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76B A N C O D E O R OM a n a g e m e n t D i r e c t o r yA s o f D e c e m b e r 3 1 , 2 0 0 5Chairman EmeritusHenry Sy, Sr.BOARD OF DIRECTORSChairman (until August 5, 2005)Teresita T. SyVice-ChairmanJesus A. Jacinto, Jr.PresidentNestor V. TanMEMBERSIsmael M. EstellaVioleta O. LuYmAntonio C. Pacis(Corporate Secretary)Senen T. MendiolaTeodoro B. Montecillo(Independent Director)Nestor V. TanJimmy T. Tang(Independent Director)Christopher A. Bell-Knight(Independent Director)Josefina N. Tan(until August 27, 2005)BOARD ADVISORSTeresita T. SyJosefina N. TanJose T. SioLIST OF OFFICERSAFD & HRMSenior Vice PresidentPerla F. ToledoVice PresidentsFrancisco T. GasparYolanda M. GoAurea Imelda S. MontejoSenior Asst. Vice PresidentsEugenio D. ChuaRosemarie M. EspinosaAsst. Vice PresidentEmilio B. Naraval IIIBRANCH BANKING GROUPExecutive Vice PresidentJaime C. YuSenior Vice PresidentsBeatriz L. BagsitGeronimo D. DiazRuby G. LimMaria Corazon A. MallillinRamon T. MilitarFirst Vice PresidentLorna A. TanVice PresidentsLily C. HuangYolanda A. PilapilJudy C. TanSenior Asst. Vice PresidentsWilma N. BeriosoEugenio R. ConcepcionCezar G. DomingoCrispin G. DomingoEmmanuel Antonio R. GomezBenjamin A. Larin, Jr.Ma. Dolores A. LiwanagWilhelmino R. MendozaFelicitas C. NonatoRita Y. PoaEster A. RecioTeresita C. SiyWendeline Therese M. TumolvaMaria Dolores C. UyliapcoDandy T. YapAsst. Vice PresidentsJocelyn A. AngFelina M. ArellanoJimmy A. BelarminoRose R. BeltranRegina G. CaynapPacita O. ChamIris Susan F. De GuzmanPriscilla R. De VillaMa. Juanita B. Delos SantosFe R. FelixFlorencio Aquillo V. FlorendoPerlita S. FloresMa. Dolores P. MagsalinGaudencio F. MendozaChristina T. NakanishiEdna T. RogandoMerlita T. RubioMa. Margaret N. TanZenaida A. TriunfanteCARD PRODUCTION CENTERSenior Asst. Vice PresidentLolita A. ValdezCOMMERCIAL BANKING GROUPSenior Vice PresidentsJulie Y. ChuaErnesto T. UyVice PresidentSusan C. OngSenior Asst. Vice PresidentsEdelwina Victoria E. MillanAgnes C. TuasonAsst. Vice PresidentsDory C. ApacibleHelen T. ChuaJane N. CuaJohn Emmanuel M. LizaresEmily T. OquiasCOMPLIANCEVice PresidentMario D. RabanalCOMPTROLLERSHIPSenior Vice PresidentLucy C. DyVice PresidentMa. Lucila C. CruzSenior Asst. Vice PresidentsVictoriano F. Inocentes, Jr.Cristina G. NgoLarry G. OngAsst. Vice PresidentsLolita L. DamascoNormita DJ. LisingEdilberto A. MalapitanThelma DR. MazoAnita U. MusteraNelia T. ResolMa. Theresa F. RosalesAniana A. TimbreCONSUMER LENDING GROUPExecutive Vice PresidentRolando C. TanchancoVice PresidentsAntonio O. PeñaAnna Lissa U. YapSenior Asst. Vice PresidentDulce Amor E. AlimbuyuguenAsst. Vice PresidentsAngela Juvy C. BandongGwyneth M. EntaoGrace G. LastimosaCORPORATE BANKINGSenior Vice PresidentEdmundo S. SorianoFirst Vice PresidentRaymundo Martin M. EscalonaVice PresidentsJose O. GarciaManuel Z. Locsin, Jr.Charles M. RodriguezReynaldo A. Tanjangco, Jr.Asst. Vice PresidentsAnna Marie M. BenipayoJoseph Rhoderick B. LledoCarla Sherrylyn C. PapaMaria Natividad A. PobreAlbert Henry G. RiosCREDIT & RISK MANAGEMENTExecutive Vice PresidentEvelyn L. VillanuevaFirst Vice PresidentLilia E. LisingVice PresidentsAmelia Caridad C. CasteloMaria Pia L. MacedaJesus A. Mañego, Jr.Senior Asst. Vice PresidentsMaria Cecilia M. AvilaRodolfo M. Carlos, Jr.David M. Dela CruzMa. Martha B. RoxasAsst. Vice PresidentsPeter Blair S. AgustinMa. Teresa E. FloresMilton Joseph C. Tiburcio, Jr.INTERNATIONAL BANKING UNITFirst Vice PresidentLilia B. PalinesAsst. Vice PresidentsRolando S. San DiegoMarissa F. TomasINTERNAL AUDITSenior Vice PresidentShirley M. SangalangSenior Asst. Vice PresidentRonald M. ManalastasAsst. Vice PresidentsGiovanni M. BautistaJanet S. CahiligManuel S. Lim, Jr.Raul N. NatividadINVESTOR RELATIONS &CORPORATE PLANNINGSenior Vice PresidentLuis S. Reyes, Jr.First Vice PresidentRosalina J. PascualSenior Asst. Vice PresidentAnthony R. MilanINFORMATION TECHNOLOGYGROUPSenior Vice PresidentJudy S. TanFirst Vice PresidentsLydia C. KingArthur L. TanVice PresidentBernardina T. ChiuAsst. Vice PresidentsPonciano D. Adriano, Jr.Rolino C. Bucao, Jr.Rommel L. ParongFernando P. Rima, Jr.Isidro G. Sanvictores, Jr.LEGAL DEPARTMENTAsst. Vice PresidentIrene C. IshiwataMARKETING COMMUNICATIONSGROUPVice PresidentEdith D. DychiaoOFFICE OF THE PRESIDENTFirst Vice PresidentAngelita O. CortezPROPERTY MANAGEMENTDEPARTMENTSenior Asst. Vice PresidentMa. Victoria F. Dela CruzAsst. Vice PresidentMary C. GoSYSTEMS & METHODSSenior Asst. Vice PresidentPeter S. Lo, Jr.TRANSACTION BANKING GROUPSenior Vice PresidentIsmael G. Estela, Jr.
2 0 0 5 A N N U A L R E P O R T 77B D O S u b s i d i a r i e sA s o f D e c e m b e r 3 1 , 2 0 0 5B a n kC o m m i t t e e sFirst Vice PresidentsJaime M. NasolOphelia S. SalvaVice PresidentJonathan C. DioknoSenior Asst. Vice PresidentMa. Mercedes P. TiosecoAsst. Vice PresidentsMa. Dina B. DesembranaEdith T. LeeTomas Victor A. MendozaLeocente G. ReyesTREASURY GROUPExecutive Vice PresidentPedro M. Florescio IIISenior Vice PresidentMarilyn K. GoFirst Vice PresidentMontiel H. Delos SantosVice PresidentsRuby A. ChuaLilian T. KhuLuisito S. SalazarNoel B. SugaySenior Asst. Vice PresidentsBernard M. FlorencioGeneva T. GloriaEduardo C. RamosJonathan L. RavelasMarylou D. SonkengpoEdna R. TarrozaAlice O. TehAsst. Vice PresidentsMa. Ana Elena R. ReyesMaria Teresa C. VelascoJay S. WongTRUST BANKINGExecutive Vice PresidentsAdor A. AbrogenaFirst Vice PresidentMa. Lourdes T. De VeraVice PresidentNoel L. AndradaSenior Asst. Vice PresidentProceso Z. Mendoza, Jr.Asst. Vice PresidentsArmina C. EmpeñoFlorencia Ma. Carina P. EsguerraSharon Mae S. VicenteBDO CAPITAL & INVESTMENT CORP.PresidentRogelio R. CabuñagExecutive Vice PresidentEduardo V. FranciscoFirst Vice PresidentsLynette O. De LeonLazaro Jerome C. GuevarraAsst. Vice PresidentMichael R. CahigasBDO CARD CORPORATIONVice PresidentsSusan Audrey C. PunsalangMaria Nannette R. RegalaSenior Asst. Vice PresidentsSarah Jessica M. NavarroMyla R. UntalanBDO PRIVATE BANK, INC.PresidentJosefina N. TanExecutive Vice PresidentAndrew D. AlcidSenior Vice PresidentJose Emmanuel U. HiladoFirst Vice PresidentStella L. CabalatunganVice PresidentsGamalielh Ariel O. BenavidesMartin B. OrdoñezAgnes B. SantosFederico P. TancongcoSenior Asst. Vice PresidentsRita V. CoronelEnrico R. HernandezMa. Remedios B. LapuzJuan Sabino P. LizaresAsst. Vice PresidentsManuel R. Bengson, Jr.Cheryll B. GaviñoPaul Alexis T. GolezMary Grace O. LojoMa. Ramona T. TorresBeatriz Y. ZalazarBDO REALTY CORP.PresidentDanilo A. AntonioVice PresidentJoseph Ramil B. LombosSenior Asst. Vice PresidentMary Ann C. GuerraAsst. Vice PresidentAntonio M. CruzBDO SECURITIES CORP.PresidentEduardo V. FranciscoVice PresidentsJonathan T. CuaJose Noel M. MendozaAsst. Vice PresidentJose Rene C. CarlosBDO FINANCIAL SERVICES, INC.PresidentVirginia A. YapVice PresidentImelda I. ElidoAsst. Vice PresidentDennis Anthony B. ZamoraBDO REMITTANCE LTD.DirectorsMarilyn K. GoLucy C. DyManaging DirectorGeneva T. GloriaBDO INSURANCE BROKERS, INC.PresidentJesus A. Jacinto, Jr.Senior Vice PresidentPeter Roy R. LocsinSenior Asst. Vice PresidentLaarni C. SantosAsst. Vice PresidentsHelen L. GochuicoRacquel Lourdes L. MendozaAna Liza C. TanMEMBERSHIP OF THE BOARDCOMMITTEESExecutive CommitteeJesus A. Jacinto, Jr.Nestor V. TanAUDIT COMMITTEETeodoro B. Montecillo - Chairman(Independent Director)Violeta O. LuYmIsmael M. EstellaAntonio C. PacisChristopher Bell-Knight(Independent Director)RISK MANAGEMENT COMMITTEENestor V. Tan - ChairmanTeodoro B. Montecillo(Independent Director)Antonio C. PacisChristopher Bell-Knight(Independent Director)CORPORATE GOVERNANCECOMMITTEETeodoro B. Montecillo - Chairman(Independent Director)Jesus A. Jacinto, Jr.Violeta O. LuYmChristopher Bell-Knight(Independent Director)TRUST COMMITTEEJesus A. Jacinto, Jr.Nestor V. TanAdor A. AbrogenaNOMINATIONS COMMITTEEVioleta O. LuYmIsmael M. EstellaCOMPENSATION COMMITTEEVioleta O. LuYmAntonio C. PacisOTHER BOARD CREATEDCOMMITTEESCREDIT COMMITTEEJesus A. Jacinto, Jr. - ChairmanNestor V. TanEvelyn L. VillanuevaTeodoro B. Montecillo - ChairmanIsmael M. EstellaMANAGEMENT COMMITTEENestor V. Tan - ChairmanBusiness Unit HeadsService Unit HeadsANTI-MONEY LAUNDERINGCOMMITTEEJesus A. Jacinto, Jr. - ChairmanJaime C. YuEvelyn L. VillanuevaLucy C. DyShirley M. SangalangMario D. RabanalAtty. Ray Gatmaytan
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Page 28 and 29: 26 BANCO DE OROStatements of Income
Page 30 and 31: 28 BANCO DE OROStatements of Cash F
Page 32 and 33: 30 BANCO DE OROThe following reconc
Page 34 and 35: 32 BANCO DE OROb. The re-measuremen
Page 36 and 37: 34 BANCO DE ORO2.5 Recognition as T
Page 38 and 39: 36 BANCO DE OROWith regard to inves
Page 40 and 41: 38 BANCO DE OROThe financial statem
Page 42 and 43: 40 BANCO DE OROAmounts accumulated
Page 44 and 45: 42 BANCO DE ORO3.15 ProvisionsProvi
Page 46 and 47: 44 BANCO DE ORO3.19 Impairment of N
Page 48 and 49: 46 BANCO DE ORO3.25 Trust Activitie
Page 50 and 51: 48 BANCO DE OROThe CRMG is also res
Page 52 and 53: 50 BANCO DE OROParent Company2004On
Page 54 and 55: 52 BANCO DE ORO3.28.4 Credit RiskCr
Page 56 and 57: 54 BANCO DE ORO6. DUE FROM OTHER BA
Page 58 and 59: 56 BANCO DE OROOther debt securitie
Page 60 and 61: 58 BANCO DE OROIncluded in these ac
Page 62 and 63: 60 BANCO DE OROParentLeasehold Furn
Page 64 and 65: 62 BANCO DE ORO14. OTHER RESOURCESO
Page 66 and 67: 64 BANCO DE OROBills payable bears
Page 68 and 69: 66 BANCO DE OROOther operating expe
Page 70 and 71: 68 BANCO DE OROThe reconciliation o
Page 72 and 73: 70 BANCO DE OROb. 10% VAT will rema
Page 74 and 75: 72 BANCO DE OROAs part of the MOA,
Page 76 and 77: 74 BANCO DE OROb. Secured Liabiliti
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Page 84 and 85: 82B A N C O D E O R OJOSE ABAD SANT
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