Bank of the Philippine Island

Kiesheen C. Almirante BSBA-FM3

LOGO
About BPI
• Founded in 1851, Bank of the Philippine Islands is the first bank in the Philippines and in the
Southeast Asian region. BPI is a universal bank and together with its subsidiaries and affiliates, it
offers a wide range of financial products and solutions that serve both retail and corporate clients.
BPI's services include consumer banking and lending, asset management, insurance, securities
brokerage and distribution, foreign exchange, leasing, and corporate and investment banking.
The bank has a network of over 800 branches in the Philippines, Hong Kong and Europe, and close
to 3,000 ATMs and CDMs (cash deposit machines).
The establishment of BPI, originally known as El Banco Español Filipino de Isabel II, ushered in the
start of the Philippine banking and finance industry. The bank performed many functions, from
providing credit to the National Treasury to printing and issuing currency, making it in effect the
country's first Central Bank. BPI proudly carries on this tradition, financing many private and public
sector initiatives and enterprises in support of economic growth and nation building.
BPI is acknowledged as a leading provider of financial services in the Philippines.
HISTORY
Established on August 1, 1851 under Spanish colonial rule, BPI was originally known as El Banco Español Filipino
de Isabel II, named after then Queen of Spain, Isabel II.
The bank was the first to be established in the Philippines, and was responsible for starting the country's banking
and finance industry. Playing a unique role in the early economic history of the Philippines, the bank performed
many functions that in effect made it the country's Central Bank, including providing credit to the National
Treasury and printing and issuing currency in its own name.
Following the Spanish-American War of 1898, the Bank was reorganized and essentially privatized under the U.S.
federal government's National Bank Acts of 1863 and 1864. The bank adopted its current name on January 1,
1912.
In the early 1980s, the Monetary Board of the Central Bank of the Philippines (now the Bangko Sentral ng
Pilipinas) allowed BPI to evolve into a fully diversified universal bank, to offer investment and consumer banking
services in addition to traditional commercial banking activities. This transformation into a universal bank was
accomplished through both organic growth and mergers and acquisitions.
Today, BPI is acknowledged as a leading provider of financial services in the Philippines.
MISSION
Since the bank's founding 165 years ago, BPI has been
inextricably linked to the growth of the Philippine
economy. Anchoring our institution on our four-fold
commitment to Clients, People, Shareholders, and
Country, we aim to take advantage of the country's
good macroeconomic fundamentals by carefully and
systematically overlaying scale over some of the best
financial metrics in the Philippine banking industry.

VISION
It is BPI's vision to be the Philippines' premier bank that builds on
its heritage of being the principal architect of the country's financial
inclusion landscape, providing the most effective, efficient, and
innovative solutions for its clients to best manage their financial
needs, while creating sustainable value and shared prosperity for
all stakeholders.
ORGANIZATIONAL STRUCTURE

Main Office:
 Services offered:

BPI's services include consumer banking and lending, asset management,

insurance, securities brokerage and distribution, foreign exchange,
leasing, and corporate and investment banking.

The bank has a network of over 800 branches in the Philippines, Hong
Kong and Europe, and close to 3,000 ATMs and CDMs (cash deposit
machines).
Banking
BPI Asset Management Automobile Insurance
BFSB Auto Loan Bills Payment
BPI Cards
BFSB Housing Loan Funds Transfer
BPI ExpressLink BFSB Ka-Negosyo Loan Online Banking
BPI Foundation BFSB Credit Card
BPI Direct Deposit Account Phone Banking
BPI Loans
BPI Direct Auto Loan Mobile Banking
BPI M/S
BPI Direct Housing Loan Branch Banking
BPI PhilAm BPI Personal Loan
BPI Credit Card
ATM Banking
BPI Trade
Remittance
eBuena Mano
Foreign Exchange
 Services Offered:
ADA Subscriber for SSS
ADA Subscriber Form for Other Merchants
Automobile Insurance
BFSB Auto Loan
BFSB Housing Loan
BFSB Ka-Negosyo Loan
BFSB Credit Card Banking
BPI Direct Deposit Account
BPI Direct Auto Loan
Bills Payment
BPI Direct Housing Loan Funds Transfer
BPI Personal Loan Online Banking
BPI Credit Card
Phone Banking
BPI Asset Management Mobile Banking
BPI Cards Branch Banking
BPI ExpressLink ATM Banking
BPI Foundation Remittance
BPI Loans Foreign Exchange
BPI M/S
BPI PhilAm
BPI Trade
eBuena Mano
Board of Directors
• Our Board of Directors is the highest governance body of the bank. It provides
direction on the business of the bank and delegates the conduct of such
business to the bank's management and operating levels under the leadership
of its Chief Executive Officer.

• The Board's directive is to generate reasonable returns on shareholder capital

by, among others, reviewing and approving strategies and objectives,
appointing senior executives, confirming organizational structures, approving
enterprise-wide policies, monitoring business and financial performance,
overseeing risk management frameworks and risk appetite, and fostering
regulatory compliance.

• Elected annually by our shareholders, our Board convenes regular meetings in

accordance with a monthly cycle, and special meetings may be called for as
needed; in 2016, the Board convened 13 times.
• Our board consists of 15 directors, seven of whom are classified as
independent, or having no interest or relationship with BPI at time of election,
appointment, or re-election. Fourteen of these 15 directors are non-executive
officers of the bank, and the one executive director is the bank's President and
CEO.
Board of Directors
• JAIME AUGUSTO ZOBEL DE AYALA
Filipino, 58 years old, has been a Non-Executive Director of the Board of
Directors of BPI since March 1990 and Chairman since March 2004. He also
served as Vice Chairman from 1995 to March 2004. Mr. Zobel de Ayala is
currently Chairman of the Bank’s Executive Committee and member of the
Nomination Committee. He is also the Chairman of the Board of Directors
of BPI Family Savings Bank Inc., and BPI Capital Corporation.
• FERNANDO ZOBEL DE AYALA
Filipino, 57 years old, has been a member of the Board of Directors of BPI
since October 1994 and was elected Vice Chairman in April 2013. He also
serves as Chairman of the Bank’s Personnel and Compensation Committee,
Vice Chairman of the Executive Committee, and member of the
Nomination and Trust Committees, prior to the establishment of the stand-
alone trust corporation. He is also the Chairman of the Board of Trustees of
BPI Foundation, Inc.
• CEZAR P. CONSING
Filipino, 57 years old, Executive Director. He became President and Chief
Executive Officer of Bank of the Philippine Islands on April 18, 2013. He
served as a member of BPI’s Board between February 1995 and January
2000, and from August 2004 to January 2007. He most recently joined the
Board in April 2010
Board of Directors
• GERARDO C. ABLAZA JR.
Filipino, 63 years old, newly elected for the term 2017 to 2018. Mr. Ablaza
is a Senior Managing Director of Ayala Corp. and a Member of the Ayala
Group Management Committee since 1998. Newly elected as a member of
the Board of Directors of BPI at the April 20, 2017 Annual Stockholders
Meeting, he was appointed as a member of the Personnel and
Compensation Committee.
• ROMEO L. BERNARDO
Filipino, 62 years old, Independent Director, has served as a member of the
Board of Directors of BPI since February 1998. He was appointed as
Independent Director in August 2002 and remains so up to present. He is
the Chairman of the Nomination Committee, and a member of the
Personnel and Compensation, Risk Management, and Related Party
Transaction committees. Prior to the establishment of the stand-alone
trust corporation, he was also a member of the Trust Committee. Until the
end of the 2016-2017 term, he was also a member of the Corporate
Governance Committee. Mr. Bernardo also sits as Independent Director of
BPI Capital, BPI/MS Insurance, BPI-Philam Life Assurance Corporation.
ADVISORY COUNCIL
• The Bank has an Advisory Council, organized in April 2016, comprised of senior thought
leaders, captains of industry and luminaries in their respective fields, taking on an advisory
role to the Chairman. It is expected that this Advisory Council will further expand the range of
expertise, experience and collective wisdom available to the Bank. The following were
appointed as members of the Advisory Council:

• DELFIN L. LAZARO
• ARTEMIO V. PANGANIBAN
• OSCAR S. REYES
Management Team
CEZAR P. CONSING
President and Chief Executive Officer
• Filipino, 57 years old, re-elected for the term 2017 to 2018. He became President and
Chief Executive Officer of Bank of the Philippine Islands on April 18, 2013. He served
as a member of BPI’s Board between February 1995 and January 2000, and from
August 2004 to January 2007. He most recently joined the Board in April 2010.
• Currently, Mr. Consing also serves as Chairman of the Bank’s Credit Committee, and is
a member of the Executive, Retirement & Pension, Risk Management, and Trust
Committees.
JOSEPH ALBERT L. GOTUACO
Executive Vice President
Filipino, 51 years old, Mr. Gotuaco is head of the Retail Client Segment Group
of BPI. He chairs the Bank’s Capital Expenditure Committee and serves as a
member of its Management, Credit, Asset & Liability Management, and
Operating & IT Risk Management Committees. He also serves on the Board of
BPI International Finance Ltd., a Hong Kong-based banking subsidiary.
Management Team
RAMON L. JOCSON
Executive Vice President
Filipino, 57 years old, Mr. Jocson is head of the Enterprise Services
Group which serves as BPI’s infrastructure backbone covering Human
Resources, Centralized Operations, Information Systems and General
Administration Services. He chairs the Bank’s IT Steering Committee
and is member of the Bank’s Management Committee.

DANIEL GABRIEL M. MONTECILLO

Executive Vice President
Filipino, 60 years old, Mr. Montecillo is head of the Corporate Client Segment
Group of the BPI. He was a former President of BPI Capital Corporation, the
bank’s investment banking subsidiary. He has 21 years of international
investment banking experience, having worked in New York and Hong Kong at
Bankers Trust, Credit Suisse and Morgan Stanley. At Banker’s Trust (now owned
by Deutsche Bank), he worked in various capacities in the Real Estate Finance
Group and the Global Markets Group, including corporate lending,
restructuring, private placements, derivatives, and portfolio analysis and acquisition
of real estate assets.
 Management
ROMEO L. BERNARDO
Team
Filipino, 62 years old, Independent Director, has served as a member of the Board
of Directors of BPI since February 1998. He was appointed as Independent Director
in August 2002 and remains so up to present. He is the Chairman of the Nomination
Committee, and a member of the Personnel and Compensation, Risk Management,
and Related Party Transaction committees. Prior to the establishment of the stand-
alone trust corporation, he was also a member of the Trust Committee. Until the
end of the 2016-2017 term, he was also a member of the Corporate Governance
Committee. Mr. Bernardo also sits as Independent Director of BPI Capital, BPI/MS
Insurance, BPI-Philam Life Assurance Corporation.

IGNACIO R. BUNYE
Filipino, 71 years old, was elected as Independent Director of BPI in April 2016 and
currently serves as a member of the Corporate Governance Committee.

OCTAVIO V. ESPIRITU
Filipino, 73 years old, Independent Director, has been a member of Board of
Directors of BPI since April 2000 and Independent Director since April 2002. He is
the Chairman of the Bank’s Risk Management and Related Party Transaction
committees as well as a member of the Audit Committee.
 Management Team
REBECCA G. FERNANDO
Filipino, 68 years old. Ms. Fernando served as Director of the Bank from October 1995
to December 2007. In March 2009, Ms. Fernando was re-elected as Non-Executive
Director of the Bank, where she is currently a member of the following committees:
Executive, Related Party Transaction Committee, and Retirement and Pension. Prior to
the establishment of the stand-alone trust corporation, she was also a member of the
Trust Committee. She is a member of the Board of BPI Capital BPI Family Savings Bank
Inc.
DELFIN C. GONZALEZ, JR.
Filipino, 67 years old, was elected as a Non-Executive Director of BPI in April 2016 and
currently serves as a member of the Personnel and Compensation, and Retirement and
Pension committees.
XAVIER P. LOINAZ
Filipino, 73 years old, Independent Director. He has been a member of the Board of
Directors since March 1982, and has been an Independent Director since March 2009.
He previously held the position of President and Chief Executive Officer of the Bank for
22 years from 1982 to 2004. He was also President of the Bankers Association of the
Philippines for two terms from 1989 to 1991. Mr. Loinaz is the Chairman of the Bank’s
Audit Committee and a member of the Nominations Committee. He is also an
Independent Director of BPI Family Savings Bank, Inc., BPI/MS Insurance Corporation,
and Ayala Corporation.
 Management Team
AURELIO R. MONTINOLA III
Filipino, 65 years old, has been a member of the Board of Directors of BPI since January
2004 and Non-Executive Director since April 2013. He is a member of the Bank’s
Executive, Risk Management, and Personnel and Compensation committees. He was a
member of the Audit Committee until the end of the 2016-2017 term. Beginning the
2017-2018 term, he is also a member of the Nomination Committee.

MERCEDITA S. NOLLEDO
Filipino, 76 years old, Ms. Nolledo has served as Non-Executive Director of BPI since
November 1991. She is the Chairman of the Retirement and Pension Committee, and
member of the Executive and Corporate Governance committees. Prior to the
establishment of the stand-alone trust corporation, she was the Chairman of the Trust
Committee.

ANTONIO JOSE U. PERIQUET

Filipino, 56 years old. He has been an Independent Director of BPI since April 2012. He
is a member of the Executive Committee. Prior to the establishment of the stand-alone
trust corporation, he was also Vice Chairman of the Trust Committee. He also serves as
an Independent Director of BPI Capital Corporation and BPI Family Savings Bank, Inc.
 Management Team
ASTRID S. TUMINEZ
Filipino with U.S. citizenship, 52 years old. She joined BPI as an Independent Director in
December 2013. She is a member of BPI’s Risk Management, Corporate Governance,
and IT Steering committees.

DOLORES B. YUVIENCO
69 years old, Filipino. She was first elected as Non-Executive Director of BPI on April
2014 and then Independent Director in April 2016. She now sits as the Chairman of the
Corporate Governance Committee. She is also a member of the Audit Committee.

ANGELA PILAR B. MARAMAG

Corporate Secretary
47 years old, was appointed Corporate Secretary on April 8, 2015. She is also the
Corporate Secretary or Deputy Corporate Secretary of various BPI subsidiaries and
affiliates, including BPI Family Savings Bank, BPI Capital, BPI Forex, BPI/MS Insurance
Corp., and BPI Century Tokyo Lease and Finance Corp.
Management Team
ANTONIO V. PANER
Executive Vice President & Treasurer
Filipino, 58 years old, Mr. Paner serves as Treasurer and head of the Bank’s Global
Markets Group. As such, he is responsible for managing the Bank’s interest rate and
liquidity gaps, as well as its fixed income and currency market-making, trading, and
distribution capabilities, in the Philippines and internationally. Mr. Paner is Chairman
of the Bank’s Asset & Liability Committee and is a member of the Management
Committee and Asset Management Investment Council. Mr. Paner is Chairman of
BPI Forex Corporation, and also serves on the boards of BPI Europe Plc, BPI
International Finance Ltd. and BPI Direct Savings Bank, Inc.

SIMON R. PATERNO
Executive Vice President

. Filipino, 58 years old, Mr. Paterno serves as head of Financial Products and Services. As such, he is
responsible for building and managing BPI’s service capabilities across all asset, liability, payments, and
bancassurance platforms. He also serves on the Bank’s Management, Asset & Liability, Credit
Committees, as well as on the Board of BPI Century Tokyo Lease and Finance Corporation, BPI Century
Tokyo Rental Corporation, BPI Capital Corporation, and BPI/MS Insurance Corporation.
Management Team
ANTONIO V. PANER
Executive Vice President & Treasurer
Filipino, 58 years old, Mr. Paner serves as Treasurer and head of the Bank’s Global
Markets Group. As such, he is responsible for managing the Bank’s interest rate and
liquidity gaps, as well as its fixed income and currency market-making, trading, and
distribution capabilities, in the Philippines and internationally. Mr. Paner is Chairman
of the Bank’s Asset & Liability Committee and is a member of the Management
Committee and Asset Management Investment Council. Mr. Paner is Chairman of
BPI Forex Corporation, and also serves on the boards of BPI Europe Plc, BPI
International Finance Ltd. and BPI Direct Savings Bank, Inc.

SIMON R. PATERNO
Executive Vice President

. Filipino, 58 years old, Mr. Paterno serves as head of Financial Products and Services. As such, he is
responsible for building and managing BPI’s service capabilities across all asset, liability, payments, and
bancassurance platforms. He also serves on the Bank’s Management, Asset & Liability, Credit
Committees, as well as on the Board of BPI Century Tokyo Lease and Finance Corporation, BPI Century
Tokyo Rental Corporation, BPI Capital Corporation, and BPI/MS Insurance Corporation.
Senior Vice Presidents

Joaquin Ma. B. Abola

Dino R. GasmenJoseph Philipanthony S. Parungao
Joseph Anthony M. Alonso
Ma. Cristina L. GoMaria Corazon S. Remo
Olga S. Ang
Maria Theresa M. JavierMa. Mercedes D. Roces
Estelito C. Biacora
Angelie O. KingAngela C. Santiano
Michael D. Calleja
Maria Christine O. LopezJocelyn C. Sta. Ana
Reginaldo Anthony B. Cariaso
Edgardo O. MadrilejoManuel C. Tagaza
Smith L. Chua
Florendo G. MarananJudy K. Tecson
Fidelina A. Corcuera
Pilar Bernadette C. MarquezRoland Gerard R. Veloso Jr.
Rosemarie B. Cruz
Mario T. MirandaHeidi P. Ver
Aniceta P. del Mundo
Eugenio P. MercadoRoy Emil S. Yu
Raul D. Dimayuga
Marie Josephine M. Ocampo
Paul Joseph M. Garcia
Ramon G. Opulencia
Vice Presidents

Ramon Eduardo E. Abasolo

Rodolfo B. FernandezAndrea G. Mina
Albert I. Alberto
Josephine B. FerrerJerom B. Minglana
Jinky C. Almazan
Maria Angelica G. FlorentinoVirginia L. Monfort
Ramon Noel S. Altamirano
Andre M. FloresMa. Lourdes B. Montelibano
Jocelyn C. Alviar
Dennis T. FrondaBarbara S. Munoz
Frances S. Amado
Roberto E. GalvezElfrida S. Narboneta
Homer L. Ancieto
Jesusa Camila V. GangosoEmilio S. Neri
Henry C. Arceo
Maria Paz A. GarciaArnold E. Oliva
Ma Cristina F. Asis
Santiago L. GarciaRafael J. Pertierra
Remarie Suzette A. Ayson
Carlo Carmelo S. GatuslaoDonarber N. Pineda
Daniel S. Bables
Nicanor A. MendiolaLizbeth Joan P. Yulo
Vice Presidents
Miriam Jane M. JacintoAndre Angelo S. Santos
Felices V. Catelo
Carlos A. JalandoniJose Ramon H. Santos
Marie Natalie J. Collado
Ma. Cristina U. JavierRuby Rosario J. Severino
Jaena A. Cebrero
Jose Raul E. JerezaChristmas G. Sevilla
Miguel P. Cervantes
Edgardo R. JimenezElisa M. Silva
Tomas S. Chuidian
Marijoy Y. KawpengJennifer Gayle P. Singian
Luis Geminiano E. Cruz
Danilo L. KimsengAna Maria C. Sison
Ma. Luisa L. Cruz
Ailen C. KhoMa. Christina Z. Sison
Napoleon I. Cruz
Aileen S. LamasutaMa. Dina F. Soriano
Dennis S. David
Conrado E. LazaAna Liza C. Sta. Ana
Arlene S. Dayrit
Eugene O. LeeLourdes O. Sta. Ana
Gracia C. de Jesus
Maria Antonia O. LeongSylvia P. Sumagpang
Maria Joan Socorro J. de Jesus
Maria Teresa Anna K. LimCristina J. Sy
Jose M. de Vera
Roseller B. LimEliza May T. Taco
Ivy Marie E. de Guzman
Vice Presidents

Marita Socorro D. GayaresSusan E. Pimentel

Luisito R. Ballelos
Noemi G. GoMaria Socorro D. Ramirez
Christine Grace A. Bandol
Raymond H. GoErick M. Ramos
Bonifacio M. Banzon
Jesus Angelo O. GomezVictoria Marie G. Ricardo
Ma. Lourdes D. Barrameda
Carmencita Lilia B. GozarShigeo Saito
Ma Cristina A. Basilio
Jenny C. GuevaraJose Esteban J. Salvan
Roberto O. Bautista
Beatrice Marie R. GuzmanMa. Cristina L. San Diego
Maria Concepcion A. Bednar
Charito O. HiterozaManuel C. Sanchez
Rosario J. Benedicto
Luis D. Ibarra Jr.Jose Martin S. Sangco
Ma. Nanette A. Biason
Masahito IkedaMary Catherine Elizabeth P. Santamaria
Felipe P. Carlos
Vice Presidents
Aileen Beryl A. LimketeeRommel D. Tadique
Yvette Mari V. de Peralta
Genaro N. LualhatiArthur Noel S. Tan
Cecile Catherine A. dela Paz
Eric Roberto M. LuchangcoMa Elizabeth V. Tan
Odette S. Diaz
Irmingardo O. LudoviceSheila Marie U. Tan
Amy Belen R. Dio
Maria Consuelo A. LukbanCecilia P. Tanchoco
Irene A. Diomampo
Francisca Ann M. LustreSamuel C. Tang
Melinda V. Dulay
Rodolfo K. MabiasenHerbert Vincent D. Tuason
Brenno C. Dytoc
Abraham Daniel J. MacatangayEdiberto N. Uichanco Jr.
Jo Ann B. Eala
Gerardo E. MagpantayBarbara Ann C. Untalan
Roberto Martin S. Enrile
Lourdes O. MallareLuis C. Urcia
Susan L. Erguiza
Andrae V. ManaloGeorge S. Uy-Tioco
Richmond Ezer O. Escolar
Susana M. ManaloAmalia Lourdes S. Valdez
Ruben Enrique A. Espiritu
Angela Pilar B. MaramagCarmel Ace Q. Villaraza
Mario Gerardo Z. Evaristo
Noelito C. MarcosMarcelino Q. Villegas
Josephine F. Fernandez
Ma. Carmina T. MarquezPaul Roderick A. Ysmael
Rinaldo H. Fernandez
Difference of Old and New Pictures
OLD NEW
Existing Slip Sample
Deposit Slip Withdrawal Slip
CARDS
BPI Blue Master card: The Sensible Card
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CARDS
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BPI Family Credit Card
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CARDS
BPI Amore Visa: The Ayala Malls Lifestyle
Card BPI Debit Cards
• Annual Income Requirement: P180,000 BPI Debit cards are given to deposit
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merchants in Ayala Malls accountholders as a companion to most
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their funds through various banking
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• Contactless Technology
CARDS
BPI Express Gift cards
• BPI Express Gift Cards is the electronic gift
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ones can choose any gift they desire,
whether it is from their favorite boutique,
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My ePrepaid MasterCard
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games and apps!
CARDS
Amore Visa Prepaid
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MARKETING SERVICES
PICTORIALS