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2010 ANNUAL REPORT
We find ways®
BDO Corporate Center
7899 Makati Avenue, Makati City
Tel. 840-7000
www.bdo.com.ph
Production Production Corporate Affairs, BDO Marketing Communications
Design and Concept Design and Concept Xpress Media Philippines, Inc.
Photography Photography Wig Tysmans and Francis Rivera
Printing Printing Transprint Corporation
2010 Annual Report
We find ways®
35 Statements of Income
36 Management Directory
38 Products and Services
39 BDO Group of Companies
40 Branch Directory
01 Financial Highlights
02 Message from theChairman Emeritus
04 Message from the Chairman
06 Message from the President
08 Review of Operations: Economic Environment
10 Review of Operations: Operational Highlights
18 Accolades
20 Corporate Governance
24 Corporate Social Responsibility
28 Board of Directors
30 Directors’ Profile
33 Statement of Management’s Responsibility for Financial Statements
34 Statements of Financial Position
Table ofCONTENTS
Products and Services
Review of Operations
Corporate Social Responsibility
We find ways
CORPORATE MISSION
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.
CORE VALUES
Commitment to Customers
We are committed to deliver products
and services that surpass customer
expectations in value and every aspect
of customer service, while remaining
to be prudent and trustworthy
stewards of their wealth.
Commitment to a Dynamic and Efficient
Organization
We are committed to creating an
organization that is flexible, responds
to change and encourages innovation
and creativity. We are committed
to the process of continuous
improvements in everything we do.
Commitment to Employees
We are committed to our employees’
growth and development and we
will nurture them in an environment
where excellence, integrity, teamwork,
professionalism and performance are
valued above all else.
Commitment to Shareholders
We are committed to provide our
shareholders with superior returns over
the long term.
The product of a merger heralded as
unprecedented in size and scale in the Philippine
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. BDO is an institution that
honors its past, continues to improve on its present, and
moves towards the future with confidence and strength.
BDO is a full-service universal bank. It has the
ability to provide a complete array of industry-leading
products and services to the retail and corporate markets
including Lending (corporate, middle market, SME,
and consumer), Deposit-taking, Foreign Exchange,
Brokering, Trust and Investments, Credit Cards,
Corporate Cash Management and Remittances. Through
its subsidiaries, the Bank offers Leasing and Financing,
Investment Banking, Private Banking, Bancassurance,
Insurance Brokerage and Stock Brokerage services.
BDO’s institutional strengths and value-added
products and services hold the key to its successful
business relationships with customers. On the front
line, its branches remain at the forefront of setting high
standards as a sales and service-oriented, customer-
focused force. Through selective acquisitions and
organic growth, BDO has positioned itself for increased
balance sheet strength and continuing expansion into
new markets.
BDO is a member of the SM Group, one of the
country’s largest and most successful conglomerates
with businesses spanning between retail, mall
operations, property development (residential,
commercial, resorts/hotel), and financial services.
Although part of a family conglomerate, BDO’s day-to-
day operations are handled by a team of professional
managers and bank officers.
CORPORATE PROFILE
2010 Annual Report
1
100
80
60
40
20
0
10
8
6
4
2
0
In Billion Pesos 2010 2009 ChangeResources 1,000.9 862.0 16%Gross Customer Loans 541.5 472.7 15%Deposits 782.6 694.7 13%Equity 88.7 67.9 31%Net Profit* 8.8 6.0 46% OPERATING HIGHLIGHTS Number of Operating Branches 726 707 3%Number of ATMs 1,430 1,354 6%Number of Employees 20,053 18,858 6% FINANCIAL PERFORMANCE INDICATORS (in %) Return on Average Equity 11.3% 9.7% 160 bpsReturn on Average Resources 1.0% 0.7% 30 bpsNet Interest Margin 4.1% 4.1% 0 bp Capital Adequacy Ratio 13.8% 12.2% 160 bps SHAREHOLDER INFORMATION Share Price (end-of-period, in Pesos) 58.50 39.00 50%Basic Earnings per Share (in Pesos) 3.37 2.57 31%Diluted Earnings per Share (in Pesos) 3.37 2.47 36%Cash Dividends per Common Share (in Pesos) 0.80 0.28 186%Book Value per Share (in Pesos) 31.84 26.61 20%Price to Book Value Ratio (x) 1.8x 1.5x
Financial Highlights
Resources
617
297
445
60 6.5
629
258
470
52
4.0
802393
637
57
2.2
862
473
695
68
6.0
1,001
542
783
89 8.8
in Billion Pesos
08 08 08 08 0806 06 06 06 0609 09 09 09 0907 07 07 07 0710 10 10 10 10
Gross Customer Loansin Billion Pesos
Equityin Billion Pesos
Depositsin Billion Pesos
Net Profit*in Billion Pesos
1200
1000
800
600
400
200
0
600
500
400
300
200
100
0
800
700
600
500
400
300
200
100
0
*Attributable to Shareholders of the Parent Bank
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2
Message from the Chairman Emeritus
We have gone a long
way from our humble
beginnings when we
started in the late 70s as a thrift bank.
Back then, we were considered an
insignificant player in the Philippine
banking sector.
Today, we are recognized as the
country’s largest bank in assets, but
more so admired and honored by
prestigious international and local
financial institutions.
Building for the Future
Dear shareholders,
2010 Annual Report
3
We continued our leadership in
almost all market segments, including
the most number of deposits;
trust assets; gross customer loans;
cardholder base; and OFW remittance
transactions.
This growth story would not have
been possible had it not been for your
confidence and support.
I would like to take this opportunity
to thank our directors and officers for
the dedication and creativity in making
BDO what it is today. Most especially,
I thank you, our valued shareholders,
for the trust and patronage you have
consistently given the Bank. Rest
assured we will continue to enhance
shareholder’s value through new
opportunities.
BDO is not only building for its
future, but also building for the future
of the Philippines.
HENRY T. SY, SR.
Sincerely,
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4
Your Bank maintained its leadership
in the many aspects of the industry’s
ranking as shown by the recognitions
awarded to us by various local and
foreign financial institutions. While it
was challenging each time we think of
ways to satisfy the needs of our diverse
customers -- from a conservative client
to an expanding small and medium
enterprise up to a large corporation
embarking on a big-ticket project --
we always try our best to find ways to
deliver.
One of the important aspects of our
assets is the team members of the Bank,
whose talent, creativity, competence
and hard work elevated BDO to a better
position. I thank them for doing their
job and for doing them well.
Throughout all the business
activities, we have also involved
ourselves in programs assisting the
communities we are serving by helping
uplift the lives of the underprivileged
in the areas of shelter, livelihood and
education.
Message from the Chairman
Banco De Oro
Unibank, Inc.
considers 2010 a
good year.
We are pleased to report
that your Organization’s
total resources touched
the P1-trillion mark,
making it the first local
bank to accomplish such a
milestone.
Responding to Clients’Changing Needs
2010 Annual Report
5
TERESITA T. SY
We may face another tough year
in 2011 with the series of untoward
events happening globally and the
challenges our own country faces, but
knowing how resilient our economy
is, we are optimistic we can respond
to the changing needs of our clients.
In closing, I’d like to thank all the
members of the board and advisers
for their valuable insights and guidance
during the entire year; our shareholders
for the immeasurable support; and our
clients for their unfaltering trust and faith
in what we do. Together, let us continue
to make BDO the best bank of choice.
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6
Sustaining the Momentum
Your BDO today has the foundations
to perform well in the industry. It has
a strong franchise and is considered a
leader in a number of business lines. It
is now ranked 1st in terms of resources,
assets under management, deposits,
customer loans and capital. In addition
to its traditional large and middle
market corporate business, BDO’s
consumer business is now among
the best in the industry anchored on
a strong branch network, a robust
consumer lending franchise and an
industry-leading remittance business.
Earnings quality is high with close
to 90 percent of income coming from
recurring and sustainable sources.
The Bank’s financial position remains
very strong, with conservatively valued
assets and a more than adequate
capital base. In addition, we have
taken steps to account for another
possible economic challenge like we
have seen in the 1997 Asian crisis and
the 2008 global setback. The challenge
going forward for us is to sustain
our momentum and to guard against
complacency.
Message from the President
Let me start by saying
that your Bank had
a good year in 2010
and remained on track
with its long-term plans
post merger. Admittedly,
though, those long-term
strategies were in some way
sidetracked in 2008 as a
result of the global financial
crunch. That is now behind
us and, at this point, we are
in a very strong position to
move forward.
2010 Annual Report
7
NESTOR V. TAN
Looking ahead, 2011 may present
uncertainties as we face a rising interest
rate environment and concerns in the
political and economic arena worldwide.
Nevertheless, I believe BDO will continue
to outperform industry expectations and
achieve above average growth in net
profit.
While we are making major strides
in performance, we remain a work in
progress.
I would like to thank you for your
continued support and commitment. I
also would like to take this opportunity to
thank our board of directors, officers and
staff, and loyal clients for their support in
getting BDO to where it is now.
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8
Market pundits said the strong
fundamentals of the Philippine economy
allowed it to expand and triumph over
a challenging external environment
caused by a weak US recovery, lingering
European sovereign debt crisis, rising
global inflation pressures, as well as
capital influx from the impact of US
Quantitative Easing (QE2), a monetary
policy used by some Central Banks to
stimulate the economy.
Consumption spending in 2010
rose 5.3 % on the back of low inflation
and interest rates, as well as higher
remittances from the Overseas Filipino
Workers (OFW) and steady revenues
from the Business Process Outsourcing
(BPO) sector. And with the renewed
investors’ confidence following the
election of Benigno “Noynoy” C.
Aquino III as the 15th President of the
Philippines, fixed investments increased
17% channeled largely to construction
and durable goods to meet growing
demand.
Election spending created demand
for campaign-related goods and
services, generating seasonal jobs and
extra incomes. Government spending
was frontloaded in the first half of the
year to rebuild the areas damaged by
typhoons Ondoy (“Ketsana”) and Pepeng
(“Parma”) that hit the country in late 2009.
Meanwhile, exports grew 26% in 2010
on inventory restocking and increased
external demand following the global
downturn in 2009.
The broad-based demand showed in
the favorable performance in industry
and services. Among the industry
sectors, manufacturing and mining were
clear winners with annual growth rates
of 12.3% and 18.4%, respectively, as these
benefited from the big export rebound
and favorable global prices. Meanwhile,
services grew by 7.1%, led by real estate,
trade, and private services. Only the farm
sector posted a decline due to the impact
of the El Nino.
INFLATION
From a high of 4.4% in April and May,
the headline inflation rate settled at 3%
in November and December on stable
food prices, electricity rate cuts, and price
rollbacks for socially sensitive products
kerosene and liquefied petroleum gas
or LPG. The peso appreciation also
tempered the impact of imported inflation
notwithstanding rising global commodity
price pressures. The average inflation rate
was 3.8% for 2010 versus 3.2% in 2009,
falling near the low end of the Bangko
Sentral’s 3.5%-5.5% inflation target.
FOREIGN EXCHANGE
The peso strengthened to P43.88/US$1
by year-end 2010 from the P46.36/US$1
end-of-period rate in 2009; while the
average foreign exchange rate rose 5.6%
to P45.11/US$1 in 2010 from P47.64/US$1
in 2009.
The peso’s strong performance was
boosted by the strong OFW remittances
(+8.2% year-on-year to US$18.8 billion);
higher BPO incomes (US$9.0 billion);
and increased export earnings (US$51.4
billion in 2010 vs. US$38.4 billion in 2009).
Further adding to dollar liquidity was
the surge in portfolio investments to
US$4.6 billion in 2010 from just US$388
million the previous year. Foreign capital
had shifted to emerging markets like the
Philippines that offered higher yields
compared to the near-zero interest
rate in the US following the US Fed’s
Posting Gains on Solid Fundamentals
Economic Environment
The Philippine economy recorded its best performance in over three decades with a 7.3% growth in gross domestic product (GDP) in 2010, surpassing the government’s initial target of 5% to 6%.
This growth was bolstered by:
Review of 2010 Operations
20102009
7.3%
1.1%
Gross Domestic Product
2010 Annual Report
9
second round of “Quantitative Easing”
(QE2). This involved the purchase of
US government bonds (of as much as
US$ 600 billion until June 2011) to keep
US rates low to help prop up the US
economy.
INTEREST RATES
Thanks to the benign inflation, the
Bangko Sentral ng Pilipinas (BSP)
was able to keep its key policy rates
unchanged at 4% for overnight
borrowing rate and 6% for overnight
lending rate in 2010, setting the general
tone for interest rates during the year.
The average 91-day Treasury Bill rate
moved within the 3.74%-3.97% range
from January to October 2010, but fell
to an historic low of 0.78% in the last
auction in December to yield an average
of 3.7% for 2010 from 4.2% in 2009.
T-Bill rates plunged due to the surge
in domestic liquidity from the influx
of foreign funds triggered by the US
QE2. An indication of the system’s high
liquidity is the more than P1.2 trillion
in bank funds kept in the BSP’s Special
Deposit Account (SDA) facility as of end-
2010.
FISCAL PERFORMANCE
The national government posted a
P314.4-billion budget deficit (-3.7% of
GDP) in 2010, lower than the projected
P325-billion target (-3.9% of GDP), as
the Aquino administration restrained
spending amid below-target revenue
performance.
Total revenues grew by 7.5% in
2010 but fell short of the target by 6.7%
due to the Bureau of Internal Revenue
(BIR) and Bureau of Customs (BoC)
underperformance and lower asset sales.
To recompense for the huge P197 billion
deficit in the first half resulting from
the expansionary fiscal stimulus under
the previous administration and the
continued revenue shortfall, the Aquino
government controlled its expenditures
that enabled it to even post budget
surpluses in August (P1.3 billion) and
November (P482 million) and limit the
full-year deficit to P314.4 billion versus
the P325 billion target.
In recognition of its solid economic
performance in 2010, the country secured
a sovereign credit rating upgrade on its
foreign currency denominated debt to
‘BB’ from ‘BB-‘ from the international
credit ratings agency S&P in November,
the first upgrade since 1997 and the
highest in more than seven years.
OUTLOOK FOR 2011
Philippine economic growth is seen
normalizing this year from the rapid
expansion in 2010, in line with the
moderation in global economic pace
and in the absence of one-off growth
stimulus provided by the elections
and government rebuilding efforts.
Robust consumption spending and
material investments on Public-Private
Partnerships (PPP) initiatives will drive
economic activity this year.
Domestic household demand
serves as the major pillar to economic
growth this year on the back of good
demographics (a large and growing
consumer market of more than 90
million), higher per capita GDP, and
stable migrant and BPO income flows.
The country’s domestically-driven and
consumer-led nature (with consumption
spending contributing nearly 80% to total
economic activity, one of the highest in
the region) compensates for the expected
moderation in export performance this
year.
Meanwhile, more investments
through PPP initiatives serve to jumpstart
infrastructure spending without putting a
strain on the government’s fiscal position.
The government has identified various
projects like airports, expressways, and
railway expansion under the PPP, with
the objective of upgrading the country’s
infrastructure that in turn invites more
investments and ultimately yields a more
sustainable growth. The government also
hopes to raise the country’s investments-
to-GDP ratio, which has lagged behind
its neighbors, to levels comparable with
Asian peers.
Growing inflationary risks from rising
global commodity prices amid an uneven
global recovery present a major challenge
to the BSP this year. The BSP thus has
the delicate task of managing inflation,
foreign exchange, and interest rates to
maintain macroeconomic stability and
support domestic economic growth.
Despite these incipient risks, the
country’s macroeconomic fundamentals
remain healthy on the back of sustained
consumption spending supported by
continued OFW remittances and BPO
incomes. A transparent and a reform-
focused government is also a key positive
given the government’s firm commitment
to improve its fiscal standing and level
the playing field for business. These
should result in a virtuous cycle of more
investments with multiplier impact on
employment and incomes, leading to
potential credit rating upgrades and
setting the Philippines on a sustainable
growth path going forward.
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10
Review of 2010 Operations
2010 is a year of remarkable
accomplishments for Banco De Oro
Unibank, Inc. It became the first
Philippine bank to breach the P1-trillion
mark in terms of assets, growing 16
percent from 2009’s level of P862 billion.
Along side this feat is the 46-percent
jump in net income to P8.8 billion
from the P6-billion it earned in 2009.
This surpassed the P8.1-billion profit
guidance originally set for 2010. The
profit growth was a result of a more
diversified and sustainable earnings
stream from BDO’s core lending,
deposit-taking and service businesses.
HIGHLIGHTS:
percent to P541.5 billion.
to P34.2 billion.
amounted to P10.4 billion.
billion and raised non-performing
loan (NPL) coverage to 92 percent.
14 percent.
improved to 11.7 percent.
INTERMEDIATION ACTIVITIES
Business Lending. The Bank managed
to grow its business lending portfolio
by 12 percent in 2010 boosted by
the strong demand from clients in
the SME (small medium enterprise)
and commercial banking segments.
With the high growth trend, BDO is
encouraged to expand opportunities
from these markets. Loans from large
corporate clients, meanwhile, continued
to post modest growth rates, coming
mainly from project finance type of
transactions.
The commercial banking and SME
segments are still seen to pursue the
growth path in 2011 as shown by their
continued expansion efforts. As such,
the Bank anticipates faster loan growth
rates. There is also the expected demand
from large conglomerates specially
with the implementation of big-ticket
infrastructure projects under the Public
Private Partnership (PPP) initiated by the
Aquino government.
BDO will likewise remain focused on
growing the traditional working capital
and trade loans for the middle market
and watch out for potential project
finance and capital expenditure loans
from large corporations.
Another major contributor is the
Bank’s wholly owned unit, BDO Leasing
and Finance, Inc. (BDOLF). In 2010,
it posted a 28-percent growth in loan
portfolio to P15 billion on heightened
focus on corporate accounts. BDOLF
undertook aggressive marketing
initiatives to obtain business from
corporate and commercial banking
clients of BDO.
20102009
Business Lending
2009 2010
P782.6B
P694.7B
P432B
P387B
Total Deposits
Operational Highlights
Making Solid Progress
2010 Annual Report
11
savings accounts (CASA) and loans by
20 percent and 35 percent, respectively
at the end of 2010.
Moving forward, BDO will continue
to beef up its presence by setting up
branches in different growth areas.
Treasury. As the global economy
started to recover in 2010 amidst
renewed credit concerns arising from
debt-laden European countries, the
Bank remained cognizant of potential
pockets of opportunities in the market
as evidenced by its strong earnings and
asset growth during the year.
BDO’s strong performance was
reflected both in the notable revenue
progress across 2010 and also in some
of the market and client-nominated
awards which it has won over the
year. These included the citation as
As a result, BDOLF’s net profit
reached P309 million in 2010. It also
managed to cut by 7 percent its past
due accounts to P665.0 million from
P715.3 million in 2009.
Consumer Lending. With a better
economic situation, the Bank’s
consumer loans grew 27 percent at the
end of 2010. The increase was boosted
by the double-digit growth rates of
major business segments – home, auto
and credit cards.
• Home loans surged 34 percent with
heavy turn-ins from the Bank’s
wide branch network and solid tie-
ups with property developers and
brokers.
• Auto loan
bookings up
25 percent.
• Credit card
business rose
28 percent.
The Bank has
provided more
convenient means
of enrolling and
receiving statement of account to
cardholders by launching the electronic
statement of account or E-SOA. It also
offered to internet-savvy cardholders
a virtual card that they can use for
online transactions as well as provided
access to a number of E-Shopping
hubs to help facilitate on-line purchase
deliveries. BDO also added to its array
of card brands the China Union Pay
(CUP) card targeted for the Chinese
market. BDO is now both an issuer and
acquirer of CUP cards.
Branch Banking. In 2010, the Bank
implemented expansion projects,
raising the number of branches to 726
(including the Hong Kong branch)
from 707 in 2009. New branch openings
in strategic markets were done coupled
with relocation of existing branches
to new areas. The Bank’s network of
automated teller machines (ATMs), on
the other hand, totaled 1,430.
Clients all over the country continue
to experience BDO’s trademark
banking ambience and convenience
wherever and whenever they visit
a BDO branch. The same look and
feel was achieved with continuous
renovation of existing branches. BDO
refined branches to blend into the
market with extended banking hours
and days. The branches inside the SM
malls, for instance, are open seven
days a week from 10 am to 7pm. These
efforts provided accessibility and
market penetration, which boosted
not only deposit
generation but
cross-selling
activities as well.
The Bank’s
offshore branch
in Hong Kong
likewise posted
noticeable growth
in its current and
Branches
ATMs
726
1,430
We find ways
12
(AUM) by 25 percent to P570 billion
in 2010, an unprecedented high in the
Philippine trust industry.
The growth was driven mainly by
the strong performance of the Bank’s
ready-made products or the so-called
Unit Investment Trust Funds (UITFs).
It regards the UITFs as essential
components of its trust business as
they respond to the investment needs
of various investors, from retail clients
to corporate market. The BDO UITFs
ended the year leading the industry
with a total net asset value (NAV) of
P61 billion, 46 percent higher than 2009
NAV of P42 billion.
For the customized portfolios
targeted for medium and high net
worth clients, the Bank’s offering
includes long-term tax-exempt
portfolios such as BDO Long Term
Investment Management Account and
BDO Wealth Planner and short-term
portfolios such as BDO Wealth Builder
and BDO Investment Management
Account. In the institutional business,
the Bank is the Trustee or Fund
Manager of the corporate, retirement
and investment funds of multinational
and domestic corporations, as well as
among the top five Best Performing
Government Securities (GS) Eligible
Dealer in the Primary Markets given
by the Bureau of Treasury and the
award as one of the top five Best Fixed
Income Dealing Participants from
the Philippine Dealing & Exchange
Corp (PDex). In foreign exchange, the
group remains to be one of the most
active participants in the Philippine
Dealing System (PDS) market, even
outperforming its peers from the
world’s global banks. New York-based
financial magazine Global Finance
substantiated that status when it
recognized BDO as one of the World’s
Best Foreign Exchange Providers for
2010.
The Bank is fully committed to
maintain its leadership in the local
foreign exchange and fixed income
markets, augmenting its focus on
creating innovative product and service
initiatives that will serve the interests of
the clients.
SERVICE-BASED ACTIVITIES
Trust and Investments. BDO grew its
consolidated assets under management
Review of 2010 Operations
the “top-of-mind provider of third party
fiduciary services” acting as Facility
Agent, Onshore Collateral Trustee,
Receiving Bank and Paying Agent for
all types of debt and equity originations.
A product called the BDO Easy
Investment Plan (EIP) was launched
in 2010, which allows an investor to
attain his financial goals and financial
wellness through the twin habits of
regularly saving and investing. It
incorporates the best, tried and tested
principles such as peso cost averaging
that make a successful saving and
investment plan and provides a solution
to counter the major obstacles to saving
and investing.
BDO expects its trust business to
continue growing in 2011, given the
much-improved economic outlook,
formidable line-up of products, and the
staunch sales and service culture of its
personnel.
Private Banking. BDO, through its
wealth management arm BDO Private
Bank, made a stellar performance
in 2010, posting increases in both
volume and income. Its net income
grew 53 percent while assets under
management were up 29 percent.
A recipient of various citations
mostly from foreign financial
institutions, BDO Private Bank is
now considered the Private Bank
of choice by many domestic private
banking customers, giving value-
added investment, financial and
assets under management
25%
2010 Annual Report
13
(IPOs) were successfully listed at the
Philippine Stock Exchange, while
several big-ticket stock rights issues
were also offered to the market
majority of which were managed and
underwritten by BDO Capital, including
that for SM Development Corp., First
Gen Corp., Semirara Coal Corp., and
Interport Resources Corp.
BDO Capital continues to be
at the forefront of the Philippine
investment banking industry receiving
several accolades from international
publications in 2010: Best Investment
House in the Philippines, Best Equity
House in the Philippines and Best
Bond House in the Philippines by
FinanceAsia; Best Equity House in the
Philippines and Best Debt House in
BDO Capital and Investment Corp.
remained among the top players in the
debt capital market raising P243 billion
(US$5.4 billion) in corporate notes/
loans and corporate/government bonds
combined.
Among the biggest debt transactions
lead arranged by BDO Capital include
the notes issues of GNPower Mariveles
Coal Plant Ltd. Co. (awarded as 2010
Power Deal of the Year for Asia-Pacific
by Project Finance International
Magazine), PMFTC, Inc., SEM-Calaca
Power Corp., SM Development Corp.,
and First Gen Corporation. BDO
Capital also had key roles in the
Republic of the Philippines’ RTB issues
in line with the Bank’s thrust to support
various government initiatives.
With the successful national and local
elections and smooth
transition of power
in 2010, the equities
market has started to
show signs of renewed
vigor. Virtually absent
in 2009, a number of
initial public offerings
estate advisory services to the
emerging affluent and high net-worth
clientele.
Its main task is to provide its target
market with high value and appropriate
investment products through an open
architecture framework coupled with
bespoke or custom-made structures
to address clients’ needs to grow,
consolidate, protect and distribute their
wealth. For three consecutive years,
it was named Best Local Private bank
in the Philippines by Euromoney, Best
Private Wealth Management House in
the Philippines by Alpha Southeast Asia,
and cited also as the Best Private Bank
in the Philippines for the same period
by FinanceAsia. In 2009, The Asset
awarded BDO Private Bank the Best
Private Wealth Management House in
the Philippines, and Best Private Bank
in the Philippines in 2010.
Investment Banking. While 2009
was dominated by corporate bonds
issuances, 2010 was the year for
corporate notes and loans issuances.
BDO’s investment banking subsidiary
Mariveles Coal Plant Ltd. Co.
US$ 227M Senior SecuredOn-Shore Term Loan Facility
Php 38.8B Retail Bonds Php 10B Fixed RateRetail Bonds
GNPower
Mandated Lead Arrangerand Lead Underwriter
Joint Lead Manager Issue Manager andLead Underwriter
We find ways
14
Review of 2010 Operations
the Philippines by Asiamoney; Best
Domestic Investment Bank in the
Philippines and Best Equity House in
the Philippines by The Asset; and Best
Investment Bank in the Philippines and
Best Bond House in the Philippines by
Alpha Southeast Asia.
Transaction Banking. BDO’s
transaction banking registered a
21-percent jump in income at the end
of 2010 on the back of sustained strong
performance of its cash management
and electronic banking services.
The Bank’s cash management
service solidified its position as one of
BDO’s primary growth contributors.
E-banking likewise yielded positive
results. A strong focus on corporate
clients’ acquisition resulted in an
increase in the number of won deals
while yearlong marketing programs
translated to a substantial growth in
bills payment transaction value.
Significant progress was attained
in system upgrades and product
enhancements as the Bank recognized
the need to continuously adopt with
evolving market trends.
Remittance. The OFW market is
an integral part of BDO’s remittance
business. The continued trust of the
many OFWs around the globe on the
Bank’s brand of remittance service was
once again proven in both the number
of remittance transactions and volume
(in US dollars) it booked in 2010.
Key to BDO’s commendable
performance was the success of
the Easy Asenso, Instant Panalo, a
yearlong program that encouraged
OFWs and their beneficiaries to open
an Asenso Kabayan Savings Account.
The campaign proved highly effective
in generating new account holders and
building a steadily expanding low-cost
deposit base.
BDO has a strong network of
remittance offices, partners and
agent locations in Asia, Europe,
Middle East and North America.
Its wide international presence
is complemented by its domestic
coverage, which to date, features
nearly 3,000 remittance payout
locations and serving more cash
pick-up remittance clients nationwide.
It also sealed partnerships with SM
and various rural banks and financial
services institutions, providing
additional remittance channels
throughout the country.
Looking ahead, BDO will continue to
anchor its performance on the healthy
prospects expected for the remittance
market. It will strive to serve a wider
range of customers through consistent
remittance
payment locations
nationwide
3,000BDO has nearly
2010 Annual Report
15
service quality and a stronger
remittance network.
Insurance (Brokerage and
Bancassurance). The Bank’s insurance
business generated 46 percent growth
in premiums, while commission income
grew 32 percent at the end of 2010, as it
was able to seal insurance contracts for
major corporate clients.
RISK MANAGEMENT
Like other corporations, BDO employs
a rigid risk management plan to
optimize the risk-reward balance
and maximize return on capital
through smart and proactive risk
management. It verifies what risks exist
in an investment and then handling
those consequences in a way best
appropriate to investment objectives.
Credit Risk Management. In 2010,
the Bank’s credit risk management
(CRM) continued to provide vital
support to the lending units through
comprehensive credit risk assessment
and meaningful credit policies in
keeping with BDO’s business policy
of maintaining and improving asset
quality while growing the loan
portfolio. CRM provided critical
assessment of various project
finance endeavors involving large
infrastructure deals that help lending
units in structuring appropriate
financing packages for these projects.
The lending processes particularly
in the grant of small business loans
were likewise streamlined via the
development of a scorecard and
credit policy initiatives involving the
delegation of authority. These efforts
effectively shortened the turnaround
time without relaxing on credit
assessment and quality standards.
The Bank successfully streamlined
the organizational structure in the
area of remedial management and
asset recovery, becoming more
responsive to the needs of the business.
Likewise, it was able to reduce Non-
Performing Loans by about P3.2 billion
through collections, restructuring,
and settlements through dacion or
foreclosures.
BDO also leveraged on the newly-
developed credit scoring models for the
unsecured consumer lending business
to improve portfolio quality and
increase profitability. A credit-scoring
model was also adopted in the area
of collection management to optimize
collection strategies and improve
collection efficiency.
Asset Management. Notwithstanding
the tapered appetite on property
acquisition that normally happens
during an election year, the Bank
still managed to achieve decent
results from the sale of foreclosed or
unproductive real estate assets worth
P1.7 billion at the end of 2010. Chattel
sales experienced a banner year
having substantially exceeded 2009’s
performance, while leases likewise
ended on a positive note. BDO expects
to improve sales performance in 2011,
as it continues to raise brokers base on
a nationwide scale duly complemented
by a cost efficient and innovative
marketing campaigns.
SERVICE AND SUPPORT INITIATIVES
Investor Relations and Corporate
Planning. In 2010, the Bank’s IR
and Corplan participated in various
international conferences to update
institutional investors on the Bank’s
financial performance, strategic
imperatives, and latest developments.
The IR effort, led by BDO president
Nestor V. Tan, presented and met with
almost a hundred investment and asset
management firms in four investor
conferences in Singapore, Hong Kong,
London, and New York. In addition,
the IR team presented in a Special
We find ways
16
Review of 2010 Operations
Market Briefing organized by a local
stock brokerage firm for domestic
institutional and retail investors. The
team also met with visiting investors
and analysts in numerous domestic
meetings.
In support of the Bank’s medium-
term growth objectives and initiatives
to strengthen its capital and funding
base, the IR team held one-on-one
and global conference calls for the
Bank’s US$250 million capital-raising
from the IFC (International Finance
Corporation) and other key institutional
foreign investors in April, as well as
the issuance of US dollar-denominated
senior notes in October 2010 that raised
US$300 million. The Senior Debt issue,
with a coupon rate of 3.875%, was
by far the largest international debt
offering by the Bank and the lowest
coupon rate ever for a US dollar-
denominated fixed rate Philippine bank
or corporate issue, signifying BDO’s
successful return to the international
debt market since 2003.
Central Operations. BDO carried
out various procedures aimed at
continuously improving customer
service orientation and operational
efficiency. These efforts, among others,
include streamlining of procedures;
designing of productivity tools on
computer desktops; and automating
manual processes. Around 200 offices
located in the BDO Corporate Center
and branches were also built or
renovated.
Information Technology. The Bank’s
security, infrastructure, and disaster
preparedness were enhanced in 2010.
Improvements were made at the
Makati data center to provide capacity
for new systems, as well as the data
center’s ability to withstand outages.
Network and computer upgrades and
security updates also continued even
as the office and the branch network
expanded. Disaster preparedness
exercises were carried out for critical
systems to raise awareness.
BDO also completed the upgrade
to new version of its ATM switch and
credit card host system; made new
servers acquisition and database
software upgrade for various systems;
install systems support for new
products and services such as credit
cards, bills purchase online monitoring
and bills payment, among others.
Moving forward, the Bank
anticipates major challenge in ensuring
that all systems keep up with the
continuing business expansion. The
major constraint remains manpower
availability. And to address such
issue, the Bank would come up with
2010 Annual Report
17
recruitment and retention programs to
attract IT professionals to work at BDO.
Human Resources. The challenges
encountered by the Bank in 2010
redefined its capability towards a more
responsive attraction and retention
of human capital. Strengthening of
basic HR infrastructure led to the
revitalization of the individual Key
Result Areas as levers to drive a highly
performing organization. Foresight
review of team structures, work
processes, and operating systems
across HR units were initiated with the
vision of the emerging demands of a
continuously growing organization.
With a serious outlook on leadership
bench strength, training programs on
people management and core values
branding were launched at targeted
levels. Business technical trainings are
retained in the agenda to continuously
raise competency level that matches
business dynamism. Provincial rollout
of corporate image sessions was
conducted to reflect a dedicated goal
to uphold the professional impression
from our external customers.
For 2011, the Bank would continue
to monitor opportunities for process
improvements and resource efficiencies
to be in step with the business
requirements and attain that level
of strategic partnership within the
organization.
Corporate Marketing. With the
execution of impressive concepts for its
institutional advertising program, BDO
has once again generated significant
gains in image and branding genres.
The “We Find Ways” persona continues
to take the Bank into new highs as
indicated by the many achievements it
garnered in 2010.
Complementing these efforts is BDO
Rewards, the Bank’s corporate rewards
program that is unique in the banking
industry. Its directional thrust for 2010
was to leverage on the loyalty
program as a potent tool for
incremental business generation.
This focus led to marketing
initiatives giving significant
results in terms of acquisition
and organic growth from
existing depositors
and conversion of
payment behavior to
BDO’s electronic
bills payment
channels.
By far, BDO
Rewards remains to
be the only enterprise-
wide loyalty program in the
banking industry.
We find ways
18
Best Emerging Market
Bank in the Philippines
Accolades
Best Bank in the
Philippines
Platinum Award for All-Round
Excellence in Financial Performance,
Management Corporate Governance,
Social Responsibility, Environmental
Responsibility, and Investor Relations
Top Bank in the Philippines
Among the Top 10 Companies in the
Philippines Asia 200, Wall Street Journal
Asia 200 Survey
Recipient of the Corporate Governance
Asia Annual Recognition Awards
Trusted Brand Gold Winner
- Bank Category
KPMG Executive Leadership
Team of the Year Award
“As we continue to
focus on building
quality business, we are
humbled by the citations
given to us by the
various institutions here
and abroad. We take
pride in what we do and
we will always try our
best to serve the needs
of our clients the best
way possible.”
Institutional Awards
2010 Annual Report
19
PHILIPPINE DEALING SYSTEM
Achievement Award for Trade Finance in the
Philippines
Best Foreign Exchange Bank in the Philippines
Philippines
Credit Classic
Credit Classic
No. 1 Merchant Acquirer in the Philippines
Rising Star Cash Management Bank in the
Philippines
Top Commercial Bank on Overseas Filipino
Remittances
Trusted Brand Gold Winner
Credit Card Category
Philippines
in the Philippines
Philippines
Best Investment Bank in the
Philippines
Best Local Private Bank in the
Philippines
Best Private Wealth Management Bank in
the Philippines
Best Private Bank in the
Philippines
Product Awards
We find ways
20
Corporate Governance
BOARD OF DIRECTORS
The Board of Directors and its advisers
are professionals from various fields
of expertise such as banking, legal
accounting, merchandise marketing,
regulatory agencies and development
finance/international lending. BDO has
two directors who are independent
of management and free from any
business or other relationship which
could reasonably be perceived to
materially interfere with their exercise of
independent judgment in carrying out
their responsibilities as directors in the
company.
BOARD COMMITTEES
The Board has established seven
committees to assist it in shaping the
Bank’s corporate policies and practices,
and help ensure adherence to corporate
governance principles.
Executive Committee
Chairman: Teresita T. Sy
Members: Nestor V. Tan; Jesus A.
Jacinto, Jr.; Josefina N. Tan; Antonio N.
Cotoco; and Evelyn L. Villanueva
The Executive Committee acts on
behalf of the Board of Directors on
matters affecting the operations of
the Bank subject to such authorities
that may be imposed by the Board of
Directors. The committee, which meets
at least once a week, also assesses
the viability of credit and investment
proposals giving due consideration to
the credit risk involved and impact on
the Bank’s financials. Likewise, it has
the authority to approve within set
limits projects or such other initiatives
for enhancing the Bank’s operating and
service delivery capabilities.
Board Audit Committee
Chairman: Teodoro B. Montecillo
(Independent)
Members: Corazon S. de la Paz-
Bernardo; Henry T. Sy, Jr.; Jimmy T.
Tang (Independent); and Christopher A.
Bell-Knight (member up to September
25, 2010)
Adviser: Shirley M. Sangalang
The Board Audit Committee provides
oversight of the Bank’s financial
reporting and control as well as
its internal and external audit and
compliance functions. It reviews and
assesses the Bank’s annual audit plan,
its system of internal controls and
regular financial and audit reports.
It evaluates strategic issues relating
to plans and policies, financial and
system controls, and methods of
operation, seeing to their adequacy and
pinpointing possible improvements.
As a continuing practice, the
following were extensively discussed
and consistently reviewed:
• the scope and plan of internal and external audit;
• signiicant audit indings including risk assessment and
evaluation of internal controls;
• internal audit progress report and monitoring of resolution findings;
• report on compliance with regulatory bodies and
management’s corresponding
action;
• internal audit’s manpower resources as well as its staff
proficiency improvement
programs;
• annual audited inancial statements and the analysis of
quarterly results of operations;
• new legal and regulatory initiatives affecting the banking
industry and its impact on the
Bank’s operations; and
• adherence to the Bank’s Compliance Programs as required
by the Bangko Sentral ng
Pilipinas (BSP)
The committee, which meets at least
once a month, held 12 meetings in
2010. In addition, a special meeting on
“Sharing Best Practices” among all the
Board Audit Committees of BDO and
its subsidiaries was held on December
7, 2010.
Compensation Committee
Chairman: Teresita T. Sy
Members: Corazon S. de la Paz-
Bernardo; Josefina N. Tan;
and Teodoro B. Montecillo
(Independent)
The Compensation Committee
provides oversight on directors’
compensation and remuneration of
senior management and other key
personnel, ensuring consistency of the
compensation policies and practices
with the corporate culture and strategy
of the Bank as well as industry
practices. The committee meets at least
once annually.
Our PhilosophyAs a publicly listed company, BDO believes that the key to long-term sustainability and success largely depends on having a good name and solid reputation in the market place. To achieve that, it is imperative that we set high standards of ethical values, transparency, accountability and fairness in all our business transactions. We adhere to corporate governance because the interests of our shareholders, customers, employees, government and the public at large are on top of our priorities.
2010 Annual Report
21
Corporate Governance Committee
Chairman: Teodoro B. Montecillo
(Independent)
Members: Jesus A. Jacinto, Jr.; Jimmy
T. Tang (Independent); Antonio C. Pacis;
and Christopher A. Bell-Knight (member
up to September 25, 2010)
The Committee reviews and assesses
the Bank’s corporate governance
practices, and recommends the
applicable guidelines, monitors
compliance, and suggests
improvements to ensure effectiveness.
It provides oversight on the annual
performance self-evaluation of the
Board, its committees, and executive
management.
In 2010, the Committee accomplished
the following:
• updated and enhanced BDO’s Corporate Governance Manual,
a guide for the Bank’s business
and operations to be conducted
in accordance with the principles
and best practices of good
corporate governance.
• improved the disclosures of the Bank’s Corporate Governance
policies and practices using the
Scorecards of the Bangko Sentral
ng Pilipinas (BSP), Securities and
Exchange Commission (SEC) and
Institute of Corporate Directors
(ICD) Corporate Governance as
reference.
• conducted the annual performance evaluation of the
board, its committees and senior
management in compliance with
BSP Circular Nos. 456 and 592, as
well as with SEC Memorandum
Circular No. 2, Series of 2002.
The Committee, which meets four
times a year, conducted four meetings
in 2010.
Nominations Committee
Chairman: Henry T. Sy, Jr.
Members: Josefina N. Tan;
and Jimmy T. Tang (Independent)
The Nominations Committee, which
meets at least once a year, provides
oversight on the qualifications of all
nominees to the Board of Directors as
well as appointments to other Bank
positions requiring Board approval.
It recommends the nominees for
election to the Board of Directors of the
Bank during the annual stockholders’
meeting. In case of vacancy/ies in the
Board, the Committee seeks qualified
nominees and recommends them to the
Board for appointment. The Committee
held two meetings in 2010.
Risk Management Committee
Chairman: Nestor V. Tan
Members: Teodoro B. Montecillo
(Independent) and Christopher A.
Bell-Knight (member up to
September 25, 2010)
Adviser: Jesus G. Tirona
The Risk Management Committee is
responsible for policy development
and oversight of the Bank’s credit,
market and operating risk exposures.
It oversees the system of limits of
discretionary authority delegated by the
Board to management, ensuring that
the limits are observed and breaches,
if any, are immediately corrected.
It establishes the framework for
reporting risk to the Board including
the assessment of the probability and
potential impact of each identified risk
exposure to the Bank. Considering the
importance of credit risk, the Executive
Committee approves counter-party
credit risk under the guidance of
established policies, procedures, and
guidelines set by the Risk Management
Committee.
The Committee meets at least once a
month and held 11 meetings in 2010.
Trust Committee
Chairman: Josefina N. Tan
Members: Teresita T. Sy; Nestor V. Tan;
Antonio C. Pacis; and Ador A. Abrogena
The Trust Committee, acting within
the limits set by the Board of
Directors, is authorized to review
and approve transactions between
the Trust and Investments Group
and fiduciary accounts, to accept and
close trust accounts, and to approve
the investment, reinvestment, and
disposition of funds or property. It
also evaluates trust accounts at least
once a year to determine compliance
with the instrument creating the trust
relationship, as well as the advisability
of retaining or disposing the trust
assets.
The Committee meets at least once
a month. It conducted 13 meetings in
2010.
CODE OF BUSINESS
CONDUCT & ETHICS
The Bank’s officers and staff adhere to
the appropriate standards of behavior
in the workplace, dealings with
clients and other stakeholders, the
proper handling and dissemination
of corporate information, as well as
the proper observance of regulatory
policies as embodied in the Bank’s
Employee Code of Conduct.
Related Party Transactions
The Bank, in compliance with
legal and regulatory requirements,
maintains transparency of related
party transactions between and
among the Bank and its subsidiaries,
affiliated companies, directors, officers,
stockholders, related interests (DOSRI),
and joint ventures.
Dealings with Suppliers, Clients
and Business Partners
BDO employs high ethical standards
in its business dealings to ensure the
integrity of its employees and the
organization. The Bank does not allow
the acceptance, directly or indirectly,
of any gift, gratuity, favor, loan or any
item having monetary value or any
other form of compensation from
business partners, clients, suppliers and
other third party service providers in
connection with a service that may, in
any way, influence employees’ decision-
making.
We find ways
22
Corporate Governance
RISK MANAGEMENT
BDO constantly seeks to improve the
maturity, robustness and relevance of
its risk management framework and to
promote enhanced risk management
discipline across all its businesses
and supporting functions. Given its
size and scale, BDO faces varying
and significant risks thus the need
to ensure that potential risks are
monitored, assessed and managed at
the appropriate level.
The Bank’s comprehensive credit
risk assessment and meaningful credit
policies allowed it to support various
project finance endeavors and small
business loans. It also streamlined
its lending processes through the
development of a scorecard and
credit policy initiatives, involving
the delegation of authority to reduce
processing time without compromising
credit assessment and quality
standards.
The Bank ensures that there is
proactive management of risks arising
from volatility in the financial markets
using methodologies based on best
market practices, which have been
subjected to third party validation.
It is also focused on compliance and
risk efforts in anticipation of possible
changes in prudential, supervisory and
regulatory framework resulting from
Basel 3.
It continues to practice prudence in
its investments and actively monitors
and regularly reviews related counter-
party credit risks and country risks.
The Bank’s operational risk
management is a dynamic process that
continues to be driven at the business
line level under strict guidelines and
reporting mechanisms. It ensured more
proactive management to its identified
operational risks with the continued
implementation of its risk assessment
processes.
In addition, operational risks arising
from health, safety and environmental
issues are appropriately managed
through policies and measures that
were integrated into the Bank’s day-to-
day operations.
The Bank established the Social
and Environmental Management
Systems (SEMS) Policy that will
ensure environmental and social
consciousness. This entailed the
assessment and categorization of
the environmental impact of the
Bank’s operations, and the proper
monitoring and compliance to local and
international environmental standards.
(A detailed information on SEMS is
found in the CSR section of the Annual
Report.)
ACCOUNTABILITY &
COMPLIANCE
The Board and Management adhere to
the corporate governance principles
of accountability and compliance in
performing their legal obligations
and managing of financial reporting,
operational, and regulatory risks.
Internal Audit
The Bank’s Internal Audit Division
(IAD), under the direct supervision
of the Audit Committee, provides
independent, objective assurance and
consulting services designed to add
value and help improve the Bank’s
Internal Control Processes, such as
Financial Reporting, Information
Technology and Security, Operational
Controls, and to highlight the areas for
enhancing Operational Efficiency.
External Audit
On May 28, 2010, the stockholders
approved the re-appointment of
Punongbayan & Araullo, as external
auditor of BDO for the year 2010. The
Bank is compliant with the rotation
requirement of its external auditor’s
certifying partner as required under the
Securities Regulation Code (SRC) Rule
68 (3)(b)(iv).
Compliance
The Bank’s Compliance Office assists
senior management in managing
effectively the compliance risks
confronted by the Bank. Reporting
directly to the Board Audit Committee,
it oversees and coordinates the
implementation of the Bank’s
compliance program. This includes
the identification, monitoring and
controlling of compliance risk for the
whole Unibank including Hong Kong
Branch and its subsidiaries.
The Bank’s Compliance Office
updated the Bank’s Compliance
Program as required under BSP MORB
X180.1 and this was approved by the
Board on January 30, 2010.
Anti-Money Laundering Unit
The Anti-Money Laundering Unit
(AMLU), which reports directly to the
2010 Annual Report
23
Board Audit Committee, handles the
administration of the Bank’s compliance
with the Anti-Money Laundering Act
(AMLA) and its implementing rules and
regulations, monitoring of transactions
and conduct of AML training. It also
provides oversight to the Bank’s
subsidiaries and Hong Kong Branch on
their compliance with AML rules and
regulations.
STAKEHOLDERS’ INTERESTS
Investor Relations
The Bank observes best practices
and compliance in transparency and
information disclosure through active
communication and interaction with
investors and analysts in both the
equities and fixed income fields. It
participates in international investor
conferences as well as parent firm SM
Investments Corporation’s (SMIC)
quarterly briefings to keep investors,
analysts and the press appraised on
the Bank’s operations and other recent
developments.
Employee Programs
BDO’s commitment to good corporate
governance was evident in 2010
through the continuing training and
development of BDO employees from
new hirees, regular officers and staff, to
senior management and the Board of
Directors. Training programs covered
management development programs,
product orientations, compliance
training such as updates on Anti Money
Laundering (AML) and Corporate
Governance and behavioral courses.
The Board of Directors and Advisers
of the Bank and its subsidiaries and
selected senior management have
attended the seminar on Corporate
Governance. Among them are three (3)
Institute of Corporate Directors (ICD)
fellows, namely, Director Teodoro B.
Montecillo and Advisers Christopher A.
Bell-Knight and Jesus G. Tirona.
Customer Satisfaction Program
To determine customers’ satisfaction
and commitment level to BDO’s branch
banking, a Customer Satisfaction Survey
has been conducted in 2010 with above
average nationwide satisfaction ratings
for the Bank’s branch network. Other
customer-related surveys conducted
in 2010, which also showed above
average ratings, covered the Phone
Banking, Mobile Banking, Auto and
Home Loan (Retail and Wholesale) and
UITF. These surveys were part of the
customer service quality monitoring
programs since 2008 to solicit the top-
of-mind satisfaction levels of the Bank’s
customers.
REPORTING AND
TRANSPARENCY
Financial Reporting
The financial statements of BDO
Unibank Group and the financial
statements of the Parent Bank are
prepared in accordance with the
Financial Reporting Standards in the
Philippines (FRSP) for banks.
The financial statements are
presented in accordance with
Philippine Accounting Standards
(PAS) 1 (Revised 2007), Presentation
of Financial Statements. The BDO
Unibank Group presents the statement
of comprehensive income in two
statements: Statement of Income and
Statement of Comprehensive Income.
Two comparative periods are presented
for the statement of financial position
when BDO Unibank Group applies
an accounting policy retrospectively,
makes retrospective restatement
of items in its financial statements,
or reclassifies items in the financial
statements.
Public Disclosures
The Bank is committed at all times to
fully disclose all material information
and other information required to be
presented by regulatory requirements
through its annual report and website
www.bdo.com.ph. (under “About Us/
Investor Relations”).
We find ways
24
Nurturing Community with Commitment
Corporate Social Responsibility
• Donation of houses and lots
situated inside Lexber Homes,
a fully-developed subdivision
owned by the Bank to the Local
Government Unit of Calumpit,
Bulacan, in partnership with the
Catholic Relief Service (CRS-
USA) and the Roman Catholic
Bishop of Malolos, Inc. (Diocese).
The CRS-USA, an international
humanitarian agency, provided
the funds for the repairs
of the houses through the
Diocese of Malolos as its
implementing partner while the
local government of Calumpit
improved the site for the benefit
of typhoon victims and families
that needed to be relocated
from the danger zones. Values
HIGHLIGHTS:
formation are being conducted
in partnership with ANCOP-CFC
Tekton Foundation. Day care
and livelihood centers were also
renovated through the help of
BDO is an institution not only committed to providing efficient products and services to clients, but is also involved in various efforts to help alleviate the lives of the underprivileged and conserve the environment as well.
BDO Foundation, Inc.
The Bank, seeing itself as part of a larger community and addressing in its own capacity the inequities that exist in the society,
implemented programs focused on shelter, practical education, livelihood and environment conservation through its socio-
civic arm, the BDO Foundation.
2010 Annual Report
25
BDO community builders and
fund raisers who furnished the
centers and painted the mural.
Total project cost reached about
P20 million. It was turned over
to the beneficiaries in October
2010.
• Donation of two parcels of
land with a total area of almost
8,500 square meters Bank
property along the highway in
Baliwag, Bulacan which will be
transformed into a resettlement
site where 105 transitory
houses will be built. This
project is in partnership with
the International Federation
of the Red Cross and the Red
Crescent Societies (IFRC)
through Philippine Red Cross
(PRC) and the local government
unit of Baliwag. Project cost is
estimated at P16.5 million upon
completion.
• Construction of the irst BDO
Volunteer Multi-purpose Hall
for the homeowners of
D’ Dreamland Ville, located
in the first BDO Foundation-
Gawad Kalinga Community.
Funding came from the
generous donations of the
Bank’s staff, officers and board
members. BDO Volunteers
helped in the painting of the hall
which was turned over to the
community in August 2010.
• A lecture series through
the BDO Speakers Bureau
on Accounting for Non-
Accountants and Financial
Literacy Program for both
CARD-MRI, a micro-finance
institution, and Save the
Children Foundation, was
conducted addressing the
personal
financial
education needs
of low-income
and vulnerable
groups of our
society. In 2010
alone, volunteers
rendered 98
hours through
this capacity
building
initiative.
• A series of talks through the BDO
Skills Trainers on Personality
Development were initiated to
teach account officers working
with the MFIs on good grooming
and professionalism as they go
about with their work in reaching
the unbanked and underserved
segments of the population.
• It also launched in 2010 the Share
Gift Check project that provided
the Bank’s clients, suppliers and
employees an opportunity to create
social value while doing business.
The project has raised P3.265
million (as of end February 2011)
with the following advocacies
chosen by donors:
• Education 35%
• Health 27%
• Shelter 16%
In partnership with the SM
Foundation, the funds will also be
channeled to the building of a public
school in Mindanao, and a public
health facility, as well as support
BDO Foundation shelter program.
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schools in Luzon, Visayas and
Mindanao for a vegetable
awareness and planting
program. Volunteers will be
working with public school
children in planting vegetables
in their school grounds to
fight hunger and malnutrition
especially in the countryside.
Corporate Social Responsibility
GO GREEN
For 2011, the Foundation is
expected to accomplish the
following:
• Construction of 105 transitory
houses at Starville III in Baliwag,
Bulacan for delivery by the
third quarter of the year. Start
of the second phase of the BDO
Foundation-GK Community in
D’ Dreamland Ville, San Jose del
Monte City, Bulacan where 21
homes are targeted for turnover
by June 2011.
• Development of the second
BDO Volunteer Multi-purpose
Hall in Starville III in Baliwag,
Bulacan from the BDO family’s
continuous fund raising activities.
• A seminar on “Kuryentipid” giving tips on effective
savings of electricity was
conducted for employees.
• Simultaneous ilm showings of “Project Noel” in Cebu
and Davao for employees,
clients and friends on water
conservation.
• The planting of 300 mahogany trees seedlings
at the Paradise Ranch
at the hills of Clark Air
Base in Pampanga where
BDO Foundation earned
a “Friends of the Forest”
marker.
Energy Conservation
BDO has adopted environment-
friendly and cost-saving solutions to
power consumption in the country.
The Bank updated all its signage
installations and became the first
bank in the Philippines to use Light
Emitting Diode (LED) lights in all its
branches and building signages.
The switch from conventional
fluorescent bulb to LED lights,
which was made for both economic
and environmental objectives, has
resulted to reduction of expenses in
lighting signages and reduction of
emission of carbon dioxide in the
generating plant due to the lower
electric power demand to light up
the signages.
Before the end of 2010, BDO introduced the “Go Green Program” to raise awareness on environmental issues, promote good environmental practices in the workplace and mobilize volunteers for conservation initiatives. Among the activities conducted were:
• The building of the second
BDO Foundation Micro-
Finance Center in Tagum,
Davao City initially through
the donation of a property
to CARD-MRI Development
Institute. This structure
will serve as the training
center for people involved
in micro-finance. It will
also be the venue where
livelihood skills will be taught
to the marginalized sector in the
area.
• Future participation in the
program “Oh, My Gulay”
of Senator Angara and the
Department of Education, where
the BDO Foundation will adopt
2010 Annual Report
27
Fire Extinguishing Agent
In compliance to PD 1185 – Fire Code
of the Philippines, replacing the fire
extinguishing agent halon, an ozone
depleting substance, the Bank now uses
hydrochlorofluorocarbon (HCFC) 123,
which evaporates easily and is a cleaner
agent that is safer for both humans and
the environment.
Social Environmental Management
Systems
The Board of Directors of BDO
approved last April 2010 the
establishment of a Social &
Environmental Management Systems
Policy (SEMS Policy). The BDO
Environmental and Social Policy will
ensure that environmental and social
consciousness are incorporated in
the day-to-day operations of the Bank
for the benefit of all its stakeholders,
employees, and the community in
which it operates.
This policy mainly entails the
categorization of all corporate
borrowing accounts according to
their social & environmental impact.
Aside from this, it also has a provision
that will limit the Bank’s exposure
to certain industries that have an
adverse effect on human lives and the
environment such as the manufacture
and recycling of hazardous chemicals,
ammunitions, etc. Depending on the
risk categorization, various monitoring
and reportorial procedures will be
implemented to ensure that identified
environmental and social issues
concerning borrowing clients are
addressed.
Did you know that an
acre of trees could
remove 2.6 tons of
carbon dioxide per year?
Solid Waste Disposal
For the Bank’s good practice
on Solid Waste Management,
specifically, “Segregation”, it was
awarded the Candidate Master
Award, a major category in the Zero
Basura Olympics (ZBO) for Business
2010 sponsored by the Philippine
Business for the Environment,
Earth Day Network Philippines, Inc.,
National Solid Waste Management
Commission and the Department
of Energy and Natural Resources.
Zero Basura Olympics is an
advocacy campaign toward a zero-
waste Philippines using a creative
way to implement Republic Act
9003, also known as the Ecological
Solid Waste Management Act of
2000.
Hazardous Solid Waste Disposal
BDO transacts only with DENR-
accredited contractors that practice
DENR approved procedures to
dispose Data Linear Tape Open
(DLTO) cartridges, fluorescent tubes
and used oil, thereby ensuring
no harmful elements affect the
environment.
Air Conditioning System
In support of RA 8749 – Philippine
Clean Air Act of 1999 which is
being implemented to protect the
ozone layer, BDO uses for its new
buildings the ozone friendly 410a
refrigerant.
BDO continues to support Green
initiatives across the workforce
taking environment conservation
seriously. In fact, it has launched
pocket activities that constantly
remind employees of the importance
of preserving mother earth and
encourages healthy activities
through its various sports programs
and running clinics.
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Board of Directors
Henry Sy, Sr.
Chairman Emeritus
Farida Khambata
Director
Teresita T. Sy
Chairman
Antonio C. Pacis
Director
Corazon S. de la Paz-Bernardo
Vice Chairman
Edmundo L. TanCorporate Secretary
Teodoro B. Montecillo
Independent Director
Jimmy T. Tang
Independent Director
Cheo Chai Hong
Director
2010 Annual Report
29
Jesus A. Jacinto, Jr.
Vice Chairman
Nestor V. Tan
President and Director
Josefina N. Tan
Director
Senen T. MendiolaAdviser
Christopher A. Bell-KnightAdviser
Washington Z. SycipAdviser
Alberto V. ReyesAdviser
Jesus G. TironaAdviser
Jose T. SioAdviser
Henry T. Sy, Jr.
Director
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30
TERESITA T. SY
60, Filipino, is the Chairperson of
BDO and was first elected to the
Board in 1977. Concurrently, she
serves as the Chairperson, Vice
Chairperson, and/or Director of
various subsidiaries and affiliates
of BDO such as BDO Private Bank,
Inc., BDO Leasing & Finance,
Inc., BDO Capital & Investment
Corporation, Equitable Card
Network, Inc., Strategic Property
Holdings, Inc., BDO Foundation,
Inc., Generali Pilipinas Holding
Company, Inc., Generali Pilipinas
Life Assurance Company, Inc., and
Generali Pilipinas Insurance Co.,
Inc. Ms. Sy is the Vice Chairperson
of SM Investments Corporation.
She also sits as Chairperson, Vice
Chairperson and/or Director of
such companies as SM Prime
Holdings, Inc., Multi-Realty
Development Corporation, SM
Land, Inc., Supervalue, Inc., SM
Mart, Inc., SM Retail, Inc., Super
Shopping Market, Inc., Pilipinas
Makro, Inc., and First Asia Realty
Development Corp. A graduate of
Assumption College, she brings
to the Board her varied expertise
in banking and finance, retail
merchandising, mall and real estate
development.
CORAZON S. DE LA PAZ-
BERNARDO
70, Filipino, is currently the Vice
Chairperson of the Bank’s Board of
Directors. She is also a Director of
Equitable Card Network, Inc. and
Advisor to the Audit Committee
of PLDT. She was President of the
Social Security System and Vice
Chairman of the Social Security
Commission from 2001 to 2008.
She was also President of the
International Social Security
Association from 2004 to 2010.
She was Chairman and Senior
Partner of Joaquin Cunanan &
Co. (PricewaterhouseCoopers,
Philippines) from 1981 to 2001. She
served as Chairperson of Equitable
PCI Bank, Inc. from February 21,
2006 until its merger with Banco de
Oro Universal Bank. Ms. Bernardo
is also a member of the Board of
Trustees of the University of the
East, the UE Ramon Magsaysay
Memorial Medical Center, Miriam
College, MFI Foundation, Inc.,
Jaime V. Ongpin Foundation,
Inc., Laura Vicuña Foundation
for Street Children, Children’s
Hour and the Executive Council of
NAMFREL. She is past President
of the Philippine Institute of
Certified Public Accountants,
the Management Association
of the Philippines, the Financial
Executives Institute of the
Philippines, Inc., and the Philippine
Fulbright Scholars Association.
Other memberships include those
in the Makati Business Club, Inc.,
the Asia Society, the Association
of TOWNS Awardees, and the
Board of Advisors of Ramon V.
del Rosario, Sr. - AIM Center for
Corporate Social Responsibility.
JESUS A. JACINTO, JR.
63, Filipino, was elected Vice
Chairman of BDO in May 1996,
and is concurrently the Chairman
and President of BDO Insurance
Brokers, Inc. He also heads Jaces
Corp. as Chairman and President,
and Janil Realty, Inc. and JAJ
Realty, Inc., as President. He is
likewise Director of Bayer Phil.,
Inc. Formerly, he was Director
and Executive Vice President of
CityTrust Banking Corp., Director
of CityTrust Investments Phil. and
CityTrust Finance Corp., and Vice
President and Managing Partner of
Citibank N.A. He holds a bachelor’s
degree in Business Administration
from Fordham University in New
York City and MBA (International
Business) from Columbia
University, New York.
NESTOR V. TAN
53, Filipino, was elected President
of the Bank in July 1998. He is
concurrently the Vice Chairman
of BDO Capital & Investment
Corporation and BDO Private
Bank, Inc., Director of BDO Leasing
and Finance, Inc., BDO Insurance
Brokers, Inc., Equitable Card
Network, Inc., Strategic Property
Holdings, Inc., Generali Pilipinas
Life Assurance Company, Inc.,
Generali Pilipinas Insurance Co.,
Inc., BDO Remit (USA), Inc., and
SM Keppel Land, Inc., Chairman of
BDO Technology Center, Inc., EBC
Strategic Holdings Corporation,
and BDO Strategic Holdings, Inc.,
and Trustee of BDO Foundation,
Inc. He is also a Director of
Megalink, Inc. He was formerly
connected with the Mellon Bank in
Pittsburgh, PA, the Bankers Trust
Company in New York and the
Barclays Group in New York and
London. Prior to joining the Bank,
he was the Chief Operating Officer
Directors’ Profile
2010 Annual Report
31
for the Financial Institution Services
Group of BZW, the investment
banking subsidiary of the Barclays
Group. He holds a bachelor’s
degree in Commerce from De
La Salle University and received
his MBA from Wharton School,
University of Pennsylvania.
CHEO CHAI HONG
58, Singaporean, is a Director
of BDO. He currently sits as
Director of United Overseas Bank
Philippines (UOB Philippines)
and United Overseas Bank (Thai)
Public Company Limited. He is
Executive Vice President and
Head of Corporate Planning and
International Strategy Department
of UOB Singapore. He was formerly
the Executive Vice President of
Group Credit (Middle Market
& STCF) Department of UOB
Singapore. He holds an honor’s
degree in Business Administration
from the University of Singapore.
FARIDA KHAMBATA
62, Canadian, is a Director of
BDO. She is a founding partner of
Cartica Management, L.P., an asset
management company focused
exclusively on emerging markets.
Prior to joining Cartica, she was
IFC’s Regional Vice President
heading IFC’s Operations in East
Asia and the Pacific, South Asia,
Latin America and the Caribbean,
and the Middle East and North
Africa. She was responsible for the
Corporation’s strategy, financial
products, and advisory services
in member countries in these
regions. Previously, she served
as Vice President for Portfolio
and Risk Management, with
responsibility for the Corporation’s
portfolio (about $14 billion) and
risk management operations,
as well as for information
technology, controller’s and
financial reporting, budgeting and
back-office functions. Prior to be
being named Vice President, Mrs.
Khambata was Director of IFC’s
Treasury Department. She also held
positions such as Director, Division
Manager, and Senior Investment
Officer at IFC’s former Central
Capital Markets Department.
Mrs. Khambata transferred from
the World Bank to IFC in 1986.
She joined the World Bank as a
Young Professional, working later
as a Senior Pension Officer for
the World Bank Group’s Pension
Fund, and as a Senior Investment
Officer in the East Asia and Pacific
Region. Mrs. Khambata holds post-
graduate degrees in Economics
and Business Management from
Cambridge University and the
London Business School. A
Certified Financial Analyst, she has
also participated in the Executive
Development Program at Wharton
Business School.
ANTONIO C. PACIS
69, Filipino, currently serves
both the Bank and BDO Capital
& Investment Corporation as
a director. He has been in law
practice since 1967 counseling bank
and corporate clients in the areas
of regulatory, business, corporate
and trust law, and individuals in
the areas of family law and estate
plans. In the course of his practice,
he has served in various capacities
in companies upon invitation of
clients. He holds degrees from the
Ateneo de Manila University (AB),
from the Ateneo School of Law
(LLB) and from the Harvard Law
School (LLM).
HENRY T. SY, JR.
57, Filipino, is presently Director
of the Bank. He is also the Vice
Chairman of the Board of Directors
of SM Investments Corporation
(SMIC), SM Development
Corporation (SMDC), and Vice
Chairman & President of Highlands
Prime, Inc., SM Land, Inc., and
Director of SM Prime Holdings,
Inc. (SMPHI). He is likewise
the President of National Grid
Corporation of the Philippines
(NGCP). He is responsible for
the real estate acquisitions and
development activities of the
SM Group which include the
identification, evaluation, and
negotiation of potential sites as
well as the input of design ideas.
He graduated with a management
degree from De La Salle University.
He also holds board positions in
several companies within the SM
Group.
JOSEFINA N. TAN
65, Filipino, is presently Director
of the Bank and President of BDO
Private Bank, Inc. She is also Vice
Chairperson of Miriam College
and a Trustee in both Development
Center for Finance and Laura
Vicuña Foundation. She was a
Director of Banco de Oro Universal
We find ways
32
Bank from 2001 to August 2005. She
was also Executive Vice President
of the former Far East Bank &
Trust Co., Director and President
of FEB Leasing & Finance Corp.,
Executive Director and Trustee of
FEB Foundation, Inc., and Executive
Vice President of FEB Investments,
Inc. until 2000. She was a director
of Equitable PCI Bank, Inc. from
September 2005 until its merger
with the Bank in May 2007.
TEODORO B. MONTECILLO
76, Filipino, was first appointed
Independent Director in August
2004. He is also currently an
Independent Director of the
following: BDO Securities Corp.,
PDS Holdings Corp., Philippine
Dealing & Exchange Corp.,
Philippine Securities & Settlement
Corp., Philippine Depository & Trust
Corp., and Citibank Savings, Inc. He
was appointed by former President
Fidel V. Ramos as a member of the
Monetary Board of the Bangko
Sentral ng Pilipinas (BSP) from
1996 to 2002, and appointed by
former President Joseph Estrada
as Chairman of the Central Bank
Board of Liquidators from 1999
to 2002. He was an Advisor and
Consultant to Governor Rafael B.
Buenaventura from 2002 to 2004. In
addition, he held various positions
in areas of operations, credit and
external debt management in
Citibank, N.A. (Manila) and Citibank
Head Office (New York) from 1965
to 1996. He holds a bachelor of
science degree in Education from
University of the East, in Business
Administration from the University
of the Philippines, and received his
MBA from Northwestern University,
Chicago, USA.
JIMMY T. TANG
74, Filipino, has been an
Independent Director for BDO
since 1984. He is the President
and Chairman of the Board of the
Avesco Group of Companies. He
currently serves as the Honorary
Adviser of the Federation of
Electrical and Electronics Suppliers
& Manufacturers of the Philippines,
Inc. (PESA) & PESA Foundation;
and Honorary President of the
Federation of Filipino-Chinese
Chamber of Commerce & Industry
(FFCCCII). Mr. Tang was the 9th
President of PESA and the first
Chairman of the PESA Foundation,
which he served for seven years.
He also served two terms as the
11th President of the FFCCCII.
He holds a bachelor’s degree in
Electrical Engineering from the
Mapua Institute of Technology and
was awarded the “Top Outstanding
Mapuan for Entrepreneurship” in
1987.
EDMUNDO L. TAN
65, Filipino, was appointed
Corporate Secretary of the Bank
on July 27, 2007. He also serves as
Director and Corporate Secretary of
APC Group, Inc., Philippine Global
Communications, Inc., and Aragorn
Power & Energy Corporation. He
concurrently holds directorships
in BDO Leasing & Finance, Inc.
and Sinophil Corporation. He is
likewise the Corporate Secretary
of APC Mining Corp. and Aragorn
Coal Resources, Inc. Atty. Tan is
the Managing Partner of Tan Acut
Lopez and Pison Law Offices. He
was formerly the Chairman of the
Board of EBC Investments, Inc.,
and Chairman of the Board and
President of EBC Strategic Holdings
Corp.
2010 Annual Report
33
The management of Banco De Oro Unibank, Inc. and subsidiaries is responsible for all information and
representations contained in the financial statements for the years ended December 31, 2010 and 2009. The
financial statements have been prepared in conformity with financial reporting standards in the Philippines
for banks and reflect amounts that are based on the best estimates and informed judgment of management
with an appropriate consideration to materiality.
In this regard, management maintains a system of accounting and reporting which provides for the necessary
internal controls to ensure that transactions are properly authorized and recorded, assets are safeguarded against
unauthorized use or disposition and liabilities are recognized. The management likewise discloses to the Bank’s
audit committee and its external auditor: (i) all significant deficiencies in the design or operation of internal controls
that could adversely affect its ability to record, process and report financial data; (ii) material weaknesses in the
internal controls; and (iii) any fraud that involves management or other employees who exercise significant roles in
internal controls.
The Board of Directors reviews the financial statements before such statements are approved and submitted to the
stockholders of the Bank.
Punongbayan & Araullo, the independent auditors appointed by the stockholders, has examined the financial
statements of the Bank in accordance with Philippine Standards on Auditing and has expressed its opinion on the
fairness of presentation upon completion of such examination, in its report to the Board of Directors and stockholders.
Statement of Management’s Responsibility for Financial Statements
NESTOR V. TAN President
LUCY CO DYEVP and Comptroller
TERESITA T. SY Chairman of the Board
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The above is an excerpt from the complete set of Audited Financial Statements published as Volume 2.
BDO UNIBANK GROUP PARENT BANK
2010 2009 2010 2009
RESOURCES
CASH AND OTHER CASH ITEMS P 26,673 P 30,544 P 26,660 P 30,365
DUE FROM BANGKO SENTRAL NG PILIPINAS 138,482 64,833 129,718 62,864
DUE FROM OTHER BANKS 21,777 16,732 20,433 14,611
TRADING AND INVESTMENT SECURITIES 197,287 171,712 177,641 153,262
LOANS AND OTHER RECEIVABLES - Net 566,021 524,901 548,618 497,302
PREMISES, FURNITURE, FIXTURES
AND EQUIPMENT - Net 15,057 14,732 14,115 13,058
INVESTMENT PROPERTIES - Net 11,979 13,834 11,152 12,805
OTHER RESOURCES - Net 23,593 24,761 30,866 30,917
TOTAL RESOURCES P 1,000,869 P 862,049 P 959,203 P 815,184
LIABILITIES AND EQUITY
DEPOSIT LIABILITIES P 782,635 P 694,678 P 762,634 P 669,805
BILLS PAYABLE 65,861 31,415 56,081 21,519
SUBORDINATED NOTES PAYABLE 23,152 23,152 23,152 23,152
OTHER LIABILITIES 40,489 44,917 34,787 38,136
Total Liabilities 912,137 794,162 876,654 752,612
EQUITY
Attributable to:Shareholders of the Parent Bank 88,009 67,252 82,549 62,572Non-controlling Interests 723 635 - -
88,732 67,887 82,549 62,572
TOTAL LIABILITIES AND EQUITY P 1,000,869 P 862,049 P 959,203 P 815,184
Statements of Financial Position
December 31, 2010 and 2009(Amounts in Millions of Philippine Pesos)
2010 Annual Report
35
The above is an excerpt from the complete set of Audited Financial Statements published as Volume 2.
BDO UNIBANK GROUP PARENT BANK
2010 2009 2008 2010 2009 2008
INTEREST INCOME P 49,930 P 48,810 P 42,359 P 46,544 P 45,011 P 39,733
INTEREST EXPENSE 15,772 18,251 19,323 14,990 17,181 18,043
NET INTEREST INCOME 34,158 30,559 23,036 31,554 27,830 21,690
IMPAIRMENT LOSSES - Net 6,698 6,153 5,232 6,374 5,775 5,171
NET INTEREST INCOME
AFTER IMPAIRMENT LOSSES 27,460 24,406 17,804 25,180 22,055 16,519
OTHER OPERATING INCOME 17,841 15,483 13,731 16,404 14,375 11,810
OTHER OPERATING EXPENSES 34,789 32,129 27,852 31,854 28,811 25,892
PROFIT BEFORE TAX 10,512 7,760 3,683 9,730 7,619 2,437
TAX EXPENSE 1,631 1,659 1,445 1,297 1,263 958
NET PROFIT P 8,881 P 6,101 P 2,238 P 8,433 P 6,356 P 1,479
Attributable To: Shareholders of the Parent Bank P 8,825 P 6,035 P 2,182
Non-controlling Interests 56 66 56
P 8,881 P 6,101 P 2,238
Earnings Per Share:Basic P 3.37 P 2.57 P 0.95 P 3.21 P 2.71 P 0.64
Diluted P 3.37 P 2.47 P 0.93 P 3.21 P 2.60 P 0.63
Statements of Income
For the Years Ended December 31, 2010, 2009 and 2008 (Amounts in Millions of Philippine Pesos Except Per Share Data)
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Management Directory
PRINCIPAL OFFICERS(Bank & Subsidiaries)
SENIOR EXECUTIVE VICE PRESIDENT Antonio N. Cotoco
Walter C. Wassmer
Jaime C. Yu
EXECUTIVE VICE PRESIDENT Ador A. Abrogena
Stella L. Cabalatungan
Julie Y. Chua
Gerard Lee B. Co
Lucy C. Dy
Pedro M. Florescio III
Eduardo V. Francisco
Bienvenido M. Juat, Jr.
Ricardo V. Martin
Edmundo S. Soriano
Rolando C. Tanchanco
Dennis B. Velasquez
Evelyn L. Villanueva
Aristotle L. Villaraza
SENIOR VICE PRESIDENT Ursula A. Alano
Noel L. Andrada
Victor C. Arboleda
Melanie S. Belen
Gamalielh Ariel O. Benavides
Rafael G. Besa
Ma. Ophelia Ll. Camiña
Arthur Vincent D. Chung
Angelita O. Cortez
Ramon S. David
Ma. Lourdes T. De Vera
Montiel H. Delos Santos
Geronimo D. Diaz
Jonathan C. Diokno
Ismael G. Estela, Jr.
Marvin V. Fausto
Georgiana A. Gamboa
Lesmes L. Garate
Jonathan C.B. Go
Marilyn K. Go
Lazaro Jerome C. Guevarra
Eleanor M. Hilado
Nenita C. Indiongco
Jeanette S. Javellana
Roberto E. Lapid
Gabriel U. Lim
Ruby G. Lim
Mercedes M. Limson
Lilia E. Lising
Emerenciana H. Luistro
Ma. Corazon A. Mallillin
Angelita C. Manulat
Dalmacio D. Martin
Jose Noel M. Mendoza
Ramon T. Militar
Jaime M. Nasol
Annie H. Ngo
Maria Rhoda B. Orsolino
Virgilio C. Pamatmat
Jose Alfredo G. Pascual
Antonio O. Peña
Domingo A. Ramos, Jr.
Luis S. Reyes, Jr.
Shirley M. Sangalang
Arsenio L. Severino
Evylene C. Sison
Erlaster C. Sotto
Robert W. Sy
Edwin R. Tajanlangit
Arthur L. Tan
Maria Theresa L. Tan
Perla F. Toledo
Rebecca S. Torres
Edel Mary D. Vegamora
Edward G. Wenceslao
Ma. Teresita Susana L. Yap
FIRST VICE PRESIDENT Gerard M. Aguirre
Maria Carina S. Antonio
Onofre D. Avellanosa
Maria Cecilia M. Avila
Wilma N. Berioso
Aurora M. Castro
Marilou L. Cesario
Susie S. Cham
Ruby A. Chua
Edna Christine P. Cruz
Ma. Lucila C. Cruz
Jonathan T. Cua
Cesario C. Dayego
Lamberto B. Del Fonso, Jr.
Ma. Victoria F. Dela Cruz
Noel D. Dizon
Paul A. Evora III
Lourdes Blanquita B. Falcon
Belinda C. Fernandez
Bernard M. Florencio
Alexander G. Francisco
Maria Elisa A. Franco
Geneva T. Gloria
Judy L. Go
Yolanda M. Go
Renato S. Gongora
Myrianne Joan D. Gonzales
Mary Ann C. Guerra
Enrico R. Hernandez
Lily C. Huang
Lilian T. Khu
Ma. Cecilia G. Lantin
Benjamin A. Larin, Jr.
Peter S. Lo, Jr.
Manuel Z. Locsin, Jr.
Gertrudes J. Lumain
Roy Allan V. Magturo
Jesus A. Mañego, Jr.
Wilhelmino R. Mendoza
Edelwina Victoria E. Millan
Aurea Imelda S. Montejo
Merceditas P. Montesclaros
Cristina G. Ngo
Felicitas C. Nonato
Renato G. Oñate
Larry G. Ong
Susan C. Ong
Martin B. Ordoñez
Ma. Bella C. Paguiligan
Aurora Zita G. Panopio
Clarissa M. Peñalosa
Yolanda A. Pilapil
Rita Y. Poa
Jonathan L. Ravelas
Rogel A. Raya
Maria Nannette R. Regala
Susan Audrey P. Rivera
Evelyn C. Salagubang
Luisito S. Salazar
Ophelia S. Salva
Agnes B. Santos
Cerwina Elenore A. Santos
Salvador R. Serrano
Gregorio C. Severino
Ma. Theresa S. Simbul
Teresita C. Siy
Celia D. Sotto
Noel B. Sugay
Virginia N. Sy
Angelita C. Tad-y
Divina N. Tan
Judy C. Tan
Lorna A. Tan
BOARD OF DIRECTORS
CHAIRMAN EMERITUSHenry Sy, Sr.
CHAIRMAN
Teresita T. Sy
VICE CHAIRMANCorazon S. de la Paz-Bernardo
Jesus A. Jacinto, Jr.
PRESIDENT & DIRECTOR Nestor V. Tan
DIRECTORCheo Chai Hong
Farida Khambata
Antonio C. Pacis
Henry T. Sy, Jr.
Josefina N. Tan
Teodoro B. Montecillo (Independent)
Jimmy T. Tang (Independent)
CORPORATE SECRETARY
Edmundo L. Tan
ADVISER TO THE BOARD
Christopher A. Bell-Knight Senen T. Mendiola
Alberto V. Reyes
Jose T. Sio
Washington Z. Sycip
Jesus G. Tirona
2010 Annual Report
37
Richard R. Tan
Federico P. Tancongco
Reynaldo A. Tanjangco, Jr.
Ma. Mercedes P. Tioseco
Agnes C. Tuason
Myla R. Untalan
Maria Dolores C. Uyliapco
Noemi T. Villanueva
Rosola A. Vivas
Joy T. Yap
Margaret L. Yu
VICE PRESIDENT Jeffrey R. Abacan
Jocelyn D. Agas
Arlene Joan T. Agustin
Regina Flor V. Alba
Gloria T. Alcala
Melissa A. Alcantara
Dulce Amor E. Alimbuyuguen
Rosalisa K. Alindahao
Milagros R. Alindogan
Apollo R. Alquiza
Leticia L. Ang Ley
Maria Agnes R. Aragon
Felina M. Arellano
Susan Marie J. Atienza
Jose Luis F. Bautista
Marites A. Bautista
Pedro C. Bautista, Jr.
Jimmy A. Belarmino
Manuel R. Bengson, Jr.
Manuel Patricio J. Bondad
Maria Eleanor B. Briones
Rolino C. Bucao, Jr.
Benilda G. Cabardo
Barbara P. Cabo
Michael R. Cahigas
Rodolfo M. Carlos, Jr.
Abigail Marie D. Casanova
Regina G. Caynap
Eugenio D. Chua
Leticia T. Chua
Maria Clara D. Chua
Milagros K. Chua
Luisa J. Co
Ma. Cristina Barbara V.
Concepcion
Lolita L. Damasco
Iris Susan F. De Guzman
Priscilla R. De Villa
Maria Teresita R. Dean
Ma. Dina B. Desembrana
Rolando L. Dillague
Albert G. Dizon
Cezar G. Domingo
Crispin G. Domingo
George R. Dosado
Ma. Fe H. Dy
Rolando A. Embrador
Armina C. Empeño
Gwyneth M. Entao
Fe R. Felix
Michael J. Francisco
Cheryll B. Gaviño
Florish M. Gianan
Genevieve WJ. Go
Sonia Maribel D. Go
Emmanuel Antonio R. Gomez
Mary Josephine J. Hyndman
Marichu Daisy S. Jimenea
Emma M. Lacsamana
Charlie Ka Ki Lam
Ma. Remedios B. Lapuz
Rafael Martin C. Lara
Grace G. Lastimosa
Geraldine C. Liggayu
Maurice D. Lim
Juan Sabino P. Lizares
Joseph Rhoderick B. Lledo
Maria Pia L. Maceda
Ma. Dolores P. Magsalin
Racquel B. Mañago
Ronald M. Manalastas
Edgardo R. Marcelo, Jr.
Thelma D. Mazo
Ma. Clotilde G. Medalla
Gaudencio F. Mendoza
Proceso Z. Mendoza, Jr.
Anthony R. Milan
Francis Jay F. Nacino
Emily T. Oquias
Anna Marie M. Pabellon
Romeo G. Pangan
Rommel L. Parong
Ma. Teresa M. Quiogue
Mario D. Rabanal
Eduardo C. Ramos
Gilbert P. Ramos
Ester A. Recio
Ma. Elena I. Rigor
Anthony B. Rivera
Victorina S. Ros
Emily D. Samoy
Jennifer B. Santos
Laarni C. Santos
Ma. Cecilia S. Santos
Rolando S. Santos
Stephen O. Santos
Joel Jovencio E. Sarreal
Philip L. So
Mary Lou D. Son Keng Po
Antonio U. Tan
Ma. Margaret N. Tan
Marites L. Tan
Edna R. Tarroza
Alice Ong O. Teh
Aniana A. Timbre
Don Elecci B. Torno
Wendeline Therese M. Tumolva
Arlene Marie H. Uson
Sharon Mae S. Vicente
Francisco B. Vista, Jr.
Dandy T. Yap
Aimee A. Yu
Alice C. Yu
We find ways
38
Products and Services
1. BRANCH BANKING
Peso DepositsAutomatic
Transfer Facility (ATF)
Peso Passbook Savings Account
Junior Savers ClubOptimum Savings AccountSuper SavingsPeso Time DepositPremium Flexi EarnerRegular Checking AccountSmart CheckingSuper Checking
Foreign Currency DepositsDollar Savings AccountDollar Super SaverDollar Time DepositDollar PRA Two/Three/Five Year Dollar
Time DepositThird Currency Savings
DepositThird Currency Time Deposit
Deposit –Related ServicesManager’s CheckBDO Gift CheckBDO Share Gift CheckCustomized CheckDemand DraftTelegraphic TransferInterbranch DepositDeposit Pick-Up ServicesNight Depository ServiceSafe Deposit Box
Foreign ExchangeOver-the-Counter Purchase/
Sale of FXTraveller’s ChecksDemand Draft
2. REMITTANCE SERVICES
Credit to BDO AccountCash Pick-Up
Anywhere available at:BDO BranchesBDO Remit
Counters at MallsAccredited Rural Bank
PartnersAccredited Financial
Service PartnersBDO Remit Cash CardBDO Savings Account
(USD & PHP)BDO Time DepositBDO Shipping Dollar Savings
AccountBDO Current AccountDirect Deposit ProgramOther Services
Credit to Other Local BanksCash Door-to-Door
3. BDO INSURANCE BROKERS, INC.
Insurance ProductsProperty/Fire InsuranceMotor Car InsuranceEngineering Insurance
Surety BondsMarine InsuranceMiscellaneous CasualtyEmployee BenefitsAccident Insurance
Brokering ServicesRisk AssessmentRisk Survey/InspectionRisk ManagementAccount ManagementClaims Processing
4. BDO LEASING & FINANCE, INC.
LeasingAmortized Commercial LoanInstallment Paper PurchaseFloor Stock FinancingInstant Cash (Domestic
Factoring)
5. BDO PRIVATE BANKING
Peso and Foreign Currency Settlement Accounts
Securities Custody and Safekeeping Accounts
DepositsForeign ExchangeDerivativesConsolidated Cash and
Securities StatementWealth Advisory
Financial PlanningFinancial Asset ConsolidationInvestment Advisory and
ManagementTax and Estate Advisory
Services
6. COMMERCIAL & INDUSTRIAL BANKING
Credit LinesBills Purchase LinesCheck Discounting LinesTerm LoansLetter of Credit (LC)/Trust
Receipt (TR) FinancingStand-By LCCTS FinancingExport Bills PurchaseExport Packaging CreditFX SettlementSugar Quedan FinancingReceivables Purchase Facility
7. CONSUMER LOANS & SERVICES
Auto Loans (New, Used, Fleet)Home Loans (Wholesale and
Retail)Business Mortgage LoansCredit Card Issuing
MasterCardVISAAmerican
ExpressJCBUnion Pay
Merchant and E-Commerce Acquiring
8. DOMESTIC WHOLESALE LENDING &
INTERNATIONAL DESKS
Structured and Trade Finance Domestic Wholesale Funding /
MultilateralsFunding FacilitiesGuarantee Facilities
9. INVESTMENT BANKING
Loan SyndicationUnderwriting and Private
Placement of Debt, Equity and Quasi-Equity IssuesProject FinanceFinancial Advisory/Mergers and
AcquisitionsBrokering and Dealership of
Debt SecuritiesBrokering and Dealership of
Equity Securities
10. TRADE SERVICES
Import/Export Letters of CreditDomestic Letters of CreditStandby Letters of CreditDocuments Against PaymentDocuments Against AcceptanceOpen Account AgreementsExport NegotiationsShipping GuaranteeTrust ReceiptInventory FinancingFinal Duties and Taxes
11. TRANSACTION BANKING
Cash Management ServicesCollection ServicesDisbursement ServicesAccount & Information
ServicesCard Products
Debit CardsPre-paid Cards
Electronic BankingInternet BankingMobile Internet
BankingPhone BankingMobile BankingDebit Point-of-Sale (POS)
BankingBills Payment
12. TREASURY DEALERSHIP & BROKERING
SERVICES
Treasury Bills & BondsFixed Rate Treasury NotesCommercial PapersForeign Currency Denominated
BondsFX Forwards and Swaps
(including Non-Deliverable Forwards)
Interest Rate Swaps & Cross Currency Swaps
13. TRUST AND INVESTMENTS
Unit Investment Trust FundsBDO Peso Money Market
FundBDO Peso Bond FundBDO GS FundBDO Peso Fixed Income FundBDO Institutional Fixed
Income FundBDO Peso Balanced FundBDO Equity FundBDO Institutional Equity FundBDO Merit FundsBDO Dollar Money Market
FundBDO Dollar Bond FundBDO Medium Term Dollar
Bond Fund Customized Portfolio Management
Living Trust AccountsInvestment Management
AccountsEmployee Benefit/Retirement
AccountsPersonal Pension/Retirement
AccountsPre-Need Trust FundsInstitutional/Corporate
Trust FundsDollar Trust Funds
Special Trust ServicesMortgage or Collateral TrustFacility/Loan AgencyEscrow AgencyRegistry/Transfer AgencyCollection/Paying AgencySafekeepingSpecial Purpose Trust
Investment Management Advisory Services
14. ASSET MANAGEMENT
Sale of PropertyResidentialCommercialIndustrialVehiclesMachinery and EquipmentClub Shares
Leasing of PropertiesCommercialIndustrial
allallAccredited Rural BankAccredited Rural Bank
BDO Remit Cash CardBDO Remit Cash CardBDO Savings Account BDO Savings Account
2010 Annual Report
39
BDO Group of Companies
PHILIPPINE SUBSIDIARIES AND AFFILIATES
ARMSTRONG SECURITIES, INC. BDO South Tower, Makati Avenue corner H.V. dela Costa Street, Makati City 878-4559
BDO CAPITAL & INVESTMENT CORPORATION20th Floor, South Tower, BDO Corporate Center, 7899 Makati Avenue, Makati City878-4155/878-4125
BDO ELITE SAVINGS BANK, INC.(formerly GE Money Bank, Inc. or GEMB)
10th and 11th Floors, Net Cube Bldg., 30th Street corner 3rd Avenue, Crescent Park West, Bonifacio Global City777-8600/878-4112
BDO INSURANCE BROKERS, INC.22nd Floor, Pacific Star Building, Senator Gil Puyat Ave. Corner Makati Ave., Makati City846-7008/702-6000
BDO LEASING AND FINANCE, INC.BDO Leasing Centre, Corinthian Gardens, Ortigas Ave., Quezon City635-6416
BDO PRIVATE BANK, INC.27th Floor, Ayala Tower 1, Ayala Triangle, Ayala Avenue, Makati City848-6300/848-6297
BDO RENTAL, INC. 2nd Floor, BDO Leasing Centre, Corinthian Gardens, Ortigas Ave., Quezon City 635-6416 local 209
BDO SECURITIES CORPORATION 20th Floor, South Tower, BDO Corporate Center, 7899 Makati Avenue, Makati City 878-4556/878-4557
BDO STRATEGIC HOLDINGS, INC.(formerly EBC Investments, Inc. or EBCII)
BDO Building, Paseo De Roxas corner Sen. Gil Puyat Avenues, Makati City840-7897
BDO TECHNOLOGY CENTER, INC.North Tower, BDO Corporate Center, 7899 Makati Avenue, Makati City840-7897
EBC STRATEGIC HOLDINGS CORPORATION262 Juan Luna Street, Binondo, Manila840-7897
EQUIMARK - NFC DEVELOPMENT CORPORATIONRm. 603, EBC Bldg., 262 Juan Luna St., Binondo, Manila840-7897
EQUITABLE CARD NETWORK, INC.11th Floor, JMT Corporate Condominium, 27 ADB Avenue, Ortigas Center, Pasig City702-6000 loc. 6717-58151
GENERALI PILIPINAS HOLDINGS, INC.5th Floor, Gercon Plaza Bldg., 7901 Makati Avenue, Makati City, Philippines 1227886-5258
NORTHPINE LAND INCORPORATED(formerly Jardine Land, Inc.)Units 1505-1508, 15th Floor, The Taipan Place, F. Ortigas Jr. Road, Ortigas Center, Pasig City637-1531
PCIB SECURITIES, INC.20th Floor, South Tower, BDO Corporate Center, 7899 Makati Avenue, Makati City878-4564
SM KEPPEL LAND, INC.Penthouse, Benguet Centre Bldg., 12 ADB Ave. Ortigas Center, Mandaluyong City637-5184
STRATEGIC PROPERTY HOLDINGS, INC. 262 Juan Luna Street, Binondo, Manila 840-7897
TAAL LAND12th Floor, PSBank Center, 777 Paseo De Roxas Avenue, Makati City898-9882
FOREIGN SUBSIDIARIESAND AFFILIATES
BDO REMIT LIMITED Shop 219, 2nd Floor Worldwide Plaza, 19 Des Voeux Rd., Central Hong Kong (00852) 2537-7148 / 2530-2236
EXPRESS PADALA (HONG KONG) LIMITED Shop 231-232 & 237, 2nd Floor Worldwide Plaza, 19 Des Voeux Road Central, Hong Kong (00852) 2525-5629 / 2525-4268 / 2525-7160 / 2877-3776
Shop 159, Ground FloorLik Sang Plaza, 269 Castle Peak Road, Tsuen Wan, New Territories, Hong Kong(00852) 2412-0399
BDO REMIT (MACAU) LIMITED Avenida de D. Joao IV No.6A Edificio China Plaza, R/C (V)Macau, SAR (00853) 28714039
Dr. Alameda Dr. Carlos D’ Assumpcao, No. 92, Wan Yu Villas, R/C, Macau (00853) 28373-324, 28374-385
EXPRESS PADALA FRANKFURT GmbHGrosse Friedberger Strasse 6 60313 Frankfurt, Am Main, Germany (004969) 720-07010 to 13
BDO REMIT (ITALIA) S.p.A. Via C. Boldrini 12, 40121 Bologna, Italia (0039051) 251-992 Via San Zanobi 5-7/R 50129 Firenze, Italia(0039055) 462-5225
2/F Via Dogali No. 20 98123 Messina, Italia(0039090) 228-6232
Via Speronari 6 20123 Milano, Italia (003902) 725-2161
Via Vicenza 5/A, Interior 2A 00185 Roma, Italia(003906) 446-0395
Via San Pio V, 10/C 10125 Torino, Italia (0039011) 669-0007
BDO REMIT (USA), INC. 2365 S. Azusa Avenue, West Covina, California 91792 (001800) 4732-3252 / 001 (626) 363-9800
215 South Vermont Avenue Los Angeles, California 90004 (001800) 372-3252 / 001 (213) 229-4404
4830 Mission Street, Suite 101 San Francisco, California 94112 001 (415) 5879491 to 97
5845 North Clark Street Chicago, Illinois 60660 (001733) 271-7380 / 271-7382
REPRESENTATIVE OFFICES
TAIPEI Unit 3D, No. 132/134, Cathay Cosmos Building, Sec. 03 Minsheng East Rd., Taipei, Taiwan (00886) 2545-6887
PARIS 86 Rue de la Pompe, 75016 Paris, France (00331) 5375-1142
ISRAELBDO Remit (Israel) Limited 4th Floor Shop 4412 New Tachana Merkazit, 108 Levinsky St., Tel Aviv, 66052 Israel 00972 3 6390163 / 00972 3 5379294
DESK OFFICES
SAUDI ARABIA Al Rajhi Banking - Al Khobar P.O. Box 1362, Alkhobar 31952 KSA 00966-502863556
Al Rajhi Banking - Buraidah Tahweel Al Rahji Buraidah, Al Qassim, KSA 00966-509096758
Al Rajhi Banking - Jeddah Tahweel Al-Rajhi Jeddah, Queen’s Bldg. Balad, Jeddah, KSA 00966-509191495
Al Rajhi Banking - Riyadh P.O. Box 22022, Riyadh 11495, KSA 00966-504417063 / 00966-563420906
Al Zamil Exchange P.O. Box 83, King Saud St. Cor. Cross A, Al Khobar 31952, KSA 00966-551674802 / 00966-501427693
Bank Al Bilad Enjaz Remittance Center Branch 153, Batha, Riyadh KSA 00966-568253093 / 00966-556463006
UNITED ARAB EMIRATES
UAE Exchange Center P.O. Box 170, Level 02, Al Sayegh Centre, Hamdan St., Abu Dhabi, UAE 009715-07650473 / 009715-02460206 / 009712-6105555
Al Ansari Exchange P.O. Box 325 Liwa St., Heirs of Ameen Mohamed Baker Khoory Bldg., Abu Dhabi, UAE 00915-06216088 / 009710-2622788
JORDAN
Al Ghurair Exchange Al Gardens St., Alasad Center, P.O. Box 3729, Amman Jordan 009626-65549182-83
OMAN
Al Jadeed Exchange P.O. Box 3705, P.C. 112, Sultanate of Oman 00968-92578862 / 00968-24789035
QATAR
Gulf Exchange P.O. Box 4847, Doha Qatar 00974-33606298 / 00974-33606299
BAHRAIN
Dalil Exchange P.O. Box 20404 Gov’t Road, Manama, Kingdom of Bahrain 009733-9479981 / 009317-223464
KUWAIT
Etemadco Exchange Souk Al-Watiya, #95 Near Adidas, Maliya, Kuwait 009656-7067039 / 009656-7749319
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40
M E T R O M A N I L A
Branch Directory
CALOOCAN
VALENZUELA
MALABON
MANILA SAN JUAN
MANDALUYONG
PASIG
PATEROS
TAGUIG
MAKATI
PASAY CITY
PARAÑAQUE
LAS PIÑAS
MUNTINLUPA
NAVOTAS
QUEZON CITY
MARIKINA
LOCATION BRANCHES ATM
Caloocan 13 18
Las Piñas 9 23
Makati 60 100
Malabon 4 4
Mandaluyong 17 45
Manila 85 127
Marikina 9 18
Muntinlupa 10 23
Navotas 2 3
Parañaque 20 43
Pasay 15 44
Pasig 27 43
Pateros 2 2
Quezon City 89 176
San Juan 12 20
Taguig 11 15
Valenzuela 7 18
392 Branches 722 ATMs
*As of March 2011
2010 Annual Report
41
M E T R O M A N I L A
C A L O O C A N
CALOOCANRizal Avenue Extension near corner
11th Avenue, Grace Park, Caloocan City
366-0948, 365-5184, 363-7402
Fax 364-5440
CALOOCAN - A. MABINIG/F Corazon Bldg. 432 A. Mabini St.
Poblacion Caloocan City
287-4135, 285-4364, 287-4208
Fax 285-5962
CALOOCAN - SANGANDAANNo. 628 A. Mabini St., 1408 Sangandaan,
Caloocan City
288-5525, 287-0578, 288-5540, 287-5025
Fax 285-2738
CALOOCAN - 7TH AVENUERizal Avenue Extension corner
7th Avenue, Caloocan City
361-1074, 361-1249, 362-1873, 366-2456
Fax 361-1272
EDSA - A. DE JESUS474 EDSA corner B. Serrano and
A. De Jesus St., 1403 Caloocan City
366-5638, 366-5639, 366-8714, 366-6088
Fax 363-3845
EDSA EAST - CALOOCANL & E Bldg. EDSA corner
Gen. Concepcion St. Caloocan City
330-5834, 330-5836, 330-5837, 367-8751
Fax 330-5832
GENERAL LUIS297 General Luis St. Barrio Kaybiga,
Caloocan City
937-3355, 419-3005, 939-6152
Fax 938-6020
GRACE PARKG/F A & R Bldg. 213 Rizal Avenue Extension,
Grace Park, Caloocan City
365-5805, 365-5804, 365-2569, 364-0818
Fax 364-6125, 365-5166
GRACE PARK - 8TH AVENUERizal Avenue Extension Grace Park, Caloocan City363-5633, 363-5628, 363-1626,363-5665, 363-5635, 363-5620, 363-5668Fax 361-1299, 361-1622
GRACE PARK - 9TH AVENUE414 Rizal Avenue Extension, Grace Park,
1400 Caloocan City
365-7308, 363-3581, 361-1215, 361-1208,
361-1984, 364-9190, 367-7017
Fax 364-9148
GRACE PARK - 11TH AVENUE1619 Rizal Avenue Extension corner
11th Avenue, 1400 Caloocan City
366-1978, 366-1980, 361-1441, 361-2098,
366-1926, 366-1927, 367-2349
Fax 361-1421
MONUMENTOMacArthur Highway corner Calle Uno,
Caloocan City
361-3295, 365-5470, 365-6250, 330-5683,
362-0295, 367-1486
Fax 365-8290, 364-0532
SAMSON ROADG/F Ma. Cristina Bldg. Samson Road corner
UE Tech., Caloocan City
361-0602, 366-4698, 361-2538
Fax 362-8140
L A S P I Ñ A S
LAS PIÑAS - ALMANZAAlabang-Zapote Road, Almanza Uno,
Las Piñas, Metro Manila
801-6357, 801-6399, 801-6400
Fax 801-6359
LAS PIÑAS - BF RESORTBDO Bldg., Blk 4 Lot 9 BF Resort Drive
Phase 4, BF Resort Village, Las Piñas
873-8925, 873-8923
Fax 873-8918
LAS PIÑAS - NAGA ROADNear Corner Naga Road and Main Access
Road., E.T. Homes 2, Pulang Lupa 2,
Las Piñas City
820-0722, 820-0738, 826-6307
Fax 820-0732
LAS PIÑAS - PAMPLONAAlabang-Zapote Road, Pamplona,
Las Piñas City
875-6766, 872-0824, 872-2563
Fax 872-9911
LAS PIÑAS - PHILAMLIFE AVENUEAlabang-Zapote Road, Pamplona Tres,
1740 Las Piñas, MM
874-4259, 872-8167, 874-4252, 874-0325
Fax 874-3892
LAS PIÑAS - TALON
G/F Motiontrade Bldg. Alabang-Zapote Road,
Talon, Las Piñas City
805-1922, 800-9559, 800-8920, 802-3504,
805-1921
Fax 800-9999
SM CENTER LAS PIÑASLGF SM Center Las Piñas, Alabang-Zapote
Road, Brgy. Pamplona Dos, Las Piñas City
875-1553, 875-1574, 875-1695, 875-1750,
875-1770
Fax 872-4750
SM SOUTHMALL A
UG/F SM Southmall, Alabang-Zapote Road,
Las Piñas City
805-7568, 801-9050, 801-9046, 800-1648,
800-3614, 800-0471
Fax 800-0472, 805-1558
SM SOUTHMALL B
UG/F SM Southmall, Alabang-Zapote Road,
Las Piñas City
800-6798, 800-9122, 800-0590, 800-0545
Fax 800-9597
M A K A T I
A. ARNAIZ - SAN LORENZO VILLAGE
L & R Bldg., 1018 A. Arnaiz Avenue,
Makati City
887-1291, 845-1011, 844-2648,
844-3045, 843-0533
Fax 843-0522
ALFARO - SALCEDO VILLAGE
G/F PCCI Bldg., 118 Leviste St. (formerly
Alfaro St.), Salcedo Village, Makati City
815-3014, 751-0237, 817-6655, 892-1231
Fax 815-2988
AMORSOLO
G/F Queensway Bldg., No. 118 Amorsolo St.
Legaspi Village, Makati City
813-8434, 817-7763, 810-2202
Fax 891-5533
ASIA TOWER - PASEO
G/F Asia Tower corner Paseo de Roxas &
Benavidez St., 1229 Makati City
750-6888, 841-0384, 841-0385, 841-0245
Fax 750-9888
AYALA - RUFINO
G/F Rufino Bldg. Ayala Avenue corner
Herrera St., 1226 Makati City
815-4536, 812-4214, 812-4243,
815-4528, 810-1476, 889-9548
Fax 810-1439
AYALA AVENUE
6805 Multinational Bancorporation Bldg.,
Ayala, Makati City
844-5278, 844-5286, 856-4034, 856-4035
Fax 844-5301
AYALA AVENUE - PEOPLE SUPPORT
G/F People Support Center, Amorsolo St.
corner Ayala Avenue, Makati City
889-7552, 889-7554, 889-7556, 750-6007,
750-6008
Fax 889-7480
AYALA TRIANGLE 1
GM-B G/F Tower 1, Ayala Triangle,
Ayala Avenue, Makati City
891-9950, 759-4413, 848-6734,
891-9948 to 49, 891-9896
Fax 891-9896, 891-9897
BAGTICAN - PASONG TAMO
Unit 102 G/F Pryce Center Condominium,
1179 Chino Roces Ave. corner Bagtican
St., San Antonio Village, Makati City
899-1059, 899-1063, 899-1061,
899-1053
Fax 899-1052
BDO CORPORATE CENTER
BDO South Tower, Makati Avenue corner
HV Dela Costa St., 1227 Makati City
878-4643 loc. 7909, 7851, 878-4640
loc. 2166, 878-4094, 878-4636,
878-4642, 878-4645, loc. 7801,
840-7782 loc. 2001, 2601, 878-4638,
840-7974 loc. 2330, loc 2479, 2231, 7736,
2230, 840-7972
Fax 878-4039, 878-4670, 878-4631
BEL-AIR
G/F SM Makati Cyberzone 1 along
Sen. Gil Puyat Avenue, Makati City
895-1579, 895-1512, 895-1428,
896-8245, 899-4087, 899-6297,
899-5156, 899-6259
Fax 890-8475
BEL-AIR - GIL PUYAT
Country Space I Condominium Bldg.,
Sen. Gil Puyat Avenue, Bel-Air Village,
1209, Makati City
892-6891, 815-2013, 751-0238
Fax 818-8242
CASH & CARRY
G/F Unit No. G01A, Cash & Carry Mall,
South Super Highway & Filmore St.,
Makati City
887-3210, 887-6205, 710-0259,
710-0253, 887-3210, 887-5360
Fax 887-3210
CHINO ROCES AVENUE
Units 3 & 4 La Fuerza Plaza, Chino Roces,
Makati City
893-7851, 893-7859
Fax 867-1549
DELA ROSA - RADA
Ace Bldg., corner Dela Rosa & Rada St.,
Legaspi Village, 1229 Makati City
813-4912, 815-4163, 893-1495,
892-6572, 893-8770, 751-6753,
893-0074
Fax 817-2323
DIAN - GIL PUYAT
G/F EPCIB Bldg., Sen. Gil Puyat Avenue
corner Dian St., Makati City
844-2554, 889-1564, 845-3239
Fax 844-8924
DPC PLACE - CHINO ROCES
G/F (Unit 102) of DPC Place,
2322 Chino Roces Avenue, Makati City
889-5104, 889-8697, 889-8623,
889-8626, 886-4981, 886-4982
Fax 889-8687
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EDSA - BANGKALNo.3 EDSA Brgy. Bangkal,
Makati City
843-5162, 843-0091, 843-0094
Fax 843-0093
ENTERPRISE CENTER - AYALA AVENUE
3 Level, Tower 1, The Enterprise Center,
6766 Ayala Avenue, Makati City
886-5498, 886-5499, 728-1076
Fax 886-5500
EVANGELISTA - MAKATI 1695 Evangelista St. corner Gen. Lacuna St.,
Bangkal, Makati City 1233
844-9278, 844-9276, 888-2497
Fax 893-1810
GC CORPORATE PLAZA - LEGASPI ST. G/F 150 GC Corporate Plaza, Legaspi St.
Legaspi Village, 1229 Makati City
817-8657, 893-5625, 817-2970
Fax 817-0160
GIL J. PUYAT
Union Ajinomoto Bldg. Sen. Gil Puyat Ave.,
Makati City
897-4841, 890-6546, 895-0471,
896-4843, 897-4838
Fax 890-6357
GREENBELT
G/F 108 Legaspi St. corner Paseo de Roxas,
Pioneer House Bldg., Legaspi Village,
Makati City
894-0513, 840-4568, 840-4541,
830-2286
Fax 830-2281
HERRERA
V.A. Rufino corner Sotto St. Legaspi Village,
Makati City
812-3074, 812-7054, 812-3740, 759-4416,
810-0303
Fax 759-4415
H.V. DELA COSTA120 Westgate Plaza Condominium,
Salcedo Village, Makati City
867-4365, 813-1570, 817-9967
Fax 813-1493
J.P. RIZAL
872 JP Rizal St. Barangay Poblacion,
Makati City
895-7730, 896-7276, 899-8690
Fax 899-8443
JUPITER - REPOSO
G/F CEI Headquarters, 158 Jupiter St.
corner N. Garcia St., Bel-Air Village,
Makati City
896-8095, 896-8078, 890-5208
Fax 896-8807
LEGASPI VILLAGE - C. PALANCAG/F, Colonade Residences,
No. 132 Legaspi Village, Makati City
519-3043, 519-8400, 519-8399
Fax 519-6284
LEGASPI VILLAGE - SALCEDO ST. EBC Bldg., 203 Salcedo St.,
Legaspi Village, Makati City
812-5873,812-5874, 810-5568, 844-4091
Fax 812-6145
MAGALLANES VILLAGE
Unit 104 The Gate Way Center,
Paseo de Magallanes, Magallanes Village,
Makati City
852-9640, 852-9643, 852-9843,
853-4620
Fax 852-9843
MAKATI - ESTEBANG/F A & V Crystal Tower, 105 Esteban St.,
Legaspi Village, Makati City
403-8455, 403-8458, 403-8459,
403-8460
Telefax 403-8455
MAKATI AVENUE - AYALA
L.V. Locsin Bldg., Ayala Avenue corner
Makati Avenue, 1228 Makati City
840-4529, 818-7286, 893-9529
893-8162, 817-7455
Fax 817-7180
MAKATI CINEMA SQUARE
Makati Cinema Square, Pasong Tamo,
1229 Makati City
844-2641, 811-1523, 811-1458,
844-1990
Fax 811-1447
MAKATI SHANGRI-LA HOTEL
Unit 191 Shangri-la Hotel Manila,
Ayala Center, Makati City
813-5004, 813-5006, 813-5007,
813-4788, 817-0295
Fax 813-5005
MEDICAL PLAZA - LEGASPI VILLAGE
Unit 101, G/F Medical Plaza Makati,
Amorsolo St. corner Dela Rosa St.
Legaspi Village, Makati City
813-2585, 750-5545, 813-2739
Fax 750-5546
METROPOLITAN AVENUE
G/F Metropolitan Terraces, Metropolitan
Avenue corner Sacred Heart St.
(formerly Dao St.), Makati City
899-6618, 899-6693, 899-6631, 890-5437
Fax 899-6667
NEPTUNE - MAKATI AVENUE
101 Neptune St. corner Makati Avenue
1209 Makati City
897-2174, 751-6332, 897-8483, 897-2694
Fax 896-6062
PACIFIC STAR - MAKATI G/F Pacific Star Bldg., Sen. Gil Puyat
Avenue corner Makati Avenue, Makati City
811-5939, 811-5938, 811-5567, 811-5225
Fax 811-5568
PASAY ROAD
845 Corporate Plaza Bldg. Pasay Road,
Makati City
894-1732, 817-6113, 810-9382, 818-1783
Fax 818-2958
PASEO - GIL PUYAT
EBC Bldg., Paseo De Roxas corner
Gil Puyat Avenue, Makati City
895-3949, 895-0055, 895-5918, 890-9531
Fax 897-6149
PASEO DE ROXAS 2
G/F BDO Plaza, 8737 Paseo de Roxas St.,
Makati City
811-4285, 892-7333, 892-9796, 811-4281,
892-9796, 840-3366, 811-4282, 892-5703
Fax 892-5252
PASEO TOWER - MAKATI Equitable Bank Tower,
8751 Paseo de Roxas, Makati City
817-4421, 886-0012, 843-5480,
886-0014, 886-0011, 886-0018
Fax 886-0015
Telefax 843-5464, 815-2204
PASONG TAMO EXT. G/F Allegro Center, Pasong Tamo
Extension, Makati City
817-5456, 817-5443, 817-5439
Fax 817-5641
PEREA - PASEO
G/F Universal Re Bldg. 106 Paseo de Roxas
1228 Makati City
817-1519, 816-2220, 817-7457, 815-9032
Fax 817-1845
PHILAM TOWER - VALERO
G/F Philamlife Tower,
8767 Paseo de Roxas, Makati City
843-4297, 843-4265, 843-4237, 843-4310
Fax 843-4365
RADA
G/F One Legaspi Park, Rada St.,
Legaspi Village, Makati City
909-2011, 909-2012, 909-2013
Fax 909-2014
REPOSO - MAKATI EBC Bldg. JP Rizal corner N. Garcia
(formerly Reposo), Makati City
896-2437, 897-8651, 897-8648,
896-1790
Fax 897-8655
ROCKWELL
G/F Power Plant Mall, Rockwell Center,
Amapola corner Estrella St. Makati City
899-1488, 899-1250, 899-6196
Fax 899-1489
ROCKWELL CENTER - MAKATI Lot 3, Block 7, Rockwell Drive,
Rockwell Center, Poblacion, Makati City
898-1742, 897-1743, 898-1744,
898-1745, 898-1891, 897-3992
Fax 898-1746
SALCEDO
Golden Rock Bldg. 168 Salcedo St.,
Legaspi Village, Makati City
816-1467, 816-1478, 816-1489
Fax 816-1468
SM HYPERMARKET MAKATI SM Hypermarket Makati,
5560 Osmeña Highway corner
Finlandia St., San Isidro, Makati City
887-4265, 844-3503, 844-3509,
887-4519
Fax 844-3507
SM MAKATI Shoemart Annex Bldg. Ayala Center, Makati City893-3241, 817-0856, 813-3975, 812-6844, 812-6838Fax 818-0855, 892-2182 SOUTHGATE MALL - EDSA Unit G 02, G/F Southgate Mall, Edsa corner Pasong Tamo Extension, Makati City828-2224, 856-5971, 828-8237Fax 828-8707
TORDESILLAS G/F Cambridge Centre, 108 Tordesillas corner Gallardo Sts., Salcedo Village, Makati City894-0383, 893-9699, 893-0198, 812-7873, 753-3656Fax 753-3657
TRIDENT - GIL PUYAT G/F Trident Tower Bldg., 312 Sen. Gil Puyat Ave., Makati City 845-4216, 845-4217, 887-4763Fax 845-2401
V. A. RUFINO G/F Chatham House, Herrera St. corner Valero & San Agustin Sts., Salcedo Village, Makati City403-2278, 403-2279, 403-1926Fax No. 403-2280
V. A. RUFINO – TUSCANG/F Tuscan Condominium, 114 V.A. Rufino St., Legaspi Village, Makati City894-1552, 894-2645, 894-2975Fax 894-0318
VALERO G/F Pearlbank Center 146 Valero St. Salcedo Village, Makati City817-9678, 817-9586, 817-9675, 750-1032Fax 750-1037, 817-9586 VILLAR - SALCEDO VILLAGE Eurovilla III Condominium 154 Villar St., corner L.P. Leviste St., Salcedo Village, Makati City818-1681, 894-1049, 812-5070Fax 894-1048 WASHINGTON - GIL PUYAT G/F Keystone Bldg., 220 Gil Puyat Avenue, Makati City844-0045, 844-1325, 844-7633, 893-2183, 893-2180, 893-9063Fax 893-9063
Branch Directory
2010 Annual Report
43
M A L A B O N
MALABON685 JP Rizal St. Barangay San Agustin, Malabon City281-9254, 281-9252, 281-5603Fax 281-5604
MALABON - GOV. PASCUALG/F MGC Veranda Bldg., 31 Gov. Pascual Avenue, Tinejeros, Malabon City288-7751, 288-6870, 288-7491Fax 285-6411
MALABON - RIZAL AVENUE694 Rizal Avenue, 1470 Malabon Metro Manila281-0995, 281-0949, 281-1005, 281-0536, 281-0538 Fax 281-5346
POTRERO110 MacArthur Highway corner Riverside St. Potrero, Malabon447-4554, 447-4555, 367-9806Fax 364-6308
M A N D A L U Y O N G
BONI - LIGAYA654 Boni Avenue, 1550 Mandaluyong City534-0570, 534-3133, 534-3134Fax 746-2747
BONI - MAYSILO74 Maysilo Circle corner Boni Avenue, Mandaluyong City531-6378, 532-5206, 531-3694, 534-6942Fax 531-3550
EDSA - POEAPOEA Bldg., EDSA corner Ortigas Avenue, Mandaluyong City724-5943, 724-5955Fax 724-5966
EDSA - RELIANCE ST.G/F Paragon Plaza corner Reliance St. Mandaluyong City638-9070, 638-9066, 638-9072, 687-6804Fax 638-9069
KALENTONGMRDC Bldg. Shaw Blvd. corner Gen. Kalentong St. Mandaluyong City532-8953, 531-9146, 531-6984Fax 531-7071
MANDALUYONG - CALBAYOGDMG Center, Libertad St. corner M. Cruz St., Mandaluyong City470-1897, 470-1898, 470-1899, 470-1900Fax 470-1899
MANDALUYONG - LIBERTADSierra Madre St. corner Libertad St., Mandaluyong City571-5041, 571-5043, 571-5044Fax 571-5042
ORTIGAS CENTERUG/F SM Megamall Bldg. A., Ortigas Center, Mandaluyong City638-3463, 638-4571, 638-4783, 638-4913, 702-6000 locals 52551, 52552, 52553, 52555, 52556, 52557 to 60, 6279Fax 638-4913, 638-4239
PIONEER HIGHLANDS - MADISONUnit 01 (facing Madison St.) LG/F Globe Telecom Plaza 1 Bldg., Pioneer St., corner Madison St., Mandaluyong City746-0081, 634-7933, 746-3806Fax 746-3805
SHANGRI-LA PLAZA MALL - EDSAUnit#129-A, Level 1, Shangri-la Plaza Mall, EDSA corner Shaw Blvd., Mandaluyong City638-2692, 638-2693, 633-4187Fax 687-6944
SHAW BLVD.555 Shaw Blvd. Mandaluyong City722-7572, 722-6677, 722-7584Fax 722-7592
SHAW BLVD. - BEACON PLAZAUG 105-UG 106 Beacon Plaza, Shaw Blvd. Corner Ideal St., Mandaluyong City726-2314, 726-2450, 726-2364Fax 726-1107
SHAW BLVD. - LIBERTY CENTERG/F, Units 1 & 2 Bldg. B, Liberty Center,Shaw Blvd., Mandaluyong City655-2598, 655-6624Fax 655-4047
SHAW BLVD. - STANFORDEBC Bldg. Shaw Blvd. corner Stanford St. Mandaluyong City723-5523, 723-8705, 723-8708Fax 723-8707
SHAW BLVD. - YULO285 A. Shaw Blvd. corner L. Cruz St. Mandaluyong City533-5424, 533-6518, 533-5252, 533-7688Fax 534-8419
SM MEGAMALL AG/F SM Megamall Bldg. A, Ortigas Center, Mandaluyong City631-9813, 633-1786, 635-2358, 633-1785, 634-0437Fax 633-1784
SM MEGAMALL BUpper & Lower Ground Floors, SM Megamall Bldg B, Julia Vargas cor EDSA, Ortigas Center, Mandaluyong City632-7425, 631-2956, 631-9843, 631-9806, 633-4969, 633-1924Fax 635-5172-LG, 631-6766-UG
M A N I L A
ARRANQUE1359-1361 Soler St. Sta. Cruz, Manila734-2550, 733-0934, 733-3538, 733-0916Fax 734-2549
ARRANQUE - T. ALONZO733 T. Alonzo St., Manila733-4655, 733-4648, 733-4657Fax 733-9493
BINONDO411 Quintin Paredes St. Binondo, Manila241-3055, 247-4278, 241-3050, 241-3065Fax 241-2892
BLUMENTRITT2325 Rizal Avenue corner Antipolo St. Sta. Cruz, Manila255-6260, 254-1945, 251-8135, 256-5009Fax 256-5012
C. PALANCA - QUIAPO132 Carlos Palanca St. Quiapo, Manila735-6403, 733-6342, 733-6343, 733-6337, 733-6334Fax 733-6329
C.M. RECTOC. M. Recto Avenue corner Nicanor Reyes St., Manila735-2554, 735-5686Fax 735-5688
C. M. RECTO - REINA REGENTE1059 C. M. Recto Avenue corner Reina Regente St., Binondo, Manila244-3993, 244-3994, 245-7141, 245-7142Fax 244-7318
C. M. RECTO - SAN SEBASTIAN2070 C.M. Recto St., 1008 Sampaloc, Manila734-8889, 734-9682, 733-0267, 734-6679, 734-9679Fax 736-9059
CARMEN PLANAS812 O’ Racca Bldg. Carmen Planas St., Divisoria, Manila242-6712, 242-6704, 243-3595Fax 242-4252
CARMEN PLANAS - PADRE RADA1033-1035 C. Planas St. 1012 Tondo, Manila245-2240, 245-2323, 243-0217Fax 245-1648
CARMEN PLANAS - ZARAGOSA921 Carmen Planas St. corner Zaragosa St., Tondo, Manila243-4879, 243-4881, 243-4882Fax 245-5207
CENTRAL MARKET - V. FUGOSO1711 V. Fugoso St. corner Sulu St., Sta. Cruz, Manila734-1509, 735-0664, 734-3048Fax 735-0664
DAPITAN ST. - A. H. LACSON AVE.Dioresa Plaza, Dapitan St. corner A.H. Lacson Ave., Sampaloc, Manila731-8574,740-7316, 741-5615Fax 712-7674
DASMARIÑAS ST. - BINONDOPCIBank Bldg., Dasmariñas St., Binondo, 1006 Manila242-9413, 242-9415, 242-9416, 242-9395, 242-9390, 242-9389, 245-1756Fax 243-3144, 242-9390
DIVISORIA744-746 Ilaya St. Tondo, Manila241-8607, 241-4158, 241-8617, 241-4159Fax 241-8617
ECHAGUENos. 116-120 C. Palanca St., Quiapo, Manila733-7436, 733-7437, 733-7434, 734-6858Fax 734-8131
ELCANOSHC Tower 619 Elcano St., San Nicolas, Manila247-1957, 247-1958, 247-1960Fax 247-1959
ESPAÑACarmen Bldg. España corner G. Tolentino St., Sampaloc, Manila735-6698, 735-6573, 736-1770, 736-4159Fax 735-6588
ESPAÑA - BLUMENTRITT2101-2103 Espana Ave corner Blumentritt St. 1008 Sampaloc, Manila741-1517, 741-3274, 741-6709Fax 731-5101
ESPAÑA - M. DELA FUENTEEsperanza Place, España Boulevard corner M. Dela Fuente St., Sampaloc, Manila743-1202, 743-1175, 731-8547, 731-8653Fax 731-8544
GANDARA811-813 Sabino Padilla St. (formerly Gandara St.) Sta. Cruz, Manila733-1342, 734-3255, 734-4574, 733-3705, 733-8079, 736-6382Fax 734-3254, 733-1338
GANDARA - SOLER1268 Soler St. corner S. Padilla St., 1006 Binondo, Manila244-8097, 244-8039, 247-6507Fax 244-8041
HARRISON PLAZAUnit R-5 URDI Bldg. Harrison Plaza Shopping Complex, F. B. Harrison, Malate, Manila524-4308, 525-2954, 524-6533, 536-1573Fax 523-2732
ILAYA1049-1051 Ilaya St. Divisoria, Manila245-5508, 245-5510, 242-1686, 245-0235, 245-0242Fax 245-0569
ILAYA - M. DE SANTOS632 M. de Santos St., Manila243-1826, 243-1828, 243-1829, 243-1830, 243-1831Fax 243-1827
We find ways
44
Branch Directory
ILAYA - PADRE RADA940-942 Ilaya St., Tondo, Manila242-1110, 245-5478, 245-0283Fax 245-0107
INTRAMUROSG/F Chamber of Commerce Bldg. #3 Magallanes Drive, Intramuros, Manila527-7998, 527-7964, 527-8585Fax 527-7574
J. ABAD SANTOSG/F Ching Leong Temple, J. Abad Santos Avenue, Tondo, Manila252-2139, 252-2141, 252-2127, 255-6594Fax 252-2140
JAS - ANTIPOLOG/F Intercast Corporate Tower, 2230 J. Abad Santos Avenue, Tondo, Manila253-6544, 253-6566, 253-6606Fax 253-6555
JAS - RECTO1174 J. Abad Santos Avenue, Tondo, Manila251-7584, 256-6572Fax 251-7578
JUAN LUNA262 Juan Luna St., Binondo, Manila241-5967, 242-6421, 241-6065, 241-5774, 243-0195, 241-5782, 840-7000 locals 37896, 39629, 39630, 39627, 39623, 39624, 39625, 39626, 39621, 39622Fax 241-4487, 241-5787
KAMAGONG2567 P. Ocampo (Vito Cruz Extension) corner Madre Perla St., Manila563-0504, 564-7104, 564-2870, 563-1895Fax 564-4435
LAVEZARES321-325 Garden City Condominium corner Lavezares & Camba Sts., San Nicolas, Manila242-4244, 242-4249, 242-4250, 242-4251Fax 242-4254
LUNETA - T.M. KALAW707 T.M. Kalaw St. corner Churruca St., Ermita, Manila523-5334, 524-0380, 525-6857, 525-5850, 525-8378, 524-4849, 525-6590, 523-9834Fax 524-4849
MALATE - ADRIATICOAdriatico Executive Center, Adriatico St., Ermita, Manila536-7514, 521-7751, 536-7517Fax 523-5866
MASANGKAYLun Hong Townmates Association Bldg. 1226 Masangkay St., Sta. Cruz, Manila255-2002, 255-2065, 255-2080Fax 255-2023
MASANGKAY - CM RECTO1029-1031 JP Bldg., Masangkay corner Tronqued St., Sta. Cruz, Manila244-0185, 244-1806, 244-1808Fax 244-0186
MASANGKAY - LUZON ST.907 Luzon St, corner Masangkay St., Tondo, Manila252-4456, 252-1149, 254-5056Fax 254-9528
NAGTAHANG/F SM Nagtahan, Magsaysay Blvd. corner Nagtahan Road, Sampaloc, Manila516-0681, 516-0682, 516-0683Fax 516-0630
OLD STA. MESA - ALBINANewton Plaza, Old Sta. Mesa corner Albina St., Sampaloc, Manila559-6702, 559-6703, 559-6704Fax 559-6697
ONGPINUnit ABC Imperial Sky Garden, Ongpin St., corner T. Pinpin St., Binondo, Manila244-3738, 243-5516, 241-8143Fax 2418143
ONGPIN - T. ALONZOUnit 564 and 566 Gel Tower, T. Alonzo St., Sta. Cruz, Manila733-9556, 733-1461, 733-1477, 733-9518Fax 733-1459
ONGPIN - TOMAS MAPUA1004-1006 Ongpin St., Sta. Cruz, Manila734-2944, 735-2524, 735-8641Fax 734-2945
PABLO OCAMPO SR. ST. - ARELLANO AVENUEBarko Bldg., P. Ocampo Sr. St., corner Arellano Ave. & Enriquez St., Malate, Manila353-8312, 353-9239, 353-9240Fax 353-9241
PACO1054-1060 Pedro Gil St., Paco, Manila523-7290, 521-3647, 523-0541, 525-7644, 525-7640, 523-1711, 523-1736, 536-6448, 536-6449Fax 523-3249
PACO - A. LINAO1635-1641 A. Linao St., Paco, Manila536-0358, 525-6521, 303-0399, 536-0359Fax 536-0357
PADRE FAURA - A. MABINIA. Mabini corner Padre Faura St., 1000 Ermita, Manila525-8928, 523-3173Fax 523-4879
PADRE RADAGosiupo Bldg. 480-482 Padre Rada corner Elcano St., Tondo, Manila245-0176, 245-0249, 245-5513Fax 245-5491
PEDRO GIL - A. MABINI1567-1571 Salud Bldg. Pedro Gil cornerA. Mabini St., Ermita Manila400-7362, 700-7363, 525-6121Fax 400-7364
PEDRO GIL - ADRIATICO Adriatico St. near cor. Pedro Gil St., Malate, Manila524-6001, 536-0607, 450-1693Fax 524-6002
PLAZA CALDERON - PEDRO GILG/F Unit C, Harmonic Seven Bldg., 2332-2334 Pedro Gil corner Vesta St., Sta. Ana, Manila563-4803, 562-6816, 563-7156, 562-6841Fax 564-6548
PLAZA STA. CRUZ - DASMARIÑAS ST.377 Plaza Sta. Cruz 1003 Sta. Cruz, Manila733-3003, 733-3004, 733-3001, 733-3006Fax 733-3018
PORT AREA - SOUTH HARBORG/F Velco Center, R.S. Oca corner A.C. Delgado St., Port Area, Manila527-0694, 527-0717, 527-0793, 536-8193Fax 527-0695
QUIAPO - QUEZON BLVD.Quezon Blvd., 1001, Quiapo, Manila733-6295, 733-6249, 735-0953, 734-0477, 734-0478Fax 733-6040
QUIAPO - QUINTA MARKETQuezon Blvd. corner C. Palanca St., Quiapo, Manila735-9591, 947-3594, 947-3595, 735-9593, 735-9594, 735-9595Fax 735-9592
QUINTIN PAREDES524 Enterprise Bldg. Quintin Paredes St., corner Carvajal St., Binondo, Manila243-4042,243-4043,243-4044Fax 243-4041,243-9687
QUIRINO PACOCRS Tower corner Perdigon St., Pres. Quirino Avenue, Paco, Manila561-7305, 562-2153Fax 561-7304
RIZAL AVENUE2502-2504 Rizal Avenue corner Cavite St., Sta. Cruz, Manila781-9976, 732-7483, 732-7451, 732-9848Fax 740-3274
RIZAL AVENUE - BAMBANG1607 Alvarez St. corner Rizal Avenue, Sta. Cruz, 1003 Manila711-8811, 493-6160, 711-9042Fax 711-7734
RIZAL AVENUE - BATANGAS ST.2200 Rizal Avenue corner Batangas St., Sta. Cruz, Manila493-6172, 731-5962, 731-3671, 731-3667, 741-8734Fax 731-3671
ROBINSON’S PLACE - MANILAG/F Robinson’s Manila corner Pedro Gil M. Orosa St., Ermita, Manila536-7901, 536-7902, 525-6430, 536-0331Fax 536-7898
ROXAS BLVD. - R. SALASS & L Bldg., Roxas Blvd. St. corner Romero Salas St., Ermita, Manila524-8469, 450-8300, 536-7697Fax 450-8297
SALES ST. - RAON545 Sales St. corner G. Puyat St., (Raon) 1016 Sta. Cruz, Manila733-6679, 733-7785, 733-7866, 488-2651Fax 733-6673
SAN ANDRESSan Andres corner A. Linao St., Malate, Manila525-6658, 525-6633, 484-2237Fax 525-6429
SM CITY MANILALG/F SM City Manila, Concepcion corner Arroceros and San Marcelino Sts., Manila524-7788, 524-7787, 524-7978, 524-7801Fax 524-7788
SM CITY SAN LAZAROFelix Huertas corner A. H. Lacson St., Sta. Cruz, Manila741-5603, 731-5682, 711-6922, 743-3910Fax 743-1310
SM HYPERMARKET ADRIATICOG/F SM Hypermarket Adriatico, M. Adriatico St., Manila559-7961, 559-7962, 559-7964Fax 559-7963
SOLERU-1118 & 1120 Gracetown Bldg. corner Soler & Alvarado Sts., Binondo, Manila243-7819, 243-6915, 245-0286Fax 244-7624
SOLER - REINA REGENTE1087 Soler St., Binondo, Manila244-1146, 244-1165, 244-1166Fax 243-5827
STO. CRISTO475-477 Kim Siu Ching Foundation Bldg. Sto. Cristo St., Binondo, Manila242-4247, 242-2687, 242-0498, 243-4849, 243-4796, 559-9388Fax 242-2672
STO. CRISTO - COMMERCIONo. 686 Sto. Cristo St. Binondo, Manila242-5380, 242-5382, 242-5383Fax 242-2869
TABORA859-861 L & J Bldg. Tabora St., Divisoria, Manila243-2148, 243-0419, 241-9441Fax 242-0154
2010 Annual Report
45
TAFT - PEDRO GIL1430 Taft Avenue, Manila536-1215, 536-1117, 536-1119Fax 536-1118
TAFT - VITO CRUZBankard Bldg., 2422 Taft Avenue, 1004 Malate, Manila523-1869, 523-1223, 523-1135, 484-4250Fax 526-0034
TAFT AVENUE - J. NAKPIL1747 Taft Avenue corner J. Nakpil St. Manila521-1226, 522-0902Fax 521-1675
TAFT AVENUE - PRES. QUIRINOG/F FFW Bldg. 1943 Taft Avenue, Malate, Manila523-2654, 523-2657, 526-4068, 526-4071Fax 523-2640
TAYUMANG/F Delton Bldg. 1808 Rizal Avenue, Sta. Cruz, Manila749-5078, 732-9052, 732-9866Fax 749-5078
TONDO - GAGALANGINJuan Luna St. corner Paez St.,Gagalangin , Tondo Manila252-8499, 256-5542, 256-6536Fax 256-4839
TONDO - PRITIL1815 N. Zamora St. 1012 Tondo, Manila255-1050, 252-5762, 524-5028Fax 254-5248
TUTUBANDS 17-18 Tutuban Prime Block, Tutuban Center, C.M. Recto, Manila251-1601, 251-1602, 254-3438, 254-3404, 251-1676Fax 254-0768
TUTUBAN CENTERMALLM1-B055, G/F Centermall Bldg., Tutuban Center, C. M. Recto Avenue, Manila254-4503, 254-4586, 254-4354, 252-4858Fax 252-4236
U.N. AVENUEPuso ng Maynila Bldg., UN Avenue corner A. Mabini St. Ermita, Manila524-1734, 524-1783, 524-0306, 536-9850, 525-2436Fax 524-1755
U.N. AVENUE - J. BOCOBOEBC Bldg., UN Avenue corner J. Bocobo St., Ermita, Manila524-9661, 524-9662, 524-9663, 524-9664, 524-9665, 524-6530, 525-2069, 525-2003, 521-2721Fax 525-2033
U.N. AVENUE - PHILAMLIFEUnit G-2b (Sec. B) Times Plaza Bldg., Taft Avenue corner United Nations Avenue, Ermita, Manila404-1403, 404-1430, 404-1436Fax 404-1447
ZURBARANRizal Avenue corner Fugoso St., Sta. Cruz, Manila734-1544, 734-1563, 735-0636Fax 735-0710
M A R I K I N A
MARIKINA - BAYANBAYANANBDO Bldg., Bayanbayanan Avenue corner Molave St., Concepcion, Marikina997-3824, 997-3832, 997-3834, 934-2715Fax 997-3833
MARIKINA - CALUMPANGFlorida I Bldg., J.P. Rizal corner M.A. Roxas St., Calumpang, Marikina City682-5492, 681-9750, 682-0870Fax 646-6212
MARIKINA - CONCEPCION 31 Bayan-Bayanan Avenue, Concepcion, Marikina City933-6395, 941-1888, 941-5851, 942-3399Fax 942-0433
MARIKINA - GIL FERNANDO AVENUEGil Fernando Avenue corner Dragon St., Marikina City647-8081, 647-7825, 645-7880Fax 647-7764
MARIKINA - J.P. RIZAL314 J. P. Rizal St. Sta. Elena, Marikina City646-1798, 646-1799, 646-8533Fax 646-1796
MARIKINA - LAMUANJ.P. Rizal St. near corner Malaya St., Brgy. Lamuan, Marikina City948-1270, 948-1276, 948-1924Fax 948-1937
MARIKINA - NANGKAUnit 1A G/F Bldg. 2 Citi Centre Nangka, J.P. Rizal Avenue corner Puerto Rico Avenue, Nangka, Marikina City941-0040, 941-0346, 941-3547Fax 948-8639
MARIKINA - SUMULONG HIGHWAYCorner E. Dela Paz St. Amang Rodriguez Avenue, Sto Nino, Marikina City646-9649, 646-2414, 646-2041, 647-9933Fax 646-9650
SM CITY MARIKINAG/F SM City Marikina, Barangay Calumpang, Marikina City477-1771, 477-1779, 477-1775Fax 477-1776
M U N T I N L U P A
ALABANG - MADRIGAL AVENUEUnits 5 & 6, Molito Commercial Complex, Madrigal Business Park, Madrigal Avenue, Alabang, Muntinlupa City403-3899, 403-3914, 403-6432Fax 403-3910
ALABANG - MUNTINLUPA West Service Road, Alabang, Muntinlupa850-1338, 850-1565, 850-6905, 850-1339Fax 842-1848
ALABANG HILLSRBC Corporate Centre, Don Jesus Blvd. Barangay Cupang, Muntinlupa772-3693, 772-3694, 772-3695, 842-9006Fax 772-3693
AYALA ALABANGG/F Condominium C Unioil Center Bldg. Acacia Avenue corner Commerce Avenue, Ayala Alabang, Muntinlupa772-2722, 772-2919, 772-2932, 772-2893, 807-2412Fax 772-2723, 807-2419
AYALA ALABANG - RICHVILLE CENTERRichville Center 1314 Commerce Avenue Extension, Madrigal Business Park, Ayala Alabang, Muntinlupa809-3322, 809-3323, 809-3330, 809-4191, 807-3419Fax 809-3868
FILINVEST - ALABANGG/F Insular Life Corporate Centre, Corporate Avenue, Filinvest Corporate City, Alabang, 1781 Muntinlupa City771-2157, 771-2158, 771-2209, 771-2173Fax 771-2159
MUNTINLUPA - POBLACIONG/F Elizabeth Center Bldg., National Road, Poblacion, Muntinlupa861-4366, 861-4367Fax 861-4364
SM SUPERCENTER MUNTINLUPAUG/F SM Supercenter Muntinlupa, Barangay Tunasan, National Road, Muntinlupa City659-1624, 659-1625, 659-1627, 659-1628Fax 659-1626
STARMALL - ALABANGUnit G33, Manuela Metropolis, South Super Highway, Alabang Interchange, Muntinlupa City807-2290, 807-2291, 807-2286, 807-2288Fax 807-2289
TIERRA NUEVA - ALABANGSycamore Arcade, Alabang-Zapote Road, National Road, 1702 Alabang, Muntinlupa City807-4759, 842-1406, 842-3255Fax 807-4755
N A V O T A S
NAVOTASSeafront Commercial Bldg., North Bay Blvd., Navotas282-7368, 282-7369, 283-8352, 283-2610Fax 282-6535
NORTHBAY - VIRGO DRIVEMelandrea III Bldg., Northbay Blvd. near corner Virgo Drive, Navotas, MM282-9801, 282-9802, 282-9803, 282-9804Fax 282-1009
P A R A Ñ A Q U E
A. SANTOS - SOUTH EXPRESSWAYUnits E & F, 8385 Dr. A. Santos Avenue, Parañaque, MM829-4178, 829-4180, 829-4181Fax 829-4179
A. SANTOS - ST. JAMES8406 A. Santos Avenue, Sucat, Parañaque City 1700820-8210 to 12 , 820-3445 & 46Fax 826-9401
AIRPORT ROADAirport Road corner Quirino Avenue, Baclaran, Parañaque City851-8501, 854-5285, 854-4806Fax 854-1898
BACLARAN - REDEMPTORIST ROADRedemptorist Road, Baclaran, Parañaque, MM852-5169, 833-2844, 832-0045, 854-0685Fax 832-0042
BETTER LIVINGDoña Soledad Avenue corner France St., Better Living, Parañaque City776-1161 to 64Fax 776-1162
BETTER LIVING - BICUTAN43 Doña Soledad Avenue, Better Living Subdivision, Don Bosco, Parañaque, Metro Manila824-6767, 824-6769, 824-6770, 824-6771Fax 823-6338
BF HOMES - AGUIRRERGM Bldg., 326 Aguirre Avenue, BF Homes, Parañaque788-0674, 825-0044, 820-2730Fax 825-0045
BF HOMES - PARAÑAQUE65 President’s Avenue Plaza near corner Aguirre Avenue, BF Homes, Parañaque City809-9385, 809-8778, 809-8083Fax 809-8861
BICUTAN - SOUTH SUPER HIGHWAYColumbian Motors Compound, Km 16 West Service Road, South Super Highway, Bicutan 1700 Parañaque, MM823-3964, 823-6965, 823-5486Fax 823-3932
DR. A. SANTOS AVENUELT Bldg. Dr. A. Santos Avenue, Parañaque City 825-1381, 820-6792, 820-6439, 820-1855Fax 825-1364
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Branch Directory
PARAÑAQUE - LA HUERTA0422 Quirino Avenue corner J. Ferrer St., La Huerta, Parañaque City 1700829-7906, 826-1087, 826-2368Fax 829-6005
PARAÑAQUE - MOONWALKG/F Seal I Bldg., Armstrong Avenue corner Yosemite St., Moonwalk Subdivision, Parañaque City776-0692, 776-0691, 776-0694, 776-0695Fax 776-0690
PARAÑAQUE - N. AQUINO AVENUEJJM Bldg., 2 N. Aquino Avenue, Sto. Niño, Parañaque, MM854-4789, 854-4791, 854-4787Fax 854-4792
PARAÑAQUE - PASCOR DRIVESky Freight Bldg., Ninoy Aquino Avenue near corner Pascor Drive, St. Niño, Parañaque City852-3102, 853-1249, 853-0292Fax 854-3410
PRESIDENT’S AVENUE - BF PARAÑAQUEPresident’s Avenue corner J. Elizalde St., BF Homes Parañaque, MM809-1677, 807-7068, 842-7395Fax 850-8571, 850-8572
SM CITY BICUTANLG/F SM City Bicutan, Doña Soledad Avenue corner West Service Road, Parañaque City777-9262, 777-9263, 777-9264, 823-7167, 823-7163, 821-3254Fax 777-9261
SM CITY SUCAT AG/F SM Supercenter Sucat, Parañaque City825-6862, 825-6224, 826-6787Fax 825-6728
SM CITY SUCAT BG/F Annex Bldg B, SM City Sucat,Dr. A. Santos Avenue, Parañaque City820-6737, 825-3739, 825-3467, 820-7104Fax 825-2967
SUCATParañaque Cable TV Bldg., #8210 Dr. A. Santos Avenue, Parañaque825-6861, 829-1630, 820-1626, 820-1620, 820-1621, 820-1615Fax 820-1617
SUCAT - VILLA MENDOZA Dr. A. Santos Avenue corner Villa Mendoza Subd., Sucat Rd., Parañaque820-0019, 826-5789, 825-5871Fax 826-6487
P A S A Y
BACLARAN2987 Taft Avenue Extension, Pasay City854-5401, 832-5030, 853-5136Fax 831-2231
BUENDIA - TAFT317 Sen. Gil Puyat Avenue, Pasay City551-0243, 832-7200, 524-6642Fax 831-3342
EDSA - PASAY507 EDSA corner B. Garcia St., 1300 Pasay City831-7741, 833-7016, 831-0035, 833-6832Fax 831-4493
EDSA - TAFTEDSA corner Zamora St. Pasay City833-1505, 833-0996Fax 833-1448
LEVERIZA - LIBERTAD212 Libertad St., Pasay City, Metro Manila833-1143, 831-8190, 834-8783, 831-5889Fax 833-1149
NAIANinoy Aquino International Airport, Arrival Lobby, Pasay City 879-6201, 879-6202, 8771-4057Fax 879-5196
NEWPORT CITYG/F Newport Office Bldg. 1, Newport City, Pasay City556-0623, 556-0043, 804-0116Fax 556-0040
OneE-COM CENTERG/F OneE-com Center, Palm Coast Avenue, Mall of Asia Complex, Pasay City556-4267, 556-4268, 556-4269Fax 556-4270
PASAYLibertad corner Colayco St. Pasay City551-6877, 556-6068, 551-2513, 551-6876, 831-0593, 551-4475, 831-0502Fax 831-0502, 551-4475
PASAY - DOMESTIC ROADCaltex Compound (PDSC / Park ‘N Fly Bldg.) NAIA corner Domestic Road, 1300 Pasay City851-2230, 851-5360, 851-5361, 851-2242Fax 851-2210
RESORTS WORLD MANILANewport Blvd., Newport City, Pasay City836-4310, 836-4313, 836-4315Fax 836-9937
SM CORPORATE OFFICESBldg 104 J.W. Diokno Blvd., Mall of Asia Complex, Pasay City833-6710, 833-7378, 833-8702Fax 833-6469
SM MALL OF ASIA AG/F Main Mall, SM Mall of Asia, J.W. Diokno Blvd., Mall of Asia Complex, Pasay City556-0013 to 15Fax 556-0014
SM MALL OF ASIA BG/F Entertainment Mall, SM Mall of Asia, J.W. Diokno Blvd., Mall of Asia Complex, Pasay City556-0017, 556-0018, 556-0019, 556-0021, 900-2035Fax 556-0020
TAFT - LIBERTADMCF Bldg. 2250 Taft Avenue corner College Road, Pasay City831-6630, 831-5808, 551-9238Fax 833-3069
P A S I G
ADB AVENUE ORTIGASRobinson’s PCIBank Tower, ADB Avenue, Ortigas Center, 1600 Pasig City634-2116, 634-2125, 634-2131, 634-2124Fax 634-2119
CAPITOL - PASIG125 Shaw Blvd. Corner Danny Floro St., Pasig City636-3820, 636-3822, 636-3824, 634-1328Fax 634-1330
EMERALD AVENUEG/F Unit 101 Taipan Place, Don Francisco Ortigas Jr. Road, Pasig635-4117, 914-3544, 637-7329, 634-7957Fax 634-2014
JULIA VARGASIBP Bldg. Julia Vargas Avenue, Ortigas, Pasig City638-7767, 637-6610, 637-6606, 687-6157, 638-7771, 687-5835, 687-6339Fax 638-7770
MERALCO - ORTIGAS Meralco Compound, Ortigas Avenue, 1604 Pasig City162-26009, 162-26002, 162-26096, 631-5853, 631-5655Fax 631-6360
ORTIGAS - EXCHANGE ROADG/F, PSE Center, Exchange Road, Ortigas Commercial Complex, Pasig City636-3729, 635-2902, 635-2903, 635-2904, 635-2905, 636-6153Fax 636-3728, 636-3729
ORTIGAS - OCTAGON CENTREG/F Octagon Centre, San Miguel Avenue, Ortigas Center, Pasig City706-5576, 706-5575Fax 706-5582
ORTIGAS AVENUE EXT. - PASIG Along Ortigas Avenue Extension, Rosario, Pasig City643-6799, 916-7455, 640-5270, 640-5271, 640-5272Fax 916-7454
ORTIGAS AVENUE EXT. - ST. JOSEPH15 A. Ortigas Avenue Extension corner Monaco St., Pasig City656-1080, 656-1082, 655-0368Fax 655-0368
PASIG - A. MABINIG/F CFM Bldg. No. 97 A. Mabini St., Pasig City641-2298, 642-3755, 641-4168Fax 642-6834
PASIG - CARUNCHO AVENUESG Bldg., Caruncho Avenue corner Market Avenue, Pasig City641-1294, 641-5275, 643-5745Fax 643-5745
PASIG - KAPASIGAN Mariposa Arcade, A. Mabini corner Dr. Pilapil St. Pasig City641-0557, 640-1633, 640-1643Fax 640-0564
PASIG - KAPITOLYOG/F A. B. Sandoval Bldg. Shaw Blvd. corner Oranbo Drive, Pasig City638-2130, 638-2132, 634-1329, 638-2129 637-2256Fax 637-2256
PASIG - MANGGAHAN Amang Rodriguez Avenue, Manggahan, Pasig City646-3177, 681-1844Fax 681-1842
PASIG - MERALCO AVENUE G/F One Corporate Centre, Julia Vargas Avenue corner Meralco Avenue, Pasig City470-9780, 470-8019, 470-9834Fax 470-8021
PASIG - PIONEERPioneer Centre, Pioneer St. corner United & Brixton St., Kapitolyo, Pasig City638-8574, 638-8575, 638-8577Fax 738-5981
PASIG - VALLE VERDEG/F Reliance Center, No. 99 E. Rodriquez Jr. Ave., Bo. Ugong, Pasig City584-5178, 584-5174, 584-5176Fax 584-5182
PASIG BLVD. EXT. - ROSARIOAlong Pasig Blvd. Extension, Rosario, Pasig City642-8406 to 09Fax 641-5828
ROBINSON’S - METRO EASTLevel 1 (L1 160 & 162), Robinsons Metro East, Marcos Highway, Pasig City682-9112 to 17Fax 682-9114
ROCKWELL - ORTIGASLevel 1, Tower 2, The Rockwell Business Center, Ortigas Avenue, Pasig City470-3243, 470-4802, 470-9661, 470-3051Fax 470-3081
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SAVEMORE - AMANG RODRIGUEZG/F Savemore Amang Rodriquez, GBU Bldg., Amang Rodriquez Ave. cor. Evangelista St., Brgy. Santolan, Pasig City646-5762, 646-4195, 645-8491Fax 647-5965
SHAW - PASIG BLVD.145 Pasig Blvd., Pasig City661-3601, 661-3602, 661-3603Fax 661-3604
SHAW BLVD. - ESCRIVA DRIVEAmber Square, Shaw Blvd. near corner Escriva Drive, Pasig City470-7189, 470-7198, 470-7204Fax 470-7186
SILVER CITY - PASIGL1-012, L1-013 & L1-014, Level 1, Auto Mall, Frontera Verde Drive corner Julia Vargas St., Ortigas, Pasig City638-5399, 637-2634, 497-2523, 633-2065Fax 633-7176
SIXTO ANTONIO - PASIGSixto Antonio Avenue corner R. Bedaña St., Pasig City640-3411, 640-1197, 641-0620Fax 641-0619
SM SUPERCENTER PASIGG/F SM Supercenter Pasig, Frontera Verde, Ortigas Center, Pasig City637-7326, 637-7952, 637-8536, 637-9239Fax 637-7326
STRATA 100 - ORTIGASG/F Strata 100 Bldg., Don Francisco Ortigas Jr., Pasig City631-2848, 638-3669,631-2851, 914-3846, 638-3670Fax 632-7084
P A T E R O S
PATEROS - ELISCO ROAD East Mansion Homes, Phase I, Elisco Road, Sto. Rosario East, Pateros641-4729, 641-3542, 642-9587, 385-0942Fax 641-8927
PATEROS - POBLACIONG/F Milaor Bldg., Almeda St., Poblacion, Pateros643-9456, 643-9458, 643-9463, 643-9465Fax 643-9467
Q U E Z O N C I T Y
A. BONIFACIO AVE. - BALINTAWAK960 A. Bonifacio Avenue, Balintawak, Quezon City442-2232, 442-2234, 442-2233Fax 442-2231
ABS CBN - MOTHER IGNACIA ST.Stall No. 25 South Wing, G/F ELJCC Bldg. Sgt. E.A. Esguerra Avenue corner Mother Ignacia St., Quezon City925-6731 to 35Fax 925-6736
ACROPOLIS - E. RODRIGUEZ JR.G/F ACO Bldg., 191 E. Rodriguez Jr. Avenue, Bagumbayan, Quezon City637-5362, 440-4370, 440-4371, 440-4372Fax 440-4368
ANONAS - KAMIASSecurity Bank Bldg., Anonas St. corner K-6 St., East Kamias, 1102 Quezon City921-2408, 922-6603, 925-5315Fax 922-0460
AURORA BLVD. - ANONAS Manahan Bldg. Aurora Blvd. corner Anonas Avenue, Quezon City421-3814, 421-3816Fax 421-3813
AURORA BLVD. - BROADWAY CENTRUM Broadway Centrum Condominium, Aurora Blvd. corner Doña Juana Rodriguez St., 1112 Valencia, Quezon City725-7250, 727-4522, 726-9372, 726-6238Fax 724-4821
AURORA BLVD. - HEMADY 708 Aurora Blvd. corner Hemady St., New Manila, 1110 Quezon City723-5372, 724-6185, 412-0054, 724-8909Fax 721-8665
AURORA BLVD. - NOTRE DAME0137 Aurora Blvd. corner Notre Dame St., Cubao, 1110 Quezon City911-9108, 913-5024, 913-5025, 913-5026, 913-5020, 912-0464Fax 911-9833
AURORA BLVD. - YALE Aurora Blvd. corner Yale St., Cubao, Quezon City912-2720, 912-2715, 911-9261, 438-6505, 995-7046Fax 911-8892
BANAWE - AGNO 202-204 Banawe corner Agno St., 1103 Quezon City712-4774, 743-3432, 712-4760, 413-6471, 413-6470Fax 712-4742
BANAWE - AMORANTO650 N. S. Amoranto Avenue corner Banawe St., Quezon City743-4952, 415-9864, 415-9865, 712-4702, 741-0114, 741-0115, 741-3745Fax 731-9149
BANAWE - KITANLAD23-25 Banawe corner Kitanlad, Quezon City740-3285, 732-2065Fax 732-9620
BANAWE - N. ROXAS71 Nicanor Roxas St. corner Banawe St., Quezon City743-7555, 743-7545, 743-7552, 743-7572Fax 743-3459
COMMONWEALTHG/F Teresita Bldg. Holy Spirit Drive, Don Antonio Heights, Quezon City932-4717, 932-8764, 932-3398Fax 932-9286
COMMONWEALTH - DON ANTONIODon Antonio Sports Center, Don Antonio (former Holy Spirit Drive), Don Antonio Heights Subdivision, Quezon City931-1359, 931-5212Fax 931-3215
CONGRESSIONAL - MINDANAO AVENUECongressional Avenue Extension corner Mindanao Avenue, Quezon City925-2626, 925-2629, 925-2630, 925-2631, 455-2394, 455-1498Fax 925-2627
CONGRESSIONAL AVENUEThe Excelland System I Congressional Avenue, Quezon City920-5613, 454-9560Fax 920-5614
CORINTHIAN GARDENSBDO Leasing Center, Ortigas Avenue, Quezon City636-1758, 631-8683Fax 632-9005
CUBAO - GENERAL ARANETAG/F Philamlife Cubao Bldg., Aurora Blvd. corner Gen. Araneta Malvar Avenue, Cubao, Quezon City913-4474, 913-4438, 912-5381Fax 912-5384
DEL MONTE - SIENNA409 Del Monte Avenue, Quezon City 1105367-1642, 414-7373, 366-9152, 367-1640, 414-9000, 414-9001Fax 367-1641
DEL MONTE AVENUE63 Del Monte Avenue, Barangay Manresa, Quezon City367-1678, 365-1653, 366-1689, 365-1651Fax 413-4882
DILIMAN - CAPITOL HILLS16 Capitol Hills Drive, Old Balara, Diliman, Quezon City932-4817, 932-3550, 932-8493, 932-1615Fax 932-8493
DILIMAN - MATALINOG/F J & L Bldg., Matalino St., Diliman, Quezon City921-9956, 434-2763,434-2764, 434-2765Fax 434-2768
E. RODRIGUEZ1162 E. Rodriguez Sr. Avenue, New Manila, Quezon City724-4203, 724-3977, 722-1009, 725-2408Fax 724-3983
E. RODRIGUEZ - WELCOME ROTONDAG/F AEK Bldg., 40 E. Rodriguez Sr. Avenue, Don Manuel, Quezon City742-7028, 741-0281, 742-6880, 741-2179Fax 742-7028
EASTWOOD CITY - E. RODRIGUEZ JR. AVE. Magnitude Commercial Arcade, E. Rodriguez Jr. Avenue, Bagumbayan, Quezon City911-1929, 421-6913, 421-6914Fax 421-6915
EASTWOOD CITY - IBM PLAZA G/F IBM Plaza Eastwood City, E. Rodriguez Jr. Avenue, Bagumbayan, Quezon City911-3679, 911-9853, 421-0530, 395-1017Fax 421-0528
EASTWOOD CITY - TECHNOPLAZA G/F Techno Plaza-One, Eastwood City, Bagumbayan, Quezon City667-3160, 440-1797Fax 667-3054
EDSA - BALINTAWAKUnit 17-19 ANPN Plaza KM. 12 EDSA, Balintawak, Quezon City330-1712, 330-1657, 455-5808, 455-5807, 330-9622Fax 455-5806
EDSA - NEW FARMERS PLAZAUnit 1-B, G/F New Farmers Plaza, General Roxas Ave., Araneta Center, Cubao, Quezon City995-0206, 995-0207Fax 995-0206
EDSA - NEW YORK EDSA corner New York St., Cubao 1111 Quezon City437-3646, 912-3670Fax 437-3645
EDSA - CUBAO596 Simeon Medalla Bldg. corner Gen. McArthur Avenue, EDSA, Quezon City911-1235, 912-1750, 911-1249Fax 911-1239
FAIRVIEWDon Mariano Marcos Avenue, Fairview, Quezon City938-2712, 938-2503, 937-8436Fax 939-9898
G. ARANETA - BRIXTON HILL G/F ILO Bldg. 195 G. Araneta Avenue, Quezon City714-3546, 714-3988, 715-3005, 714-7688Fax 714-3547
GLORI - DEL MONTE627 Del Monte Avenue, San Francisco Del Monte, Quezon City367-7159, 365-6801, 365-6802, 367-7169Fax 365-6804
ISIDORA HILLSBDO Bldg., Pook Ligaya Riding Grd., Interneighborhood Rd., Isidora Hills Subdivision, Brgy. Holy Spirit, Quezon City951-7744, 951-7742, 951-7741, 951-7743Fax 430-2101
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Branch Directory
KAMIAS ROADTrinidad Bldg., Kamias Road corner K-J St., Quezon City426-4414, 426-4415, 426-4416Fax 426-4417
KATIPUNAN - XAVIERVILLE G/F Xavierville Square Condominium, 38 Xavierville Avenue, Loyola Heights Quezon City434-1019, 929-8069, 929-8077Fax 929-8028
LOYOLA HEIGHTS - BERKELEY RESIDENCES G/F Berkeley Residences, Katipunan Avenue corner Escaler St., Loyola Heights, Quezon City426-0201, 426-6546, 434-8546, 426-6812, 426-0240Fax 426-0237
MAYONG/F Alpha Bldg. 174 Mayon St. La Loma, Quezon City414-3606, 414-3607, 740-9164, 742-7679, 742-7675Fax 732-9673
MAYON - AMORANTO489 Units A & B Mayon St., Sta. Mesa Heights, Quezon City742-6013, 742-5201, 749-1629Fax 413-3697
MAYON - N. ROXASNo. 241 Mayon Avenue corner Nicanor Roxas St., 1161 Quezon City740-2118, 743-8936, 743-8939Fax 740-2058
MEZZA RESIDENCESG/F Mezza Residences, Aurora Blvd. corner Araneta Ave., Guirayan St., Brgy. Doña Imelda, Quezon City516-0755, 516-0756, 516-0757Fax 516-0753
MUÑOZ - ROOSEVELT328 Mesa Holdings Bldg., San Francisco Del Monte, Quezon City372-6689, 411-0475, 376-4682, 411-0405Fax 373-9690
NEW MANILA - E. RODRIGUEZ SR.Unit 1G & 2E, 284 Doña Anita Bldg., E. Rodriguez Sr. Avenue, Quezon City410-6651, 410-6653, 725-8107Fax 410-6654
NOVALICHES1016 Quirino Highway Town Proper, Barangay Monica Novaliches, Quezon City939-8468, 939-8590, 938-0225Fax 939-8588
NOVALICHES - FOREST HILLSLot 2 D 1 Quirino Avenue, Novaliches, Quezon City937-1313, 937-0989, 935-4636, 936-1345, 417-3432Fax 937-1152
NOVALICHES - LAGRO Lot 2-B-6 (LRC) PSD-341349, Quirino Highway, Lagro, Novaliches, Quezon City935-4892, 935-4893, 935-4890, 935-4891, 935-4895Fax 935-4890
NOVALICHES - ZABARTEG/F C.I. Plaza, 1151 Quirino Highway corner Zabarte Road, Brgy. Kaligayahan, Novaliches, Quezon City461-6091, 461-6142, 461-6144Fax 461-6092
PITIMINI - ROOSEVELTEBC Bldg. Roosevelt Avenue, corner Pitimini St., SFDM, Quezon City412-1745, 412-6137, 412-6738, 372-5988Fax 372-5987, 373-7171
PROJECT 8 - SHORTHORNBDO Bldg., No. 41 Shorthorn St., Barangay Toro, Project 8, Quezon City926-0840, 926-0819, 926-0820, 926-0839, 453-1248Fax 926-0827
Q. I. - E. RODRIGUEZ, SR.G/F Ablaza Bldg., 117 E. Rodriguez Avenue, Quezon City740-1091, 740-1906, 742-1340, 411-1091Fax 732-8290
QUEZON AVENUE - ARANETA 103 Aries Bldg. Quezon Avenue, Quezon City712-3411, 712-3522, 731-2354, 410-2884Fax 712-3522
QUEZON AVENUE - CORDILLERA No. 37 Quezon Avenue corner Cordillera St., Quezon City731-7284 to 86, 412-3785, 412-3784, 413-2317, 413-2316Fax 731-7286
QUEZON AVENUE - HEROES HILLS1052 Quezon Avenue, 1103 Quezon City372-4919, 413-3779, 372-4916, 372-4936, 372-9528Fax 372-4917
ROBINSON’S GALLERIA - ORTIGASRobinson’s Galleria, Ortigas Avenue, 1602 Quezon City632-9880, 632-9881, 635-2112, 910-5484, 632-9822, 632-9879, 632-9821, 635-7726Fax 632-9866
RUSTAN’S CUBAORC-01A Times Square Avenue near corner Gen. Roxas St. Araneta Center, 1109 Quezon City438-5564, 438-5565, 438-5566Fax 438-5564
SAVEMORE - NOVALICHESSavemore Novaliches, General Luis St., Novaliches, Quezon City938-2432, 938-8082, 938-8084Fax 938-3170
SCOUT ALBANO - QUEZON AVENUE1488 Quezon Avenue, 1103 South Triangle, Quezon City373-1611, 410-8093, 372-3309, 410-8092, 372-3321,416-6264, 416-6496Fax 410-8092
SCOUT LIMBAGA - T. MORATO102 & 103, The Forum, Tomas Morato Avenue corner Sct. Limbaga St., 1103 Quezon City929-4596, 922-6623, 928-1982Fax 928-9671
SM CITY FAIRVIEW AQuirino Highway corner Regalado St. Fairview, Quezon City935-0042, 939-5015, 935-0041, 937-8925, 938-4271Fax 938-4691
SM CITY FAIRVIEW BSM City Fairview, Quirino Highway corner Regalado Avenue, Fairview, Quezon City935-0688, 417-9022Fax 417-1056
SM CITY FAIRVIEW CLGF, Annex 2, SM City Fairview, Quirino Highway corner Regalado Avenue, Fairview, Quezon City355-2401, 355-2403, 355-2404, 355-2405Fax 355-2402
SM CITY NORTH EDSA AG/F The Block SM City North EDSA corner North Avenue, Quezon City928-4329, 928-3243, 929-2173, 927-9813, 426-4605Fax 927-8774
SM CITY NORTH EDSA BSM City North EDSA Annex I Bldg., North Avenue corner EDSA, Quezon City426-3909, 456-6580, 925-5604Fax 920-2972
SM CITY NORTH EDSA CSM Center Complex North EDSA, 1105 Quezon City456-6578, 456-6579, 927-8645, 926-2090Fax 928-6932
SM CITY NOVALICHESG/F SM City Novaliches, Quirino Highway, Novaliches, Quezon City442-5300, 442-5302, 442-5303, 442-4520Fax 442-5301
SM CITY STA. MESASM City Sta. Mesa Annex Bldg. Aurora Blvd. Quezon City715-0547, 714-4678, 715-0537, 713-4915, 715-7476, 715-0559, 714-4676, 716-0619, 713-4916, 716-0343, 716-0344Fax 715-0543
SM CUBAOG/F SM Cubao, Cubao, Quezon City911-0558, 911-3538, 911-8410, 912-5632, 912-5631Fax 912-6687
SM HYPERMARKET CUBAOEDSA corner Main St.Cubao, Quezon City421-1689, 421-1690, 421-1691, 912-6173Fax 421-1691
ST. IGNATIUS - KATIPUNAN134 Katipunan Avenue, St. Ignatius Village, Quezon City912-8133, 437-1212, 437-1213, 912-8177Fax 437-1211
STO. DOMINGO6 Sto. Domingo Avenue, Quezon City732-2934, 732-6219, 742-6448, 732-2917, 732-6219, 712-1540Fax 712-5294
STO. NIÑO ST. - ROOSEVELT 284 Roosevelt Avenue, San Francisco Del Monte, 1105 San Antonio, Quezon City411-1475, 410-8079, 410-8080, 372-5802, 373-5055, 374-2654Fax 372-2310
TANDANG SORATandang Sora Avenue corner Marcel Road, Quezon City938-7786, 930-6533Fax 456-3724
TANDANG SORA - TAGUMPAYM & J Bldg., 578 Tandang Sora Avenue corner Tagumpay St., Barangay New Era, Quezon City951-4227, 456-7473, 456-7472, 932-7877Fax 456-7473
TEACHER’S VILLAGEG/F Luisa 2 Bldg., 107 Maginhawa St., Teacher’s Village, Quezon City433-6780, 433-8720, 433-8716, 433-6805Fax 433-8716
TIMOG26 Cedar Executive Bldg. Timog Avenue corner Scout Tobias St. Quezon City413-4112, 414-8347, 372-6647, 376-3450Fax 372-6648
TIMOG - EDSANo. 134 Timog Avenue, 1103 Quezon City928-4268, 928-4269, 922-9031Fax 928-4263
TIMOG - ROTONDAG/F Imperial Palace Suites Tomas Morato corner Timog Avenue, South Triangle, Quezon City928-3168, 920-7875Fax 928-3109
TIMOG - VICTORIA TOWERSUnit F-2 & F-3 Victoria Towers, Timog Avenue corner Panay Avenue, Quezon City332-1606, 332-1346, 332-1568, 332-1603Fax 410-1940
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49
TOMAS MORATO - KAMUNINGCorner Kamuning & Tomas Morato, Quezon City925-7847, 927-8907, 416-1810Fax 416-1809
VISAYAS AVENUEM & L Bldg. Visayas Avenue corner Road 1, Barangay Vasra, Quezon City426-7701, 453-6172, 927-6151Fax 926-9302
VISAYAS AVENUE - PROJECT 657 Visayas Avenue (near Sanville Subdivision), Quezon City929-3648, 927-7373, 924-2238, 455-7220Fax 927-8710
WALTERMART - NORTH EDSAG/F Walter Mart Center - North EDSA, Dangay St., Veterans Village, Quezon City332-1116, 332-1117, 332-1118Fax 332-1115
WEST AVENUE68 Carbal Bldg. West Avenue, Quezon City371-4689, 412-1063, 371-8786Fax 374-2296
WEST AVENUE - BALERG/F Jafer Bldg. 118 West Avenue, Quezon City928-7286, 928-3626, 928-0538, 928-7291Fax 928-3621
WEST AVENUE - DEL MONTENo. 40 West Avenue, 1104 West Triangle, Quezon City412-8049, 371-4672, 371-4673, 371-4669Fax 371-4663
WEST AVENUE - EAST MAYA160 West Avenue corner East Maya Drive, Quezon City411-5426, 410-7611Fax 426-2626
WEST TRADE CENTER - WEST AVENUEUnit #1, G/F West Trade Center, West Avenue, Quezon City925-3447, 415-8947, 415-8948Fax 415-8949
S A N J U A N
BLUMENTRITT - SAN JUANLot 11-B, Block 127 Blumentritt corner Sto. Toribio St. San Juan, Metro Manila723-7360, 744-1277, 744-1278, 744-3464Fax 744-1277
CONNECTICUT53 Connecticut St., Fox Square Bldg., National East Greenhills, San Juan722-6210, 722-9888, 725-3163, 721-0224Fax 727-7415
GREENHILLSGreenhills Shopping Complex, Ortigas Avenue, San Juan, MM721-2730, 721-2750, 721-3451, 722-6816Fax 721-4211, 721-2761
GREENHILLS - ANNAPOLISUnit 101 G/F Vasquez-Madrigal Plaza, Annapolis, Greenhills, San Juan584-1191, 725-3713, 725-6515Fax 725-0508
GREENHILLS - ROOSEVELTEBC Bldg., Ortigas Avenue corner Roosevelt Avenue, Greenhills, San Juan, MM721-3641, 722-7238, 726-7625, 722-1388, 726-7867, 722-7243, 722-7237, 722-7284, 721-8333, 726-7653Fax 726-7835, 721-2574
GREENHILLS - WEST101 Limketkai Bldg. Ortigas Avenue, San Juan, MM721-4414, 726-3660, 726-3732Fax 721-4362
GREENHILLS - WILSON227 Wilson St., corner Don Miguel St., San Juan, MM727-3764, 396-1515, 727-3943Fax 724-5856
GREENHILLS SHOPPING CENTERG/F Jewellery Center, Greenhills Shopping Center, Ortigas Ave., San Juan722-3316, 722-3312, 721-0515, 721-5556, 726-8213, 722-1380Fax 724-2065
ORTIGAS - SAN JUANUnits 102-103 Sunrise Condominium, Ortigas Avenue, 1500 San Juan, MM721-1909, 721-4787, 726-1308, 721-5024Fax 724-9405
ORTIGAS AVENUE 209 Ortigas Avenue, Greenhills, San Juan, MM724-7114, 724-7091, 724-9156, 724-8561, 726-7364, 724-7189, 724-7169Fax 724-7075
SAN JUAN88 N. Domingo St. San Juan, MM725-5019, 724-8036, 744-1751Fax 724-4384
V-MALLG/F New V-Mall, Greenhills Shopping Center, San Juan, MM725-9085, 726-6752, 726-6892Fax 726-6207
T A G U I G
BONIFACIO GLOBAL CITY - BURGOS CIRCLEUnit 1-F & 1-E G/F, Crescent Park Residences, 2nd Avenue corner Burgos Circle, Bonifacio Global City, Taguig City519-5095, 519-7299, 519-0327Fax 519-0450
BONIFACIO GLOBAL CITY - FORT LEGENDSG/F Fort Legends Tower corner 31st Street & 3rd Avenue, Bonifacio Global City, Taguig 856-0637, 856- 0630, 856-0598Fax 856-0609
BONIFACIO GLOBAL CITY - MARKET MARKET Space No. 101 Market Market, Bonifacio Global City, Taguig886-6476, 886-6477, 886-6479, 886-6480Fax 886-6475
BONIFACIO GLOBAL CITY - MC HOME DEPOT G/F MC Home Depot, 32nd St. corner Bonifacio Ave., Bonifacio Global City, Taguig818-1972, 819-0772, 819-1982, 815-2463, 816-1028Fax 818-7905
BONIFACIO GLOBAL CITY - ONE MCKINLEY PLACEG/F One Mckinley Place, 4th Ave. corner 25th St., Bonifacio Global City, Taguig659-6905, 659-7024, 659-7080Fax 403-9085
BONIFACIO GLOBAL CITY - PICADILLY STARG/F Picadilly Star Corporate Center, 4th Ave. cor. 27th St., Bonifacio Global City, Taguig403-3785, 403-3786, 403-3787Fax 403-3784
BONIFACIO GLOBAL CITY - ST. LUKE’SSt. Luke’s Medical Center, Rizal Drive corner 5th Ave. & 32nd St., Bonifacio Global City, Taguig403-3840, 403-3843, 403-3852Fax 403-3848
BONIFACIO GLOBAL CITY - UNIVERSITY PARKWAYG/F Avecshares Center, 1132 University Parkway, Bonifacio North Triangle, Bonifacio Global City, Taguig403-8158, 403-8159, 403-8161Fax 403-8160
C5 - TAGUIGG/F Ridgewood Square, C-5 Avenue, Ususan, Taguig City882-5630, 882-5633Fax 882-5634
FORT BONIFACIO - BAYANI ROADBayani Road corner M. Roxas St., Fort Bonifacio, Taguig843-3094, 843-8695, 843-8466Fax 843-0742
FORT BONIFACIO - MCKINLEY HILLG/F Three World Square, McKinley Hill, Fort Bonifacio, Taguig403-2712, 403-2734, 403-2736Fax 403-2735
V A L E N Z U E L A
KARUHATAN - MACARTHUR HIGHWAYKm. 13 MacArthur Highway, 1441 Karuhatan, Valenzuela, Metro Manila291-4785, 291-1828, 292-1711, 291-4784Fax 291-4783
MALANDAY - MACARTHUR HIGHWAYKm. 17 MacArthur Highway, Malanday, 1405 Valenzuela, Metro Manila443-7539, 443-7540, 443-7541, 277-0111Fax 443-7540
MARULAS - MACARTHUR HIGHWAYLot 16 & 17 MacArthur Highway, Valenzuela, Metro Manila291-6089, 293-2708, 291-6058, 291-6049, 291-6046Fax 293-2711
PASO DE BLAS - NORTH EXPRESSWAY97 Paso de Blas 1400 Valenzuela, MM294-0698, 294-0699, 432-1209Fax 294-0697
SM CENTER VALENZUELAUnit 126 G/F SM Center Valenzuela, MacArthur Highway, Karuhatan, Valenzuela City292-4354, 292-9704, 293-0427, 293-3858Fax 292-2847
VALENZUELAKm. 15 MacArthur Highway, Dalandanan, Valenzuela292-1959, 292-3974, 292-3899, 292-3960Fax 432-0093
VALENZUELA - GEN. T. DE LEONGen. T. De Leon St., Valenzuela City292-3365, 292-3748, 292-3512, 292-3367Fax 292-3738
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200 Branches 457 ATMs
Branch Directory
L U Z O N
LOCATION BRANCHES ATM
Abra 1 1
Albay 5 7
Bataan 1 2
Batangas 17 38
Benguet 6 17
Bulacan 21 39
Cagayan 2 4
Camarines Norte 1 1
Camarines Sur 7 18
Catanduanes 1 1
Cavite 23 85
Ilocos Norte 4 6
Ilocos Sur 3 4
Isabela 5 7
La Union 3 5
Laguna 21 54
Nueva Ecija 11 15
Nueva Vizcaya 1 2
Oriental Mindoro 1 1
Palawan 1 3
Pampanga 18 51
Pangasinan 12 19
Quezon 6 19
Rizal 20 34
Sorsogon 1 1
Tarlac 6 17
Zambales 2 6
ILOCOS NORTE
ILOCOS SUR
LA UNION
CAGAYAN
CAMARINES NORTE
CATANDUANESQUEZONRIZAL
ORIENTAL MINDORO
PALAWAN
LAGUNA
NUEVA ECIJA
PAMPANGA
NUEVA VIZCAYA
PANGASINAN
ISABELA
CAMARINES SUR
ABRA
BENGUET
BULACAN
ZAMBALES
TARLAC
BATAAN
BATANGAS
CAVITE
ALBAY
SORSOGON
*As of March 2011
2010 Annual Report
51
L U Z O N
A B R A
ABRA - BANGUEDUnit 12, The Rosario Bldg., Taft St. corner Magallanes St., 2800 Bangued, Abra(074)752-5273, 752-5274, 752-8094, 662-0001Fax (074)752-8093
A L B A Y
ALBAY - DARAGARizal St., 4501 Daraga, Albay(052) 483-3285, 824-1858, 483-3245, 824-0272, 824-1992Fax (052) 483-3729
ALBAY - POLANGUIProvincial Road cor. Brgy. Road., Brgy. Ubaliw, Polangui, Albay(052) 486-2399, 486-2397(02) 840-7000 loc. 39611, Fax (052) 486-2398
ALBAY - TABACOAlong Ziga Avenue, Tabaco, Albay(052) 487-7755, 487-7777, 487-7744(02) 702-6000 loc. 2807, Fax (052) 830-2380
LEGASPI CITY - RIZAL ST. Rizal corner Gov. Imperial St. Legaspi City(052)481-4481, 481-4482, 820-2528, (02)429-1508, 702-6000 loc. 2181Fax (02)429-1508
LEGASPI CITY - ROTONDARizal St., 4500 Legaspi City, Albay(052) 820-4258, 480-7956,480-6688, 480-7361, 820-2413, 820-1464, (02) 702-6000 loc. 2919Fax (052) 480-7361
B A T A A N
BALANGA - A. BANZONA. Banzon St., City of Balanga, 2100 Bataan(047) 237-2150, 237-2070, (02) 702-6000 loc. 2956Fax (047) 237-4775
B A T A N G A S
BATANGAS - BALAYANAntorcha St., Balayan, Batangas(043) 921-3974, 211-4686, 407-1194, 429-2704(02) 429-2704, 702-6000 loc. 2852Fax (043) 921-1059
BATANGAS - BAUANKapitan Ponso St., Bauan, Batangas(043) 984-1457, 727-1514, 727-1515, (02) 702-6000 loc. 2851Fax (043) 727-1515
BATANGAS - KUMINTANGAlong National Highway, Barangay Kumintang, Ilaya, Batangas City, Batangas(043) 723-1698, 723-4579, (02) 520-6194 Fax (043) 723-1698
BATANGAS - LEMERYIlustre Avenue corner Lakandula St., Lemery, Batangas(043) 411-1803/05, 703-0058(02) 429-2803, Fax (02) 429-2803
BATANGAS - P. BURGOSP. Burgos St. cor. Evangelista St., Brgy. Poblacion, Batangas City(043) 723-1408, 723-3138(02) 584-4337 Fax (02) 520-6173
BATANGAS - PALLOCAN WEST Manuela Pastor Avenue, Pallocan West, Batangas City(043) 723-8047, 980-0529, 723-8376, 723-7814Fax (043) 723-8162
BATANGAS - SAN JUANMarasigan corner Kalayaan St., San Juan, Batangas(043) 575-4319, 341-3034(02) 429-3002 Fax (02) 429-3002
BATANGAS - STO. TOMASMaharlika Highway, San Antonio, Sto. Tomas, Batangas(043) 318-0388, 778-6361, 778-0535, 405-6886 (02) 702-6000 loc. 2978Fax (043) 778-6361
BATANGAS CITY - RIZAL AVENUERizal Avenue corner P. Burgos St., 4200 Batangas, Batangas City(043) 723-5974, 723-5975 to 77, 723-0558, 723-1053 to 54 (02) 520-6191, Avaya loc. 2935Fax (043) 723-1054, (02) 520-6191
LIPA - AYALA HIGHWAY Casa Esperanza Bldg. (Pres. J.P. Laurel) Ayala Highway, Barangay Mataas na Lupa, Lipa City(043) 757-3981, 757-3982, 981-2020, (02) 520-6227Fax (02) 520-6227
LIPA - C. M. RECTO131 C.M. Recto St., 4217 Lipa City, Batangas(043) 756-6847, 756-2313, 756-6848, AVAYA 2949Fax (043) 756-1515
LIPA - ROBINSON’S PLACE Level 1, Space L1-177, Robinson’s Place - Lipa, Ayala Highway, Lipa City, Batangas(043) 757-3062, 981-2018, (02) 702-6000 loc. 2848Fax (043) 757-3062
LIPA - ROTONDACM Recto Avenue, Lipa City(043) 757-0820, 756-2869, 756-2808, (02) 702-6000 loc. 2918Fax (043) 756-3898
SM CITY BATANGASG/F SM City Batangas, Barangay Pallocan West, Batangas City(043) 722-2556, 722-2557, 722-2534, 980-5951, 724-8877 (02) 886-7140, 885-6377Fax (02) 886-7140
SM CITY - LIPAG/F SM City Lipa, Ayala Highway, Lipa City, Batangas (043) 756-4482/85, 756-4474(02) 584-4022/23 Fax (02) 584-4022
TANAUAN - A. MABINIA. Mabini St., Tanauan 4232 Batangas(043) 778-2682, 405-0710, 405-0711Fax (043) 778-0438
TANUAN - J.P. LAUREL HIGHWAYPresident J.P. Laurel Highway corner Sixto Castillo St., Poblacion, Tanauan, Batangas(043) 778-7041 to 44Fax (043) 778-7042
B E N G U E T
BAGUIO - ABANAO SQUAREAbanao Square, Abanao corner Zandueta St., Baguio City(074) 442-6027 to 28, 442-1809 to 11, (02) 702-6000 loc. 2914Fax (074) 442-2791
BAGUIO - LEGARDAOur Lady of Fatima Bldg. Yandoc St., Kayang Extension, Baguio City(074) 442-4063, 442-5638, 443-8720, 446-6352(02) 702-6000 loc. 2594Fax (074) 444-3415
BAGUIO - LUNETA Luneta Hill corner Gov. Pack Road, Session Road, Baguio City(074) 442-8250 to 52, 442-2889, (02) 702-6000 loc. 2079Fax (074)442-8253
BAGUIO - SESSION ROADG/F National Life Bldg., Session Road, Baguio City(074) 442-3818, 443-5028, 443-8137, 443-8201 to 02 (02) 702-6000 loc.2255Fax (074) 444-9924, 442-2583
BENGUET - LA TRINIDADS & B Bldg., Km. 4 Balilli, 2601 La Trinidad, Benguet(074) 422-1092, 422-2461, 309-3685, (02) 702-6000 loc. 2835Fax (074) 422-1092
SM CITY BAGUIOUGF SM City Baguio, Upper Session Road, Baguio City(074) 619-7623 to 28, (02) 702-6000 loc. 2183Fax (074) 619-7624
B U L A C A N
BALIWAG - J.P. RIZALJ.P. Rizal St., San Jose, Baliwag, Bulacan(044) 766-1185, 766-1224, 766-1225, 673-2587 (02) 702-6000 loc. 2861Fax (044) 673-2562, 766-7600
BALIWAG - TAGLE Rizal Street corner Tagle Street, Baliwag, Bulacan(044) 673-0063, 766-1423, 766-1134, 766-1148Fax (02) 711-4697
BULACAN - BALAGTASMacArthur Highway, Barangay San Juan, 3016 Balagtas, Bulacan(044) 693-4342, 693-3406, 918-1402, 918-1254(02) 702-6000 loc. 2860Fax (044) 918-1402
BULACAN - BOCAUE MacArthur Highway, Barangay Biñang 1st, Bocaue, Bulacan(044) 692-4269, 692-4280, 692-4284, (02) 702-6000 loc. 2243Fax (044) 692-4278
BULACAN - HAGONOYG/F Ang Puso ng Hagonoy Shopping Center Plaza, Hagonoy, Bulacan(044)793-0588, 793-3520, (02)702-6000 loc.2977Fax (044) 793-3519
BULACAN - OBANDO J.P. Rizal St., Barangay Catanghalan, 3021 Obando, Bulacan292-2775, 294-0690, 294-3784Fax 294-0689
BULACAN - PLARIDEL Along Cagayan Valley Road, Banga, Plaridel, Bulacan(044) 670-2396, 760-4757, 760-4758, 760-4759Fax (02) 299-8525
BULACAN - PULILAN Doña Remedios Trinidad Highway, Sto. Cristo, Pulilan, Bulacan(044) 676-0494, 676-0225, 815-0577, (02) 702-6000 loc. 2945Fax (02) 299-8329
BULACAN - SAN JOSE DEL MONTENational Highway, Tungkong Mangga, San Jose del Monte City, Bulacan(044) 815-5847, 691-2537Fax (02) 828-1204
BULACAN - SAN RAFAELKm. 60, Cagayan Valley Road, Cruz na Daan, San Rafael, Bulacan(044) 677-1550 to 51, 677-1545, (02) 702-6000 loc. 2864Fax (044) 677-1548
BULACAN STA. MARIA - GOV. F. HALILI NEM Bldg., Gov. F. Halili Avenue, Bagbaguin, Sta. Maria, Bulacan(044) 641-2099, 641-1899, 641-2851, (02) 702-6000 loc. 2812Fax (02) 299-6375
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Branch Directory
BULACAN STA. MARIA - M.G. DE LEON #15 M.G. De Leon St., Poblacion, 3022 Sta. Maria, Bulacan(044) 641-1578, 641-1548, 641-4725, (02) 702-6000 loc. 2829Fax (044) 641-4725
MALOLOS - CONGRESOPaseo Del Congreso, San Agustin 3000 Malolos, Bulacan(044) 791-6286, 662-3411, 662-1388, (02) 732-6839Fax (044) 791-9241
MALOLOS - MACARTHUR HIGHWAYS1 Cabana Space A, The Cabanas Mall, MacArthur Highway, Malolos City(044) 760-4476 to 78 (02) 584-4152Fax (044) 760-4476
MARILAO - MACARTHUR HIGHWAYUnit I-3 Cecilia Commercial Complex, Abangan Norte,MacArthur Highway, 3019 Marilao, Bulacan(044) 711-1609, 760-0475 to 76, 711-3405(02) 702-6000 loc. 2933Fax (044) 711-3405
MEYCAUAYAN - MACARTHUR HIGHWAY Liberty Bldg. MacArthur Highway, Calvario, Meycauayan, Bulacan(044) 721-0820 (02) 702-6000 loc. 2104Fax (044) 228-2853, 935-3815
MEYCAUAYAN - MALHACANBarangay Northern Hills, Malhacan, Meycauayan, Bulacan(044) 695-3927,695-3131,935-1162, 228-3766,(02) 702-6000 loc. 2770Fax (044) 695-3144
MEYCAUAYAN - ZAMORAZamora St., Barrio Calvario, Meycauayan, Bulacan(044) 228-3133, 840-1386,935-2528, 840-5296, (02) 702-6000 loc. 2944Fax (044) 935-25-27
SM CITY BALIWAGG/F SM City Baliwag, Barangay Sto. Cristo, Baliwag, Bulacan(044) 761-0705, 761-0709, 761-0711 (02) 702-6000 loc. 2269Fax (044) 761-0721
SM CITY MARILAOG/F SM City Marilao, MacArthur Highway, Marilao, Bulacan(044) 933-2002 to 04, 711-1330Fax (02) 299-6835
WALTERMART - STA. MARIAG/F Waltermart Sta. Maria Provincial Road corner By Pass Road, Brgy. Sta. Clara, Sta. Maria, Bulacan(044) 641-5185, 641-0265 (02) 299-6383Fax (02) 299-6383
C A G A Y A N
CAGAYAN - APARRI Rizal St. corner R.F Balisi St., Aparri, Cagayan(078) 888-2516, 822-8304, (02) 702-6000 loc. 2847Fax (078) 822-8779
TUGUEGARAO - BONIFACIO ST.Bonifacio St., Tuguegarao, Cagayan(078) 846-2691, 844-2405,(02) 702-6000 loc.2938Fax (078) 844-0708
C A M A R I N E S N O R T E
CAMARINES NORTE - DAETJ. Lukban St. corner Moreno St., Poblacion, Daet, Camarines Norte(054) 440-2500, 721-4300, 440-2488, 440-2499(02) 702-6000 loc. 2806Fax (054) 429-0034
C A M A R I N E S S U R
CAMARINES SUR - PILISantiago, Pili, Camarines Sur(054) 361-0067, 477-3389Fax (054) 477-3390
IRIGA CITY Iriga Plaza Hotel Msgr. Lanuza St., San Francisco, Iriga City, Camarines Sur(054) 299-2329, 655-0305, 299-2380, 299-3649(02) 702-6000 loc. 2834Fax (054) 456-0069
NAGA - GENERAL LUNANos. 80-82 General Luna St. Dinaga, Naga City(054) 811-2891, 811-2846, 473-6731, 473-6639(02) 250-8150, 702-6000 loc, 2073Fax (02) 250-8150
NAGA - MAGSAYSAY AVENUEMagsaysay Avenue, Naga City(054) 473-1215, 473-3136, 811-3843, 811-8320(02) 250-8036 Fax (054) 811-1232
NAGA - PLAZA RIZALGen. Luna St., 4400 Naga City, Camarines Sur(054) 811-2157, 473-9016, 473-8498 (02) 250-8092, 702-6000 loc. 2934 Fax (054) 473-7913
NAGA - SAN FRANCISCO Barangay San Francisco, Peñafrancia Avenue, Naga City(054) 472-6602, 472-6603, 811-8861, 811-8862, (02) 250-8015, 702-6000 loc.2189Fax (02) 250-8015
SM CITY NAGAG/F SM City Naga, Brgy. Triangulo, Central Business District II, Naga City(054) 472-1198, 472-1199, 811-2285, 811-2783Fax (02) 250-8176
C A T A N D U A N E S
CATANDUANES - VIRACSan Juan corner Rizal St., 4800 Virac, Catanduanes(052) 811-2231, Telefax (052) 811-1434
C A V I T E
BACOORFRC Mall Gen. Evangelista St. near corner Zapote-Rotonda, Bacoor, Cavite(046) 870-2759, 870-2760, 417-3446, 417-3496, 417-3314Fax (02) 529-8957
BACOOR - AGUINALDO HIGHWAYGen. E. Aguinaldo Highway, Panapaan, Bacoor, Cavite(046) 417-6702, 417-2998, 417-6782, 417-3169(02) 702-6000 loc. 2271Fax (046) 417-6752
CAVITE - CARMONA Governor’s Drive, Barangay Maduya, 4116 Carmona, Cavite(046) 430-1771, 430-1773, 839-2899, (02) 699-2015, 520-8297Fax (046) 430-1773, (02) 840-7329 loc. 2389
CAVITE - DASMARIÑAS AGUINALDO HIGHWAY G/F Digital Bldg., Gen. Emilio Aguinaldo Highway, Dasmariñas, Cavite(046) 416-4320, 850-4041, 850-2212, 416-6644Fax (046) 850-2214
CAVITE - DASMARIÑAS FCIE Governor’s Drive, Barangay Langkaan, Dasmariñas, Cavite(046) 402-1134 to 35, 402-0151Fax (632) 584-4167, (046) 402-1134
CAVITE - DASMARIÑAS TECHNO PARK Governor’s Drive, Barangay Paliparan I, Dasmariñas, Cavite(02) 529-8137, 529-8138Fax (046) 972-2175
CAVITE - EPZACavite EPZA Compound, 4106 Rosario, Cavite(046) 437-1920, 437-6267, 437-2643Fax (046) 437-6866
CAVITE - GENERAL TRIAS GATEWAY Gateway Business Park, C. Delos Reyes Avenue, 4107 Gen. Trias, Cavite(046) 433-0179, 433-0180, 433-0272, (02) 741-5138Fax (046) 433-0178
CAVITE - IMUS ANABUGen. Aguinaldo corner Ambrosia Road, Anabu I, Imus, Cavite(046) 515-9950, 515-9951(02) 529-8612Fax (02) 529-8612
CAVITE - IMUS AGUINALDO HIGHWAY G/F DCR Bldg., Aguinaldo Highway, 4103 Imus, Cavite(046) 875-7242, 875-7243, 471-0989Fax (046) 471-3214
CAVITE - IMUS NUENO AVENUE358 Exodus Bldg. Nueno Avenue, Imus, Cavite(046) 970-8733, 471-4065, 970-8734Fax (02) 843-0215
CAVITE - NAICGovernor’s Drive corner Soriano Highway, Naic, Cavite(046) 412-2634, 412-2635, 412-2618Fax (046) 412-2633
CAVITE - PUREGOLD TANZA G/F Puregold Tanza, Provincial Road, Tanza, Cavite(046) 481-8881, 481-8882(02) 584-4518Fax (046) 481-8883
CAVITE - SILANG 194 J. Rizal corner M. Belen St., Silang, Cavite(046) 414-1643, 414-1644, 414-1048Fax (046) 414-2108
CAVITE - TRECE MARTIRESEl Paseo Arcade, Indang-Trece Road near corner Governor’s Drive, Trece Martires City, Cavite(046) 419-3208, 419-2200, 419-3238, 419-3248Fax 046-419-3238
CAVITE CITY - P. BURGOSCorner P. Burgos & P. Julio St., Caridad, 4100 Cavite City(046) 431-7641, 431-7640, 431-0143Fax (046) 431-0755
KAWIT - BINAKAYAN1497 National Road, Binakayan, 4104 Kawit, CaviteFax (046) 434-5676
SM CITY BACOORUG/F SM City Bacoor, Gen. Aguinaldo Highway corner Tirona Highway, Bacoor, Cavite(046) 970-5700, 970-5701,417-4380, 417-3369(02) 886-4668Fax (02) 886-4668
SM CITY DASMARIÑAS SM City Dasmariñas, Barrio Pala-Pala, Dasmariñas, Cavite(046) 432-3020, 432-3080432-3040, 973-0162(02) 886-4221Fax (046) 432-3010
SM CITY ROSARIOG/F SM City Rosario, General Trias Drive, Brgy. Tejero, Rosario, Cavite(046) 489-8640, 489-8639,489-8637, 489-8638(02) 584-4273Fax (046) 489-8641
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SM CENTER MOLINO G/F (Units 127-130) SM Center Molino, Molino Road, Bacoor, Cavite (046) 474-3041, 474-3042, 474-3043, 474-3044, 474-3045Fax (02) 844-3381
TAGAYTAY - MENDEZ JUNCTIONNational Road, Brgy. Mendez Junction, Tagaytay City(046) 483-0621, 483-0622Fax (02) 584-4499
TAGAYTAY - ROTONDAFrablyn Tower (Tolentino Bldg.), Emilio Aguinaldo Highway, Tagaytay (Near Tagaytay Rotonda)(046) 413-0355, 413-0353, 860-2165, Manila Line: 529-8122, Avaya: 2946Fax (046) 860-2164
I L O C O S N O R T E
ILOCOS NORTE - BATAC Aoigan Bldg., Washington St., Batac 2906 Ilocos Norte(077) 792-3092, 617-1556, (02) 702-6000 loc. 2979Fax (077) 792-3375
LAOAG - BALINTAWAKCorner Rizal & Balintawak St., 2900 Laoag City, Ilocos Norte(077) 772-1123, 772-0315, 771-4021, 771-3903,(02) 702-6000 loc. 2948Fax (077) 771-4021
LAOAG - CASTRO Pichay Bldg., J.P. Rizal corner A. Castro St., Laoag City(077)771-5433, 772-0266, 770-3702, 770-3703(02)702-6000 loc. 2096Fax (077)771-6098
ROBINSON’S PLACE - SAN NICOLASUnit 1-00144 Robinson’s Place, San Nicolas, Ilocos Norte(077) 670-7146, 670-7147Fax (077) 781-2700
I L O C O S S U R
ILOCOS SUR - CANDON National Highway corner Abaya St., 2710 Candon, Ilocos Sur(077) 742-4167, 742-4157, 644-0250, 644-0251, 742-6410, (02) 702-6000 loc. 2856Fax (077) 742-6410
VIGAN - PLAZA MAESTROG/F Plaza Maestro Commercial Complex, Burgos & Florentino St., Vigan City, Ilocos Sur(077) 722-3930, 722-3965, 722-3974 , (02) 702-6000 loc. 2699Fax (077) 722-3934
VIGAN - QUEZON AVENUECorner Bonifacio St. & Quezon Avenue, 2900 Vigan, Ilocos Sur(077) 722-6760, 722-1780,722-1781, 722-2581, (02) 702-6000 loc. 2095Fax (077) 722-2582
I S A B E L A
ISABELA - CAUAYANAlong National Highway, Cauayan City, Isabela(078) 652-1289, 652-2330, 897-1490, (02) 702-6000 loc. 2811Fax (078) 652-2421
ISABELA - ILAGAN Along Maharlika Highway, Calamagui 2nd, Ilagan, Isabela(078) 624-0017, 622-2653, (02) 702-6000 loc. 2810Fax (078) 622-3503
ISABELA - ROXAS23 Osmeña Road, Bantug, Mallig Plain, 3320 Roxas, Isabela(078) 642-8638, 642-8636, (02) 702-6000 loc. 2990Fax (078) 642-7166
ISABELA - SANTIAGO CENTRO A & A Musngi Bldg., City Road cor. Carreon St., Centro East, Santiago City, Isabela(078) 682-2986, 682-2918, (02) 702-6000 loc. 2893Fax (078) 682-2957
ISABELA SANTIAGO - MAHARLIKA HIGHWAY Maharlika Highway corner Quezon Avenue, Victory Norte, Santiago City, Isabela(078) 682-5946, 682-8592, 682-4060, (02) 702-6000 loc. 2959Fax (078) 682-8592, 682-8245
L A U N I O N
LA UNION - AGOOAlong National Highway, Brgy. San Nicolas, Agoo, La Union(072) 710-2129 to 30,(02) 702-6000 loc. 2774Fax (072) 710-2128
LA UNION SAN FERNANDO - QUEZON AVENUE Quezon Avenue, 2500 San Fernando, La Union(072) 700-1387, 242-0239, 700-1392, (02) 702-6000 loc. 2828Fax (072) 700-1388
LA UNION SAN FERNANDO - RIZAL AVENUE Rizal Avenue corner Ortega St., San Fernando, La Union(072) 607-8422, 607-8424, 607-8417,(02) 702-6000 loc. 2097Fax (072) 607-8423
L A G U N A
BIÑAN A. Bonifacio St. Barrio Canlalay, Biñan, Laguna(049) 411-4030, 411-4031, 411-4032Fax No. (02) 520-8274
BIÑAN - A. MABINIRey Bldg., A. Mabini St., Poblacion, 4024 Biñan, Laguna(049) 511-7788, 511-9924, 511-9926, 411-2926(02) 426-4816Fax (02) 429-4816
CALAMBA - PASEO UNO G/F Paseo Uno de Calamba, National Highway, Brgy. Paciano, Calamba City, Laguna (049) 502-6177, 502-3381, 502-5617Fax (02) 520-8868
CALAMBA CROSSING - NORTHCalamba Crossing National Highway, 4027 Calamba, Laguna(049) 545-4707, 545-4708, 545-5981,(02) 520-8847Fax (049) 545-4706
LAGUNA - CABUYAOG/F Lim-Bell Business Center, J.P. Rizal St., Cabuyao, Laguna(049) 531-4109 to 10, 531-4338, 832-1462,(02) 520-8915, 702-6000 loc. 2863, Fax (049) 531-4338
LAGUNA - PAGSANJANJP Rizal St. corner F. De San Juan St., Brgy. Dos, Poblacion, Pagsanjan, Laguna(049) 501-1613, 501-1614, 501-1615Fax (049) 501-1612
LAGUNA - STA. CRUZAlong Regidor St., Sta. Cruz, Laguna(049) 808-0238, 808-0239, 808-0229 Fax (049) 808-0226
LAGUNA - TECHNOPARKG/F Laguna Technopark Admin Bldg 1, North Main Avenue, Laguna Technopark, Biñan, Laguna(02) 584-4196, (049) 502-5108, 502-5109, 541-3073, 541-3074Fax (02) 584-4194
LOS BAÑOSOlivarez Plaza Cinema & Supermarket Complex, Along National Highway, Barangay Batong Malake, Los Baños(049) 536-6355, 536-6358,(02) 520-8363 Fax (049) 536-6355, (02) 520-8363
SAN PABLO - MAHARLIKA HIGHWAYG/F Bien Paz Arcade, Maharlika Highway Junction, San Rafael, San Pablo City(049) 562-1778, 562-1779,(02) 584-4138Fax (02) 584-4138
SAN PABLO - PAULINOM. Paulino St., San Pablo City(049) 562-4991, 562-7804Fax (049) 567-0357
SAN PABLO - RIZAL ST.2F Equitable PCI Bldg., Rizal St. corner P. Alcantara St., San Pablo City, Laguna(049) 561-1881, 561-1882, 561-1883Avaya loc. 2988Fax (049) 561-1881
SAN PEDROTayao Business Center Bldg. A. Mabini St. San Pedro, Laguna868-0352, 808-7013, 847-3699, 847-2688Fax 868-0353
SAN PEDRO - NATIONAL HIGHWAY Mega Bldg. National Highway, San Pedro, Laguna868-7348, 868-5995, 868-5949Fax 808-5939
SAN PEDRO - PACITAG/F M. Allen Bldg., Km31, Old National, National Highway, San Pedro, Laguna868-4994, 868-4995, 868-4997, 868-2130, 520-2859Fax 868-4998
SM CITY CALAMBA G/F SM City Calamba, National Highway, Brgy. Real, Calamba City, Laguna(049) 530-0081, 530-0377Fax (049) 530-0082
SM CITY SAN PABLO G/F SM City San Pablo, Marikina Highway, Brgy. San Rafael, San Pablo City, Laguna(049) 521-1026, 521-1027, (02) 702-6000 loc. 52393Fax (02) 519-4004
SM CITY STA. ROSAG/F SM City Sta. Rosa, Barrio Tagapo, Sta. Rosa, Laguna(049) 534-9823, 534-9824,534-9825, 534-9826,(02)843-0216Fax (02)844-7870
STA. ROSA - DON JOSEPCC Bldg., Sta. Rosa - Tagaytay Road, Brgy. Don Jose, Sta. Rosa, Laguna(049) 544-1042, 544-1043,(02) 584-4233, 702-6000 loc. 2884Fax (049) 837-2538
STA. ROSA - SOUTH EXPRESSWAYNational Road Pulong Sta. Cruz, 4026 Sta. Rosa, Laguna(049) 539-0295,(02) 520-8198, 886-4738Fax (02) 886-4738, (049) 837-2491
WALTERMART - STA. ROSASan Lorenzo drive corner Balibago Road, Barangay Balibago, 4026 Sta. Rosa, Laguna(049) 837-4977, 534-4631 to 32(02) 520-8683Fax (049) 534-4630
N U E V A E C I J A
CABANATUAN - MAHARLIKA ROADMaharlika Road, near corner Sanciangco St., Cabanatuan City(044) 463-3985, 463-3408, 463-3264, (02) 702-6000 loc. 2822Fax (044)463-3264
CABANATUAN - MEGACENTER MALLUnit 49-B UG/F Megacenter, The Mall Gen. Tinio & Melencio St., Cabanatuan City(044) 463-3160, 463-3271, 463-3285, (02) 702-6000 loc. 2929Fax (044) 463-3143
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Branch Directory
CABANATUAN - NE PACIFIC MALLGround Level, Unit CM-2 (Mall Entrance 2), NE Pacific Mall, Km.111, Maharlika Highway, Cabanatuan City, Nueva Ecija(044) 940-2025 to 26, (02) 702-6000 loc. 2878Fax (044) 940-2026
CABANATUAN - PACO ROMAN Along Paco Roman St., Cabanatuan City, Nueva Ecija(044) 463-0476, 600-2581, 464-1535, (02) 702-6000 loc. 52093Fax (044) 463-0477
CABANATUAN - SANCIANGCOSanciangco St., Cabanatuan City(044) 464-0909, 463-5853, 600-3251, (02) 702-6000 loc. 2824Fax (044) 463-0020
NUEVA ECIJA - GAPANTinio St., 3105 Gapan, Nueva Ecija(044) 486-0305, 486-2235, 486-3345,(02) 702-6000 loc. 2823Fax (044) 486-2288
NUEVA ECIJA - GUIMBAAfan Salvador St., 3115 Guimba, Nueva Ecija(044) 611-0056, 611-0058, 943-0212, (02) 702-6000 loc. 2870Fax (044) 611-2058
NUEVA ECIJA - MUÑOZT. Delos Santos St. Science City of Muñoz, Nueva Ecija(044) 456-0892 to 93, 456-0123,(02) 702-6000 loc. 2947Fax (044) 456-0356
NUEVA ECIJA - SAN JOSE Maharlika Road, 3121 San Jose City, Nueva Ecija(044) 947-1376, 947-1527, 947-2998, 947-2999, (02) 702-6000 loc. 2199Fax (044) 511-1527
NUEVA ECIJA - STA. ROSAAlong Maharlika Highway, Sta. Rosa, Nueva Ecija(044) 940-1117 to 19, 940-1109,(02) 702-6000 loc. 2874Fax (044) 940-1118
NUEVA ECIJA - TALAVERAMaharlika Highway, Marcos District, Talavera, Nueva Ecija(044) 951-1422, 951-1443, 411-1738, 951-1463, 951-1401, (02) 702-6000 loc. 2871Fax (044) 411-1276
N U E V A V I Z C AYA
NUEVA VIZCAYA - SOLANONational Highway, Solano, Nueva Vizcaya(078) 326-7283, (02) 702-6000 loc. 2991Fax (078) 326-7754
O R I E N TA L M I N D O R O
MINDORO - CALAPANJ.P. Rizal St., 5200 Calapan, Oriental Mindoro(043) 288-4104, 441-1553Fax (043) 288-4666
P A L A W A N
PUERTO PRINCESA261 Rizal Avenue, 5300 Puerto Princesa City, Palawan(048) 434-4244, 433-2679, 433-2491, (02) 702-6000 loc. 2992Fax (048) 433-2713
P A M P A N G AANGELES - BALIBAGOG/F Lawrence Plaza, MacArthur Highway near corner Charlot St., Balibago, Angeles City(045) 892-4230, 625-7775, 892-4187, 892-5241, (02) 702-6000 loc. 2778Fax (045) 625-7647
ANGELES - MACARTHUR HIGHWAY G/F Excelsior Bldg. 314 MacArthur Highway, Barangay Claro M. Recto, Angeles City(045) 626-2050, 626-2051, 626-2053, (02) 702-6000 loc. 2146Fax (045) 626-2052
ANGELES - STO. ROSARIOPlaza Rafael I, 151-D Sto. Rosario St., Sto. Domingo, Angeles City(045) 887-0202, 887-0404, 887-1313, 887-1212, (02) 246-8400, 702-6000 loc. 2530Fax (045) 887-1010
ANGELES CITY - MIRANDAPCIB Bldg., Miranda St. 2009 Angeles City, Pampanga(045) 888-7712, 887-7242, 888-7373, 322-6032, 888-4935, (02) 702-6000 loc. 2915Fax (045) 887-7242, 887-7378
ANGELES CITY - NEPO MARTG/F Angeles Business Center, Teresa Avenue, Nepo Mart Complex, Angeles City(045) 888-8335, 322-4478,888-6119, 888-1522, (02) 702-6000 loc. 2913Fax (045) 888-1027
CLARK SEZ - CENTENNIALCentennial Road, Clark Special Economic Zone, Clarkfield, Pampanga(045) 599-3487, 893-4149, 893-4107, 599-5668, 599-5666, (02) 702-6000 loc. 2980Fax (045) 599-5667
CLARK SEZ - PUREGOLD Puregold Duty Free (Expansion) Bldg. Claro M. Recto Highway (formerly Dyess Highway) Clark Special Economic Zone, Clarkfield, Pampanga(045) 599-3284, 599-3285, 599-3286, 599-3288, (02) 702-6000 loc. 2932Fax (045) 599-3287
PAMPANGA - APALIT G/F Quintos Bldg., MacArthur Highway, San Vicente, Apalit, Pampanga(045) 879-1247, 879-1249, 302-8510, (02) 702-6000 loc. 2815Fax (045) 879-1248
PAMPANGA - GUAGUA Yabut Bldg., Plaza Burgos, 2003 Guagua, Pampanga(045) 900-0213, 900-4454, 901-0629, 900-0194, 900-0060, (02) 702-6000 loc. 2854Fax (045) 900-0194
PAMPANGA - LUBAOOlongapo-Gapan Road, Sta. Cruz, Lubao, Pampanga(045) 971-7797, 971-7798Fax (045) 971-7803
PAMPANGA SAN FERNANDO - DOLORES MacArthur Highway, Dolores 2000 City of San Fernando, Pampanga(045) 860-0884, 961-2907, 963-4084, (02) 702-6000 loc. 2981Fax (045) 961-5286
PAMPANGA SAN FERNANDO - GEN. HIZON Gen. Hizon Extension, San Fernando, Pampanga(045) 961-5196, 860-6379, (02) 749-1160Fax (045) 961-5156
PAMPANGA SAN FERNANDO - MACARTHUR HIGHWAY G/F Doña Isa Fel Bldg. II, MacArthur Highway, Dolores, San Fernando City, Pampanga(045) 961-0831 to 33, (02) 702-6000 loc. 2629Fax (045) 961-0834
PAMPANGA SAN FERNANDO - SINDALAN Palm Bldg., MacArthur Highway, Sindalan, San Fernando City, Pampanga (045) 636-4113, 636-4114, (02) 702-6000 loc. 2813Fax (045) 860-0278
SM CITY CLARKG/F SM City Clark, Clark Field, Pampanga(045) 625-5622, 625-5623, 625-5636, (02) 584-4003, 702-6000 loc. 2131, 2233Fax (045) 625-5621
SM CITY PAMPANGA A G/F SM City Pampanga, San Fernando, Pampanga(045) 961-2304, 961-2327, 921-2236, (02) 741-7018Fax (045) 963-5262, (02) 741-7016
SM CITY PAMPANGA BG/F SM City Pampanga Annex Bldg. 4, San Fernando, Pampanga (045) 455-0142, 455-0143, 455-0144, 445-0145, 455-0146, (02) 702-6000 loc. 2113Fax (045) 455-0144
WALTERMART - PAMPANGAG/F Waltermart Pampanga,MacArthur Highway, San Agustin,San Fernando, Pampanga(045) 435-0047, 435-0048, 435-0049860-2513, (02) 702-6000 local 52814Fax (045) 435-0046
P A N G A S I N A N
DAGUPAN - FERNANDEZA.B. Fernandez Avenue, 2400 Dagupan City, Pangasinan(075) 515-8266, 523-4860,522-2792, 515-2469, 523-5441, (02) 702-6000 loc. 2832Fax (075) 522-2791
DAGUPAN - PEREZ 386 Perez Blvd. Dagupan City(075) 523-4002, 522-2055,523-5240, 522-2007,(02) 702-6000 loc. 2098Fax (075) 515-4189
DAGUPAN - TAPUACUnits 8, 9, 10 Mother Goose Play School Bldg., MacArthur Highway, Tapuac District, Dagupan City, Pangasinan(075) 523-6330 to 31, 515-6114, 523-5630, 523-3591, 515-2185, (02) 702-6000 loc. 2541Fax (075) 523-3591
PANGASINAN - ALAMINOSMarcos Avenue, Palamis 2404 Alaminos, Pangasinan(075) 551-5692, 551-3353, 551-5615, 552-7106,(02) 702-6000 loc. 2983Fax (075) 551-5632
PANGASINAN - CALASIAOG/F Señor Tesoro Academy Bldg., San Miguel, Calasiao, Pangasinan(075) 522-0393, 522-9606, 523-9207, (02) 702-6000 loc. 2767Fax (075) 517-2985
PANGASINAN - CARMENMacArthur Highway, Carmen East 2441 Rosales, Pangasinan(075) 582-7372, (02) 702-6000 loc. 2982Fax (075) 582-2925
PANGASINAN - LINGAYEN80 Avenida Rizal East, Lingayen, Pangasinan(075) 662-1283, 662-1284, 542-8004, (02) 702-6000 loc. 2850Fax (075) 542-8003
PANGASINAN - SAN CARLOSPolaris St., 2420 San Carlos City, Pangasinan(075) 532-4522, 532-3844, (02) 702-6000 loc. 2820Fax (075) 532-4522
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PANGASINAN - TAYUGAlong Quezon Blvd., Poblacion, Tayug, Pangasinan (075) 572-3728, 572-3730, 572-3731Fax (075) 572-3729
SM CITY ROSALESSM City Rosales, Carmen East, Rosales, Pangasinan(075) 564-2595, 564-2575, 653-0213 to 14, (02) 702-6000 loc. 2678Fax (075) 564-2575
URDANETA - ALEXANDERAlexander St., Urdaneta City, Pangasinan(075) 656-0005 to 07, (02) 702-6000 loc. 2268Fax (075) 656-0006
URDANETA - MACARTHUR HIGHWAY 182 LIS Bldg. MacArthur Highway, San Vicente, Urdaneta(075) 624-2288, 568-4225, (02) 702-6000 loc. 2232Fax (075) 568-4182
Q U E Z O N
LUCENA - ENRIQUEZ Enriquez corner Evangelista St., Lucena City(042) 373-7798, 373-7793, 373-5556, (02) 702-6000 loc. 2805Fax (042) 373-7799
LUCENA - GULANG-GULANG505 Quezon Avenue Extension, Barangay Gulang-gulang, Lucena City(042) 373-7127, 373-5573Fax (042) 373-5410
LUCENA - MERCHAN Merchan St. corner San Fernando St., Lucena City(042) 660-3760,(02) 702-6000 loc. 2088Fax (042) 373-4979
LUCENA - QUEZON AVENUEQuezon Avenue corner Profugo St., Lucena City, Quezon(042) 710-3468, 373-5721, 373-5722, 660-7797, 710-2916, (02) 840-7000 loc. 1991, 1995, 702-6000 loc. 2819Fax (042) 373-5930
QUEZON - CANDELARIARizal corner Valle St., Candelaria, Quezon 4323(042) 741-1084, (02) 250-8414, 702-6000 loc. 2855Fax (02) 250-8414
SM CITY LUCENAG/F SM City Lucena, Pagbilao National Road, Lucena City(042) 710-6108, 710-6723, 660-7296Fax (02) 889-6790
R I Z A L
ANGONO - M. L. QUEZON AVENUEGround Floor, AB Commercial Plaza, M.L. Quezon Ave. Brgy. San Pedro, Angono, Rizal470-0487, 470-0485, 470-0568, 470-0543Fax 470-0485
ANGONO - NATIONAL HIGHWAYAurora Building, Manila East Road corner Duhat St., Angono, Rizal(02) 451-0063, 451-0278, 451-0607Fax 451-0358
ANTIPOLO MASINAGTripolee Bldg. Marcos Highway near corner Sumulong Highway, Mayamot, Antipolo645-6041, 682-4654, 647-9948Fax 645-6135
ANTIPOLO PLAZAGatsby Bldg. II M. L. Quezon St. Antipolo650-8233, 696-0021, 650-7030Fax 697-0050
ANTIPOLO - B. V. SOLIVENBlk 24, Lot 1, Benito V. Soliven Avenue, Greenheights Subdivision, Brgy. Mayamot, Antipolo City477-2101, 477-2105, 477-2097Fax 477-2077
ANTIPOLO - CIRCUMFERENTIAL ROADCircumferential Road corner F. Manalo St., Antipolo City696-5205, 696-5216, 696-5208 Fax 696-5212
ANTIPOLO - SUMULONG HIGHWAYBDO Bldg., Sumulong Highway, Masinag, Mayamot, Antipolo682-4194, 682-4195, 682-4198Fax 682-4196
CAINTA JUNCTION Hipolito Bldg. Ortigas Avenue Extension, Cainta Junction, Cainta, Rizal655-8022, 240-3145, 240-3182Fax 655-8021
CAINTA - A. BONIFACIOLedor Commercial Center A. Bonifacio Avenue corner Samonte St., Barangay San Juan, Cainta, Rizal655-5646, 655-4358, 655-9013Fax 655-2313
MAKRO CAINTAMakro Cainta, Felix Huerta Avenue, Cainta, Rizal655-1866, 656-2996, 655-5972Fax 655-5072
MARCOS HIGHWAYTown & Country Commercial Arcade, Marcos Highway corner Narra St. Cainta, Rizal668-1983, 668-1197, 668-1199, 668-1235, 668-1976Fax 668-1207
MARCOS SUMULONG HIGHWAYKingsville Commercial Arcade, Marcos Highway, 1870 Antipolo, Rizal645-8156, 668-1296, 645-5323Fax 645-4934
ORTIGAS AVENUE EXT. - CAINTAUnits 7-9 Philfoam Furnishing Bldg., Km 23 Ortigas Avenue Extension, Cainta Rizal669-1711, 658-1110, 240-3454, 660-9663, 669-1721, 240-3588, 240-3611Fax 658-1080
RIZAL - MONTALBANG/F Montalban Town Center, Rodriquez Highway corner Lardizabal St., Brgy. San Jose, Rodriquez, Rizal948-2718, 942-7894, 942-7349Telefax 942-7974
RIZAL - TANAY Tanay Town Center, Sampaloc Road cor. FT Catapusan St., Plaza Aldea, Tanay, Rizal654-5669, 654-5670, 654-5671, 654-5672Telefax 654-5669
SM CITY TAYTAYG/F Bldg. A, SM City Taytay, Manila East Road, Barangay Dolores, Taytay, Rizal661-1934, 661-1935, 661-1936, 661-1937Fax 661-1938
STA. LUCIA EAST - CAINTASta. Lucia East Grand Mall, Marcos Hi-Way corner Felix Avenue, 1900 Cainta, Rizal681-5232, 681-5296, 681-5171, 681-5173Fax 681-5172
STA. LUCIA EAST – FELIX AVENUEG/F Phase 1, Sta. Lucia Grand Mall, Marcos Highway corner Felix Avenue, Cainta682-6071, 682-6030, 682-6429Fax 682-6134
TAYTAY – MANILA EAST ROADBDO Bldg., East Road, Taytay, Rizal660-5393, 660-5392, 286-3203Fax 286-3271
TAYTAY NATIONAL HIGHWAYKorte Rosario Restaurant, Taytay National Highway, Ilog Pugad, Barangay San Juan, Taytay Rizal658-6574, 660-6870, 286-3495, 660-6070Fax 658-6575
S O R S O G O N
SORSOGON CITYSon Bldg., R. Magsaysay Avenue, Sorsogon City(056) 211-2391, 421-5501, 211-1821, (02) 702-6000 loc. 2808Fax (056) 211-2100, 421-5107
T A R L A C
TARLAC – CAMILINGRomulo St., Brgy. Poblacion A, Camiling, Tarlac(045) 934-3640, 934-3642, 934-3646Fax (045) 934-3643
TARLAC – CONCEPCIONL. Jaena corner L. Cortes St., San Nicolas, 2316 Concepcion, Tarlac(045) 923-0792, 923-0630, (02) 702-6000 loc. 2837Fax (045) 923-0034
TARLAC – F. TAÑEDOF. Tañedo corner Juan Luna St., Tarlac City(045) 982-3407, 982-3408, 982-0171, 982-0172, 982-7790, 982-1299, (02) 702-6000 loc. 2937Fax (045) 982-1298
TARLAC – J. LUNAJ. Luna St. near corner MacArthur Tarlac, Tarlac(045) 982-8158, 982-9005, 982-5539, 982-3192, (02) 702-6000 loc. 2836Fax (045) 982-3192
TARLAC – PANIQUIM.H. Del Pilar St., MacArthur Highway, 2307 Paniqui, Tarlac(045) 931-0298, 931-1843, 931-0355, (02) 702-6000 loc. 2853Fax (045) 931-0298
SM CITY TARLAC U & LGF, SM City Tarlac, MacArthur Highway, San Roque, Tarlac City(045) 606-3221, 606-0405, 606-0497, (02) 519-4096Fax (045) 606-3221
Z A M B A L E S
OLONGAPOGF & 2F KT Tower, Rizal Avenue East corner 18th St. Bajac, Olongapo City(047) 222-3974, 222-9473,224-5063, (02) 702-6000 loc. 2989Fax (047) 222-2250
SUBIC - TIMES SQUARE420 Rizal Highway Subic Bay Freeport Zone, 2200 Olongapo City, Zambales(047) 252-7050, 252-2939, 252-7090, (02) 702-6000 loc. 2910Fax (047) 252-7420
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LOCATION BRANCHES ATM
Aklan 1 1
Antique 1 1
Bohol 1 3
Capiz 1 2
Cebu 38 80
Iloilo 13 31
Leyte 4 7
Negros Occidental 20 33
Negros Oriental 2 4
Samar 1 1
Southern Leyte 1 1
V I S A Y A S
Branch Directory
AKLAN
ANTIQUE
ILOILO
NEGROS OCCIDENTAL
NEGROS ORIENTAL
CAPIZ
BOHOL
LEYTE
SOUTHERN LEYTE
SAMAR
CEBU
V I S A Y A S
A K L A N
AKLAN – KALIBOAlong XIX Martyrs St., Kalibo, Aklan(036) 268-8612, 268-8613, 500-7221, 500-7954,(02) 702-6000 loc. 2858Fax (036) 268-8610
A N T I Q U E
ANTIQUECorner Gov. Villavert St. & Gov. Gella St., San Jose, Antique 5700(036) 540-8398, 540-7770, 320-1814, 320-2002,(02) 702-6000 loc. 2257Fax (036) 540-8398
B O H O L
BOHOL - TAGBILARANCP Garcia Avenue, 56300 Tagbilaran City, Bohol(038) 411-4921, 411-2085, 501-9890,(02) 702-6000 loc. 52781Fax (038) 235-3373
C A P I Z
ROXAS - ROXAS AVENUERoxas Avenue, Roxas City, Capiz(036) 621-0210, 621-6112, 621-4962, 338-0648,(02) 702-6000 loc. 2802Fax (036) 621-0054
C E B U
CEBU - A.S. FORTUNAG/F Tanaka Bldg., 869 A. S. Fortuna St., Banilad, Mandaue City(032) 416-2044, 343-3497, (02) 702-6000 loc.52118Fax (032) 343-3498
CEBU - ASIATOWN IT PARKG/F TGU Tower, Salinas Drive cor. J.M. Del Mar St., Asiatown IT Park, Apas, Cebu City(032) 479-9027, 238-9714, (02) 840-7000 loc 39605Fax (032) 238-9719
CEBU - AYALA BUSINESS PARKCebu Towers, Mindanao corner Bohol Avenue, Cebu Business Park, Cebu City(032) 238-8153 to 56, (02) 702-6000 loc. 52242, 52542Fax (032) 238-8155
CEBU - AYALA MALLStall 286A, Level 2, West Entry, Ayala Center Mall, Cebu, Cebu Business Park, Cebu City 6000(032) 239-0410, 239-0420, 412-6185 Fax (032) 238-7545
Branch Directory
83 Branches 164 ATMs
*As of March 2011
2010 Annual Report
57
CEBU - BANILAD G/F PDI Condominium, Gov. Cuenco Avenue, Banilad, Cebu City(032) 234-0189, 234-0184, 416-2077, 234-0186, (02) 702-6000 loc. 52840Fax (032) 234-0182
CEBU - BOGOP. Rodriguez corner San Vicente St., 6010 Bogo, Cebu City(032) 251-2030, 434-8900, 256-3574, (02) 702-6000 loc. 52833Fax (032) 434-8619
CEBU - BORROMEOBorromeo corner Magallanes St., Cebu City(032) 253-7449, 255-6165, 256-3583, 412-3737, (02) 702-6000 loc. 52172Fax (032) 253-8823
CEBU - CAPITOLOsmeña Blvd. Corner Ma. Cristina St., 6000 Cebu City, Cebu(032) 254-4643, 254-2803, 256-0237, (02) 702-6000 loc. 52970Fax (032) 253-0659
CEBU - CONSOLACIONG/F Annex Bldg., Fooda Saversmart, Consolacion, Cebu(032) 236-3367 to 69, (02) 702-6000 loc. 52705Fax (032) 236-3369
CEBU - CUENCONSLC Bldg. M. J. Cuenco Avenue, Cebu City(032) 256-2469, 256-2474, (02) 702-6000 loc. 52075Fax (032) 253-3801
CEBU - ESCARIOCebu Escario St. Cebu City(032) 254-0408, 254-0482, (02) 702-6000 loc. 52100Fax (032) 254-4305
CEBU - F. GONZALESF. Gonzales corner Magallanes St., Cebu City(032) 253-2246, 416-5088, 254-8191, 254-8192, 254-8193, 254-8194, (02) 702-6000 loc. 2922Fax (032) 254-2245
CEBU - F. RAMOS134 Borromeo Bldg., F. Ramos corner Arlington Pond, Cebu City 6000(032) 412-5808, 255-0959, 253-6545, 254-9757, (02) 702-6000 loc. 52971Fax (032) 255-1515
CEBU - FUENTEJ. Rodriguez St. Fuente Osmeña, Rotonda, Cebu City(032) 253-0535, 253-8920, 253-0549Fax (032) 253-5686
CEBU - GORORDOGorordo Avenue, Lahug 6000, Cebu City, Cebu(032) 233-5767, 232-1500 to 15, 233-0001, 231-4424, (02) 702-6000 loc. 52924Fax (032) 231-4054
CEBU - GUADALUPER. Duterte cor. V. Rama Sts. Guadalupe, Cebu City(032) 416-3059, 256-3907Fax (032) 255-9765
CEBU - INSULAR LIFE BUSINESS CENTREG/F Insular Life Cebu Business CentreMindanao Avenue cor. Biliran Road,Cebu Business Park, Cebu City(032) 266-0971, 266-0973, 266-0970Fax (032) 266-0972
CEBU - LAPU-LAPUUnit 9, The Arcade, ML Quezon Highway, Pajo, Lapu-lapu City(032) 340-8614, 340-8613, (02) 840-7000 loc. 39617Fax (032) 340-8611
CEBU - LEGASPILegaspi corner Zamora St. Cebu City(032) 256-2507, 256-2709, 253-1056, 412-1223, (02) 702-6000 loc. 52171Fax (032) 412-1223
CEBU - MAGALLANESPlaridel St. corner Magallanes St. Cebu City(032) 255-6792, 253-9713, 253-0486, (02) 702-6000 loc. 52077Fax (032) 253-0486
CEBU - MAGALLANES PLARIDELMagallanes corner Plaridel St., 6000 Cebu City(032) 255-1728 to 29, 254-8467, 412-3398, (02) 702-6000 loc. 52912Fax (032) 253-8572
CEBU - MAMBALINGGrand Orchard Commercial Bldg., C. Padilla St., Mambaling, Cebu City(032) 262-4462, 414-6092, 414-6094Fax (032) 261-8472
CEBU - MANDAUELa Fuerza Compound, Subangdaku, Mandaue City(032) 343-6531, 343-6535, 422-6786, 343-6532,(02) 702-6000 loc. 52085Fax (032) 343-6532
CEBU - MEZ I IUnit 204 NGA Bldg. 2, Pueblo Verde, MEZ II, Basak, Lapu-lapu City(032) 341-1288, 341-5834, (02) 702-6000 loc. 2839Fax (032) 341-5833
CEBU - NORTH MANDAUENational Highway, Mandaue City(032) 345-5993, 346-2180, 340-3381, 345-5991, 345-0602, (02) 702-6000 loc. 52954Fax (032) 346-2043
CEBU - NORTH RECLAMATIONBlock 20-A corner Port Centre Avenue & Juan Luna Avenue, North Reclamation Area, Cebu City(032) 232-0320, 232-0321, 232-0322, 232-0323, (02) 702-6000 loc. 52984Fax (032) 232-0328
CEBU - NORTH ROADNational Highway, Labogon Mandaue City, Cebu(032) 345-1017, 345-1018, 345-1024, 345-1090, (02) 702-6000 loc. 52841Fax (032) 345-1061
CEBU - OSMEÑAOsmeña Blvd. Corner Urgello St. Cebu City(032) 253-5277, 253-8052, (02) 702-6000 loc. 52076Fax (032) 253-6219
CEBU - PARKMALLUnits 29-31 Parkmall No. 168 Ouano Avenue, Mandaue Reclamation Road, Mandaue City, Cebu(032) 236-3421, 236-3422, (02) 702-6000 loc. 52704Fax (032) 236-3423
CEBU - PLARIDEL21 Dy Bldg., Plaridel St., Cebu City(032) 256-1478 to 79, (02) 840-7000 loc. 39615Fax (032) 256-1470
CEBU - SOUTH MANDAUENational Highway, 6014 Mandaue City, Cebu(032) 346-0101, 345-2458, 346-4689, (02) 702-6000 loc. 52957Fax (032) 346-7915
CEBU - TABO-ANT. Abella St., San Nicolas Central 6000 Cebu City(032) 261-4421 to 23, 261-1377, (02) 702-6000 loc. 52842Fax (032) 261-1378
CEBU - TABUNOKPBS Bldg. 2688 National Highway, Tabunok, Talisay, Cebu City(032) 273-6643 to 44, 491-7456, (02) 702-6000 loc. 52186Fax (032) 491-7456
CEBU BANILAD - TALAMBANGovernor M. Cuenco, Banilad, Cebu City(032) 343-3640, 343-3847, 343-3629, 343-3663, (02) 702-6000 loc. 52532Fax (032) 343-3669
CEBU ELIZABETH MALLG/F Elizabeth Mall, Leon Kilat corner South Expressway, Cebu City(032) 255-9769, 255-9971, 417-7900, (02) 702-6000 loc. 52185Fax (032) 255-9970
MACTAN - EPZAMactan-EPZA Compound, 6000 Lapu-lapu City, Cebu(032) 340-3700, 340-3912, 340-0385, (02) 702-6000 loc. 52838Japan desk: 340-3460Fax (032) 495-5151
SM CITY CEBUSM City Cebu, North Reclamation Area, Cebu City(032) 231-4053, 231-2082, 412-1225, (02) 702-6000 loc. 52080Fax (032) 232-0774
SM CITY CEBU BUGF The Northwing - SM City Cebu, North Reclamation Area, San Jose dela Montaña cor. M.J. Cuenco Ave., Cebu City(032) 231-3335, 231-2182, 231-0602, (02) 702-6000 loc. 52245Fax (032) 233-1412
I L O I L O
ILOILO - CENTRALIznart St. Lot 317-B-2-A-1, 5000 Iloilo City, Iloilo(033) 335-1105, 335-0417, 337-7210, (02) 702-6000 loc. 2081Fax (033) 337-7210
ILOILO - GENERAL LUNALPHTP Bldg., General Luna St., Iloilo City(033) 335-0247, 335-0745, 336-0215, (02) 702-6000 loc. 2993Fax (033) 337-0123
ILOILO - IZNARTIznart St., 5000 Iloilo City, Iloilo(033) 337-7795, 336-0917, 335-8253, 336-9019, 335-1301, (02) 702-6000 loc. 2857Fax (033) 335-0669
ILOILO - JARONB Bldg. Lopez Jaena St. Jaro, Iloilo City(033) 329-2132, 329-6971, (02) 702-6000 loc. 2074Fax (033) 329-6931
ILOILO - JM BASAJM Basa St. Iloilo City(033) 337-1052, 335-0967, 337-0127, (02) 702-6000 loc. 2178Fax (033) 335-0623
ILOILO - LA PAZG/F INJAP Building, corner Luna St., & Huervana St., La Paz, Iloilo City(033) 320-9822, 508-2094, 508-2093Fax (033) 320-7254
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58
Branch Directory
ILOILO - LEDESMAG/F Esther Bldg. Ledesma St. Iloilo City(033) 337-8471, 337-8244, 335-0866, (02) 702-6000 loc. 2177Fax (033) 337-8382
ILOILO - MOLOM. H. Del Pilar St., corner Jocson St., Molo, Iloilo City(033) 336-8950, 336-8951, (02) 702-6000 loc. 52083Fax (033) 336-8949
ILOILO - QUEZON ST.Lots 3 & 5 Quezon St., Iloilo City(033) 335-0594, 335-0595, 335-0597, 335-8250, (02) 702-6000 loc. 2247Fax (033) 337-0870
ILOILO - TABUC SUBA Roger’s Bldg., McArthur Highway, Tabuc Suba, Jaro, Iloilo City(033) 320-0069, 320-3058, 509-4071Fax (033) 320-9137
ILOILO - VALERIAValeria St., Iloilo City(033) 336-4465, 337-9257, 335-1275, 337-9219, (02) 702-6000 loc. 2801Fax (033) 336-4467
SM CITY ILOILOUG/F SM City Iloilo, Benigno Aquino Avenue, Mandurriao, Iloilo City(033) 320-9465, 320-9470, 320-9490, 320-9433, (02) 702-6000 loc. 2078Fax (033) 320-9480
SM DELGADOG/F SM Delgado Bldg. Valeria St. Iloilo City(033) 337-8973, 337-0854, 337-4931, 337-4925, (02) 702-6000 loc. 2071Fax (033) 335-0394
L E Y T E
LEYTE – ORMOCCorner Burgos & Rizal St.,6541 Ormoc City, Leyte(053) 255-7948, 255-2241, 255-4894, (02) 702-6000 loc. 2865Fax (053) 561-9759
TACLOBAN - JUSTICE ROMUALDEZPhilamlife Bldg., Rizal Avenue corner P. Burgos St., 6500 Tacloban City(053) 325-5094, 321-2728, 523-8036, (02) 702-6000 loc. 2972Fax (053) 325-6672
TACLOBAN - RIZAL AVENUERoqson Bldg., Rizal Avenue corner P. Burgos St., 6500 Tacloban City, Leyte(053) 523-0366, 523-8075, 321-4265, (02) 702-6000 loc. 2973Fax (053) 523-8075
TACLOBAN - ZAMORA Carlos Chan Bldg. P. Zamora St. Tacloban City(053) 321-2881, 325-9967, 321-5072, (02) 702-6000 loc. 2099Fax (053) 321-3022
NEGROS OCCIDENTAL
BACOLOD - ARANETACineplex Complex Araneta St. Bacolod City(034) 433-5754, 433-5610, 432-0978, (02) 702-6000 loc. 2082, 2282Fax (034) 435-1809
BACOLOD - CAPITOL SHOPPINGBenigno Aquino Drive, Capitol Shopping, 6100 Bacolod City, Negros Occidental(034) 434-2448, 433-4484, 435-3216, 435-3217, 434-9610, 435-3212, 434-5057,(02) 702-6000 loc. 2920Fax (034) 435-3211, 434-2446
BACOLOD - GATUSLAO26 & 28 Gov. V. Gatuslao St., Bacolod City, Negros Occidental(034) 433-3464, 433-3465, 433-3466, 433-2988, (02) 702-6000 loc. 2803Fax (034) 433-3378
BACOLOD - GOLDENFIELDGoldenfield Commercial Complex, Singcang, Araneta St., Bacolod City(034) 433-0506, 433-0511, 434-3738, 435-1307, (02) 702-6000 loc. 2696Fax (034) 435-1495
BACOLOD - GONZAGAGonzaga-Lopez Enterprise Bldg. Gonzaga St. Bacolod City(034) 434-4964, 433-7910, 434-7097, (02) 702-6000 loc. 2072Fax (034) 434-4965
BACOLOD - HILADOHilado corner F.Y. Manalo St. 6100 Bacolod City, Negros Occidental(034) 434-7698, 709-0423, 432-3366, (02) 702-6000 loc. 2987Fax (034) 435-1441
BACOLOD - LACSONLacson corner Galo St., 6100 Bacolod City, Negros Occidental(034) 435-4531, 435-4532, 433-0851, (02) 702-6000 loc. 2985Fax (034) 435-4531
BACOLOD - LOPUE’S EAST Unit 24 & 25 Lopue’s East Center, Carlos Hilado National Highway, Barangay Villamonte, Bacolod City(034) 432-1580, 433-9077, 434-9319, 494-3554, (02) 702-6000 loc. 2537Fax (034) 434-9671
BACOLOD - MANDALAGANG/F Sta. Clara Estate Bldg., Lacson St., Mandalagan, Bacolod City(034) 441-0216, 441-1151, 441-3625, (02) 702-6000 loc. 2821Fax (034) 441-2443
BACOLOD - PLAZAAraneta corner Gonzaga St., 6100 Bacolod City, Negros Occidental(034) 434-2751, 434-2752, 434-2753, 434-2754, 433-6102, 434-1233, (02) 702-6000 loc. 2816Fax (034) 434-1233
BACOLOD - ROSARIO LACSONLot 296-B-7, Lacson St. corner Rosario St., Bacolod City, Negros Occidental(034) 433-7991, 433-7992, 433-7993, 433-2654, (02) 702-6000 loc. 2986Fax (034) 433-0234
NEGROS OCC. - BINALBAGANBiscom Compound, Binalbagan, Negros Occidental(034) 388-8258, 742-8223,(02) 702-6000 loc. 2697Fax (034) 388-8270
NEGROS OCC. - CADIZCabahug St., 6121 Cadiz, Negros Occidental(034) 493-0667, 493-0479, 493-1465, (02) 702-6000 loc. 2818Fax (034) 493-0510
NEGROS OCC. - ESCALANTENational Highway, Escalante City, 6124 Negros Occidental(034) 724-7022, 454-0124, (02) 702-6000 loc. 2826Fax (034) 454-0192
NEGROS OCC. - HINIGARAN Aguinaldo corner Rizal St. Hinigaran, 6106 Negros Occidental(034) 740-7384, 391-7795, (02) 702-6000 loc. 2872Fax (034) 391-7794
NEGROS OCC. - KABANKALANGuanzon St., Kabankalan, 6111 Negros Occidental(034) 471-2147, 471-2146, (02) 702-6000 loc. 2843Fax (034) 471-2246
NEGROS OCC. - SAN CARLOSS. Carmona St. corner Rizal St., San Carlos City, Negros Occidental(034) 312-5263, 312-5213, 312-5140, 729-9581, (02) 702-6000 loc. 2825Fax (034) 729-3500
NEGROS OCC. - VICTORIASOsmeña Avenue, Victorias City, Negros Occidental, 6119(034) 399-3616, 399-3617, (02) 702-6000 loc. 2817Fax (034) 399-2746
SILAY - FIGUEROAFigueroa corner Rizal St., Silay City, 6116 Negros Occidental(034) 714-9149, 495-3787, (02) 702-6000 loc. 2804Fax (034) 495-3787
SM CITY BACOLODG/F South Wing Bldg. SM City Bacolod, Poblacion, Reclamation Area, Bacolod City(034) 468-0139, 468-0140, (02) 702-6000 loc. 2196Fax (034) 468-0139
N E G R O S O R I E N T A L
DUMAGUETEColon St., fronting Bldg. V of City, Public Market, Poblacion 003, Dumaguete City(035) 225-7660, 225-5022, 225-1571, 422-7513, 225-4787, (02) 702-6000 loc. 52830Fax (035) 225-4462
ROBINSON’S –DUMAGUETE Robinson’s Dumaguete, Dumaguete Business Park, South Road, Calindagan, Dumaguete City(035) 442-5900, 226-2538, 422-5903, (02) 702-6000 loc. 52535Fax (035) 421-1728
S A M A R
SAMAR - CATBALOGANDel Rosario St. corner Allen Avenue, 6700 Catbalogan, Samar(055) 251-5541, 356-1706, 251-5477, (02) 702-6000 loc. 2246Fax (055) 543-9110
S O U T H E R N L E Y T E
LEYTE - MAASINTomas Oppus St., 6600 Maasin, Southern Leyte(053) 381-2495, 381-2572, 381-2032, (02) 702-6000 loc. 2256Fax (053) 570-8585
2010 Annual Report
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LOCATION BRANCHES ATM
Agusan del Norte 2 3
Bukidnon 1 1
Cotabato 3 3
Davao del Norte 1 2
Davao del Sur 18 30
Davao Oriental 1 1
Lanao del Norte 2 4
Maguindanao 1 2
Misamis Occidental 2 3
Misamis Oriental 10 19
South Cotabato 5 12
Sultan Kudarat 2 2
Surigao del Norte 1 2
Zamboanga del Norte 1 2
Zamboanga del Sur 5 6
M I N D A N A O
SURIGAO DEL SUR
BUKIDNON
COTABATO
SOUTH COTABATO
SULTAN KUDARAT
MAGUINDANAO
ZAMBOANGA DEL NORTE
LANAO DEL NORTE
ZAMBOANGA DEL SUR
MISAMIS OCCIDENTAL
MISAMIS ORIENTAL
SURIGAO DEL NORTE
AGUSAN DEL NORTE
DAVAO DEL NORTE
DAVAO DEL SUR
DAVAO ORIENTAL
55 Branches 92 ATMs
M I N D A N A O
A G U S A N D E L N O R T E
BUTUAN - J.C. AQUINO AVENUED & V Plaza II Bldg. J. C. Aquino Avenue, Butuan City(085) 815-1303, 225-6192, 342-5759, 342-5758,(02) 702-6000 loc. 2200Fax (085) 342-5758
BUTUAN - MONTILLAMontilla Blvd. near corner Lopez Jaena St., Butuan City, Agusan Del Norte(085) 815-4430, 815-4431, 341-5240, 342-6033, 342-0548, (02) 702-6000 loc. 2251Fax (085) 342-7055
B U K I D N O N
BUKIDNON - VALENCIAM.L. Quezon St. corner G. Laviña Avenue, Valencia City, Bukidnon 8709(088) 828-3331, 828-2148, 222-2185, (02) 702-6000 loc. 2249Fax (088) 828-1311
C O T A B A T O
COTABATO - KABACAN Rizal Avenue, National Highway, 9407 Kabacan, North Cotabato(064) 248-2432, 248-2119, (02) 702-6000 loc. 2263Fax (064) 248-2118
COTABATO - KIDAPAWANQuezon Blvd., 9400 Kidapawan, North Cotabato(064) 288-1689, 278-3018,(02) 702-6000 loc. 2253Fax (064) 288-1687
COTABATO - MIDSAYAPJaycee St., 9410 Midsayap, North Cotabato(064) 229-7589 to 90, (02) 702-6000 loc. 226Fax (064) 229-8327
D A V A O D E L N O R T E
DAVAO - TAGUM577 Rizal St., 8100 Tagum, Davao Del Norte(084) 218-4961, 217-3664, 217-3469, (02) 702-6000 loc. 2846Fax (084) 217-3664
D A V A O D E L S U R
DAVAO - AGDAOLapu-lapu St., 8000 Agdao, Davao City(082) 222-3698, 221-6205, (02) 702-6000 loc. 2941Fax (082) 300-3024
*As of March 2011
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Branch Directory
ILIGAN - QUEZON AVENUEQuezon Avenue, 9200 Iligan City, Lanao Del Norte(063) 221-6545, 223-5133, 221-3685,(02) 702-6000 loc. 2879Fax (063) 221-6545
M A G U I N D A N A O
COTABATO - MAKAKUAMakakua St., 9600 Cotabato City, Maguindanao(064) 421-4934, 421-4980, 421-2069, 421-5233, (02) 702-6000 loc. 2260Fax (064)421-2713
MISAMIS OCCIDENTAL
MISAMIS OCC. - OROQUIETA Mayor A. Enerio St., Oroquieta City, 7207 Misamis Occidental(088) 531-2171, 531-1121, 531-1122, (02) 702-6000 loc. 2258Fax (088) 531-1532
OZAMIZ Cebedo St. corner Gallardo St. Centro, Ozamiz City, Misamis Occidental(088) 521-2969, 521-0039, (02) 702-6000 loc. 2917Fax (088) 521-1529
M I S A M I S O R I E N T A L
CAGAYAN DE ORO - CARMENMax Y. Suniel St. corner V. Neri St., Carmen, Cagayan de Oro(08822) 723-676, 722-660, (088) 858-1133, (02) 702-6000 loc. 2259Fax (088) 858-1113
CAGAYAN DE ORO - COGONJ. R. Borja St. Cogon, Cagayan de Oro City(088) 857-7960, 857-7961, 857-7962, 857-7964,(08822) 725-203, 725-269, 725-249, (02) 702-6000 loc. 2191Fax (088) 857-7963
CAGAYAN DE ORO - HAYESG/F Trendline Dept. Store., Arch. James Hayes St., Cogon, Cagayan de Oro City(08822) 727-405, 727-407, 727-408Fax (088) 857-8324
CAGAYAN DE ORO - LAPASANC.M. Recto Highway, Lapasan, 9000 Cagayan de Oro City, Misamis Oriental(088) 856-3233, 856-3234, 856-3235, (08822) 728-926, 725-253, (02) 702-6000 loc. 2261Fax (088) 856-3234
CAGAYAN DE ORO - OSMEÑAPres. S. Osmeña corner Ramon Chavez St., Cogon, 9000 Cagayan de Oro, Misamis Oriental(088) 856-3727 to 28, (0822) 724-567, (02) 702-6000 loc. 2262Fax (088) 856-5702
CAGAYAN DE ORO - R.N. PELAEZ BLVD.Georgetown Cyber Mall, Rodolfo N. Pelaez Blvd., Kauswagan, Cagayan de Oro City(088) 856-2617, 856-4013, (08822) 729-052, (02) 702-6000 loc. 2534Fax (088) 856-4067
CAGAYAN DE ORO - VELEZVelez Road corner Abejuela St, Cagayan de Oro(088) 857-2075, 857-1943, (08842) 729-360, 723-745, (02) 702-6000 loc. 2936Fax (088) 856-4792
CAGAYAN DE ORO - XAVIERLibrary Annex Bldg. Corrales Avenue, Cagayan de Oro City(088) 857-3796, 857-4108, (08822) 729-423, 725-471, (02) 702-6000 loc. 2176Fax (088) 857-3700
MISAMIS ORIENTAL - GINGOOG National Highway, Gingoog City, Misamis Oriental(088) 861-0201, 427-313,427-595,(02)702-6000 loc. 2250Fax (088) 861-0460
SM CITY CAGAYAN DE ORO G/F SM City Cagayan de Oro, Pueblo de Oro Business Park, Upper Canituan,Cagayan de Oro, Misamis Oriental(088) 859-2632, 859-2633, 859-2637, (02) 702-6000 loc. 2087Fax (088) 859-2634
S O U T H C O T A B A T O
GENERAL SANTOSSantiago Blvd. corner JP Laurel St., Gen. Santos City(083) 553-3874, 553-3875, (02) 702-6000 loc. 2175Fax (083) 553-3877
GENERAL SANTOS - PENDATUN G/F Sydney Hotel, corner Pioneer and Pendatun Avenue, General Santos City 9500(083) 302-4128, 302-3179, 552-2062, (02) 702-6000 loc. 2930Fax (083) 302-3180
GENERAL SANTOS - PIONEER National Highway corner Roxas Avenue, 9500 Gen. Santos City, South Cotabato(083) 552-2241, 552-2242, 302-1690, (02) 702-6000 loc. 2868Fax (083) 301-0226
DAVAO - BANGOYR. Magsaysay Avenue corner C. Bangoy St., 8000 Davao City(082) 330-7161, 221-4480, 227-2113, 227-2802, (02) 702-6000 loc. 2928Fax (082) 221-1251, (02) 840-7329 loc. 018
DAVAO - BUHANGINCarlos P. Garcia Highway, Buhangin Diversion Road, Davao City(082) 241-2572, 241-0867, 241-2165, (02) 702-6000 loc. 2295Fax (082) 241-2165
DAVAO - C. M. RECTO383 Claro M. Recto St., Davao City(082) 224-0821, 221-0671, 227-8591, 226-3703, (02) 702-6000 loc. 2943Fax (082) 226-3147
DAVAO - CLAVERIACM Recto Avenue, Davao City(082) 227-8384, 226-3706Fax (082) 226-3697
DAVAO - DIGOSRizal Avenue, Zone II, Digos, Davao Del Sur(082) 553-7439, 553-4764, 553-2931, (02) 702-6000 loc. 2844Fax (082) 553-4764
DAVAO - JP LAURELLandco-PDCP Corporate Center, JP Laurel Avenue, Bajada, Davao City(082) 221-4553, 221-4556, 222-2198, 227-1698, (02) 702-6000 loc. 2173Fax (082) 221-4557
DAVAO - LANANGSJRDC Bldg. Insular Village 1 Commercial Area, Lanang, Davao City(082) 234-4412, 234-2414, 234-6723, (02) 702-6000 loc. 2244Fax (082)234-5760
DAVAO - LIZADARamon Magsaysay Avenue corner Lizada St., 8000 Davao City, Davao del Sur(082) 222-0071, 221-0126, (02) 702-6000 loc. 2926Fax (082) 224-4193
DAVAO - MAGSAYSAYRamon Magsaysay Avenue, Davao City(082) 226-3868, 221-6964, (02) 702-6000 loc. 2174Fax (082) 221-6963
DAVAO - MONTEVERDEG/F Sequoia Inn, Monteverde Avenue, Davao City(082) 225-4345, 225-4346, 225-4348, (02) 702-6000 loc. 2187, 2188Fax (082) 225-4347
DAVAO - NARRATomas Monteverde Avenue corner Narra St., Davao City(082) 222-5346, 222-5589, 222-4547, 222-1360, (02) 702-6000 loc. 2297Fax (082) 222-1360
DAVAO - QUIRINO AVENUENicolas I Bldg., Quirino Avenue, 8000 Davao City(082) 224-5968, 221-4951, 305-5804, 221-4365, (02) 702-6000 loc. 2942Fax (082) 221-4365, 221-4951
DAVAO - RIZALCaritas Bldg. Rizal St. corner Pelayo St., Davao City(082) 221-9528, 221-9253, 221-9598, (02) 702-6000 loc. 2294Fax (082) 221-9437
DAVAO - SAN PEDROG/F KDC Bldg. San Pedro St., Davao City, Davao del Sur(082) 221-8221, 227-1251, 305-5805, (02) 702-6000 loc. 2927Fax (082) 221-8186
DAVAO - STA. ANAMonteverde corner F. Bangoy St., 8000 Davao City, Davao del Sur(082) 221-0314, 221-4746, 227-4638, 305-5810, (02) 702-6000 loc. 2939Fax (082) 226-3690
DAVAO - TORILAgton St., Toril, Davao City(082) 291-2278, 301-0107, 291-2276, (02) 702-6000 loc. 2940Fax (082) 291-2276
SM CITY DAVAOUG/F SM City Davao, Barangay Matina, Davao City(082) 298-4766, 297-4341, 299-2618, 299-2921, (02) 702-6000 loc. 2086Fax (082) 299-2730
D A V A O O R I E N T A L
DAVAO - MATIRizal corner Mabini St., 8200 Mati, Davao Oriental(087) 388-3336, 388-3219, (02) 702-6000 loc. 2867Fax (087) 388-3336
L A N A O D E L N O R T E
ILIGAN - DEL PILARBC Labao corner Del Pilar St., Iligan City(063) 223-9449, 223-9450, 223-9446, 223-9447, (02) 702-6000 loc. 2180Fax (063) 223-9450
2010 Annual Report
GENERAL SANTOS - SANTIAGO ST.Ireneo Santiago Blvd., 9500 General Santos St., South Cotabato(083) 302-4269, 552-2146, 551-2404, (02) 702-6000 loc. 2916Fax (083) 301-9329
SOUTH COTABATO - KORONADALR. Alunan Avenue corner Osmeña St., 9506 Koronadal, South Cotabato(083) 228-2541, 228-2219, 228-2323, (02) 702-6000 loc. 2866Fax (083) 228-2219
S U L T A N K U D A R A T
SULTAN KUDARAT - ISULAN#075 National Highway, Kalawag 2, Isulan, Sultan Kudarat(064) 201-3247, 471-0026, (02) 702-6000 loc. 2254Fax (064) 471-0015
SULTAN KUDARAT - TACURONGAlunan Highway, 9800 Tacurong, Sultan Kudarat(064) 477-0055, 477-0207, 200-3035, 200-3134, (02) 702-6000 loc. 2880Fax (064) 200-3035
SURIGAO DEL NORTE
SURIGAO Magallanes corner San Nicolas St., 8400 Surigao City(086) 231-7226, 231-7270, 826-3425, 826-0293, (02) 702-6000 loc. 2252Fax (086) 826-0339
ZAMBOANGA DEL NORTE
DIPOLOGQuezon Avenue, 7100 Dipolog City, Zamboanga Del Norte(065) 212-6253, 212-2341, 212-8162, 212-2339, (02) 702-6000 loc. 2873Fax (065) 212-2339
ZAMBOANGA DEL SUR
PAGADIANF.S. Pajares Avenue, Pagadian City, 7016 Zamboanga Del Sur(062) 214-1744, 214-1745, 214-4839, (02) 702-6000 loc. 2869Fax (062) 214-1744
ZAMBOANGAGrand Astoria Hotel Annex Bldg. M. D. Jaldon St. Zamboanga City(062) 991-1542, 992-0341, 991-7751, (02) 702-6000 loc. 2179Fax (062) 991-3217
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ZAMBOANGA - IPIL National Highway, Ipil, 7001 Zamboanga Del Sur(062) 333-2280, 333-5356, (02) 702-6000 loc. 2859Fax (062) 333-2380
ZAMBOANGA - MAJOR JALDONMayor Jaldon Avenue, Barangay Canelar, Zamboanga City(062) 991-0924, 992-3892, 992-3889, (02) 702-6000 loc. 2845Fax (062) 991-1121
ZAMBOANGA - RIZAL ST.Rizal St., Zamboanga City, 7000 Zamboanga Del Sur(062) 993-2390, 991-1476, 991-4804, 991-7298, (02) 702-6000 loc. 2780Fax (062) 993-2390
F O R E I G N B R A N C H
HONG KONGGround Floor, Euro Trade Centre13-14 Connaught Road Central,Central, Hong Kong(852) 2901-0203, 2901-0220Fax (852) 2869-8677
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COMPANY HEADQUARTERSBanco De Oro Unibank, Inc.
BDO Corporate Center
7899 Makati Avenue, Makati City 0726, Philippines
STOCKHOLDER INQUIRIESBanco De Oro Unibank, Inc.’s common stock is listed and traded
in the Philippine Stock Exchange under the symbol “BDO”.
Inquiries regarding dividend payments, account status, address
changes, stock certificates, and other pertinent matters should
be addressed to the company’s transfer agent:
Stock Transfer Service, Inc.
34th Floor, Unit D, Rufino Pacific Tower
6784 Ayala Ave., Makati City, 1200 Philippines
Tel. (+632) 403-2410 to 12 Fax (+632) 403-2414
The Bank will provide without charge a copy of the
2010 Annual Report Financial Statements to its stockholders
upon receipt of a written request addressed to
the Corporate Secretary
14th Floor, North Tower, BDO Corporate Center
7899 Makati Avenue, Makati City 0726, Philippines.
INVESTOR INQUIRIESBanco De Oro Unibank, Inc. welcomes inquiries from analysts,
investors and the financial community.
Please visit www.bdo.com.ph or contact:
BDO Investor Relations & Corporate Planning
4th Floor, South Tower, BDO Corporate Center
7899 Makati Avenue, Makati City 0726, Philippines
Tel. (+632) 840-7000 local 6069 or 4809
Email: [email protected]
