

CORE VALUES banking industry, Banco De Oro Unibank (BDO) today represents a firm consolidation of distinct strengths and advantages built over the years by the entities behind its history. Photography Wig Tysmans and Francis Rivera Printing Transprint Corporation 2010 Annual Report We find ways ® Table of CONTENTS 01 Financial Highlights 02 Message from the Chairman Emeritus 04 Message from the Chairman 06 Message from the President Review of Operations 35 Statements of Income 08 Review of Operations: Economic Environment 36 Management Directory 10 Review of Operations: Operational Highlights 38 Products and Services 18 Accolades 39 BDO Group of Companies 20 Corporate Governance 40 Branch Directory 24 Corporate Social Responsibility Corporate Social Responsibility 28 Board of Directors 30 Directors’ Profile 33 Statement of Management’s Responsibility for Financial Statements 34 Statements of Financial Position Products and Services We find ways CORPORATE PROFILE CORPORATE MISSION T he product of a merger heralded as unprecedented in size and scale in the Philippine To be the preferred bank in every market we serve by consistently providing innovative products and flawless delivery of services, proactively reinventing ourselves to meet market demands, creating shareholders value through superior returns, cultivating in our people a sense of pride and ownership, and striving to be always better than what we are today…tomorrow.

840-7000 2010 ANNUAL REPORT Production Corporate Affairs, BDO Marketing Communications Design and Concept Xpress Media Philippines, Inc. We find ways® BDO Corporate Center 7899 Makati Avenue, Makati City Tel.
