Ma. Ophelia Ll. Camiña, 58, is Senior Vice President and Credit Cards Business Head, ConsumerLending Group. She previously held directorship and acting President positions in Equitable CardNetwork, Inc., a <strong>BDO</strong> subsidiary. Prior to joining the Bank, she was Executive Vice President of SMEquicom Computer Services Inc. She holds a Bachelor’s degree in Commerce from the Universityof San Carlos and MBA from De La Salle University.Arthur Vincent D. Chung, 48, is Senior Vice President and Head of Financial Institutions Groupand Loans and Trade in Hong Kong Branch. He holds a Bachelor of Science degree in Commercemajor in Marketing Management from De La Salle University and a Master’s degree in BusinessAdministration from the University of Western Australia. Prior to joining <strong>BDO</strong>, he was the ChiefFinancial Officer of Liwayway China Ltd. Shanghai and Liwayway Marketing Corporation in Manila.He also held various positions in banking with Philippine Bank of Communications as InstitutionalBanking Head, Bank of America as Senior Investment Banker, and Societe Generale as DeputyCountry Manager.Angelita O. Cortez, 57, is Senior Vice President and Head of Legal Services. She has more thantwenty-five (25) years of experience as a corporate and banking lawyer, having started her legalcareer as an associate at the Sycip Salazar Hernandez & Gatmaitan law firm. Prior to joining <strong>BDO</strong>,she held the position of Vice President, Legal and Compliance Officer of BPI Capital Corporation;and Director of BPI Securities Corporation. She obtained her BS Education and Bachelor of Lawsdegrees from the University of the Philippines.Jonathan T. Cua, 40, is Senior Vice President. He is also the Regional Head for <strong>BDO</strong> PrivateBank’s Relationship Management in the Visayas and Mindanao region. He holds a Bachelor’sdegree in Commerce, Major in Legal Management from the De La Salle University. He has eleven(11) years banking experience.Ramon S. David, 53, is Senior Vice President and currently Region Head of Metro Manila East.Prior to joining the Branch Banking Group in January 2009, he was President of Equitable SavingsBank for almost five (5) years. He joined the then PCIBank in 1993 as a Division Head in CorporateBanking..Ma. Lourdes T. de Vera, 56, is Senior Vice President. She holds a Bachelor’s degree inEconomics from the Ateneo de Manila University. She is also a graduate of the Masters inBusiness Management Program of the Asian Institute of Management and the ExecutiveDevelopment Program of the Research Institute of Management Science, Delft, Netherlands. Priorto joining <strong>BDO</strong>, she worked for the Private Development Corporation of the Philippines, holdingvarious positions in the Trust and Investments Department, Investment Banking Group, andEconomic and Corporate Research. She currently heads the Product and Market DevelopmentUnit of <strong>BDO</strong>’s Trust and Investments Group. She was the past President of the Trust OfficersAssociation of the Philippines and Governor of the Market Governance Board of Philippine Dealingand Exchange Corporation (PDEx).SEC FORM 17-A 58
Montiel H. de los Santos, 50, is Senior Vice President and Head of Foreign Currency Sales,Treasury Group. He is a graduate of De La Salle University in Manila with a Bachelor of Sciencedegree major in Management of Financial Institutions. He has thirty (30) years of bankingexperience in Treasury Function and Account Management.Geronimo D. Diaz, 56, Senior Vice President, holds a Bachelor’s degree in Accounting, MagnaCum Laude, from the University of the East and is a Certified Public Accountant. He joined theBank in April 1998 as Head of the Corporate Planning & Marketing Support of the Bank. He ispresently with Branch Banking as Region Head.Jonathan C. Diokno, 39, is Senior Vice President and Head of Transaction Banking Group (TBG)Remittance Origination. He joined at <strong>BDO</strong> last 2001 as Senior Assistant Vice President in TBGCash Management, was transferred to TBG Remittance International Operations as VicePresident, and was promoted to First Vice President last 2008. He was also a member ofAssociation of Bank Remittance Officers Inc. He holds a Bachelor’s degree in BusinessAdministration in University of the Philippines, Diliman, Quezon City.Ismael G. Estela, Jr., 55, is Senior Vice President and newly-appointed Corporate GovernanceOfficer, while he is assigned to Corporate Compliance and Legal Services & Internal Audit Group.Previously, he was Head of Transaction Banking doing cash management, electronic banking, andremittance services; and Chairman and President of Express Padala International, Inc. He is acertified public accountant (“CPA”) and holds a Bachelor of Science degree in Accounting from theUniversity of San Carlos.Marvin V. Fausto, 50, is Senior Vice President and Chief Investment Officer of Trust andInvestments Group. He is the founding President and Director of the Fund Managers Association ofthe Philippines. He is the Adviser of the Trust Officers Association of the Philippines.Georgiana A. Gamboa, 55, is Senior Vice President of <strong>BDO</strong>. She was appointed President of<strong>BDO</strong> Leasing and Finance, Inc. (<strong>BDO</strong>LF) on December 1, 2010. She concurrently holds theposition of President of <strong>BDO</strong> Rental, Inc. She was formerly connected with City Trust BankingCorporation for sixteen (16) years and the Bank of the Philippine Islands for seven (7) years. Herbanking career spanned several functions including: Branch Manager – Consumer BankingRelationship Manager – Corporate Bank (where she grew from Assistant Manager to VicePresident), and Remedial Management Head. Prior to joining <strong>BDO</strong>LF, she was the President ofBPI Leasing Corporation, a subsidiary of Bank of the Philippine Islands, for seven (7) years. Sheholds a Bachelor’s Degree in Economics from De La Salle University where she finished SummaCum Laude and received her Master of Arts in Economics from the University of the Philippines.Jonathan C. B. Go, 57, is Senior Vice President. He is Chairman of PCIB Securities, Equiland,and Equitable Insurance Corporation. He is also a Director of Northpine Land, Inc. and President ofOlympus Import Export Corporation. He was formerly a director of Strategic Property Holdings,Inc., The Executive Banclounge, Inc., EBC Insurance Brokerage, Inc., Jardine Equitable FinanceCorporation, PCIB Properties, Inc., Property Care, Inc., and Equimark – NFC DevelopmentSEC FORM 17-A 59
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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
- Page 8 and 9:
Philippine Subsidiaries% Interest H
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sophisticated investors. The Bank
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(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 62 and 63: Bienvenido M. Juat, Jr., 58, is Exe
- 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
- Page 113 and 114: - 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
- Page 175 and 176:
- 78 -The fair values of government
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- 80 -The fair values are determine
- Page 179 and 180:
- 82 -Reclassification of CLNs from
- Page 181 and 182:
- 84 -Per MORB, non-performing loan
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- 86 -Leasehold Furniture,Rights an
- Page 185 and 186:
- 88 -Land Buildings TotalJanuary 1
- Page 187 and 188:
- 90 -Real and other properties acq
- Page 189 and 190:
- 92 -The BDO Unibank Group’s sub
- Page 191 and 192:
- 94 -Full allowance for impairment
- Page 193 and 194:
- 96 -This account is composed of t
- Page 195 and 196:
- 98 -The breakdown of this account
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- 100 -On October 19, 2009, the pre
- Page 199 and 200:
- 102 -On December 29, 2009, BSP is
- Page 201 and 202:
- 104 -19.02 Capital AllocationThe
- Page 203 and 204:
- 106 -annum of the par value. Subs
- Page 205 and 206:
- 108 -20. INTEREST INCOMEInterest
- Page 207 and 208:
- 110 -Other operating expenses con
- Page 209 and 210:
- 112 -The movements in the present
- Page 211 and 212:
- 114 -Parent Bank2011 2010 2009 20
- Page 213 and 214:
- 116 -(c) Other Transactions with
- Page 215 and 216:
- 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
- Page 223 and 224:
- 126 -28. EARNINGS PER SHAREBasic
- Page 225 and 226:
- 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