--- title: "Bdo Unibank, Inc. SWIFT/BIC code BNORPHMMXXX · Philippines | Elucidate" description: "SWIFT/BIC code BNORPHMMXXX for Bdo Unibank, Inc., Philippines. Head-office BIC, LEI 3FGIIBS1PEI1FYQBGN97, addresses and Swift connectivity." url: https://elucidate.co/directory/bdo-unibank-inc-bnorphmm --- 1. [Directory](https://elucidate.co/directory) 2. [Philippines](https://elucidate.co/directory/country/ph) 3. Bdo Unibank, Inc. 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. BIC **BNORPHMMXXX** LEI **[3FGIIBS1PEI1FYQBGN97](https://search.gleif.org/#/record/3FGIIBS1PEI1FYQBGN97)** Licence no. **Not on a tracked register** Connected to Swift Head-office BIC only [**3** respondent banks](https://elucidate.co/directory/bdo-unibank-inc-bnorphmm#respondents) [Group: Bdo Unibank, Inc.](https://elucidate.co/directory/group/3FGIIBS1PEI1FYQBGN97) [Claim this profile](https://elucidate.co/directory/bdo-unibank-inc-bnorphmm#claim) ## 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 Swift - **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](https://elucidate.co/directory/bdo-unibank-inc-bnorphmm#overview-sources) Total assets PHP 4.64tn Group · 31 Dec 2024 · [annual report ↗](https://www.bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/amended-2025-gis-jan52026.pdf) Employees 37,627 headcount · This entity · 25 Apr 2025 · [regulatory filing ↗](https://www.bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/amended-2025-gis-jan52026.pdf) 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 - Retail banking - Corporate banking - SME banking - Transaction banking & payments - Trade finance - Cards - Mortgage lending - Consumer finance - Private banking & wealth - Markets & trading - Custody & securities services 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 ↗](https://www.bdo.com.ph/) [Wikipedia ↗](https://en.wikipedia.org/wiki/Banco_de_Oro) - **Official social accounts:** None found Sources · 8 pages consulted 1. [bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/amended-2025-gis-](https://www.bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/amended-2025-gis-jan52026.pdf) 2. [bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/results-july25202](https://www.bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/results-july252026-boardmtg-financials-pr.pdf) 3. [bdo.com.ph/about-bdo/corporate-governance/governance-structure](https://www.bdo.com.ph/about-bdo/corporate-governance/governance-structure) 4. [bdo.com.ph/business/international-banking](https://www.bdo.com.ph/business/international-banking) 5. [bdo.com.ph/about-bdo/corporate-profile](https://www.bdo.com.ph/about-bdo/corporate-profile) 6. [bdo.com.ph/about-bdo/learn/news-and-features/bdo-1h-2026-net-income](https://www.bdo.com.ph/about-bdo/learn/news-and-features/bdo-1h-2026-net-income) 7. [bdo.com.ph/about-bdo/learn/news-and-features/bdo-net-income-full-year-2025](https://www.bdo.com.ph/about-bdo/learn/news-and-features/bdo-net-income-full-year-2025) 8. [en.wikipedia.org/wiki/Banco\_de\_Oro](https://en.wikipedia.org/wiki/Banco_de_Oro) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bdo-unibank-inc-bnorphmm#overview-sources) - **Chief executive:** Nestor V. Tan President and Chief Executive Officer Confirmed 29 Sep 2026 · [bdo.com.ph ↗](https://www.bdo.com.ph/about-bdo/corporate-governance/governance-structure) - **Chair:** Teresita T. Sy Chairperson of the Board Confirmed 29 Sep 2026 · [bdo.com.ph ↗](https://www.bdo.com.ph/about-bdo/corporate-governance/governance-structure) - **Executive:** Evelyn L. Villanueva Executive Vice President and Chief Risk Officer Confirmed 7 Jan 2026 · [bdo.com.ph ↗](https://www.bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/amended-2025-gis-jan52026.pdf) - **Executive:** Estela P. Bernabe Lead Independent Director Confirmed 29 Sep 2026 · [bdo.com.ph ↗](https://www.bdo.com.ph/about-bdo/corporate-governance/governance-structure) ## Supervisors & regulators Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bdo-unibank-inc-bnorphmm#overview-sources) - **Philippines:** Bangko Sentral ng Pilipinas Central bank Prudential supervisor AML supervisor Foreign exchange - **Philippines:** Securities and Exchange Commission (Philippines) Securities Other ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bdo-unibank-inc-bnorphmm#overview-sources) 1. Aug 2026 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 ↗](https://www.bdo.com.ph/content/dam/bdounibank/en-ph/about-bdo/disclosures/all-disclosures/2026/results-july252026-boardmtg-financials-pr.pdf) 2. Apr 2025 Leadership The board appointed Estela P. Bernabe as Lead Independent Director from 25 April 2025, succeeding Dioscoro I. Ramos. [bdo.com.ph ↗](https://www.bdo.com.ph/about-bdo/corporate-governance/governance-structure) 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:** 1. BNOR Bank 2. PH Country · Philippines 3. MM Location 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 3FGIIBS1PEI1FYQBGN97 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/3FGIIBS1PEI1FYQBGN97) - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Profile - **Type:** Financial institution - **Regulation:** Not on a tracked register - **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.](https://elucidate.co/directory/bdo-private-bank-inc-bopbphmm), [Bdo Securities Corporation](https://elucidate.co/directory/bdo-securities-corporation-bdscphm1), [Bdo Unibank, Inc.](https://elucidate.co/directory/bdo-unibank-inc-bnorhkhh), [Bdo Unibank, Inc., Singapore Branch](https://elucidate.co/directory/bdo-unibank-inc-singapore-branch-bnorsgsg). [See the Bdo Unibank, Inc. group →](https://elucidate.co/directory/group/3FGIIBS1PEI1FYQBGN97) 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 ```xml BNORPHMMXXX 3FGIIBS1PEI1FYQBGN97 ``` ### 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 ```xml BNORPHMMXXX 3FGIIBS1PEI1FYQBGN97 BDO UNIBANK, INC. MAKATI PH BDO CORPORATE CENTER 7899 MAKATI AVENUE MAKATI CITY 0726 ``` 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. ### 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](https://elucidate.co/directory/doha-bank-dohbqaqa) Qatar | BNORPHMM | 00-3000506807 | — | [dohabank.com.qa ↗](https://www.dohabank.com.qa/international/financial-institutions-trade/list-of-nostro-accounts/) dated Jul 2026 | | PHP | [The Commercial Bank (P.S.Q.C)](https://elucidate.co/directory/the-commercial-bank-p-s-q-c-cbqaqaqa) Qatar | BNORPHMM | 003000453223 | settlement (SSI) | [cbq.com.qa ↗](https://www.cbq.com.qa/en/personal/ways-to-bank/correspondent-bank-list) | | PHP | [Unicredit Bank GMBH](https://elucidate.co/directory/unicredit-bank-gmbh-hyvedemm) Germany | BNORPHMM | 4498004435 | FX, money market and derivatives settlement | [hypovereinsbank.de ↗](https://www.hypovereinsbank.de/content/dam/hypovereinsbank/unternehmen/pdf/Downloadcenter/SSI-Financial-Institutions-HYVEDEMM-for-FX-MM-Derivatives.pdf) 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. ## Related institutions ### Subsidiaries in the directory - [Bdo Private Bank Inc. BIC BOPBPHMM Financial institution Not on a tracked register Philippines · Not on a tracked register · LEI 549300EKTBDWRBXSB835](https://elucidate.co/directory/bdo-private-bank-inc-bopbphmm) Entities that GLEIF records with this LEI as their direct parent. ### Same group - [Bdo Securities Corporation BIC BDSCPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · LEI 2549004GMVCHRYS8LW05](https://elucidate.co/directory/bdo-securities-corporation-bdscphm1) - [Bdo Unibank, Inc. BIC BNORHKHH Financial institution Not on a tracked register Hong Kong SAR China · Not on a tracked register · LEI 549300FKBDBMXH4N9N93](https://elucidate.co/directory/bdo-unibank-inc-bnorhkhh) - [Bdo Unibank, Inc., Singapore Branch BIC BNORSGSG Financial institution Not on a tracked register Singapore · Not on a tracked register · LEI 549300PXLLK5QCF1XC81](https://elucidate.co/directory/bdo-unibank-inc-singapore-branch-bnorsgsg) [All 5 institutions in the Bdo Unibank, Inc. group →](https://elucidate.co/directory/group/3FGIIBS1PEI1FYQBGN97) ### Same name, different BIC - [Bdo Unibank, Inc. BIC DHBIPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bdo-unibank-inc-dhbiphm1) - [Bdo Unibank, Inc. BIC RETHPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bdo-unibank-inc-rethphm1) ### Largest institutions in the Philippines - [Asiatrust Bank BIC ATDBPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/asiatrust-bank-atdbphm1) - [Global Business Holdings Inc. BIC PCBAPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/global-business-holdings-inc-pcbaphm1) - [Land Bank of the Philippines BIC TLBPPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/land-bank-of-the-philippines-tlbpphm1) - [Citibank N.A (Manila Branch) BIC CITIPHMX Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-manila-branch-citiphmx) - [The Hongkong and Shanghai Banking Corporation LTD - Philippine Branch BIC HSBCPHMM Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI 2HI3YI5320L3RW6NJ957](https://elucidate.co/directory/the-hongkong-and-shanghai-banking-corporation-ltd-philippine-branch-hsbcphmm) - [Bank of China (Hong Kong) Limited- Manila Branch BIC BKCHPHMM Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI 54930053HGCFWVHYZX42](https://elucidate.co/directory/bank-of-china-hong-kong-limited-manila-branch-bkchphmm) - [Jpmorgan Chase Bank, N.A. - Manila Branch BIC CHASPHMM Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI 7H6GLXDRUGQFU57RNE97](https://elucidate.co/directory/jpmorgan-chase-bank-n-a-manila-branch-chasphmm) - [Samsung Electronics Philippines Corp. BIC SECTPHM1 Non-financial corporate Not on a tracked register Philippines · Not on a tracked register · LEI 254900PDDLNNMSYV1217](https://elucidate.co/directory/samsung-electronics-philippines-corp-sectphm1) [See every BIC in Philippines →](https://elucidate.co/directory/country/ph#bics) Claim this profile ## Work at Bdo Unibank, Inc.? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. 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 →](https://elucidate.co/directory/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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.