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82B A N C O D E O R OJOSE ABAD SANTOSG/F Ching Leong TempleJ. Abad Santos Avenue, Tondo, Manila252-2140; 252-2141JARO-ILOILONB Bldg., Lopez Jaena St., Jaro, Iloilo(033) 329-2132; 329-6971JAS-ANTIPOLOG/F Intercast Corp. TowerJ.A.Santos Ave., Tondo, Manila253-6544; 253-6566; 256-6606JAS - RECTO1174 J. Abad Santos Ave., Tondo, Manila251-7584; 256-6572J.P. RIZAL872 J.P. Rizal St., Barangay PoblacionMakati City899-8690; 899-8673JULIA VARGASIBP Bldg., Julia Vargas Ave.Ortigas, Pasig City638-7770; 914-8762KALENTONGMRDC Bldg., Shaw Blvd.corner Gen. Kalentong St., Mandaluyong City531-6984; 531-9146; 532-8953KALOOKAN-10TH AVE.371 Rizal Ave. Ext., Caloocan City361-1074; 361-1272; 361-1249KAMAGONG2567 P. Ocampo (Vito Cruz Ext.)corner Madre Perla St., Manila563-0504; 563-2736; 563-1895; 564-2870KATIPUNANG/F Olalia Bldg.No. 327 Katipunan Ave. cornerF. dela Rosa St., Loyola HeightsQuezon City928-2713; 928-2715LA UNIONRizal Ave. corner Ortega St.San Fernando, La Union(072) 888-3316LAOAGRizal St. corner Abadilla St.Laoag City(077) 771-4032LAVEZARES321-325 Garden City Condominiumcorner Lavezares & Camba Sts.San Nicolas, Manila242-4244; 242-4249;242-4250; 242-4251LEGASPI CITYRizal corner Gov. Imperial Sts., Legaspi City(052) 481-4481; 481-4482LEGASPI VILLAGEGolden Rock Bldg., 168 Salcedo St. Legaspi Village,Makati City816-1467; 816-1478; 816-1489LIBISMagnitude Commercial ArcadeE. Rodriguez Jr. Ave., BagumbayanQuezon City421-6914; 421-6915LIPACasa Esperanza Bldg.Pres. J.P. Laurel HighwayBrgy. Mataas na Lupa, Lipa City(043) 757-3981 to 84LUCENAMerchan St. corner San Fernando St.Lucena City(042) 660-3760; 373-4927MABINIA. Mabini corner Soldado Sts.Ermita, Manila524-6001; 450-1693MAGALLANES VILLAGEUnit 104, The Gateway CentrePaseo de Magallanes Vill., Makati City852-9640; 852-9643; 853-4620MAKATI AVE.Unit 191 Shangri-la Hotel ManilaAyala Center, Makati City813-5004 to 07; 813-4788; 817-0295MAKATI SMSM Annex Bldg., Ayala CenterMakati City893-3241; 813-3975; 812-6838; 817-0856MAKRO-CUBAOEDSA corner Main Street, CubaoQuezon City912-6173; 421-1689MALABON685 J.P. Rizal St., Malabon281-9254; 281-9252; 281-5603MALOLOS570 Paseo del Congreso St.Liang, Malolos, Bulacan(044) 791-3125; 662-3363; 791-3123(02) 732-6839MANGGAHANAmang Rodriguez Ave.Manggahan, Pasig City646-3177; 681-1842MARCOS HIGHWAYTown & Country Commercial ArcadeMarcos Highway corner Narra St.Cainta, Rizal668-1197; 668-1199; 668-123668-1983; 668-1976MARCOS HIGHWAY-STA. LUCIASta. Lucia East Grand Mall, Marcos Highway cornerFelix Avenue, Cainta, Rizal681-7328; 681-5287MARIKINA17 Bayan-Bayanan Ave.Concepcion, Marikina933-6395; 941-1888; 941-5851MARIKINA-STA. ELENA314 J.P. Rizal St., Sta. Elena, Marikina City646-1793; 681-1672MASANGKAYLun Hong Townmates Association Bldg.1226 Masangkay St., Sta. Cruz, Manila255-2002; 255-2065; 255-2080MAYONG/F Alpha Bldg., 174 Mayon St.La Loma, Quezon City414-3606; 414-3607; 740-9164742-7679; 742-7675METROPOLITAN AVE.G/F, Metropolitan Terraces CondominiumMetropolitan Ave. cornerSacred Heart St., Makati City899-6618; 899-6693; 899-6631; 890-5437MEYCAUAYANLiberty Bldg., MacArthur Highway CalvarioMeycauayan, Bulacan(044) 721-0820; 443-7323MOLO-ILOILOEscoto-Natividad Bldg. M.H. del Pilar St. corner LopezJaena St., Molo, Iloilo(033) 336-8950; 336-8951MONUMENTOMacArthur Highwaycorner Calle Uno, Caloocan City362-0295; 330-5683; 365-5470NAGABrgy. San FranciscoPeñafrancia Ave., Naga City(054) 472-6602; 811-8861NAIANinoy Aquino, International AirportArrival Lobby, Pasay City879-5195; 877-3568NOVALICHES-BAYAN233 Karen Bldg., General Luis St.Novaliches, Quezon City938-2432; 938-8082NAVOTASSeafront Commercial CenterNorth Bay Blvd., Navotas282-7369; 282-7368; 283-8352NOVALICHES1016 Quirino Hi-way Town ProperBgy. Monica, Novaliches, Quezon City939-8468; 939-8590; 938-0225ONGPINUnit ABC Imperial Sky Garden Ongpin St. corner T.Pinpin St., Binondo, Manila244-3738; 243-5516ONGPIN-TOMAS MAPUA1004-1006 Ongpin St.Sta. Cruz, Manila734-2944; 734-2524ORTIGAS AVE.209 Ortigas Ave., Greenhills, San Juan724-7114; 724-7091; 724-9156
2 0 0 5 A N N U A L R E P O R T 83PACO1050 Pedro Gil St., Paco, Manila536-6448; 536-6449PADRE RADAGosiupo Bldg., 480-482 Padre Radacorner Elcano Sts. Tondo, Manila245-0176; 245-0249PAMPLONAZapote Alabang Rd.Pamplona, Las Piñas872-2563; 872-0824PASAY ROADUnit 102, 845 One Corporate Plaza CondominiumAntonio S. Arnaiz Ave. (formerly Pasay Road)Makati City894-1732; 817-6113; 810-9382; 818-1783PASAYLibertad corner Colayco St.Pasay City831-0593; 551-2513;551-6876; 551-6877PASEO DE ROXASG/F Philcom Bldg.Paseo de Roxas, Makati City843-4421; 843-5464; 815-2204PASEO DE ROXAS 28737 Paseo de Roxas St. ,Makati City818-3587; 892-7333; 892- 5703; 840-3633840-3366; 892-9796 818-3527PASIGMariposa ArcadeA. Mabini corner Dr. Pilapil St., Pasig641-0557; 640-1633; 640-1643PASIG-KAPITOLYOA.B. Sandoval Bldg.corner Oranbo Drive, Pasig City638-2129; 638-2132PATEROSEast Mansion Homes, Phase I, Elisco RoadSto. Rosario East, Pateros, Metro Manila641-4729; 641-3542POTRERO110 MacArthur Highwaycorner Riverside St., Potrero, Malabon447-4554; 447-4555; 367-9806QUEZON AVE.-ROCESDNE Bldg., 1050 Quezon Ave.near corner Roces Ave., Quezon City374-6836; 374-6834QUEZON AVE.103 Aries Bldg., Quezon Ave.Quezon City712-3411; 731-2354; 410-2884QUINTIN PAREDES524 Enterprise Bldg., Quintin Paredes St.corner Carvajal St., Binondo, Manila243-9689; 243-9687; 243-4041 to 44245-5948QUIRINO PACOCRS Tower, Pres. Quirino Ave.corner Perdigon St., Paco, Manila561-7305; 562-2153RIZAL AVENUE2502-2504 Rizal Ave. corner Cavite St.Sta. Cruz, Manila781-9976; 732-7483; 732-7451; 732-9848ROCKWELLG/F Power Plant Mall, Rockwell CenterAmapola cor. Estrella S., Makati City899-1488; 899-1250ROOSEVELT-MANGA325 Roosevelt Ave. corner Manga St.Quezon City373-9691; 414-3092SALCEDO3 Salcedo Place, Tordesillas St.Salcedo Village, Makati City751-6087; 887-7734SAMSON ROADG/F Ma.Cristina Bldg.Samson Road corner UE Tech., Caloocan City362-8140; 361-0602; 361-2538SAN ANDRESSan Andres corner Linao Sts., Malate, Manila525-6658; 525-6633SAN JOSE-NUEVA ECIJAMokara Bldg., Maharlika Highway, Abar 1stSan Jose City, Nueva Ecija(044) 947-0457; 947-0458SAN JUAN88 N. Domingo Street, San Juan725-5019; 724-8036SAN FERNANDO-PAMPANGAGen. Hizon ExtensionSan FernandoPampanga(045) 860-6379; 961-5196SAN PABLOMary Grace Bldg., Colago Ave.corner M.L. Quezon St., San Pablo City(049) 562-1026; 562-1027; 800-0322SAN PEDROTayao Bus.Ctr. Bldg., A. Mabini St.San Pedro, Laguna868-0352; 868-0353; 847-3699; 847-2688SAN PEDRO-NATIONAL HIGHWAYTayao Business Center Bldg, A. Mabini St.San Pedro, Laguna868-0353; 868-0352SHAW BLVD.555 Shaw Blvd., Mandaluyong City722-7572; 722-6677; 722-7584SHAW BLVD.-YULO285 A. Shaw Blvd. corner L. Cruz St.Mandaluyong City533-6518; 533-5424SM CITY BACOORUGF SM Bacoor, Gen. Aguinaldo Hi-way cornerTirona Hi-way, Bacoor, Cavite(046) 970-5700; 970-5701; 417-7719(02) 886-4668SM CITY BAGUIOUGF SM City BaguioUpper Session Road, Baguio City(074) 619-7625 to 28; 619-7623SM CITY BATANGASGF SM City BatangasBrgy. Paloocan West, Batangas City(043) 722-2556, 722-2557SM CITY BICUTANLGF SM City Bicutan Doña Soledad Ave.corner West Service Road, Parañaque City777-9262; 777-9263; 777-9264SM CITY CAGAYAN DE OROG/F SM City Cagayan de OroPueblo de Oro Business ParkUpper Canituan, Cagayan de OroMisamis Oriental(088) 859-2633; 859-2632SM CITY CEBUSM City CebuNorth Reclamation Area, Cebu City(032) 232-0774; 231-2082; 231-4053SM CITY DASMARIÑASSM City Dasmariñas, Barrio Pala-PalaDasmariñas, Cavite(046) 432-3020; 432-3080; 432-3040SM CITY DAVAOUGF SM City Davao, Brgy. Matina Davao City(082) 297-4371; 299-2618297-4341; 299-2921SM CITY ISM City Annex Bldg., EDSA cornerNorth Ave., Quezon City928-4329; 928-3243; 929-2173SM CITY IIEDSA corner North Ave., Quezon City426-3909; 456-6580; 925-5604SM CITY ILOILOUGF SM City Iloilo, Benigno Aquino Ave.Mandurriao, Iloilo(033) 320-9465; 320-9470320-9490; 320-9433SM CITY LUCENAG/F SM City LucenaPagbilao National Road, Lucena City(042) 710-6108; 710-6723; 710-7296(02) 889-6790SM CITY MANILALGF SM City Manila Concepcion corner Arrocerosand San Marcelino Sts., Manila524-7788; 524-7787; 524-7978; 524-7801SM CITY MARILAOGF SM City Marilao, McArthur HighwayMarilao, Bulacan(044) 238-8001; 933-2002 to 04; 299-6835
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Banco de Oro Universal Bank provide
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M a n a g e m e n t D i r e c t o r
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2 0 0 5 A N N U A L R E P O R T 5M
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2 0 0 5 A N N U A L R E P O R T 7M
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2 0 0 5 A N N U A L R E P O R T 13A
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2 0 0 5 A N N U A L R E P O R T 21A
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2 0 0 5 A N N U A L R E P O R T 23S
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26 BANCO DE OROStatements of Income
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28 BANCO DE OROStatements of Cash F
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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
Page 78 and 79: 76B A N C O D E O R OM a n a g e m
Page 80 and 81: 78B A N C O D E O R OP r o d u c t
Page 82 and 83: 80B A N C O D E O R OB r a n c h D
Page 86: 84B A N C O D E O R OSM CITY PAMPAN
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