABANKALAN 251-5477, (02)702-6000 local 2246 Bacolod City Guanzon St., Kabankalan, Fax (055)543-9110 (034)433-5754, 433-5610, BACOLOD - MANDALAGAN 6111 Negros Occidental 432-0978, (02)702-6000 G/F Sta. Clara Estate Bldg., (034)471-2147, 471-2146, local 2082, 2282 Lacson St., Mandalagan, (02)702-6000 local 2843 SOUTHERN LEYTE Fax (034)435-1809 Bacolod City Fax (034)471-2246 (034)441-0216, 441-1151, LEYTE - MAASIN BACOLOD - 441-3625, (02)702-6000 NEGROS OCC. - SAN CARLOS Tomas Oppus St., CAPITOL SHOPPING local 2821 S. Carmona St. corner Rizal St., 6600 Maasin, Southern Leyte Benigno Aquino Drive, Capitol Fax (034)441-2443 San Carlos City, Negros Occidental (053)381-2495, 381-2572, Shopping, 6100 Bacolod City, (034)312-5263, 312-5213, 381-2032, (02)702-6000 Negros Occidental BACOLOD - PLAZA 312-5140, 729-9581, local 2256 (034)434-2448, 433-4484, Araneta corner Gonzaga St., (02)702-6000 local 2825 Fax (053)570-8585 435-3216, 435-3217, 434-9610, 6100 Bacolod City, Fax (034)729-3500 435-3212, 434-5057, Negros Occidental MINDANAO (02)702-6000 local 2920 (034)434-2751, 434-2752, NEGROS OCC. - VICTORIAS Fax (034)435-3211, 434-2446 434-2753, 434-2754, 433-6102, Osmeña Avenue, Victorias City, AGUSAN DEL NORTE 434-1233, (02)702-6000 Negros Occidental, 6119 BACOLOD - GATUSLAO local 2816 (034)399-3616, 399-3617, BUTUAN - J.C. AQUINO 26 & 28 Gov. V. Gatuslao St., Fax (034)434-1233 (02)702-6000 local 2817 AVENUE Bacolod City, Negros Occidental Fax (034)399-2746 (034)433-3464, 433-3465, D & V Plaza II Bldg. 433-3466, 433-2988, J. C. Aquino Avenue, Butuan City (02)702-6000 local 2803 (085)815-1303, 225-6192, Fax (034)433-3378 342-5759, 342-5758, (02)702-6000 local 2200 Fax (085)342-5758 BDO ANNUAL REPORT 2009 69 DAVAO ORIENTAL DAVAO LANAO DEL NORTE LANAO MISAMIS ORIENTAL MISAMIS OCCIDENTAL BRANCH DIRECTORY MISAMIS OCC. - MISAMIS OCC. OROQUIETA Oroquieta St., A. Enerio Mayor Occidental 7207 Misamis City, (088)531-2171, 531-1121, 531-1122, (02)702-6000 local 2258 (088)531-1532 Fax: OZAMIZ St. corner Gallardo Cebedo St. City, Ozamis Centro, Occidental Misamis (088)521-2969, 521-0039, (02)702-6000 local 2917 (088)521-1529 Fax - DE ORO CAGAYAN CARMEN Neri V. corner St. Suniel Y. Max Carmen, Cagayan de Oro St., (08822)723-676, 722-660, (088) 858-1133, (02)702-6000 local 2259 (088)858-1113 Fax DAVAO - MATI DAVAO 8200 St., Rizal corner Mabini Oriental Davao Mati, (087)388-3336, 388-3219, (02)702-6000 local 2867 (087)388-3336 Fax ILIGAN - DEL PILAR St., Pilar BC Labao corner Del City Iligan (063)223-9449, 223-9450, 223-9446, 223-9447, (02)702-6000 local 2180 (063)223-9450 Fax AVENUE ILIGAN - QUEZON City, 9200 Iligan Avenue, Quezon Norte Lanao Del (063)221-6545, 223-5133, 221-3685, (02)702-6000 local 2879 (063)221-6545 Fax SM CITY DAVAO Barangay UG/F SM City Davao, City Davao Matina, (082)298-4766, 297-4341, 299-2618, 299-2921, (02)702-6000 local 2086 (082)299-2730 Fax DAVAO - MAGSAYSAY DAVAO Avenue, Ramon Magsaysay City Davao (082)226-3868, 221-6964, (02)702-6000 local 2174 (082)221-6963 Fax - MONTEVERDE DAVAO Monteverde Inn, G/F Sequoia City Davao Avenue, (082)225-4345, 225-4346, 225-4348, (02)702-6000 local 2187, 2188 (082)225-4347 Fax: - NARRA DAVAO corner Avenue Monteverde Tomas City Davao St., Narra (082)222-5346, 222-5589, 222-4547, 222-1360, (02)702-6000 local 2297 (082)222-1360 Fax AVENUE - QUIRINO DAVAO Avenue, Quirino I Bldg., Nicolas City 8000 Davao (082)224-5968, 221-4951, 305-5804, 221-4365, (02)702-6000 local 2942 (082)221-4365, 221-4951 Fax - RIZAL DAVAO corner Rizal St. Caritas Bldg. City Davao St., Pelayo (082)221-9528, 221-9253, 221-9598, (02)702-6000 local 2294 (082)221-9437 Fax - SAN PEDRO DAVAO St., Pedro San G/F KDC Bldg. del Sur Davao City, Davao (082)221-8221, 227-1251, 305-5805, (02)702-6000 local 2927 (082)221-8186 Fax ANA - STA. DAVAO St., Bangoy corner F. Monteverde del Sur Davao City, 8000 Davao (082)221-0314, 221-4746, 227-4638, 305-5810, (02)702-6000 local 2939 (082)226-3690 Fax - TORIL DAVAO City Davao Toril, Agton St., (082)291-2278, 301-0107, 291-2276, (02)702-6000 local 2940 (082)291-2276 Fax DAVAO DEL SUR DAVAO DAVAO - AGDAO DAVAO 8000 Agdao, Lapu-lapu St., City Davao (082)222-3698, 221-6205, (02)702-6000 local 2941 (082)300-3024 Fax - BANGOY DAVAO corner Avenue R. Magsaysay City 8000 Davao St., C. Bangoy (082)330-7161, 221-4480, 227-2113, 227-2802, (02)702-6000 local 2928 (082)221-1251 Fax: DAVAO-BUHANGIN Highway, Garcia Carlos P. Road, Diversion Buhangin City Davao (082)241-2572, 241-0867, 241-2165, (02)702-6000 local 2295 (082)241-2165 Fax - C. M. RECTO DAVAO St., M. Recto 383 Claro City Davao (082)224-0821, 221-0671, 227-8591, 226-3703, (02)702-6000 local 2943 (082)226-3147 Fax - DIGOS DAVAO II, Digos, Zone Rizal Avenue, Sur Del Davao (082)553-7439, 553-4764, 553-2931, (02)702-6000 local 2844 (082)553-4764 Fax - JP LAUREL DAVAO Landco-PDCP Corporate Center, Bajada, Avenue, JP Laurel City Davao (082)221-4553, 221-4556, 222-2198, 227-1698, (02)702-6000 local 2173 (082)221-4557 Fax - LANANG DAVAO 1 Village Insular SJRDC Bldg. Lanang, Area, Commercial City Davao (082)234-4412, 234-2414, 234-6723, (02)702-6000 local 2244 (082)234-5760 Fax - LIZADA DAVAO corner Avenue Ramon Magsaysay City, 8000 Davao Lizada St., del Sur Davao (082)222-0071, 221-0126, (02)702-6000 local 2926 (082)224-4193 Fax COTABATO BUKIDNON DAVAO DEL NORTE DAVAO DAVAO - TAGUM DAVAO Tagum, 8100 577 Rizal St., Norte Del Davao (084)218-4961, 217-3664, 217-3469, (02)702-6000 local 2846 (084)217-3664 Fax - KABACAN COTABATO Highway, National Rizal Avenue, Cotabato 9407 Kabacan, North (064)248-2432, 248-2119, (02)702-6000 local 2263 (064)248-2118 Fax - KIDAPAWAN COTABATO 9400 Kidapawan, Blvd., Quezon Cotabato North (064)288-1689, 278-3018, (02)702-6000 local 2253 (064)288-1687 Fax - MAKAKUA COTABATO 9600 Cotabato City, St., Makakua Maguindanao (064)421-4934, 421-4980, 421-2069, 421-5233, (02)702-6000 local 2260 (064)421-2713 Fax - MIDSAYAP COTABATO 9410 Midsayap, St., Jaycee Cotabato North (064)229-7589 to 90, (02)702-6000 local 2264 (064)229-8327 Fax BUKIDNON - VALENCIA corner St. M.L. Quezon City, Valencia G. Laviña Avenue, 8709 Bukidnon (088)828-3331, 828-2148, 222-2185, (02)702-6000 local 2249 (088)828-1311 Fax BUTUAN - MONTILLA BUTUAN near corner Blvd. Montilla City, Butuan St. LopezJaena Norte Agusan Del (085)815-4430, 815-4431, 341-5240, 342-6033, 342-0548, (02)702-6000 local 2251 (085)342-7055 Fax BRANCH DIRECTORY
CAGAYAN DE ORO - COGON MISAMIS ORIENTAL - SOUTH COTABATO - ZAMBOANGA - IPIL J. R. Borja St. Cogon, GINGOOG KORONADAL National Highway, Ipil, Cagayan de Oro City National Highway, Gingoog City, R. Alunan Avenue corner Osmeña 7001 Zamboanga Del Sur (088)857-7960, 857-7961, Misamis Oriental St., 9506 Koronadal, (062)333-2280, 333-5356, 857-7962, 857-7964, (088)861-0201, 427-313, South Cotabato (02)702-6000 local 2859 (08822)725-203, 725-269, 427-595, (02)702-6000 (083)228-2541, 228-2219, Fax (062)333-2380 725-249, (02)702-6000 local 2191 local 2250 228-2323, (02)702-6000 Fax (088)857-7963 Fax (088)861-0460 local 2866 ZAMBOANGA - MAYOR Fax (083)228-2219 JALDON CAGAYAN DE ORO - HAYES SM CITY CAGAYAN DE ORO Mayor Jaldon Avenue, Barangay G/F Trendline Dept. Store., G/F SM City Cagayan de Oro, SULTAN KUDARAT Canelar, Zamboanga City Arch. James Hayes St., Cogon, Pueblo de Oro Business Park, (062)991-0924, 992-3892, Cagayan de Oro City Upper Canituan,Cagayan de Oro, SULTAN KUDARAT - ISULAN 992-3889, (02)702-6000 (08822)727-405, 727-407, Misamis Oriental #075 National Highway, local 2845 727-408 (088)859-2632, 859-2633, Kalawag 2, Isulan, Sultan Kudarat Fax (062)991-1121 Fax (088)857-8324 859-2637, (02)702-6000 (064)201-3247, 471-0026, local 2087 (02)702-6000 local 2254 ZAMBOANGA - RIZAL ST. CAGAYAN DE ORO - LAPASAN Fax (088)859-2634 Fax (064)471-0015 Rizal St., Zamboanga City, C.M. Recto Highway, Lapasan, BDO ANNUAL REPORT 2009 7000 Zamboanga Del Sur 9000 Cagayan de Oro City, SOUTH COTABATO SULTAN KUDARAT - (062)993-2390, 991-1476, Misamis Oriental TACURONG 991-4804, 991-7298, (088)856-3233, 856-3234, GENERAL SANTOS Alunan Highway, 9800 Tacurong, (02)702-6000 local 2780 856-3235, (08822)728-926, Santiago Blvd. corner Sultan Kudarat Fax (062)993-2390 725-253, (02)702-6000 local 2261 JP Laurel St. Gen. Santos City (064)477-0055, 477-0207, Fax (088)856-3234 (083)553-3874, 553-3875, 200-3035, 200-3134, FOREIGN BRANCH (02)702-6000 local 2175 (02)702-6000 local 2880 CAGAYAN DE ORO - OSMEÑA Fax (083)553-3877 Fax (064)200-3035 HONG KONG Pres. S. Osmeña corner Ramon G/F Euro Trade Centre Chavez St., Cogon, 9000 GENERAL SANTOS - SURIGAO DEL NORTE 13 Connaught Road, Cagayan de Oro, Misamis Oriental KCC MALL Central Hong Kong (088)856-3727 to 28, Unit 018 LG/F KCC Mall of (00852)29010203, 29010220, 70 (08822)724-567, (02)702-6000 SURIGAO Gensan, Jose Catolico Sr. Avenue, Magallanes corner San Nicolas St., 29010288 local 2262 General Santos City, Fax (088)856-5702 8400 Surigao City South Cotabato (086)231-7226, 231-7270, (083)301-7327, 301-7330, 826-3425, 826-0293, CAGAYAN DE ORO - R.N. 302-2958, 552-9808, PELAEZ BLVD. (02)702-6000 local 2252 (02)702-6000 local 2849 Fax (086)826-0339 Georgetown Cyber Mall, Rodolfo Fax (083)552-9808 N. Pelaez Blvd., Kaswagan, ZAMBOANGA DEL NORTE Cagayan de Oro City GENERAL SANTOS - (088)856-2617, 856-4013, PENDATUN (08822)729-052, (02)702-6000 G/F Sydney Hotel, corner Pioneer DIPOLOG local 2534 and Pendatun Avenue, Quezon Avenue, 7100 Dipolog Fax (088)856-4067 General Santos City 9500 City, Zamboanga Del Norte (083)302-4128, 302-3179, (065)212-6253, 212-2341, CAGAYAN DE ORO - VELEZ 552-2062, (02)702-6000 212-8162, 212-2339, Velez Road corner Abejuela St, local 2930 (02)702-6000 local 2873 Cagayan de Oro Fax (083)302-3180 Fax (065)212-2339 (088)857-2075, 857-1943, (08822)729-360, 723-745, GENERAL SANTOS - PIONEER ZAMBOANGA DEL SUR (02)702-6000 local 2936 National Highway corner Roxas Fax (088)856-4792 Avenue, 9500 Gen. Santos City, PAGADIAN South Cotabato F.S. Pajares Avenue, Pagadian City, CAGAYAN DE ORO - XAVIER (083)552-2241, 552-2242, 7016 Zamboanga Del Sur Library Annex Bldg. Corrales 302-1690, (02)702-6000 (062)214-1744, 214-1745, Avenue, Cagayan de Oro City local 2868 214-4839, (02)702-6000 (088)857-3796, 857-4108, Fax (083)301-0226 local 2869 (08822)729-423, 725-471, Fax (062)214-1744 (02)702-6000 local 2176 GENERAL SANTOS - Fax (088)857-3700 SANTIAGO ST. ZAMBOANGA Ireneo Santiago Blvd., Grand Astoria Hotel Annex Bldg. 9500 General Santos St., M. D. Jaldon St. Zamboanga City South Cotabato (062)991-1542, 992-0341, (083)302-4269, 552-2146, 991-7751, (02)702-6000 551-2404, (02)702-6000 local 2179 local 2916 Fax (062)991-3217 Fax (083)301-9329 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 may 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 may provide without charge a copy of the 2009 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.
INSTITUTIONAL INVESTOR INQUIRIES Banco De Oro Unibank, Inc. welcomes inquiries from analysts, the financial community, and institutional investors. Please 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]
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BDO Corporate Center 7899 Makati Avenue, Makati City Tel. 840-7000 www.bdo.com.ph