Via ODiSy March 22, 2012 PHILIPPINE STOCK EXCHANGE ... - BDO

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Philippine Subsidiaries% Interest HeldBDO Private Bank, Inc. (BDO Private) 100%BDO Strategic Holdings, Inc. (BDOSHI, formerly EBCII) 100%BDO Leasing and Finance, Inc. 87%BDO Elite Savings Bank, Inc. (formerly GE Money Bank, Inc.) 99%BDO Capital & Investment Corporation (BDO Capital) 100%Equimark – NFC Development Corp. 60%PCIB Securities, Inc. 100%PCI Realty Corporation 100%BDO Insurance Brokers, Inc. (BDOI) 100%PCI Insurance Brokers, Inc. (PCI Insurance) 100%Foreign Subsidiaries% Interest HeldExpress Padala HK Ltd. 100%BDO Remittance (USA), Inc. 100%PCIB Europe, S.P.A 100%Express Padala Frankfurt GmbH 100%Associates% Interest HeldManila North Tollways Corporation (MNTC) 12%SM Keppel Land, Inc. 50%Generali Pilipinas Holdings, Inc. 40%Northpine Land Incorporated 20%Taal Land 33%2) Business of Issuer(i)Principal Products and ServicesDepositsBDO offers a wide array of Peso, Dollar, and Third Currency deposit products and servicescatering to a broad and diversified client base. These products cut across age groups (to includethe young, teen, and senior generations) and customer profiles (such as OFWs and USGovernment pensioners and their beneficiaries). Further details on the Bank’s various depositproducts can be accessed at its website www.bdo.com.ph.Remittance ServicesBDO’s strength in providing top remittance services lies in its extensive international reachspanning Asia, Europe, North America, and the Middle East. On the distribution side, a strongdomestic coverage consisting of the Bank’s wide branch network and remittance partners thatSEC FORM 17-A 2
include, among others, ShoeMart (SM), thrift banks, pawnshops, as well as other financial servicepartners, complements the Bank’s international presence. BDO also has tie-ups with SM and itspartner establishments, as well as food outlets (like Jollibee and Max’s) that provide clients withunique value-added services such as gift and food remittance delivery.Trust ServicesIn addition to investment management and wealth advisory services, BDO offers a good mix ofready-made products such as the Unit Investment Trust Funds (UITFs) for individual and corporateclients; customized portfolios targeted at corporate and institutional accounts; as well asspecialized trust services and directed accounts.Treasury Dealership and Brokering ServicesThe Bank offers a broad range of treasury services to corporate, institutional and individual clientswith specific needs and varied risk profiles. These services include the purchase and sale offoreign exchange, fixed-income securities investments, and derivatives, for which the Bank’scompetence has been recognized through several awards for securities dealership and foreignexchange services provider. Exclusive economic briefings and forums in regional centers are alsoconducted on a periodic basis to enhance clients’ awareness of prevailing financial marketconditions.Transaction BankingBDO’s transaction-based services provide high value-added cash management solutions tovarious market segments that include large corporations, financial institutions, government entities,and small- and medium-enterprises (SMEs). The Bank’s electronic banking services, which includethe Bank’s over 1,600 ATMs nationwide, as well as the internet, mobile, and phone bankingfacilities, allow customers to access their accounts and perform an extensive range of bankingtransactions at their convenience, anytime, anywhere. Meanwhile, the Bank’s debit card facility letscustomers enjoy the convenience of hassle-free cashless payment and easy cash access with justone card.Credit CardsThe Bank offers an extensive array of locally- and internationally-accepted credit cards bearing theBDO Shopmore, American Express, JCB, MasterCard, Union Pay, and Visa brands, as well asother co-brand tie-ups (Amex Cathay Pacific and Forever 21). BDO credit cards likewise cover abroad market spectrum across different age groups ranging from the young upwardly mobilegeneration (with Amex Blue) to high net worth individuals (Elite cards).Investment BankingThrough its subsidiary, BDO Capital & Investment Corp., the Bank provides expertise and optimalsolutions to address the capital raising needs of corporations, government entities, andSEC FORM 17-A 3
Page 1 and 2: Via ODiSyMarch 22, 2012PHILIPPINE S
Page 3: SEC FORM 17-A
Page 6 and 7: TABLE OF CONTENTSPage No.PART I- BU
Page 10 and 11: 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 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 64 and 65:
Ma. Ophelia Ll. Camiña, 58, is Sen
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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
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Equitable Banking Corporation in Ju
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The above compensation includes the
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Title ofClassName of BeneficialOwne
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esponsible for the setting up of th
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2 May 2011 Retirement of Ms. Nenita
Page 82:
Setting the annual shareholders’
Page 87:
AUDITED FINANCIAL STATEMENTSDECEMBE
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BDO UNIBANK, INC. AND SUBSIDIARIES(
Page 95 and 96:
- 2 -Net UnrealizedFair ValueGains
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- 2 -BDO Unibank GroupParent BankNo
Page 99 and 100:
1.02 Approval of Financial Statemen
Page 101 and 102:
- 4 -Parent BankFRSP Difference PFR
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- 6 -(ii) Philippine Interpretation
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- 8 -• PFRS 7 (Amendment), Financ
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- 10 -(v) PFRS 9, Financial Instrum
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- 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
Page 121 and 122:
- 24 -2.20 Revenue and Expense Reco
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- 26 -Provisions are measured at th
Page 125 and 126:
- 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
Page 165 and 166:
- 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
Page 179 and 180:
- 82 -Reclassification of CLNs from
Page 181 and 182:
- 84 -Per MORB, non-performing loan
Page 183 and 184:
- 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
Page 225 and 226:
- 128 -29. SELECTED FINANCIAL PERFO
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- 130 -Sale of BankardBDO (as succe
Page 229 and 230:
- 132 -PEACe bondsOn October 18, 20
Page 231:
- 134 -Following is a summary of BD
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Via ODiSy March 22, 2012 PHILIPPINE STOCK EXCHANGE ... - BDO

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