Philippines · Financial institution
Bdo Unibank, Inc.
BDO Unibank, Inc. is a Philippine stock corporation. It was registered with the Securities and Exchange Commission on 20 December 1967 and has its principal office in Makati City. SM Investments Corporation is its largest shareholder, and the bank describes itself as a member of the SM Group. It is licensed as a universal bank and provides lending, deposits, foreign exchange, trust, cards, cash management and remittance services. Investment banking, private banking, insurance and stock brokerage are provided through its subsidiaries. The Legal Entity Identifier (LEI) record lists its earlier names as Acme Savings Bank, Banco de Oro Universal Bank and Banco de Oro Unibank, Inc.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- BNORPHMMXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under BNORPHMM directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 1994-06-06
- Last updated
- 2023-10-26
Overview
Researched 29 Sep 2026 · Sources
Ownership
Publicly listed
Ticker BDO
Institution type
Universal bank
Trades as BDO
- Ownership
- SM Investments Corporation holds about 39% of subscribed capital (36.39% in common and 2.49% in preferred shares), and the rest of the common shares trade on the Philippine Stock Exchange.
- Major shareholders
- SM Investments Corporation (common 36.39%, preferred 2.49%) 38.88% · 25 Apr 2025
PCD Nominee Corporation (non-Filipino) 24.89% · 25 Apr 2025
PCD Nominee Corporation (Filipino) 13.37% · 25 Apr 2025
Sybase Equity Investments Corporation (common 4.87%, preferred 7.89%) 12.76% · 25 Apr 2025
Multi-Realty Development Corporation 5.93% · 25 Apr 2025 - Stock listing
- Philippine Stock Exchange BDO
- Head office
- BDO Towers Valero, 8741 Paseo de Roxas, Salcedo Village, 1226 Makati City, Philippines (registered office: BDO Corporate Center, 7899 Makati Avenue, Makati City 0726, Philippines)
- Company register
- SEC Registration No. 34001, Securities and Exchange Commission (Philippines)
- Former names
- Banco de Oro Unibank, Inc. · Banco de Oro Universal Bank · Acme Savings Bank
Business lines
The bank provides corporate and consumer lending, deposits, treasury, trust, cash management, cards and remittances. It offers investment banking, private banking, life insurance, insurance brokerage and stock brokerage through subsidiaries.
Online
- Websites & references
- bdo.com.ph ↗
Wikipedia ↗ - Official social accounts
- None found
Sources · 8 pages consulted
- bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/amended-2025-gis-
- bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/results-july25202
- bdo.com.ph/about-bdo/corporate-governance/governance-structure
- bdo.com.ph/business/international-banking
- bdo.com.ph/about-bdo/corporate-profile
- bdo.com.ph/about-bdo/learn/news-and-features/bdo-1h-2026-net-income
- bdo.com.ph/about-bdo/learn/news-and-features/bdo-net-income-full-year-2025
- en.wikipedia.org/wiki/Banco_de_Oro
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Nestor V. Tan President and Chief Executive Officer
- Chair
- Teresita T. Sy Chairperson of the Board
- Executive
- Evelyn L. Villanueva Executive Vice President and Chief Risk Officer
- Executive
- Estela P. Bernabe Lead Independent Director
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Philippines
- Bangko Sentral ng Pilipinas Central bankPrudential supervisorAML supervisorForeign exchange
- Philippines
- Securities and Exchange Commission (Philippines) SecuritiesOther
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The board noted the retirement of Jose Alfredo Guinto Pascual, Senior Vice President in the Risk Management Group, effective 1 August 2026.
bdo.com.ph ↗ -
Leadership
The board appointed Estela P. Bernabe as Lead Independent Director from 25 April 2025, succeeding Dioscoro I. Ramos.
bdo.com.ph ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- BNORPHMMXXX
- How the BIC breaks down
- BNORBank
- PHCountry · Philippines
- MMLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 3FGIIBS1PEI1FYQBGN97
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Philippines · East Asia & Pacific
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
The Bdo Unibank, Inc. group has 5 institutions in the directory, in 3 countries: all hold a BIC.
Including Bdo Private Bank Inc., Bdo Securities Corporation, Bdo Unibank, Inc., Bdo Unibank, Inc., Singapore Branch.
See the Bdo Unibank, Inc. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- BDO CORPORATE CENTER 7899 MAKATI AVENUE MAKATI CITY 0726 PHILIPPINES
- Operational address
- BDO CORPORATE CENTER 7899 MAKATI AVENUE MAKATI CITY 0726 MAKATI CITY PHILIPPINES
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>BNORPHMMXXX</BICFI>
<LEI>3FGIIBS1PEI1FYQBGN97</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>BNORPHMMXXX</BICFI>
<LEI>3FGIIBS1PEI1FYQBGN97</LEI>
<Nm>BDO UNIBANK, INC.</Nm>
<PstlAdr>
<TwnNm>MAKATI</TwnNm>
<Ctry>PH</Ctry>
<AdrLine>BDO CORPORATE CENTER 7899 MAKATI AVENUE MAKATI CITY 0726</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Network
Correspondent banking
3 other banks publish 3 accounts held with this bank.
- Own offices
- Respondent banks: they hold accounts here
Hover over a branch, account or group to see its details
Respondent banks
From the correspondent lists other banks publish
3 other banks publish 3 accounts held with this bank.
| Currency | Respondent bank | Held at | Account | Purpose | Published in |
|---|---|---|---|---|---|
| PHP | Doha Bank Qatar | BNORPHMM | 00-3000506807 | — | dohabank.com.qa ↗ dated Jul 2026 |
| PHP | The Commercial Bank (P.S.Q.C) Qatar | BNORPHMM | 003000453223 | settlement (SSI) | cbq.com.qa ↗ |
| PHP | Unicredit Bank GMBH Germany | BNORPHMM | 4498004435 | FX, money market and derivatives settlement | hypovereinsbank.de ↗ dated 6 Jan 2026 |
Each row is an account the respondent bank lists as held with this bank, as published. Only banks that publish their correspondent accounts, and that Elucidate has researched, can appear, so the list is not complete. Confirm settlement instructions with either bank before relying on them.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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