Presentation Presentation Outline I. Overview II. Financial - PowerPoint PPT Presentation

April 2019 Investor Presentation

Presentation Outline I. Overview II. Financial Highlights III. Ownership, Board and Management IV. Environmental, Social and Governance V. Awards and Citations

About BDO • The Philippines’ largest bank with total assets of P3.0 Tn (USD57.5 Bn). • A full-service universal bank with one of the widest distribution networks consisting of more than 1,300 operating branches and over 4,000 ATMs nationwide. • Part of the SM Group, one of the country’s largest conglomerates. 3

Milestones • Expansion through organic growth and M&As To acquire RB Pandi banking business Joint Ventures with Nomura Securities, and Mitsubishi Motors Phils./Sojitz/JACCS; Acquired exclusive franchise of Diners Club Int’l and full P3.0 TN control of Generali Pilipinas Life (renamed as BDO Life Assurance) Acquired Rural Bank of San Juan’s banking business P2 TN Merged with Equitable PCI Bank. P2.7 TN P1.9 TN Acquired Amex Savings Bank Philippines P2.3 TN Acquired 1st e- Bank’s Acquired One Network Bank banking business P862 BN Acquired Citibank Merged with Dao Heng P802 BN Savings, DB Trust P1.2 TN Bank Philippines and Real Bank P234 BN P149 BN KB license Acquired GE Money Bank P617 BN P36 BN Est. as Acme Acquired UOB Philippines’ branch banking business P121 BN Savings Bank P77 BN Acquired Banco Santander Philippines U/KB license Assets P13 BN Acquired by SM Group 2001 2002 2007 2012 2014 2018 2019 1967 1996 2003 2005 2008 2009 2015 2016 2017 1976 1994 Niche Strategy Commercial Bank Expansion Full-Service Bank Strategy Ranking #19 #17 #13 #9 #9 #5 #2 #1

Full Service Bank • Complete range of financial products and services Corporate & Leasing & Consumer Rural Branch Treasury Institutional Finance Banking Banking Banking Services Banking       Corporate and Direct lease, Auto Salary loans Deposit & Fixed income middle market sale and   related products dealership Mortgage MSME loans lending leaseback     Over-the- Foreign Credit cards Deposit  arrangements Trade finance counter exchange  products Personal loans   Installment transactions transactions Specialized   Cash Merchant paper   lending Cross-selling Portfolio management payment purchases  distribution management Financial  processing Remittances  Receivable  platform Institutions Liquidity discounting  management Cross-border and factoring financing Trust Private Investment Stock Transaction Insurance Banking Banking Banking Brokerage Banking       Cash Investment Wealth Underwriting & Equities trading Brokerage management advisory distribution of  (property & management Online stock    fixed income & casualty) Unit investment Customized trading Electronic  equity banking trust funds portfolio Bancassurance   management securities (individual & ATMs Living trusts  group life Fin’l advisory   Retirement Prepaid cards insurance)   funds Project finance Merchant   acquiring Special trusts / Loan  custodianship syndication Remittances 5

Market Reach • Wide and extensive coverage in key areas North Europe - 9 America - 3 9 Remittance Offices Asia - 11 Remittance Offices 2 Full-service Branches 6 Remittance Offices 3 Representative Offices Middle East - 1 Representative Office Philippines - 1,319 Branches BDO ONB Total 24 International Offices 348 66 414 Luzon Metro 579 1 580 Manila 121 20 141 Visayas Mindanao 82 102 184 Total 1,130 189 1,319 Branches As of 03 April 2019

Business Franchise • Market-leading positions in almost all business lines #1 #1 #1 #1 #1 Customer Credit Assets Under Deposits Remittances Loans Cards 1 Management Leading Trade Major Player in Services Provider 2 Cash Management 3 #1 #1 #1 #3 #1 Insurance Investment Private Rural Leasing & Brokerage 5 Banking 4 Banking Banking Finance Notes: 1 In terms of cardholder base, merchant acquiring gross billings, and credit card receivables 2 According to Asian Banking and Finance, Global Finance 3 According to Alpha South East Asia, Asian Banking and Finance, The Asset 7 4 In terms of debt and equity capital markets corporate issuances, excluding banks’ stock rights offers 5 Among insurance brokers in terms of premiums produced and commissions earned

Industry Ranking • No. 1 among Philippine banks Total Assets Gross Customer Loans (in PHP billions) (in PHP billions) 2,990 2,008 BDO Market Share – 18% BDO Market Share – 22% 2,261 2,085 1,886 1,388 1,369 975 774 864 770 672 665 569 652 511 413 389 304 266 MBT BPI LBP PNB CHIB SECB DBP UBP RCBC MBT BPI LBP PNB CHIB SECB RCBC UBP DBP Customer Deposits Assets Under Management (in PHP billions) (in PHP billions) 1,162 2,419 BDO Market Share – 37% BDO Market Share – 19% 1,663 1,588 1,557 591 429 734 722 306 489 475 424 421 134 88 88 86 49 46 LBP BPI MBT PNB CHIB SECB DBP RCBC UBP BPI MBT LBP CHIB PNB RCBC UCPB SECB UBP Source: Company data, consolidated statements of condition (SOC). Ranking as at 31 December 2018 Note: Financials prepared by banks under BSP’s SOC requirements differ slightly from reported financials under SEC 8 guidelines due to certain differences in accounting rules requested by the two authorities

Organizational Structure • With equity investments in allied and non-allied enterprises BDO Unibank, Inc. BANKING / FINANCE REMITTANCES INSURANCE PROPERTY OTHERS BDO Remit (USA), BDO Insurance SM Keppel Land, Inc. NLEX Corp. (formerly BDO Private Bank, MMPC Auto Inc. 100% Brokers, Inc. 100% 50% Manila North Inc. 100% Financial Tollways Corp.) Services Corp. 12.4% 40% (b) Express Padala BDO Life Assurance Northpine Land, Inc. BDO Leasing and (HK) Ltd. 100% Company (formerly 20% Finance, Inc. BDO - Generali Pilipinas Life Venture Industry for 87.43%, BDO BDO Rental, BDO Remit Assurance Co.) BDO- Business Enterprises Capital – 1.11% Equimark-NFC Inc. 100% (Canada) Ltd. 100% 97.0%, BDO Capital- 24% (a) Development Corp. 3.0% 60% One Network Bank, BDORO Europe Ltd. Inc. (A Rural Bank) BDO Remit (Japan) Taal Land, Inc. 33.33% 100% 99.8550% BDO Remit Ltd. 100% (b) (UK) Ltd. (formerly CBN BDO Strategic BDO Remit(Italia) London Ltd.) Holdings, Inc. 100% S.p.A. 100% (a) Unicorn First 100% Properties, Inc. 35% BDO Nomura Armstrong (a) For dissolution BDO Remit (a) CBN Greece Securities, Inc. 51% Securities 80% (b) For sale Limited 100% S.A. 99.92% (a) (b) Averon Holdings, Inc. BDO Remit BDO Capital & 100% BDO Remit BDO Securities (Macau)Limited Investment (Ireland) Corporation ** not yet operational. 100% Corporation Designated 100% 99.88% Activity BDO Remit Int’l Company. Stockholders of BDO Holdings B.V. 100% Financial Allied Subsidiary 96.32% Financial Allied Affiliate Non-Financial Allied Subsidiary Non-Allied Undertaking CBN Subsidiary/Affiliates of BDO Remittance Subsidiaries Center S.A. Non-Financial Allied Affiliate 99.99%

The Banker Top 1000 World Banks – Tier 1 Capital 2017 Rank Origin Bank USD Million Bank Gospodarstwa Krajowego 5,421 231 232 Taipei Fubon Bank 5,419 233 Iyo Bank 5,403 234 Mashreqbank 5,391 235 BDO Unibank 5,344 E. Sun Commercial Bank 236 5,289 237 Yes Bank 5,203 238 Bank Nederlandse Gemeenten 5,140 239 Qatar Islamic Bank 5,114 240 Landwirtschaftliche Rentenbank 5,067 10

The Banker Top Philippine Banks – Tier 1 Capital 2017 Bank USD Million Rank 0 1000 2000 3000 4000 5000 6000 5,344 1 3,611 2 MBT 3,325 3 BPI 1,940 4 SECB 5 1,782 PNB 6 1,415 CHIB 1,088 7 RCBC 1,014 8 UBP Note: Only private banks are included in the 2017 individual country rankings list Acronyms: BDO BDO Unibank PNB Philippine National Bank BPI Bank of the Philippine Islands RCBC Rizal Commercial Banking Corp. CHIB 11 China Banking Corporation SECB Security Bank Corp. MBT Metropolitan Bank& Trust UBP UnionBank of the Philippines

Credit Ratings Moody’s Fitch 29-Jan-2019 30-Jan-2019 Foreign Currency Bank Deposits/Issuer/Debt Rating (IDR) Long Term Baa2 BBB- Short Term P-2 F3 Outlook Stable Stable Senior Unsecured debt Long Term Baa2 BBB- Short Term P-2 Outlook Stable BCA/Viability Rating Baseline Credit Assessment (BCA) baa2 Adjusted BCA Rating baa2 Viability Rating bbb- Support Rating 2 Support Rating Floor BBB- Counterparty Risk (CR) Assessment Long Term Baa1(cr) Short Term P-2 (cr) Counterparty Risk Rating (CRR)* Foreign Currency Long Term Baa1 Short Term P-2 Local Currency Long term Baa1 Short Term P-2 Source : Moody’s, Fitch 12