Banco de Oro Universal Bank provides a - Asianbanks.net

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78B A N C O D E O R OP r o d u c t s a n d S e r v i c e s1 PESO DEPOSITSRegular Checking AccountChecking Account with ATFSavings Account with ATFSmart CheckingSuper CheckRegular Savings AccountMega Savings AccountSuper SavingsJunior Savers Club AccountPower Teens Club AccountClub 60 AccountTime Deposit AccountSuper Savings2 FOREIGN CURRENCY DEPOSITSDollar Savings AccountDollar Time DepositDollar Super SaverThird Currency DepositClub 60 Dollar3 DEPOSIT-RELATED SERVICESManager’s ChecksGift ChecksCustomized ChecksDemand DraftsInterbranch DepositsDeposit Pick-Up ServiceNight Depository ServicePayroll ServicesSafe Deposit BoxTelegraphic TransferDeposit Gift Package4 REMITTANCE SERVICESCredit to BDO AccountCash Pick UpBDO Remit Cash CardGintong Yaman Savings Account(USD or PHP)Gintong Yaman Time Deposit AccountOther ServicesCredit to Other Local BankCash Door-to-DoorMoney Transfers5 TRUST SERVICESInvestment ServicesCommon Trust fundsUnit Investment Trust FundsInvestment Management ServicesAgency ServicesCustodianshipEscrowLoan AgencyProperty AdministrationTransfer & Paying AgencyTrusteeshipRetirement FundsPre-Need Trust FundsInstitutional Trust FundsMortgage Trust IndenturesLiving TrustLife Insurance TrustEstate Planning6 TREASURY DEALERSHIP SERVICESTreasury BillsTreasury BondsDollar and Pesos Bonds7 TRANSACTION BANKINGCash Management ServicesIntegrated Collection SolutionsBills PaymentInstitutional Payment Collection(Corporate Collection)Postdated Check WarehousingArmored Car Cash Deposit Pick-UpMotorized Check Pick-UpAuto Debit ArrangementIntegrated Disbursement SolutionsDirect CreditCheck PrintingPayables WarehousingRegular PayrollCash Card PayrollCheck DisburseGovernment CollectionsBIR e-PaymentSSS netLiquidity ManagementAccount Sweeping FacilitySupply Chain Financing(Discounting Facility)Account & Information ServicesInfolinkBDO eStatementRetail Market ProductsATMBDO Cash CardMasterCard / Cirrus AcquiringInternet and Phone BankingBDO Cash CardSmart Money8 CARD PRODUCTSSmarteller ATM CardGuarantor Money Maker AccountsAmerican Express CardBDO Cash CardsBDO Gift CardsBDO International ATM CardSmart MoneySM Gift Cards9 CONSUMER LOANSBDO Home MortgageBDO Home Equity LoansAuto FinancingMulti-purpose Personal LoansCredit Cards10 COMMERCIAL & INDUSTRIAL LOANSCredit LinesBills Purchase LinesCheck Discounting LinesTerm LoansTrust LoansUS Dollar Denominated LoansLC / TR FinancingStand-by LCCTS FinancingExport Bills PurchaseExport Packing Credit11 SPECIALS LOANS & GUARANTEEFACILITIESCountryside Loan Fund I, II, III (CLF I, II, III)LBP Short-Term Loan LineIndustrial Guarantee & Loan Fund (IGLF)Sustainable Logistic Development Program(SLDP)Industrial & Support Services ExpansionProgram II (ISSEP 2)JBIC Information Technology (IT) & IndustrySupport Loan (JBIC)Domestic Shipping Modernization ProgramII (DSMP II)Environmental Infrastructure Support CreditProgram (EISCP II)BSP Export Rediscounting FacilitySME Funding for Investments in RegionalMarkets (FIRM)SME Funding Access for Short-Term Loans(FAST)Guarantee for Enterprises in Manufacturing& Services (GEMS)Guarantee Resources for AgribusinessInvestments (GRAIN)Guarantee Lines for Anchor Industries(GLAD)Pre-Shipment & Post-Shipment ExportFinance Gty ProgramAutomatic Guarantee Line [AGL]Export Finance GuaranteeTerm Loan Guarantee Program (TLGP)General Facility Program (GFP)Omnibus Guarantee Line Under the GeneralFacility Program (OL-GFP)
2 0 0 5 A N N U A L R E P O R T 7912 FOREIGN EXCHANGEOver-the-Counter Purchase / sale of FXPurchase / Sale of Traveller’s ChecksFX Forwards and Swaps13 BDO CAPITAL & INVESTMENT CORP.Debt Underwriting & DistributionLoan SyndicationEquity Underwriting & DistributionFinancial AdvisoryMergers & AcquisitionsProject FinancingTrading & Portfolio Management14 BDO INSURANCE BROKERS, INC.Whole / Group Life / Individual Life InsuranceMortgage Redemption InsurancePersonal / Group Accident InsuranceTravel Accident InsuranceIndustrial / Commercial All Risks InsuranceBonds / Surety (Construction Bonds, HeirsBond, etc.)Fire & Lighting with Allied Perils(Residential / Commercial)Engineering InsuranceMotor Vehicle Insurance - ElectronicEquipment InsuranceBusiness Interruption InsuranceMarine Cargo Insurance / Marine Hull/ AviationLiability Insurance (Personal / Comprehensive/ General Product)Group Health/Hospitalization / HMOMoney Insurance (Fidelity Guarantee,MSPR, BBB)15 INTERNATIONAL BANKINGImport / Export Letters of CreditDomestic Letters of CreditStandby Letters of CreditDocuments Against PaymentDocuments Against AcceptanceOpen Account ArrangementsExport NegotiationsShipping GuaranteeTrust ReceiptInward RemittanceOutward Remittance16 BDO PRIVATE BANKWealth ManagementAsset ManagementTrust Services17 BDO SECURITIESEquity and Fixed Income SecuritiesDealership & Brokering18 MISCELLANEOUS SERVICESCollectionsAboitizAIGAMEXAsianlife General & Assurance Corp.BankardBayantelBDO Credit CardBDO InsuranceBIR (Over-the Counter or ElectronicPayment)Bisaya Cable TV, Inc.Bonifacio CableBonifacio GasCHC Dev’t Consortium Inc.Caritas Health ShieldCebu Cable TV, Inc.Central CATVCentral Water SystemCitibankCitifinancialDavao Cableworld Network, Inc.Directory Philippines Corp.East-West BankEDSA MailFort Bonifacio Devt. Corp.G-ExchangeGenerali Pilipinas InsuranceGlobeHSBCIdeal OpticalInfocomInnoveMactan Cable TV, Inc.Manila North Tollways Corp.Mega CellularMeralcoMeridianMoonsat Cable TV, Inc.Pacific CATV, Inc.Pacific InternetPDICPhil. Home Cable Holdings, Inc.PhilamPilipino CablePioneer LifePLDTPrudentialifeQC Sports ClubSCA Hygience Prod.San BrunoSan Fernando Electric Light & Power Corp.Singer PhilippinesSM Bills PaymentSmartSSS NetStandard CharteredSun Cable Systems Davao, Inc.Tagaytay Country Clubat Tagaytay HighlandsTagaytay Highlands InternationalGolf Club, Inc.Tagaytay Midlands Gold Club, Inc.The Highland Prime Community CondoToyota Financial ServicesTri-Sys Internet
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Banco de Oro Universal Bank provide
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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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