Bienvenido M. Juat, Jr., 58, is Executive Vice President. He is currently seconded as Treasurer of<strong>BDO</strong> Private Bank, Inc. (<strong>BDO</strong>PB). He holds a degree in Bachelor of Arts major in Economics andMBA (candidate) from Ateneo de Manila University. He joined Equitable PCI Bank, Inc. in August2001 and upon merger, was assigned to <strong>BDO</strong>PB.Ricardo V. Martin, 54, is Executive Vice President for Corporate Compliance, Legal Services andInternal Audit Group and administratively oversees the Corporate Secretary’s Office, Anti-MoneyLaundering Unit, Legal Services, Compliance, and Internal Audit. He is also a Director of <strong>BDO</strong>Strategic Holdings, Inc., <strong>BDO</strong> Remit (Italia), S.p.A., and <strong>BDO</strong> Remit (USA), Inc. Previously, heserved as Chief Finance Officer & Executive Vice President for Equitable PCI Bank, Inc. Earlier, hewas the Chief Finance Officer of Solidbank Corporation.Edmundo S. Soriano, 56, is Executive Vice President and Group Head for the Corporate BankingGroup. He holds a Bachelor’s degree in Economics (Honors) from Ateneo de Manila University. Hefinished his MBA (With Distinction) from Adelphi University, New York, USA. Prior to joining <strong>BDO</strong>,Mr. Soriano was President of Lightspeed Holdings, Inc., a private equity firm. He was also VicePresident at JP Morgan Chase where his last assignment gave him Asia-Pacific regionalresponsibility for corporate and investment banking based in Hong Kong. Prior to this, he was anAssistant Vice President at First Chicago Leasing and Equipment Credit Corp., an affiliate of FirstNational Bank of Chicago. He holds directorships in various companies. He attended continuingeducation programs at Euro-Insead, University of California at Berkeley and American Institute ofBanking.Rolando C. Tanchanco, 50, is Executive Vice President for Consumer Lending. He holds aBachelor’s degree in Business Economics from the University of the Philippines. He acquired hisMBM at the Asian Institute of Management. Mr. Tanchanco joined <strong>BDO</strong> to head the <strong>BDO</strong>’sConsumer Lending. Prior to his joining <strong>BDO</strong>, Mr. Tanchanco was President of Philam SavingsBank and head of AIG Credit Card. He is currently a Director of <strong>BDO</strong> Elite Savings Bank, Inc. andTrans Union Phils.Dennis B. Velasquez, 58, is Executive Vice President for Central Operations. He is also a Directorof the Executive Baclounge, Inc. He was Equitable PCI Bank, Inc.’s Operations Group Head fromMay 2006 until its merger with <strong>BDO</strong> in May 2007. He served in 2000 as the Integration Manager forRetail Banking and was Retail Banking Group Head from <strong>March</strong> 2002 to April 2006. He has beenwith the Bank since August 1995. He is also a Director of Philippine Clearing House Corporation,and Chairman and President of Denmar Property Managers, Inc.Evelyn L. Villanueva, 53, is Executive Vice President of <strong>BDO</strong>’s Risk Management Group, and is<strong>BDO</strong>’s Chief Risk Officer. She is also a Director <strong>BDO</strong> Leasing and Finance, Inc.; Chairperson andChief Executive Officer of Mabuhay Vinyl Corporation, and Chairperson of Bayantel MonitoringCommittee. She holds a Bachelor degree in Statistics from the University of the Philippines. Sheobtained her Master in Business Management (“MBM”) degree from the Asian Institute ofManagement. She has over twenty (20) years of banking experience in credit, risk and accountmanagement. She started out as a management trainee in Citytrust Banking Corporation and wasconnected with HSBC as Senior Vice President for Credit Risk Management before joining <strong>BDO</strong>.SEC FORM 17-A 56
Ursula A. Alano, 57, is Senior Vice President and Head of Treasury Marketing Unit. She is also aDirector of Albulario and Sons, Inc. She holds a Bachelor of Arts degree in Psychology from St.Theresa’s College. She joined the Bank in January 2001 as Senior Vice President for TreasuryMarketing Unit. Prior to joining the Bank, she was a First Vice President and Head of TreasuryMarketing Group at Far East Bank & Trust Company.Noel L. Andrada, 49, is Senior Vice President and Business Development Head for Trust andInvestments Group. He joined <strong>BDO</strong> in 2003 as Vice President of the Group. He was formerlyconnected with BPI Asset Management and Trust Group as Head of Business Development forCorporate/Institutional accounts. He acquired a Master’s Degree in Business Management at DeLa Salle University. He graduated from the same university with a degree in BS Commerce.Victor C. Arboleda, 58, is Senior Vice President and Chief Compliance Officer of <strong>BDO</strong> sinceOctober 27, 2007. Mr. Arboleda, a Certified Public Accountant, has had more than thirty (30) yearsof extensive experience in internal audit and bank operations. He headed the TransactionProcessing Division when he joined Equitable PCI Bank, Inc. (EPCIB) in January 2001 and wasappointed Internal Auditor of EPCIB on <strong>March</strong> 16, 2006. He holds a degree in Bachelor of Sciencein Commerce, major in Accounting, from the University of Santo Tomas. He completed theExecutive Development Program at the Asian Institute of Management.Melanie S. Belen, 51, is Senior Vice President and Unit Head of Remedial Management Unit of<strong>BDO</strong>. She graduated from the University of Santo Tomas with a Bachelor of Science degree inCommerce, Major in Accounting and obtained her Master's degree in Management from the AsianInstitute of Management. She joined the Bank in July 2008 and prior to joining the Bank, she wasa Country Head at Scholastic Inc., Philippines/Grolier International.Gamalielh Ariel O. Benavides, 45, is Senior Vice President. He is seconded to <strong>BDO</strong> PrivateBank, Inc. as Senior Vice President and the Head of the Wealth Advisory and Trust Group. He hasover twenty (20) years of banking experience in the areas of Treasury and Financial Markets,Capital Markets Operations, Securities Broking, Deposits and Investment Services, SecuritiesCustody, Settlement and Trust with various financial institutions such as Citibank, N. A. Manila andSingapore Branches, Abacus Securities Corporation, Banco Santander Philippines, Inc., and <strong>BDO</strong>Private Bank. In 2005, he was conferred the “Registered Financial Consultant (RFC)” designationby the International Association of Registered Financial Consultants (IARFC), a certificationorganization based in the U.S. In 2010, he completed the One-Year Course on Trust Operationsand Investment Management conducted by the Trust Institute Foundation of the Philippines. Mr.Benavides has a Bachelor of Science degree in Management minor in Philosophy from the Ateneode Manila University.Rafael G. Besa, 53, is Senior Vice President. He is a graduate of De La Salle University withdouble degree majors in Communication Arts and Marketing Management. Mr. Besa currentlyheads Marketing Communications, and was formerly the General Manager of Pfizer, Inc. –Consumer Healthcare Division where he was connected from 2004 to 2006.SEC FORM 17-A 57
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Via ODiSyMarch 22, 2012PHILIPPINE S
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SEC FORM 17-A
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TABLE OF CONTENTSPage No.PART I- BU
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Philippine Subsidiaries% Interest H
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sophisticated investors. The Bank
- Page 12: (v)Transactions with and/or Depende
- Page 16 and 17: BDO BANK-OWNED PROPERTIES UTILIZED
- Page 18 and 19: BDO BANK-OWNED PROPERTIES UTILIZED
- Page 20 and 21: 2) Leased PropertiesThe Group lease
- Page 22 and 23: Branch Address Lease Lease ExpiryEf
- Page 24 and 25: Branch Address Lease Lease ExpiryEf
- Page 26 and 27: Branch Address Lease Lease ExpiryEf
- Page 28 and 29: Branch Address Lease Lease ExpiryEf
- Page 30 and 31: Branch Address Lease Lease ExpiryEf
- Page 32 and 33: Branch Address Lease Lease ExpiryEf
- Page 34 and 35: Branch Address Lease Lease ExpiryEf
- Page 36 and 37: Branch Address Lease Lease ExpiryEf
- Page 38 and 39: Branch Address Lease Lease ExpiryEf
- Page 40 and 41: Branch Address Lease Lease ExpiryEf
- Page 42 and 43: Item 4. Submission of Matters to a
- Page 44 and 45: On 29 January 2011, the Board of th
- Page 46 and 47: Total Equity grew by 9% to P97.0 bi
- Page 48 and 49: Balance Sheet - 2010 vs. 2009Total
- Page 50 and 51: Comprehensive Income - For the year
- Page 52 and 53: Item 7. Financial StatementsThe con
- Page 54 and 55: UOB Singapore. He was formerly the
- Page 56 and 57: Director of the Philippine Global C
- Page 58 and 59: Name Age PositionInvestments GroupG
- Page 60 and 61: Antonio N. Cotoco, 63, is Senior Ex
- Page 64 and 65: Ma. Ophelia Ll. Camiña, 58, is Sen
- Page 66 and 67: Corporation; a Trustee of PCI Bank
- Page 68 and 69: Dalmacio D. Martin, 50, is Senior V
- Page 70 and 71: Luis S. Reyes, Jr., 54, is Senior V
- Page 72 and 73: Equitable Banking Corporation in Ju
- Page 74 and 75: The above compensation includes the
- Page 76 and 77: Title ofClassName of BeneficialOwne
- Page 78 and 79: esponsible for the setting up of th
- Page 80 and 81: 2 May 2011 Retirement of Ms. Nenita
- Page 82: Setting the annual shareholders’
- Page 87: AUDITED FINANCIAL STATEMENTSDECEMBE
- Page 93 and 94: BDO UNIBANK, INC. AND SUBSIDIARIES(
- Page 95 and 96: - 2 -Net UnrealizedFair ValueGains
- Page 97 and 98: - 2 -BDO Unibank GroupParent BankNo
- Page 99 and 100: 1.02 Approval of Financial Statemen
- Page 101 and 102: - 4 -Parent BankFRSP Difference PFR
- Page 103 and 104: - 6 -(ii) Philippine Interpretation
- Page 105 and 106: - 8 -• PFRS 7 (Amendment), Financ
- Page 107 and 108: - 10 -(v) PFRS 9, Financial Instrum
- Page 109 and 110: - 12 -The financial statements of s
- Page 111 and 112: - 14 -2.06 Financial AssetsFinancia
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- 16 -HTM investments consist of go
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- 18 -The value produced by a model
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- 20 -2.12 Premises, Furniture, Fix
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- 22 -Deposit liabilities and other
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- 24 -2.20 Revenue and Expense Reco
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- 26 -Provisions are measured at th
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- 28 -Future cash flows in a group
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- 30 -Foreign exchange gains and lo
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- 32 -(e)Executive Stock Option Pla
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- 34 -3.01 Critical Management Judg
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- 36 -3.02 Key Sources of Estimatio
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- 38 -(iv) Loans and Other Receivab
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- 40 -Parent BankNotes Level 1 Leve
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- 42 -The retirement benefit asset
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- 44 -• It then disseminates the
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- 46 -2010MoreOne to than three Mor
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- 48 -2010MoreOne to than three Mor
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- 50 -Parent Bank2011 2010ForeignFo
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- 52 -BDO Unibank Group2010More Mor
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- 54 -Parent Bank2010More MoreOne t
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- 56 -A summary of the VaR position
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- 58 -Parent BankImpact onImpact on
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- 60 -b. SubstandardAccounts classi
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- 62 -BDO Unibank Group2010Loans an
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- 64 -Parent Bank2010Loans andTradi
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- 66 -4.02.04.03 Concentrations of
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- 68 -5. SEGMENT REPORTINGThe BDO U
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- 70 -Commercial Investment Private
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- 72 -At Amortized Carrying FairCos
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- 74 -8. DUE FROM OTHER BANKSThe ba
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- 76 -The aggregate contractual or
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- 78 -The fair values of government
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- 80 -The fair values are determine
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- 82 -Reclassification of CLNs from
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- 84 -Per MORB, non-performing loan
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- 86 -Leasehold Furniture,Rights an
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- 88 -Land Buildings TotalJanuary 1
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- 90 -Real and other properties acq
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- 92 -The BDO Unibank Group’s sub
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- 94 -Full allowance for impairment
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- 96 -This account is composed of t
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- 98 -The breakdown of this account
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- 100 -On October 19, 2009, the pre
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- 102 -On December 29, 2009, BSP is
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- 104 -19.02 Capital AllocationThe
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- 106 -annum of the par value. Subs
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- 108 -20. INTEREST INCOMEInterest
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- 110 -Other operating expenses con
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- 112 -The movements in the present
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- 114 -Parent Bank2011 2010 2009 20
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- 116 -(c) Other Transactions with
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- 118 -ii. On January 31, 2008, BDO
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- 120 -27. TAXES27.01 Current and D
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- 122 -Movements in net deferred ta
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- 124 -27.04 Gross Receipts Tax (GR
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- 126 -28. EARNINGS PER SHAREBasic
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- 128 -29. SELECTED FINANCIAL PERFO
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- 130 -Sale of BankardBDO (as succe
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- 132 -PEACe bondsOn October 18, 20
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- 134 -Following is a summary of BD