BDOUY
BDO Unibank, Inc.
BDOUY
(3.5)28,81 USD
1.65% ROA
14.85% ROE
10.37x PER
735.996.854.137,74 USD
36.43% DER
20.32% Yield
25.97% NPM
BDO Unibank, Inc. Stock Analysis
BDO Unibank, Inc. Fundamental Analysis
Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.
| # | Analysis | Rating |
|---|---|---|
| 1 |
DER
The stock has a low debt to equity ratio (36%), which means it has a small amount of debt compared to the ownership it holds |
|
| 2 |
Revenue Growth
This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory. |
|
| 3 |
Assets Growth
This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory. |
|
| 4 |
ROE
ROE in an average range (14.77%) suggests satisfactory profitability and decent utilization of shareholders' equity. |
|
| 5 |
ROA
The stock's ROA (1.65%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits. |
|
| 6 |
PBV
The stock's PBV ratio (1.42x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities. |
|
| 7 |
Net Profit Growth
Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect. |
|
| 8 |
Graham Number
Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice. |
|
| 9 |
Dividend Growth
The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors. |
|
| 10 |
Dividend
The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors. |
|
| 11 |
Buffet Intrinsic Value
The company's stock shows potential as it is undervalued (5.486) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price. |
BDO Unibank, Inc. Technical Analysis
Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.
| # | Analysis | Recommendation |
|---|---|---|
| 1 | Awesome Oscillator | Hold |
| 2 | MACD | Buy |
| 3 | RSI | Hold |
| 4 | Stoch RSI | Sell |
BDO Unibank, Inc. Price Chart
Financial Statements
Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.
Income Statements
An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.
Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.
| Year | Revenue | Growth |
|---|---|---|
| 2004 | 7.375.630.000 | |
| 2005 | 10.791.516.000 | 31.65% |
| 2006 | 13.489.483.000 | 20% |
| 2007 | 38.295.511.000 | 64.78% |
| 2008 | 31.535.696.000 | -21.44% |
| 2009 | 52.195.000.000 | 39.58% |
| 2010 | 45.301.000.000 | -15.22% |
| 2011 | 48.534.000.000 | 6.66% |
| 2012 | 58.305.000.000 | 16.76% |
| 2013 | 71.483.000.000 | 18.44% |
| 2014 | 76.498.000.000 | 6.56% |
| 2015 | 84.414.000.000 | 9.38% |
| 2016 | 101.087.000.000 | 16.49% |
| 2017 | 116.066.000.000 | 12.91% |
| 2018 | 133.102.000.000 | 12.8% |
| 2019 | 160.555.000.000 | 17.1% |
| 2020 | 172.747.000.000 | 7.06% |
| 2021 | 174.285.000.000 | 0.88% |
| 2022 | 197.714.000.000 | 11.85% |
| 2023 | 255.028.000.000 | 22.47% |
Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.
| Year | Research and Development Expenses | Growth |
|---|---|---|
| 2004 | 0 | |
| 2005 | 0 | 0% |
| 2006 | 0 | 0% |
| 2007 | 0 | 0% |
| 2008 | 0 | 0% |
| 2009 | 0 | 0% |
| 2010 | 0 | 0% |
| 2011 | 0 | 0% |
| 2012 | 0 | 0% |
| 2013 | 0 | 0% |
| 2014 | 0 | 0% |
| 2015 | 0 | 0% |
| 2016 | 0 | 0% |
| 2017 | 0 | 0% |
| 2018 | 0 | 0% |
| 2019 | 0 | 0% |
| 2020 | 0 | 0% |
| 2021 | 0 | 0% |
| 2022 | 0 | 0% |
| 2023 | 0 | 0% |
General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.
| Year | General and Administrative Expenses | Growth |
|---|---|---|
| 2004 | 162.013.000 | |
| 2005 | 240.489.000 | 32.63% |
| 2006 | 238.808.000 | -0.7% |
| 2007 | 668.663.000 | 64.29% |
| 2008 | 1.569.304.000 | 57.39% |
| 2009 | 0 | 0% |
| 2010 | 0 | 0% |
| 2011 | 0 | 0% |
| 2012 | 4.604.000.000 | 100% |
| 2013 | 5.659.000.000 | 18.64% |
| 2014 | 5.922.000.000 | 4.44% |
| 2015 | 6.342.000.000 | 6.62% |
| 2016 | 7.089.000.000 | 10.54% |
| 2017 | 8.233.000.000 | 13.9% |
| 2018 | 9.626.000.000 | 14.47% |
| 2019 | 9.893.000.000 | 2.7% |
| 2020 | 8.864.000.000 | -11.61% |
| 2021 | 9.214.000.000 | 3.8% |
| 2022 | 0 | 0% |
| 2023 | 0 | 0% |
EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.
| Year | EBITDA | Growth |
|---|---|---|
| 2004 | 2.301.882.000 | |
| 2005 | 3.382.264.000 | 31.94% |
| 2006 | 4.562.446.000 | 25.87% |
| 2007 | 12.207.461.000 | 62.63% |
| 2008 | 5.745.731.000 | -112.46% |
| 2009 | 10.542.000.000 | 45.5% |
| 2010 | 13.336.000.000 | 20.95% |
| 2011 | 15.011.000.000 | 11.16% |
| 2012 | 18.827.000.000 | 20.27% |
| 2013 | 27.472.000.000 | 31.47% |
| 2014 | 30.307.000.000 | 9.35% |
| 2015 | 34.678.000.000 | 12.6% |
| 2016 | 37.669.000.000 | 7.94% |
| 2017 | 42.694.000.000 | 11.77% |
| 2018 | 49.491.000.000 | 13.73% |
| 2019 | 68.063.000.000 | 27.29% |
| 2020 | 55.212.000.000 | -23.28% |
| 2021 | 64.896.000.000 | 14.92% |
| 2022 | 102.772.000.000 | 36.85% |
| 2023 | 107.620.000.000 | 4.5% |
Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.
| Year | Gross Profit | Growth |
|---|---|---|
| 2004 | 7.375.630.000 | |
| 2005 | 10.791.516.000 | 31.65% |
| 2006 | 13.489.483.000 | 20% |
| 2007 | 38.295.511.000 | 64.78% |
| 2008 | 31.535.696.000 | -21.44% |
| 2009 | 52.195.000.000 | 39.58% |
| 2010 | 45.301.000.000 | -15.22% |
| 2011 | 48.534.000.000 | 6.66% |
| 2012 | 58.305.000.000 | 16.76% |
| 2013 | 71.483.000.000 | 18.44% |
| 2014 | 76.498.000.000 | 6.56% |
| 2015 | 84.414.000.000 | 9.38% |
| 2016 | 101.087.000.000 | 16.49% |
| 2017 | 116.066.000.000 | 12.91% |
| 2018 | 133.102.000.000 | 12.8% |
| 2019 | 160.555.000.000 | 17.1% |
| 2020 | 172.747.000.000 | 7.06% |
| 2021 | 174.285.000.000 | 0.88% |
| 2022 | 197.714.000.000 | 11.85% |
| 2023 | 255.028.000.000 | 22.47% |
Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.
| Year | Net Profit | Growth |
|---|---|---|
| 2004 | 2.021.038.000 | |
| 2005 | 2.586.191.000 | 21.85% |
| 2006 | 3.128.294.000 | 17.33% |
| 2007 | 6.518.656.000 | 52.01% |
| 2008 | 2.182.402.000 | -198.69% |
| 2009 | 6.035.000.000 | 63.84% |
| 2010 | 8.825.000.000 | 31.61% |
| 2011 | 10.531.000.000 | 16.2% |
| 2012 | 14.283.000.000 | 26.27% |
| 2013 | 22.608.000.000 | 36.82% |
| 2014 | 22.805.000.000 | 0.86% |
| 2015 | 25.016.000.000 | 8.84% |
| 2016 | 26.090.000.000 | 4.12% |
| 2017 | 28.070.000.000 | 7.05% |
| 2018 | 32.708.000.000 | 14.18% |
| 2019 | 44.194.000.000 | 25.99% |
| 2020 | 28.246.000.000 | -56.46% |
| 2021 | 42.791.000.000 | 33.99% |
| 2022 | 57.054.000.000 | 25% |
| 2023 | 74.816.000.000 | 23.74% |
EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.
| Year | Earning per Share (EPS) | Growth |
|---|---|---|
| 2004 | 16 | |
| 2005 | 20 | 15.79% |
| 2006 | 22 | 13.64% |
| 2007 | 21 | -10% |
| 2008 | 7 | -233.33% |
| 2009 | 18 | 66.67% |
| 2010 | 26 | 28% |
| 2011 | 31 | 16.67% |
| 2012 | 36 | 14.29% |
| 2013 | 50 | 28.57% |
| 2014 | 50 | 0% |
| 2015 | 54 | 9.26% |
| 2016 | 57 | 3.57% |
| 2017 | 54 | -5.66% |
| 2018 | 62 | 14.52% |
| 2019 | 84 | 26.19% |
| 2020 | 53 | -58.49% |
| 2021 | 81 | 33.75% |
| 2022 | 108 | 25.23% |
| 2023 | 142 | 24.65% |
Cashflow Statements
Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.
Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.
| Year | Free Cashflow | Growth |
|---|---|---|
| 2004 | 9.050.276.000 | |
| 2005 | 5.229.709.000 | -73.06% |
| 2006 | 33.702.563.000 | 84.48% |
| 2007 | -15.337.479.000 | 319.74% |
| 2008 | 15.030.595.000 | 202.04% |
| 2009 | 23.565.000.000 | 36.22% |
| 2010 | 51.196.000.000 | 53.97% |
| 2011 | -19.066.000.000 | 368.52% |
| 2012 | 3.490.000.000 | 646.3% |
| 2013 | 285.873.000.000 | 98.78% |
| 2014 | -39.575.000.000 | 822.36% |
| 2015 | -19.891.000.000 | -98.96% |
| 2016 | 31.712.000.000 | 162.72% |
| 2017 | -8.977.000.000 | 453.26% |
| 2018 | 82.177.000.000 | 110.92% |
| 2019 | -68.171.000.000 | 220.55% |
| 2020 | 111.162.000.000 | 161.33% |
| 2021 | 124.333.000.000 | 10.59% |
| 2022 | 248.662.000.000 | 50% |
| 2023 | 85.404.000.000 | -191.16% |
Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.
| Year | Operating Cashflow | Growth |
|---|---|---|
| 2004 | 9.383.317.000 | |
| 2005 | 6.055.230.000 | -54.96% |
| 2006 | 34.460.455.000 | 82.43% |
| 2007 | -13.389.235.000 | 357.37% |
| 2008 | 20.109.358.000 | 166.58% |
| 2009 | 26.201.000.000 | 23.25% |
| 2010 | 53.435.000.000 | 50.97% |
| 2011 | -16.508.000.000 | 423.69% |
| 2012 | 6.465.000.000 | 355.34% |
| 2013 | 290.393.000.000 | 97.77% |
| 2014 | -33.605.000.000 | 964.14% |
| 2015 | -12.928.000.000 | -159.94% |
| 2016 | 37.249.000.000 | 134.71% |
| 2017 | -2.819.000.000 | 1421.36% |
| 2018 | 90.312.000.000 | 103.12% |
| 2019 | -63.774.000.000 | 241.61% |
| 2020 | 114.251.000.000 | 155.82% |
| 2021 | 128.186.000.000 | 10.87% |
| 2022 | 252.550.000.000 | 49.24% |
| 2023 | 86.368.000.000 | -192.41% |
Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.
| Year | Capital Expenditure | Growth |
|---|---|---|
| 2004 | 333.041.000 | |
| 2005 | 825.521.000 | 59.66% |
| 2006 | 757.892.000 | -8.92% |
| 2007 | 1.948.244.000 | 61.1% |
| 2008 | 5.078.763.000 | 61.64% |
| 2009 | 2.636.000.000 | -92.67% |
| 2010 | 2.239.000.000 | -17.73% |
| 2011 | 2.558.000.000 | 12.47% |
| 2012 | 2.975.000.000 | 14.02% |
| 2013 | 4.520.000.000 | 34.18% |
| 2014 | 5.970.000.000 | 24.29% |
| 2015 | 6.963.000.000 | 14.26% |
| 2016 | 5.537.000.000 | -25.75% |
| 2017 | 6.158.000.000 | 10.08% |
| 2018 | 8.135.000.000 | 24.3% |
| 2019 | 4.397.000.000 | -85.01% |
| 2020 | 3.089.000.000 | -42.34% |
| 2021 | 3.853.000.000 | 19.83% |
| 2022 | 3.888.000.000 | 0.9% |
| 2023 | 964.000.000 | -303.32% |
Balance Sheet
Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.
Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.
| Year | Equity | Growth |
|---|---|---|
| 2005 | 20.234.304.000 | |
| 2006 | 24.428.784.000 | 17.17% |
| 2007 | 59.840.386.000 | 59.18% |
| 2008 | 57.056.534.000 | -4.88% |
| 2009 | 67.252.000.000 | 15.16% |
| 2010 | 88.009.000.000 | 23.59% |
| 2011 | 96.329.000.000 | 8.64% |
| 2012 | 156.595.000.000 | 38.49% |
| 2013 | 163.711.000.000 | 4.35% |
| 2014 | 179.036.000.000 | 8.56% |
| 2015 | 198.990.000.000 | 10.03% |
| 2016 | 216.792.000.000 | 8.21% |
| 2017 | 297.488.000.000 | 27.13% |
| 2018 | 328.149.000.000 | 9.34% |
| 2019 | 370.587.000.000 | 11.45% |
| 2020 | 393.021.000.000 | 5.71% |
| 2021 | 424.548.000.000 | 7.43% |
| 2022 | 461.457.000.000 | 8% |
| 2023 | 502.701.000.000 | 8.2% |
Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.
| Year | Assets | Growth |
|---|---|---|
| 2005 | 233.764.786.000 | |
| 2006 | 304.473.488.000 | 23.22% |
| 2007 | 617.421.476.000 | 50.69% |
| 2008 | 802.032.074.000 | 23.02% |
| 2009 | 862.049.000.000 | 6.96% |
| 2010 | 1.000.869.000.000 | 13.87% |
| 2011 | 1.097.349.000.000 | 8.79% |
| 2012 | 1.244.408.000.000 | 11.82% |
| 2013 | 1.672.778.000.000 | 25.61% |
| 2014 | 1.863.649.000.000 | 10.24% |
| 2015 | 2.031.254.000.000 | 8.25% |
| 2016 | 2.324.958.000.000 | 12.63% |
| 2017 | 2.668.104.000.000 | 12.86% |
| 2018 | 3.022.247.000.000 | 11.72% |
| 2019 | 3.188.858.000.000 | 5.22% |
| 2020 | 3.374.900.000.000 | 5.51% |
| 2021 | 3.623.749.000.000 | 6.87% |
| 2022 | 4.074.708.000.000 | 11.07% |
| 2023 | 4.288.337.000.000 | 4.98% |
Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.
| Year | Liabilities | Growth |
|---|---|---|
| 2005 | 37.768.478.000 | |
| 2006 | 22.703.258.000 | -66.36% |
| 2007 | 556.880.848.000 | 95.92% |
| 2008 | 744.257.854.000 | 25.18% |
| 2009 | 794.162.000.000 | 6.28% |
| 2010 | 912.137.000.000 | 12.93% |
| 2011 | 1.000.387.000.000 | 8.82% |
| 2012 | 1.087.156.000.000 | 7.98% |
| 2013 | 1.508.424.000.000 | 27.93% |
| 2014 | 1.683.980.000.000 | 10.43% |
| 2015 | 1.831.641.000.000 | 8.06% |
| 2016 | 2.107.423.000.000 | 13.09% |
| 2017 | 2.369.764.000.000 | 11.07% |
| 2018 | 2.694.098.000.000 | 12.04% |
| 2019 | 2.818.271.000.000 | 4.41% |
| 2020 | 2.981.879.000.000 | 5.49% |
| 2021 | 3.199.201.000.000 | 6.79% |
| 2022 | 3.613.251.000.000 | 11.46% |
| 2023 | 182.333.000.000 | -1881.68% |
BDO Unibank, Inc. Financial Ratio (TTM)
Valuation Metrics
- Revenue per Share
- 455.93
- Net Income per Share
- 134.67
- Price to Earning Ratio
- 10.37x
- Price To Sales Ratio
- 3.06x
- POCF Ratio
- 2.59
- PFCF Ratio
- 2.63
- Price to Book Ratio
- 1.47
- EV to Sales
- 1.7
- EV Over EBITDA
- 3.38
- EV to Operating CashFlow
- 1.44
- EV to FreeCashFlow
- 1.46
- Earnings Yield
- 0.1
- FreeCashFlow Yield
- 0.38
- Market Cap
- 736,00 Bil.
- Enterprise Value
- 408,59 Bil.
- Graham Number
- 1696.54
- Graham NetNet
- 621.41
Income Statement Metrics
- Net Income per Share
- 134.67
- Income Quality
- 3.09
- ROE
- 0.15
- Return On Assets
- 0.02
- Return On Capital Employed
- 0.05
- Net Income per EBT
- 0.76
- EBT Per Ebit
- 1.21
- Ebit per Revenue
- 0.28
- Effective Tax Rate
- 0.24
Margins
- Sales, General, & Administrative to Revenue
- 0
- Research & Developement to Revenue
- 0
- Stock Based Compensation to Revenue
- 0
- Gross Profit Margin
- 1
- Operating Profit Margin
- 0.28
- Pretax Profit Margin
- 0.34
- Net Profit Margin
- 0.26
Dividends
- Dividend Yield
- 0.2
- Dividend Yield %
- 20.32
- Payout Ratio
- 0.2
- Dividend Per Share
- 5.09
Operating Metrics
- Operating Cashflow per Share
- 540.23
- Free CashFlow per Share
- 531.33
- Capex to Operating CashFlow
- -0.02
- Capex to Revenue
- -0.02
- Capex to Depreciation
- -0.46
- Return on Invested Capital
- 0.13
- Return on Tangible Assets
- 0.02
- Days Sales Outstanding
- 0
- Days Payables Outstanding
- 0
- Days of Inventory on Hand
- 0
- Receivables Turnover
- 0
- Payables Turnover
- 0
- Inventory Turnover
- 0
- Capex per Share
- -8.91
Balance Sheet
- Cash per Share
- 967,48
- Book Value per Share
- 949,88
- Tangible Book Value per Share
- 7793.15
- Shareholders Equity per Share
- 949.88
- Interest Debt per Share
- 433.33
- Debt to Equity
- 0.36
- Debt to Assets
- 0.04
- Net Debt to EBITDA
- -2.71
- Current Ratio
- 0
- Tangible Asset Value
- 4.106,00 Bil.
- Net Current Asset Value
- 327,41 Bil.
- Invested Capital
- 0.36
- Working Capital
- 509,74 Bil.
- Intangibles to Total Assets
- 0
- Average Receivables
- 0,00 Bil.
- Average Payables
- 0,00 Bil.
- Average Inventory
- 0
- Debt to Market Cap
- 0.25
Dividends
Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.
| Year | Dividends | Growth |
|---|---|---|
| 2021 | 0 | |
| 2022 | 0 | 0% |
| 2023 | 5 | 100% |
BDO Unibank, Inc. Profile
About BDO Unibank, Inc.
BDO Unibank, Inc., together with its subsidiaries, provides various banking products and services primarily in the Philippines. Its deposit products include savings, checking, and time deposit accounts; and loan portfolio comprises personal, auto, home, small and medium-enterprise, project finance, term, and working capital loans. The company also offers life, auto, home, personal accident, travel, and employee benefits insurance products; remittance services; trade facilities, such as trade settlements, trust receipts, export bill purchases, and letters of credit; and trust and investment services consisting of unit investment trust funds, portfolio management, escrow services, security/collateral/ bond trusteeship, facility/paying agency, and investment advisory services. In addition, it provides investment banking services, such as equity and fixed income underwriting, financial advisory, direct equity investment, securitization, and retail treasury bonds services. Further, the company offers leasing and financing solutions, including direct leases, sale and leaseback arrangements, car, equipment, vehicle leasing, and cash management services; treasury services; debit and credit cards; and mini pos, online, mobile, and phone banking services. As of December 31, 2021, it operated 1,193 branches, including 2 foreign branches; 4,152 automated teller machines (ATMs); 624 cash accept machines; and 9 self-service teller machines. BDO Unibank, Inc. was incorporated in 1967 and is headquartered in Makati City, the Philippines.
- CEO
- Mr. Nestor V. Tan
- Employee
- 39.323
- Address
-
BDO Corporate Center
Makati City, 0726
BDO Unibank, Inc. Executives & BODs
| # | Name | Age |
|---|---|---|
| 1 |
Ms. Marilyn Ku Go Senior Vice President & Deputy Treasurer |
70 |
| 2 |
Attorney Elmer B. Serrano Corporate Information Officer |
70 |
| 3 |
Mr. Rolando Cordero Tanchanco Senior EVice President & Head of Consumer Banking Group |
70 |
| 4 |
Attorney Federico Primavera Tancongco Senior Vice President, Chief Compliance Officer & Head of Compliance and Legal Department |
70 |
| 5 |
Ms. Evelyn Llarena Villanueva Executive Vice President, Chief Risk Officer & Head of Risk Management Group |
70 |
| 6 |
Mr. Nestor V. Tan President, Chief Executive Officer & Executive Director |
70 |
| 7 |
Ms. Julie Yap Chua Executive Vice President & Co-Deputy Head of Institutional Banking Group |
70 |
| 8 |
Mr. Luis Santos Reyes Jr. Executive Vice President and Head of Investor Relations & Corporate Planning |
70 |
| 9 |
Ms. Evelyn Chua Salagubang Group Head for Human Resources (HR) & Senior Vice President |
70 |
| 10 |
Ms. Josefina N. Tan Non-Executive Director |
70 |
BDO Unibank, Inc. Competitors
