ÚLTIMAS NOTÍCIAS Manutenção Manutenção Urgente Caros Jogadores, Vamos realizar a nossa manutenção da seguinte forma. Data: Quinta-feira, 23.02.2017 Duração: 2h Server Down: Servidor Up: Global 09:00 UTC 11:00 UTC Costa Oeste (NA) 01:00 PST 03:00 PST Costa Leste (NA) 04:00 EST 06:00 EST Central (UE) 10:00 CET 12:00 CET Razões: Os slots de personagens agora podem ser expandidos para 13 com cupões de slot de personagens. Siga-nos no TwitterFacebook para ficar up2date. Obrigado por seu apoio e compreensão. Atenciosamente, Equipe BDO 1487775600 A Sociedade Secreta Velada e Esquecida na História Cumprimente todos os aventureiros do Deserto Negro. Longa história curta, Dark Knight, a classe mais esperada nova finalmente chegou. Trace de volta aos tempos antes da história para dar uma olhada no início dos Cavaleiros das Trevas e os Rangers. Descubra com seus próprios olhos o que Dark Knight tem para oferecer em Black Desert com sua escuridão luminescente. História de Vedir Em épocas primordiais, antes que a história fosse registrada, a árvore sagrada estêve enraizada no lugar o mais elevado na floresta. Deusa Sylvia desceu junto com espíritos da natureza e nomeou a árvore Kamasylve. A energia do sol e da lua gerou o Ganelle e Vedir, que receberam a bênção do Kamasylve. Enquanto nutria seus filhos, a Deusa um dia subiu de volta ao céu depois de selar sua vontade para Kamasilve, a árvore sagrada. Ganelles e Vedirs que haviam sido deixados para trás se estabeleceram sob as bênçãos da árvore sagrada e prosperaram em seu lugar. Vedirs que se distinguiram. Divided Descendants of Sylvia A calamidade de espíritos escuros para atacar a tribo Kabuya nas extremidades das montanhas. Foi a primeira catástrofe a atingir a próspera Kamasylvia. Os descendentes de Sylvia não possuíam o poder de se proteger e só confiavam na árvore sagrada. Ganelles e Vedirs continuaram a tomar poderes de Kamasylve para purificar os espíritos escuros. Mas já não podiam superar a escuridão penetrante e tiveram de procurar um poder maior. Vedirs insistiu em queimar toda a vontade de vida deixada em Kamasylve para maximizar a força. Tal poder coletivo era de fato suficientemente destrutivo para expulsar toda a escuridão. E assim a guerra com os espíritos escuros chegou a uma conclusão, mas todos gemia em grande tristeza quando Kamasylve caiu em um melão depois. A energia e a vida no ventre da deusa já não podiam ser sentidas. Os descendentes de Sylvia que haviam percebido o perigo concordaram em sublimar o poder dos espíritos da natureza do mais antigo ramo de Kamasylve em uma espada, chamando isso de Espada Kamasylven e ensinando uns aos outros a lidar com a espada. E foi então que o conflito entre Ganelles e Vedirs começou a queimar. Os descendentes de Sylvia se dividiram em quatro facções sobre a questão da utilidade e simbolismo da Espada Kamasylven. Acher foi a primeira das quatro facções a se formar. Achers exigia princípio, lei e ordem absolutos. Rangers foram a segunda facção a ser estabelecida por aqueles que aceitaram a consciência de Kamasylve, em que a história eo progresso coexistem. A terceira facção, os Cavaleiros das Trevas, foi fundada por Vedires e seus seguidores. Como os Rangers, eles aceitaram a consciência de Kamasylve, mas empregaram um método diferente de controlar o poder da natureza. Os Cavaleiros das Trevas passaram a ser atingidos por um golpe, do qual formaram uma facção separatista liderada por distintos Vedires. Aqueles que se interromperam foram os Ahibs, que pined para o poder da escuridão. Não conseguindo ver olho a olho, os descendentes de Sylvia sofreram um conflito interno levando a longos anos de uma guerra fria. Foi quando os Ahibs fugiram para as terras áridas e a paz pareceu ter sido restaurada momentaneamente. No entanto, a fonte do poder nas mãos dos Cavaleiros das Trevas era diferente da dos Achers e Rangers. O poder, que uma vez queimou a energia de Kamasylve, estava inclinado a destruir a natureza. Tais poderes escuros nunca poderiam ser aceitos em Kamasylvia santificada. No final, os Cavaleiros das Trevas deixaram Kamasylvia por vontade própria para evitar conflitos. Os Dark Knights desapareceram e não foram vistos desde então. Até. Cavaleiro das Trevas Introdução O Cavaleiro das Trevas usa o longo e bonito Kriegsmesser para cortar, golpear e esgotar os poderes obtidos da natureza. Embora suas barras com o Kriegsmesser são pesadas e firmes, ela mostra movimentos ágeis e precisos também. Além disso, o Cavaleiro das Trevas usa magia de alcance entre os ataques para derrubar todos aqueles que estão diante dela. As principais habilidades dos Cavaleiros das Trevas, combos naturais elaborados tão bem juntos, são as seguintes. Annihilation repetido Uma habilidade da marca registrada para cortar rapidamente o inimigo em max 4 vezes consecutivamente infligir dano pesado. Você pode apreciar os efeitos escuros do espírito que se formam na direção que você maneja seu Kriegsmesser. Corrupt Ground Dark Knight pode corromper os poderes dos espíritos e torná-los seus próprios. Uma habilidade mágica principal para golpear o chão duro para infligir uma área ampla danos a todos aqueles ao redor. Roda da fortuna Reduz os inimigos envolventes com força e os derruba. O ataque mais eficaz para derrubar inimigos ao redor. Imperious Command Uma habilidade única que pertence ao Dark Knight e deixa uma marca especial nos inimigos direcionados. Os inimigos marcados sofrerão um dano explosivo pesado quando o Comando Imperioso for usado. Dark Knight Customization Image Dê uma espreitadela no encantador Dark Knight através desta imagem Dark Knight entrando em suas aventuras em breve Obrigado sempre pelo seu apoio e paciência. Reviva os poderes escuros agora 1487862000 Amanhecer da Guerra Naval: Expansão Margoria Olá, Aventureiros Até agora você teve seus altos e baixos e viu inúmeras atualizações em nossa jornada juntos. Você se lembra de sua primeira vara de pesca para o litoral Velia Um pouco gasto para aventureiros navais totalmente preparados como vós. Direito Não espere mais Um vasto mar cheio de paixão e aventuras finalmente abriu no Deserto Negro. Dawn of Naval Warfare: Expansão Margoria chegou Definir suas velas alto e olhar para o horizonte distante Todos serão celebrados no temor da beleza cintilante apresentado antes de você. Dawn of Naval Warfare: Expansão Margoria Principais Atualizações Theres um monte de conteúdo novo e especializado ingressando Black Desert Online a partir desta atualização. Novas regiões, mar de Margoria e Porto Ratt O recém-inaugurado mar de Margoria é orgulhosamente apresentado com uma imensa área igual a todas as áreas previamente introduzidas combinadas. Nos oceanos vastos, aprecie fazer exame em monsters de mar gigantescos, travando a vida marinha brandnew, e morando em batalhas naval impressive. O mar maciço maior do que qualquer visto antes. Sobreviver aos ventos ferozes e ondas do mar para descobrir o novo continente Haso aguardando aventureiros como vocês. O acesso ao continente é limitado por enquanto, mas você pode atracar em Port Ratt na costa e desfrutar de negociações generosas que trarão uma grande fortuna. Port Ratt localizado mesmo à saída da terra de Haso. Seja cativado pela arquitetura exclusivamente oriental New Mounts, Galley e Trader Agora você pode construir seus próprios navios de Galley e Trader dos Guild Wharfs recém-adicionados em Guild Houses. Se você é um membro de uma guilda, você é bem-vindo para controlar o volante ou canhões de fogo e adicionar várias peças para fortalecer e decorar o seu navio. Galera nova projetada perfeitamente para batalhas navais A galera é um navio battle-focused que monta 8 canhões que são mais temíveis no mar. Este monte é utilizado principalmente na caça de monstros do mar ou envolvimento em batalhas navais. Capacidade máxima de passageiros é de 10. Embora o poder de ataque é bastante baixo, os comerciantes têm grande durabilidade e grande espaço de armazenamento Comerciantes, como o nome sugere, são projetados para negociação marítima. Os comerciantes podem suportar muito peso e tem armazenamento grande o suficiente para transportar os despojos do mar ou bens negociáveis, mas eles são relativamente fracos em batalhadores navais com apenas 2 canhões equipados. Novos Conteúdos, Comércio Marítimo e Navegação A navegação marítima requer uma navegação hábil para evitar todos os perigos no mar, incluindo imensos monstros marinhos e navios piratas, o que, por sua vez, trará enormes lucros considerando todos os perigos e esforços assumidos. Por mar será ligado à sua guilda. Personagens navegando no mar Margoria ou caçando monstros marinhos residindo dentro aprenderá Vela. Se Sailing nível sobe, você pode executar habilidades úteis para controlar seu Galley ou Trader magistralmente. O mar será seu para levar Personagens com habilidades de alta vela vai se tornar seus amigos mais confiáveis no mar Cuidado com os novos perigos, monstro do mar Colossal Número de monstro marinho colossal estão esperando para golpeá-lo entre as ondas. Os enormes monstros marinhos identificados até agora são Candidum, o chamado Ghost White, Hekaru que engole tudo de uma só vez, Black Rust com uma mandíbula de aço, Nineshark com uma aparência horrível que faz tremer de medo, eo misterioso Ocean Stalker . Seria tolice assumir esses monstros colossais em um pequeno veleiro. Os ataques normais não seriam eficazes e somente os ataques de canhão de uma Galera ou de um Comerciante devem ser usados para derrubá-los. Esteja atento à sua presença e poder superará todas as expectativas. Com grandes desafios vêm os grandes prêmios. Quero testar sua sorte New Adventures, Undersea Explorations As costas do continente revelaram um bom número ou túneis submarinos e belos corais para hipnotizar qualquer aventureiro. Tente coleta subaquática e pegar a vida marinha mais inesperada enquanto ganha conhecimento especial. As antigas ruínas subaquáticas e tesouros misteriosos estimularão todas as curiosidades. Mas certifique-se de que você está bem preparado para o wheeling e lidar. Prepare o seu Splat Fishers roupas ou Da-Dum Da-Dum Ternos de mergulho O mar é demasiado vasto explorar também certifique-se de você não ficar presos e conhecer o seu lugar. Mapa de viajantes e bússolas podem vir em seu auxílio às vezes. O mar aguarda para revelar as mais belas paisagens. Care para a busca de um navio perdido do tesouro Dawn of Naval Warfare: Expansão Margoria Preview Margoria Expansão tem muito mais para oferecer do que o que você viu até agora. As aventuras coloridas e mystical do mar serão apresentadas mas este é somente o começo. Deserto Negro continuará a dar todos os esforços para saciar sua sede de grandes aventuras. Só pedimos sua atenção e antecipação. Obrigado como sempre. 1486054800 Witch Wizard Awakening Atualização Saudações aventureiros. O último conjunto de despertares finalmente atingiu o mundo do Deserto Negro Online Feiticeira e Feiticeiro podem agora comungar com o poder primordial dos elementos através de suas novas armas, o Aad Sphera e Godr Sphera. As poderosas combinações de relâmpagos terrestres e fogo-água esperam por você Witch Awakening Combat Trailer de Combate Magnífico e elegante Contemple a enorme combinação de enormes habilidades mágicas e guardas convocados Uma sociedade de conhecimento, os sábios de Labreve, uma organização de bruxas deliciosas e florescentes . Um talentoso visionário chamado Deneve alimentou o grupo para empurrar fronteiras. Deixe sua imaginação florescer e soar, inquirindo, envolvente e experimentando. Seus esforços deram fruto, fruto do empreendimento. Um avanço mágico chamado Aads Pharos. Excitante notícia, Teleport está aqui Mas em diante ela foi, Deneve nunca parou. Sob nenhuma circunstância ela deixaria de inquirir. Para diferentes dimensões, alegremente pulou. Lá ela fez uma descoberta surpreendente, Maravilhosa, mas não um encontro muito mágico. Pegadas estranhas da história multi-dimensional. Ela deve perseguir, tal é o seu desejo. Wizard Awakening Trailer de Combate de Armas Cuidado com os movimentos perigosos de Wizard, alternando livremente entre fogo e água. Mais Honorable Master, Espero que esta carta te encontre bem. Como você tem feito estes dias Como você já deve saber, as coisas foram bastante agitado. Tenho estado preocupando que sua grande mente poderia ter sido incomodado demais por causa de tudo isso. Deixe-me salvar seu precioso tempo, se eu puder. Nosso plano foi bem sucedido. O jovem Mago, que normalmente passa pelo apelido de Lord Red, foi obliterado e reapareceu em outra dimensão. Para nossa surpresa, não tivemos que levantar um dedo, pois seu próprio orgulho e enorme poder fizeram nosso trabalho para nós. Que desperdício de talento. Ele foi, de longe, o mais talentoso Mago que este mundo já viu, mas sua ambição e ambição o consumiram no final. É assim que avalio este incidente. Meu querido, o mais reverenciado Mestre, O dia de Reds rampage foi puro horror. Você se lembra quando Red inventou uma nova forma de artes mágicas chamada Sphera Que maravilha. Mas o tipo de fogo Sphera era o problema. Seu poder era muito grande para qualquer pessoa para lidar adequadamente. O Red poderia de alguma forma controlá-lo, mas não por muito tempo. Como todos sabemos, Red perdeu totalmente a cabeça quando tentou assumir o controle de toda a Gord-Ayed Tier usando aquele fogo Sphera. Mas tenha a certeza, o mais admirável Mestre. Lorde Red não é mais ele desapareceu em outra dimensão. O estresse e pressão que ele está suportando lá deve ter tomado muito do seu poder, e sua juventude. Ouvi dizer que uma bruxa jovem brilhante de Labreve executou com sucesso um teletransporte e entrou em outra dimensão. Estou um pouco preocupado que Red possa encontrar aquela Bruxa. Ela está cheia de pura curiosidade, assim como o vermelho costumava ser. Eu só espero que a Bruxa não reaviva a curiosidade moribunda na mente de Lord Reds. Não podemos permitir-nos perder tal talento, mais uma vez, podemos, Meu querido Mestre, já fiz isso pessoalmente, mas, novamente, parabéns por ter assumido o reinado de Godr-Ayed Tier. Uma ceia comemorativa que vou preparar está se aproximando rapidamente. Estarei contando dias até então. Espero que você goste Rei da selva Hamburgo fielmente seu, seu homem da mão direita P. S. O falcão tem o ovo. Witch Awakening Skills Witchs Awakening habilidades consistem em poderosas habilidades mágicas baseadas em elementos de terra e relâmpago. Convocar um par de depositários confiáveis, e sua bruxa deve ter várias opções de combate em suas mãos. Com a nova arma de despertar, as bruxas podem literalmente varrer o campo de batalha com habilidades desastrosas. Ao contrário das habilidades de pessoal existentes, as habilidades de despertar usando os Sphera têm um tempo de lançamento relativamente mais curto, permitindo que as Bruxas lidem com os inimigos de forma mais eficiente tornando-os adversários temerosos. As seguintes são algumas das habilidades proeminentes Despertar: Convocar: Keeper Gorr Convocação Keeper Gorr para ajudar a bruxa. Summoned Gorr irá realizar ataques corpo a corpo e proteger a bruxa. Invocar: Guardião Tett Invoca Guardião Tett para ajudar a Bruxa. Summoned Tett irá executar ataques à distância e proteger a bruxa. Paralisia Instantaneamente diminui o ataque, movimento e velocidade de lançamento do alvo. Fissure Wave Causa uma onda violenta subterrânea para infligir dano. Seu MP será levemente recuperado ao usar a habilidade, eo alvo será lançado e cairá no chão. Thunder Storm Maximiza a força do relâmpago e inflige uma enorme explosão à frente. Aprenda a habilidade de fluxo para infligir danos ainda maiores invocando Tett. Yoke of Ordeal Eleva a energia do solo e sucessivamente projeta essa energia para a frente. Wizard Awakening Skills Wizards habilidades de despertar impiedosamente destrutivas são baseadas em elementos de fogo e água. Aprenda a trabalhar com os dois guardiões que você pode convocar para expandir o horizonte de habilidade de combate de magos. Além das habilidades de combate mais fortes, os jogadores irão desfrutar dos efeitos de habilidade espetacular e vívida com base em elementos de fogo e água. As seguintes são algumas das habilidades proeminentes Despertar: Convocar: Guardiã Marg Summons Marg, o detentor de fogo. Invocada Marg irá realizar ataques corpo a corpo e proteger o Assistente. Invocar: Guardião Arne Invoca Arne, o guardião da água. Summoned Arne irá executar ataques à distância e proteger o Assistente. Aqua Jail Explosion Cria uma enorme barreira de água para bloquear o alvo e infligir danos consideráveis. Flame Knot Usando o poder da magia de fogo, instantaneamente captura o alvo e joga-o no chão. Bolide of Destruction Convoca uma chama enorme de doom e deixa cair em uma área designada. A chama é suposto não deixar nada para trás. A onda arrepiante Arne criará uma onda enorme à frente. Qualquer coisa varrida pela onda dificilmente sobreviverá. Quarta-feira, dezembro 21, 2016 Seja o primeiro a verificar para fora a bruxa nova e melhorada e feiticeiro Aprecie os awakenings long-awaited. Obrigado. Equipe Deserta Negra Online 1482325200BDO Unibank Inc (BDO. PS) Sra. Teresita T. Sy foi Presidente do Conselho da BDO Unibank, Inc. desde 28 de maio de 2010. Ela foi eleita pela primeira vez para o Conselho em 1997. Ao mesmo tempo, ela serve Como Presidente, Vice-Presidente e / ou Diretor de várias subsidiárias e afiliadas da BDO, como a BDO Private Bank, Inc. A BDO Leasing Finance, Inc. (PLC), a BDO Capital Investment Corporation, a BDO Foundation, Inc. A Generali Pilipinas Holding Company, Inc. Generali Pilipinas Companhia de Seguros de Vida, Inc. e Generali Pilipinas Insurance Co. Inc. Ela também é Conselheira do Conselho de Um Banco de Rede, Inc. (Um Banco Rural). A Sra. Sy é Vice-Presidente da SM Investments Corporation (PLC) e Conselheira do Conselho da SM Prime Holdings, Inc. (PLC). Ela também atua como Presidente, Vice-Presidente e / ou Diretor de empresas como a Multi Realty Development Corporation, a Belleshare Holdings, Inc. (anteriormente SM Commercial Properties, Inc.), a SM Mart, Inc. a SM Retail, Inc. ea First Asia Realty Development Corp Graduada pela Assumption College, ela traz à diretoria sua variada experiência em banca e finanças, merchandising varejista, shopping e desenvolvimento imobiliário. O Sr. Nestor V. Tan foi Presidente, Diretor Presidente e Diretor da BDO Unibank, Inc. desde 25 de abril de 2014. Ele foi eleito pela primeira vez para a Diretoria em 27 de junho de 1998. Ele também ocupa as vice-presidências e / ou diretorias na Subsidiárias da BDO Unibank, Inc. A BDO Capital Investment Corporation, a BDO Insurance Brokers, Inc. A BDO Leasing and Finance, Inc. (PLC), a BDO Private Bank, Inc. e a BDO Remit (EUA), Inc. Ele também é diretor Em Generali Pilipinas Life Insurance Company, Inc. Generali Pilipinas Seguros Co. SM Keppel Land, Inc. Escola Asiática de Tecnologia de Negócios, bem como diretoria no Conselho Consultivo da Mastercard Worldwide. Ele também é simultaneamente presidente da BDO Strategic Holdings, Inc. Megalink, Inc. e One Network Bank, Inc. (um Banco Rural). Ele é um administrador do seguinte: Fundação BDO, Inc. Fundação Pinoy Me, Conselho de Assessores da Universidade de La Salle e Asian Institute of Management. Ele também atua como Primeiro Vice-Presidente da Associação de Banqueiros das Filipinas (BAP). A carreira bancária do Sr. Tans inclui 15 anos de experiência internacional com o Mellon Bank (agora Bank of New York-Mellon) em Pittsburgh, PA, a Bankers Trust Company (agora Deutsche Bank) em Nova York eo Barclays Group em Nova York e Londres. Antes de ingressar no Banco, foi Diretor de Operações do Grupo de Serviços de Instituições Financeiras da BZW, a subsidiária de banca de investimentos do Grupo Barclays. Ele é Bacharel em Comércio da Universidade de La Salle e recebeu seu MBA da Wharton School, da Universidade da Pensilvânia. O Sr. Jesus A. Jacinto, Jr. foi Vice-Presidente do Conselho da BDO Unibank, Inc. desde 25 de maio de 1996. Ele é simultaneamente Presidente e Presidente da BDO Insurance Brokers, Inc. Ele também chefia a Jaces Corp. como Presidente E Presidente e Janil Realty, Inc. e JAJ Holdings, Inc. como Presidente. Ele também é Diretor da Bayer Phils. Inc. Anteriormente, foi Diretor e Vice-Presidente Executivo da CityTrust Banking Corp. Diretor da CityTrust Investments Phils. E CityTrust Finance Corp. e vice-presidente e sócio-gerente do Citibank N. A. Ele é Bacharel em Administração de Empresas pela Fordham University em Nova York e MBA (Negócios Internacionais) da Columbia University, Nova York. A Sra. Evelyn L. Villanueva atua como Vice-Presidente Executiva, Diretora de Risco e Cabeça - Grupo de Gerenciamento de Risco da BDO Unibank, Inc. Ela também é Presidente e CEO da Mabuhay Vinyl Corporation. É graduada em Estatística pela Universidade das Filipinas. Ela obteve seu Mestrado em Gestão Empresarial (MBA) pelo Instituto Asiático de Administração. Possui mais de trinta (30) anos de experiência bancária em banca corporativa e gerenciamento de risco em toda a empresa, cobrindo crédito, mercado, liquidez, taxa de juros e gerenciamento de risco operacional. Começou como estagiária de gestão na Citytrust Banking Corporation e estava ligada ao HSBC como Vice-Presidente Sênior de Gestão de Risco de Crédito antes de ingressar na BDO. Lucy Co Dy atua como Vice-Presidente Executiva, Controladora e Chefe do Grupo de Controladoria da BDO Unibank, Inc. Ela também é Diretora da BDO Elite Savings Bank, Inc. (anteriormente GE Money Bank, Inc.), BDO Remit Limited, Express Padala Hong Kong Limited, BDO Remit (Itália), SpA Express Padala Frankfurt GmbH e Banco de Ouro Poupança, Inc. (anteriormente Citibank Savings, Inc.) a partir de 25 de março de 2014 Diretor e Tesoureiro da BDO Strategic Holdings, Inc. e Fiduciária e Tesoureira da Fundação BDO, Inc. e Presidente e Presidente do Banclounge Executivo, Inc. e O Signo da Anvil, Inc. Ela foi um Diretor da PCIB Securities, Inc. até 27 de janeiro de 2016. Ela possui um grau de Bacharelado Em Contabilidade pela Universidade de Santo Tomás. O Sr. Pedro M. Florescio, III, é Vice-Presidente Executivo, Tesoureiro e Chefe de Tesouro da BDO Unibank, Inc. desde 2004. É também Diretor da BDO Elite Savings Bank (anteriormente GE Money Bank, Inc.) ( 2009) e um banco da rede, Inc. (um banco rural) (2015). Ele tem um diploma de Bacharel em Administração de Empresas pela Universidade do Leste de Manila e já participou de vários programas de tesouraria e treinamentos nos principais centros financeiros. Ele tem mais de vinte e cinco (25) anos de experiência em funções de tesouraria dentro e fora do país. Ele foi anteriormente ligado com Equitable PCI Bank, Inc. Far East Trust Company, Banco Dao Heng Ltd. (Hong Kong), Banco Internacional da Ásia (Hong Kong), Chemical Bank (Manila), Societe Generale (Manila), European Asian Bank (Manila), e Banco PCI. Ele foi o ex-presidente da MART (Associação de Mercado Monetário das Filipinas, ano de 2005) e ACI Filipinas (The Financial Markets Association, 1997, 1998 e 2007). Sr. Ador A. Abrogena é vice-presidente executivo e chefe do Grupo de Investimentos e Confiança da BDO Unibank, Inc. Bacharel em Engenharia Química pela Universidade de La Salle e Mestrado em Economia Empresarial pela Universidade da Ásia Pacífico. Ele foi previamente ligado com a First Pacific Securities, Filipinas, Inc. como vice-presidente e com a Corporação de Desenvolvimento Privado das Filipinas como vice-presidente assistente. Stella L. Cabalatungan atua como Vice-Presidente Executiva, Diretora - BDO Private Bank, Inc. - Gestão de Relacionamento da BDO Unibank, Inc. É graduada em Administração de Marketing pela Universidade de La Salle. Antes de ingressar na BDO, foi Vice-Presidente do Banco Santander Filipinas, Inc. e Chefe do Grupo de Banca de Investimento Pessoal de 2000 a 2003. Ela também foi Vice-Presidente do Citibank, NA, de 1998 a 2000, onde passou quinze (15) anos No varejo e em operação bancária prioritária em Singapore e nas Filipinas, sua última atribuição que é o Citigold Priority Banking Head. O Sr. Anthony Quin Chua foi Vice-Presidente Executivo e Diretor de Operações Globais da BDO Unibank, Inc. desde junho de 2014. Ele também ocupa cargos de diretor na BDO Remit (Canadá) Ltd. e na BDO Remit (Japan) Ltd. Trinta (30) anos com estâncias no Citibank NA Philippine Bank of Communications e Philippine National BankAllied Banking Corporation, ocupando vários cargos em gerenciamento de relacionamento, gerenciamento de risco, transação bancária, desenvolvimento de produtos, confiança e operações. Ele também foi sócio na SGV Co., especializada em Gerenciamento de Risco e Gerenciamento de Processos do Banco. Ele possui dois graus de Bacharel em Artes e Bacharel em Ciências em Comércio da Universidade de La Salle. Ele recebeu seu MBA e Ph. D. em Finanças da Michigan State University. A Sra. Julie Y. Chua atua como Vice-Presidente Executiva, Chefe - Grupo de Banca Institucional - Banca Comercial (Metro Manila e Luzon) da BDO Unibank, Inc. É Graduada em Comércio, major em Banca e Finanças, Cum Laude, de A Universidade de Santo Tomás. Ela tem mais de vinte e cinco (25) anos de experiência no ramo de operações bancárias e de empréstimos. Antes de sua designação, ela estava ligada ao BPI, Far East Bank Trust Company e Producers Bank. Atualmente, é Chefe de Unidade do IBG Metro Manila East. Gerard Lee B. Co é Vice-Presidente Executivo, Chefe de Grupo - Banca Comercial (Visayas e Mindanao) da BDO Unibank, Inc. É Diretor da Agencia de Calidad, Inc. e Markham One Development Corp. PCI Leasing and Finance, Inc. e PCI Capital Corporation de 2002-2005 e da BDO Leasing and Finance, Inc. de 2010-2012. Graduou-se na Universidade de San Carlos com um diploma de Bacharel em Ciências em Comércio grau, Major em Banca e Finanças. Ele participou do Programa de Gestão Avançada para Banqueiros Internacionais na Wharton School da Universidade da Pensilvânia, E. U.A. Ele também completou o Programa de Desenvolvimento Executivo no IMD em Laussane, Suíça. Ingressou no Banco em outubro de 1993 como Vice-Presidente da Região de Visayas. Sr. Antonio N. Cotoco é Diretor - BDO Leasing Finance, Inc. e Vice-Presidente Executivo Sênior da BDO Unibank, Inc. Atualmente é Diretor da BDO Corretor de Seguros, Inc. BDO Remit (Macau), Ltd. Ltd. BDO Remit Limited, Express Padala (Hong Kong), Limited, Express Padala Frankfurt GmbH, e Presidente da BDO Rental, Inc. Ele tem estado envolvido em Banca de Investimento, Finanças Corporativas, Tesouraria, Banca de Consumo, Crédito, Desenvolvimento e Gerenciamento de Contas nos últimos 36 (36) anos. Atualmente, também atua como diretor da OAC Realty Development Corporation. O Sr. Eduardo V. Francisco atua como Vice-Presidente Executivo e Presidente Diretor - BDO Capital e Corporação de Investimentos da BDO Unibank, Inc. É também Co-Presidente do Conselho de Desenvolvimento de Mercado de Capitais (CMDC) das Filipinas, Vice-Presidente da International Associação dos Institutos de Executivos Financeiros (IAFEI), Tesoureiro Titular da BDO Securities Corporation e Presidente da Averon Holdings Corp. Ele também atua nos conselhos da Associação de Gestão das Filipinas (MAP), UP-Centro de Desenvolvimento Financeiro (UPDCF), CIBI Fundação, Valle Verde Country Club, Inc. (VVCC) e Escola Internacional de Manila. Ele também é colega do Instituto de Diretores Corporativos (ICD), Associação de Acionistas das Filipinas (SharePhil), AFC Merchant Bank e membro do Rotary Makati West e da Equipe de Triathlon de Bike King da PLDT. Anteriormente, foi Presidente do MAP, do Instituto de Executivos Financeiros das Filipinas (FINEX), do Clube Wharton-Penn, da Federação das Associações Valle Verde, da First Valle Verde Association, Inc. e da BDO Securities Corporation. Ele também foi membro anterior do Comitê de Mercados de Capitais da Associação de Banqueiros das Filipinas e do Comitê Consultivo Estratégico da Bolsa de Valores das Filipinas e do Conselho de Desenvolvimento de Negócios de Makati. Anteriormente, foi membro do conselho de administração da Fundação para Empresários Filipinos (FFE), da LGU Guarantee Corp., Associação das Casas de Investimento das Filipinas (IHAP) e da BDO Strategic Corporation. O Sr. Francisco trabalhou com outras instituições financeiras em Nova York e Hong Kong. Ele tem um mestrado em Administração de Empresas da Wharton School da Universidade da Pensilvânia e Bacharel em Administração de Empresas pela Universidade das Filipinas. Ele também é um destinatário do Distinguished Alumnus Award da U. P. Faculdade de Administração de Empresas. A Sra. Jeanette S. Javellana é Vice-Presidente Executiva de Banca Institucional da BDO Unibank, Inc. desde 1º de fevereiro de 2016. Anteriormente, foi Vice-Presidente Sênior, Diretoria de Banca Institucional - Banca Comercial (Luzon e Metro Manila Norte ). A Sra. Javellana é a Diretora da MM West e da MM North Teams sob a Unidade de Banca Comercial do Grupo de Bancos Institucionais. É Licenciada em Tecnologia de Alimentos pela Universidade de Santo Tomás e Unidades Acadêmicas de Mestrado em Administração de Empresas pela Ateneo Graduate School of Business. A Sra. Javellana ingressou no Banco em outubro de 2001. A Sra. Guia Carranza Lim é Vice-Presidente Executiva do Comitê Executivo do Comitê de Crédito de Gerenciamento da BDO Unibank, Inc. desde 6 de janeiro de 2014. Ela é Contador Público Certificado com mais de quarenta (40) Anos de experiência bancária. Foi Vice-Presidente Executiva do Union Bank de 1993 a 2013, responsável pela banca corporativa, gestão de risco, recuperação de activos e alienação de activos hipotecários. Foi nomeada presidente interina do International Corporate Bank (Interbank) para gerenciar a transição do banco incorporado. Antes disso, era vice-presidente executivo do Banco de Terras das Filipinas, supervisionando o setor de bancos comerciais e administrando as unidades de apoio de toda a organização de bancos comerciais. Lim se formou em St. Theresas College. Ricardo V. Martin é Vice-Presidente Executivo, Chefe do Grupo de Tecnologia da Informação da BDO Unibank, Inc. desde 1º de setembro de 2014. Ele também é Diretor da BDO Remit (Itália), S. p.A. BDO Remit (USA), Inc. E BDO RO Europe Ltd. Anteriormente, foi Vice-Presidente Executivo de Compliance Corporativo e supervisionou administrativamente o Escritório de Secretários Corporativos, Unidade de Combate à Lavagem de Dinheiro, Serviços Jurídicos, Compliance, Gabinete de Governança Corporativa e Auditoria Interna. Anteriormente, atuou como Diretor Financeiro Vice-Presidente Executivo da Equitable PCI Bank, Inc. Anteriormente, foi o Diretor Financeiro da Solidbank Corporation. Graduado do Programa de Engenharia de Gestão da Universidade Ateneo de Manila. Edwin Romualdo G. Reyes é vice-presidente executivo do Grupo de Banca de Transações da BDO Unibank, Inc. desde 1º de junho de 2015. Reyes tem mais de 25 anos de experiência no setor bancário. Anteriormente, foi Diretor Administrativo e Chefe Global de Recibos de Depósito na Deutsche Bank Trust Company Américas, Nova York, EUA (Deutsche Bank) de 2006 a 2014. Reyes também atuou como Diretor e Chefe Global de DR Strategies Initiatives and Channel partners De 2001 a 2006 e Diretor Chefe Global de Intermediários, Corporate Trust Agency Services de 1999 a 2001. Antes disso, ele foi Vice-Presidente, Serviços de Fideicomisso de Mercado de Capitais da IBJ Whitehall Financial Services, Nova York, EUA de 1998 a 1999. Sr. Reyes also serves on the board of the University of the Philippines Industrial Engineering Alumni Association (UPIEAA). He holds a Masters Degree in Business Administration, major in FinanceMoney and Financial Markets from Columbia University, Graduate School of Business in New York, USA. Mr. Reyes graduated Cum Laude from the University of the Philippines, with a degree of Bachelor of Science in Industrial Engineering and Operations Research. Mr. Edmundo S. Soriano serves as Executive Vice President, Head - Institutional Banking Group - Corporate Banking of BDO Unibank, Inc. He holds a Bachelors degree in Economics (Honors) from Ateneo de Manila University. He finished his MBA (With Distinction) from Adelphi University, New York, USA. Prior to joining BDO, Mr. Soriano was President of Lightspeed Holdings, Inc. He was also Vice President at JP Morgan Chase where his last assignment gave him Asia-Pacific regional responsibility for corporate and investment banking based in Hong Kong. Prior to this, he was an Assistant Vice President at First Chicago Leasing and Equipment Credit Corp. an affiliate of First National Bank of Chicago. He attended continuing education programs at Euro-Insead, University of California at Berkeley and American Institute of Banking. In 2014, he was the President of the Financial Executives Institute of the Philippines. For 2015, he is the Chairman of Finex Research and Development Foundation, Inc. Ms. Cecilia L. Tan has been Executive Vice President, Head - Institutional Banking Group - Corporate Banking 2 of BDO Unibank, Inc. since June 2, 2014. Prior to joining BDO, she was Director and President of BPI Capital Corp. and Director Chairman of BPI Securities Corp. She has over 30 years experience covering the fields of corporate, investment and private banking. She holds a degree in Bachelor of Science in Business Management from Ateneo de Manila University and post graduate in Advance Management Program in Harvard Business School, Harvard University. Mr. Rolando C. Tanchanco serves as Executive Vice President and Head - Consumer Lending Group of BDO Unibank, Inc. He holds a Bachelors degree in Business Economics from the University of the Philippines. He acquired his MBM at the Asian Institute of Management. Prior to his joining BDO, Mr. Tanchanco was President of Philam Savings Bank and Head of AIG Credit Card. He is currently a Director of BDO Elite Savings Bank, Inc. and Trans Union Phils. Mr. Dennis B. Velasquez serves as Executive Vice President and Head - Central Operations Group of BDO Unibank, Inc. Heis also a Director of Banco de Oro Savings Bank, Inc. and the Executive Banclounge, Inc. and the Sign of the Anvil. He was Equitable PCI Bank, Inc. s Operations Group Head from May 2006 until its merger with BDO in May 2007. He served in 2000 as the Integration Manager for Retail Banking and was Retail Banking Group Head from March 2002 to April 2006. He has been with the Bank since August 1995. He is also a Director of Philippine Clearing House Corporation, and Chairman and President of Denmar Property Managers, Inc. He obtained his Bachelor of Science degree in Industrial Engineering at the University of the Philippines and pursued MBA studies at the Ateneo Graduate School of Business. Mr. Walter C. Wassmer serves as Director - BDO Leasing and Finance, Inc. Senior Executive Vice President and Head - Institutional Banking Group of BDO Unibank, Inc. He is concurrently the Chairman of BDO Elite Savings Bank, Inc. Director of MDB Land, Inc. and was Director of Mabuhay Vinyl Corporation. Mr. Albert S. Yeo has been appointed Executive Vice President at BDO Unibank, Inc. with effect from January 2, 2017. Mr. Yeo has more than 30 years of experience in the financeinvestment industry occupying various positions. He was a Senior Financial AdvisorVice President for Investments at Merrill Lynch Co. in Los Angeles, California since 2006. Prior to that, he was with UBS Financial Services, Inc. Prudential Securities, Inc. IBJ Schroder Bank Trust Co. and Rizal Commercial Banking Corporation. Mr. Yeo holds a Masters Degree in Business Administration Finance from The Wharton School, University of Pennsylvania, USA. He graduated Magna Cum Laude from the Ateneo De Manila University with a degree in Bachelor of Science in Management Engineering. Mr. Jaime C. Yu has been Senior Executive Vice President and Head - Branch Banking Group of BDO Unibank, Inc. He holds a Bachelor of Arts degree in Economics from De La Salle University and is a MBA graduate from the Ateneo de Manila University. He has extensive experience in commercial, corporate, and investment banking from the International Corporate Bank and Union Bank of the Philippines, where he held various positions up to his appointment as First Vice President and Region Head for the Manila-Pasay area. He joined BDO in December 1997. Ms. Rebecca S. Torres has been Senior Vice President, Chief Compliance Officer, Head - Corporate Compliance, Legal Services and Internal Audit Group Anti-Money LaunderingCompliance Unit of BDO Unibank, Inc. since May 1, 2013. Previous positions held were Assistant Corporate Secretary of BDO and concurrent Senior AML Officer and Head of the AML Unit since January 1,2011 up to April 30, 2013. She was also previously the Assistant Corporate Secretary of various BDO subsidiaries such as BDO Leasing Finance, Inc. BDO Private Bank, Inc. BDO Rental, Inc. Armstrong Securities, Inc. and Equimark-NFC Development Corp. She was also the Assistant Corporate Secretary and Trustee of BDO Foundation, Inc. She was also the Corporate Secretary of PCIB Securities, Inc. BDO Strategic Holdings Inc. and the Sign of the Anvil, Inc. She was formerly the Chief of Staff of the President involved in project management for the Banks merger activities. She is a Certified Public Accountant and a graduate of St. Theresas College, Quezon City with a degree of Bachelor of Science major in Accounting. She has completed the Advanced Bank Management Program of the Asian Institute of Management. Ms. Maria Theresa L. Tan serves as Senior Vice President and General Manager - BDO Insurance Brokers, Inc. of BDO Unibank, Inc. She has had more than two decades of experience in sales, marketingproduct management, and general management in the consumer, services, and insurance industries. She graduated from the Ateneo de Manila University with a degree in Business Management minor in Marketing. Prior to joining BDO, she was the General Manager of International SOS, Philippines, Inc. She joined the Bank in July 2009. Ms. Marilyn K. Go is Senior Vice President and Assistant Treasurer - Treasury Group of BDO Unibank, Inc. She holds a Bachelor of Arts degree in Mathematics from St. Pauls College of Manila. She joined the Bank in 1987 as Manager of the Treasury Department. Ms. Evelyn C. Salagubang has been Senior Vice President and Head - Human Resources Group of BDO Unibank, Inc. since July 2011. She was formerly the Head of Human Resources of American Express Savings Bank, with oversight HR role over the American Express International, Inc. and American Express Bank Philippines. Prior to joining BDO, she was the HR Manager for Kraft Foods Philippines, Inc. She holds a degree in Psychology from Assumption College and completed a Diploma Program in Human Resource Management from the same institution. Atty. Alvin C. Go has been Senior Vice President, Head - Corporate Compliance, Legal Services and Internal Audit Group - Legal Services of BDO Unibank, Inc. since June 3, 2013. He has been its Assistant Corporate Secretary, Alternate Corporate Information Officer since October 1, 2015. Prior to joining BDO, he was the Chief Legal Counsel of Philippine National Bank from 2003 to 2012. He was an Associate Attorney for Salonga, Ordonez, Yap, Corpuz Padlan Associates Law Offices from 1985 to 1989. He served as Prosecution Attorney from 1989 to 1990 and State Prosecutor of the Department of Justice from 1990 to 1993. He was a Senior Partner at Go, Cojuangco, Mendoza, Ligon and Castro Law Offices from 1994 to 1999, and Senior Partner at Go and Castro Law Offices from 1999 to 2003. He obtained his Bachelor of Arts, Major in Political Science, from the Immaculate Concepcion College, Ozamiz City and his Bachelor of Laws from Misamis University. Mr. Luis S. Reyes, Jr. serves as Senior Vice President, Head - Investor Relations and Corporate Planning, Director and Treasurer - BDO Leasing Finance Inc of BDO Unibank, Inc. He is concurrently a Director of BDO Strategic Holdings, Inc. He is also a Director and Treasurer of BDO Rental, Inc. He holds a Bachelor of Science degree in Business Economics from the University of the Philippines. He was First Vice President of Far East Bank Trust Company, Trust Banking Group before joining BDO. Mr. Noel L. Andrada has been Senior Vice President and Head - Trust and Investments Group - Business Development of BDO Unibank, Inc. since May 28, 2010. He joined BDO in 2003 as Vice President of the Group. He was formerly connected with BPI Asset Management and Trust Group as Head of Business Development for CorporateInstitutional accounts. He acquired a Masters Degree in Business Management at De La Salle University. He graduated from the same university with a degree in BS Commerce. Ms. Maria Carina S. Antonio has been Senior Vice President, Head - Trust Investments Group - Account Management of BDO Unibank, Inc. since February 2014. She is a nominee director in 5-S Technology Resources Inc. Ajempa Holdings Inc. PH Philippine Holdings, Inc. Balo-I Industrial Inc. IWS Realty Corporation. Allegro Microsystems Phils Realty Inc. CV Holdings Inc. and PJAC Land Corporation. She is also a director of the Trust Officers Association of the Philippines (TOAP). She is a member of the Registered Financial Planners of the Philippines. Ms. Antonio has a twenty-eight (28) years banking career specifically in the trust business. She holds a Bachelors Degree in Applied Economics from De La Salle University. Mr. Rafael G. Ayuste, Jr. has been Senior Vice President - BDO Private Bank, Inc. - Wealth Advisory and Trust Group at BDO Unibank, Inc. since July 16, 2013. He spent more than twenty-eight (28) years in the banking industry with twenty-two (22) of that in the trust industry. Prior to joining BDOPB, he was Trust Banking head of the Philippine National Bank and Security Bank and Deputy Group Head of Metrobank Trust Banking Group. He also held various banking positions as head of Sales and Distribution of Banco Santander, Philippines and Citibank handling the Citibank Savings franchise. He held various positions in the banking industry as Account Officer, Cash Officer, Treasury Sales Officer and Fixed Income Portfolio Manager. He also served as part time lecturer at the De La Salle University under the Management of Financial Institutions Department. He served as three (3) term president of the Trust Officers Association of the Philippines or TOAP and as Board member for six (6) terms. He finished his Bachelor of Science Major in Business Administration at the University of Santo Tomas. He is a nominee for both Master in Business Administration at the De La Salle University and Executive Master in Business Economics at the University of Asia and the Pacific. Ms. Melanie S. Belen has been Senior Vice President, Head - Risk Management Group-Remedial Management of BDO Unibank, Inc. since July 16, 2008. She graduated from the University of Santo Tomas with Bachelor of Science degree in Commerce, Major in Accounting and obtained her Masters degree in Management from the Asian Institute of Management. She joined the Bank in 2008 and prior to joining BDO, she was a Country Head at Scholastic Inc. PhilippinesGrolier International. Mr. Gamalielh Ariel O. Benavides has been Senior Vice President, Head - BDO Private Bank, Inc, - Wealth Advisory and Trust Group of BDO Unibank, Inc. since May 28, 2010. He has over twenty (20) years of banking experience in the areas of Treasury and Financial Markets, Capital Markets Operations, Securities Broking, Deposits and Investment Services, Securities Custody, Settlement and Trust with various financial institutions such as Citibank, N. A. Manila and Singapore Branches, Abacus Securities Corporation, Banco Santander Philippines, Inc. and BDO Private Bank. In 2005, he was conferred the Registered Financial Consultant (RFC) designation by the International Association of Registered Financial Consultants (IARFC), a certification organization based in the U. S. In 2010, he completed the One-Year Course on Trust Operations and Investment Management conducted by the Trust Institute Foundation of the Philippines. Mr. Benavides has a Bachelor of Science degree in Management minor in Philosophy from the Ateneo de Manila University. Ms. Ma. Ophelia L. l. Camina has been Senior Vice President, Head - Consumer Lending Group - UnsecuredBusiness DevelopmentCredit Card Business of BDO Unibank, Inc. since May 12, 2008. She previously held directorship and acted as President of Equitable Card Network, Inc. a BDO subsidiary. Prior to joining the Bank, she was Executive Vice President of SM Equicom Computer Services Inc. She holds a Bachelors degree in Commerce from the University of San Carlos and MBA from De La Salle University. Mr. Arthur Vincent Dee Chung has been Senior Vice President, Head - Financial Institutions Group and Loans and Trade (Hong Kong Branch) of BDO Unibank, Inc. since February 26, 2010. He holds a Bachelor of Science degree in Commerce major in Marketing Management from De La Salle University and a Masters degree in Business Administration from the University of Western Australia. Prior to joining BDO, he was the Chief Financial Officer of Liwayway China Ltd. Shanghai and Liwayway Marketing Corporation in Manila. He also held various positions in banking with Philippine Bank of Communications as Institutional Banking Head, Bank of America as Senior Investment Banker, and Societe Generale as Deputy Country Manager. Mr. Romeo Ramon Martin Co, Jr. has been Senior Vice President - Institutional Banking Group at BDO Unibank, Inc. since January 11, 2016. Mr. Co graduated with honors at The London School of Economics and Political Science, University of London with a degree in Bachelor of Science in Economics. He has more than twenty (20) years experience in the banking industry. He served as Head of Non-Bank Financial Institutions for AsiaTransaction Services Financial Institutions International Banking at The Royal Bank of Scotland plc, Hong Kong from February 2012 to present and Head of Non-Bank Financial Institution Sales for AsiaGlobal Transaction Services Financial Institutions from June 2009 to February 2012. He also worked as SVP and Head of Non-Bank Financial Institutions Sales Asia and Transaction Banking Financial Institution Asia Business Manager at ABN AMRO Bank N. V. Hong Kong from May 2007 to June 2009. Mr. Jonathan T. Cua serves as Senior Vice President, Head - BDO Private Bank, Inc. - Relationship Management (Visayas and Mindanao) at BDO Unibank, Inc. since May 27, 2011. He holds a Bachelors degree in Commerce, Major in Legal Management from the De La Salle University. He has fifteen (15) years banking experience. Mr. Ramon S. David serves as Senior Vice President, Head - Branch Banking Group - Region 4 (Metro Manila East) of BDO Unibank, Inc. Prior to joining the Branch Banking Group in January 2009, he was President of Equitable Savings Bank for close to five years. He joined PCI Bank in 1993 as a Division Head in Corporate Banking. Mr. Montiel H. de los Santos serves as Senior Vice President, Head - Treasury Group - Foreign Currency Sales of BDO Unibank, Inc. He is a graduate of De La Salle University in Manila with Bachelor of Science degree major in Management of Financial Institutions. He has 32 years of banking experience in Treasury Function and Account Management. Ms. Ma. Lourdes T. de Vera serves as Senior Vice President, Head - Trust and Investments Group - Product and Market Development at BDO Unibank, Inc. She holds a Bachelors degree in Economics from the Ateneo de Manila University. She is also a graduate of the Masters in Business Management Program of the Asian Institute of Management and the Executive Development Program of the Research Institute of Management Science, Delft, Netherlands. Prior to joining BDO, she worked for the Private Development Corporation of the Philippines, holding various positions in the Trust and Investments Department, Investment Banking Group, and Economic and Corporate Research. She was the past President of the Trust Officers Association of the Philippines and Governor of the Market Governance Board of Philippine Dealing and Exchange Corporation (PDEx). Mr. Geronimo D. Diaz serves as Senior Vice President, Head - Branch Banking Group - Region 6 (Southern Luzon) at BDO Unibank, Inc. He holds a Bachelors degree in Accounting, Magna Cum Laude, from the University of the East and is a Certified Public Accountant. He joined the Bank in April 1998 as Head of the Corporate Planning Marketing Support of the Bank. Mr. Noel D. Dizon has been Senior Vice President, Head - Branch Banking Group - Region 5 (Metro Manila South) of BDO Unibank, Inc. since April 2010. He oversees the whole Region 5 which consists Alabang, Bicutan, Cavite, Laguna, Las Pinas and Pasay Area. Prior to his current position, he was the Area Head of Region 3 Manila 2 Area from 2007 2010. Before the merger of BDO Unibank and EPCI Bank, he was the Division Head of MM West Transaction Banking Group for 4 years. In 36 years of banking experience, his previous employers were as follows Equitable Bank, BPI Family Bank, Family Savings Bank and SGV Company. He holds a Bachelors Degree in Accountancy and also a Certified Public Accountant. He also received his MBA from Ateneo Graduate School of Business, Ateneo de Manila University. Ms. Gwyneth Mesina Entao has been Senior Vice President - Consumer Lending at BDO Unibank, Inc. since February 1, 2016. Ms. Entao is the Head of Finance and Customer Intelligence Unit of Consumer Lending Group. She holds a Bachelors Degree in Accountancy and Business Administration from Ateneo de Davao University. She has been with the Bank for more than 12 years. Mr. Ismael G. Estela, Jr. serves as Senior Vice President, Corporate Governance Officer - Corporate Compliance, Legal Services and Internal Audit Group of BDO Unibank, Inc. He was appointed Senior Vice President on October 1, 2001. He is also a Director of BDO Remit (Canada) Ltd. BDO Remit (Japan) Ltd. and BDO RO Europe Ltd. Previously, he was Head of Transaction Banking doing cash management, electronic banking, and remittance services and Chairman and President of Express Padala International, Inc. He is a certified public accountant (CPA) and holds a Bachelor of Science degree in Accounting from the University of San Carlos. Ms. Belinda C. Fernandez has been Senior Vice President, Head - Treasury Group - Product Development of BDO Unibank, Inc. since February 1, 2012. She holds Bachelors Degree in Commerce Major in Accounting. Shes been with the Bank for more than 20 years. Ms. Geneva T. Gloria has been Senior Vice President and Head - Remittance Distribution of BDO Unibank, Inc. since June 29, 2013. Presently, she is the concurrent director of the following BDO Unibank, Inc. subsidiaries, namely: BDO Remit (USA), Inc. BDO Remit Limited, Express Padala (Hong Kong) Limited. BDO Remit (Macau), Ltd. Express Padala Frankfurt GmbH, BDO Remit (Canada) Ltd. and BDO Remit (Japan) Ltd. Prior to joining the Bank, Ms. Gloria has a fourteen year banking experience with Far East Bank and Trust Co. wherein she was an expatriate in Spain for three (3) years and as Senior Manager at Equitable PCI Bank for two (2) years. She holds a Bachelors Degree in Business Administration from the University of the Philippines. Mr. Jonathan C. B. Go has been Senior Vice President and Head - Asset Management Group - Chattel Sales of BDO Unibank, Inc. since 1995. He is Chairman of PCIB Securities, Equiland, and Equitable Insurance Corporation. He is also a Director of Northpine Land, Inc. and President of Olympus Import Export Corporation. He is also President of HAI PIN Group Ventures, Inc. He was formerly a director of Strategic Property Holdings, Inc. The Executive Banclounge, Inc. EBC Insurance Brokerage, Inc. Jardine Equitable Finance Corporation, PCIB Properties, Inc. Property Care, Inc. and Equimark NFC Development Corporation a Trustee of PCI Bank Foundation, and The Sign of the Anvil, Inc. and Executive Vice President of Equitable Savings Bank, Inc. Ms. Sonia Maribel D. Go has been Senior Vice President - BDO Private Bank, Inc. - Relationship Management (Makati) of BDO Unibank, Inc. since May 2014. She started her career in BDO Private Bank since October 2003 as part of the Relationship Management Group. Her client base has more than doubled over her 10 years of service and currently handles 200 clients with a portfolio of P25 Billion. Before joining BDO, she was with Citibank Manila also as a Relationship Manager from 1999 to 2003 a Sales Manager in MSI Digiland from 1998 to 1999. She holds a Degree in Business from De La Salle University. Mr. Richard Grau has been Senior Vice President - Seconded to BDO Private Bank at BDO Unibank, Inc. since December 1, 2015. Mr. Grau graduated with honors at Rutgers University with a degree in Bachelor of Science Major in Management. He holds a Masters Degree in Business Administration Major in FinanceAccounting at New York University, Leonard N. Stern School of Business. He has more than 20 years experience in the banking industry. He served as Senior Vice President and Portfolio Manager at Neuberger Berman Group LLC, New York, New York from 2009 to 2015 and Vice President and Trading Manager and Assistant Portfolio Manager from 2006 to 2009. Mr. Lazaro Jerome C. Guevarra serves as Senior Vice President, Head - BDO Capital and Investment Corporation - Advisory and Mergers and Acquisitions Practice of BDO Unibank, Inc. He is a graduate of the University of the Philippines School of Economics. He has over 25 years of experience in investment banking and financial analysis. He is currently the Treasurer of BDO Capital Investment Corporation and is a Director of Averon Holdings, Corp. NorthPine Land Inc. BDO Strategic Holdings, Inc. PCI Insurance Brokers, Inc. PCI Travel Corp. and PCI Management Consultants, Inc. He is also a Trustee and Corporate Secretary of BDO Foundation, Inc. and the Corporate Secretary of Equimark NFC Development Corporation. Mr. Enrico R. Hernandez has been Senior Vice President, Head - Information Technology Group - Information Technology Development of BDO Unibank, Inc. since May 27, 2011. He previously handled the ITD Unit responsible for Consumer Lending and served as the IT Head of BDO Private Bank Inc. He was the Applications Development Head of Banco Santander Philippines, which BDO acquired in 2003. Mr. Hernandez graduated from Ateneo de Manila University with Bachelor of Science degrees in Chemistry and Computer Engineering. Ms. Eleanor Lee M. Hilado has been Senior Vice President, Head - BDO Capital and Investment Corporation - Corporate Finance of BDO Unibank, Inc. since May 29, 2009. She is also concurrently President and Director of Armstrong Securities, Inc. She is a Bachelor of Arts in Economics graduate (Cum Laude) of the University of the Philippines. She was likewise a recipient of the Japan Airlines Scholarship for Asian Studies at the Sophia University in Tokyo, Japan. Mr. Antonio Jose Gerardo N. Jacinto has been Senior Vice President, Head - Institutional Banking Group - Corporate Banking 2 - Team 7 of BDO Unibank, Inc. since August 5, 2013. Prior to joining BDO, he was Director at ING Bank, Manila Branch. He has extensive experience in banking, having also worked among others at Bank of the Philippine Islands, Solidbank Corporation and the International Finance Corporation. He holds a Bachelor of Science degree in Business Economics from the University of the Philippines, and received his Master of Management degree from the Kellogg Graduate School of Management, Northwestern University (Illinois, USA). Mr. Gabriel U. Lim serves as Senior Vice President - BDO Capital Investment Corporation - Corporate Finance of BDO Unibank, Inc. He is also Director and President of PCIB Securities, Inc. and Director of Averon Holdings, Corp. Mr. Lims extensive twenty-eight (28) year banking experience includes key participation in the Philippine Governments privatization programs on behalf of both the Government and private institutions. Mr. Lim has MBM units from the Asian Institute of Management and holds a Bachelor of Science degree in Commerce from San Beda College. Mr. Donald G. Limcaco has been Senior Vice President - Transaction Banking Group at BDO Unibank, Inc. since December 1, 2015. Mr. Limcaco graduated from De La Salle University with a degree in Bachelor of Science Major in Computer Science. He has more than twenty (20) years experience in the banking industry. He is Senior Vice President in e-Commerce and Consumer Marketing Technology Global Enterprise Applications at Bank of America, New York, USA from April 2008 to present. He also worked as First Vice President in Application Development Enterprise Applications and Services at Countrywide Finance Corporation from September 2004 to March 2008. Mr. Manuel Z. Locsin, Jr. has been Senior Vice President, Head - Institutional Banking Group - Corporate Banking 1 - Team 1 of BDO Unibank, Inc. since February 1, 2012. He has more than 20 years of experience in credit lending. Prior to BDO he was with the Account Management Group of Allied Banking Corporation and International Corporate Bank. He holds a Bachelors Degree in Commerce from De La Salle University. Atty. Roy Allan Villatuya Magturo has been Senior Vice President - Legal Services at BDO Unibank, Inc. since February 1, 2016. Atty. Magturo is the Head of Corporate Groups Unit of Legal Services Group. He holds a Bachelors Degree in Behavioral Science and a Masters Degree in Law from the University of Santo Tomas. Atty. Magturo has been with the Bank for more than 20 years. Mr. Manuel C. Malabanan has been Senior Vice President for Trust and Investments Group - Account Management of BDO Unibank, Inc. since November 2014. Prior to joining the Bank, he was Head of the Asset Wealth Management unit of Deutsche Bank AG (Manila Branch) where he worked for eighteen (18) years. He also worked at CityTrust Banking Corporation for sixteen (16) years, occupying various positions in its Trust Department until he became Vice President and Head of Business Development and Portfolio Management. He holds a Bachelors Degree in Business Economics from the University of the Philippines in Diliman. Ms. Maria Corazon A. Mallillin serves as Senior Vice President and Head - Branch Banking Group - Administration of BDO Unibank, Inc. She graduated from the University of the Philippines with a Bachelor of Arts degree in Economics as well as a Bachelor of Laws degree. She joined the Bank in March of 2005 as Region Head of Branch Banking. Ms. Angelita C. Manulat has been Senior Vice President, Head - Consumer Lending Group - SecuredBusiness DevelopmentHome Loans Business of BDO Unibank, Inc. since May 28, 2010. Prior to the merger with Equitable PCI Bank, Inc. (EPCIB), she headed the Home Mortgage Loan Division under the same consumer lending business with EPCIB and as Product Manager in a concurrent position for both Auto and Home Loans product for more than four years. She holds a Bachelors Degree in Accountancy from the University of San Carlos, Cebu City and earned Masters units in Business Administration with the Ateneo de Manila University. Mr. Dalmacio D. Martin is Senior Vice President and Head - Treasury Group - Fixed Income and Derivatives Portfolio Management of BDO Unibank, Inc. He was the Head of HSBC Markets Institutional Sales and Delta Rates Structuring Treasury for Philippines. From October 2007 to February 2009, he headed HSBC Markets Delta Rates Structuring Treasury for Philippines, Vietnam, Sri Lanka, and Mauritius. He was also HSBC Markets Derivatives Trading Head Treasury from December 1998 until October 2007. Mr. Jose Noel M. Mendoza serves as Senior Vice President - BDO Private Bank, Inc. - Wealth Advisory Trust of BDO Unibank, Inc. He has over 20 years of research and investment advisory experience in the areas of fixed income and equity markets and have worked with institutions such as Peregrine Securities (now ATR-Kim Eng), Citibank Securities, Inc. Urbancorp Securities, Inc. and Banco Santander Philippines, Inc. which was acquired by Banco De Oro in September 2003. He was conferred the Registered Financial Consultant (RFC) designation by the International Association of Registered Financial Consultants (IARFC) based in the U. S. in 2004. He completed his one-year Philippine Trust Institute course with distinction in 1997. He holds a Master of Science degree in Industrial Economics from the University of the Asia and the Pacific (formerly Center for Research and Communications) and a Bache lor of Science degree in Industrial Management Engineering minor in Chemical Engineering from De La Salle University. Mr. Tomas Victor Ascalon Mendoza has been Senior Vice President - Transaction Banking at BDO Unibank, Inc. since February 1, 2016. Mr. Mendoza is the Head of the Project Management Unit of Transaction Banking Group. He earned his Bachelors Degree in Commerce, major in Economics and a Masters Degree in Law, major in Civil Law from the University of Santo Tomas. Mr. Mendoza has been with the Bank for more than four years and has more than 20 years banking experience. Mr. Ramon T. Militar serves as Senior Vice President, Head - Branch Banking Group - Region 7 (Visayas and Mindanao) of BDO Unibank, Inc. He is a CPA and holds a Bachelor of Science degree in Business Administration, major in Accounting, from the University of the Philippines. He is also a graduate of the Advanced Bank Management Program (Superior Performance Awardee) of the Asian Institute of Management. Ms. Aurea Imelda S. Montejo has been Senior Vice President and Head - Central Operations Group - Procurement and Premises Management of BDO Unibank, Inc. since February 1, 2012. She has been with the Bank since 1992 as Procurement Head. Prior to joining BDO, she was with SM Shoemart Inc. as Division Merchandising Manager. She is concurrently Director of the Executive Banclounge, Inc. The Sign of the Anvil, Inc. and BDO Equitable Tower Condominium Corp. She holds a Bachelor of Arts degree major in Economics from the University of Santo Tomas. Mr. Jaime M. Nasol has been Senior Vice President and Head - Transaction Banking Group - Cash Management Services of BDO Unibank, Inc. since May 29, 2009. He is a graduate of University of the Philippines at Los Banos with a Bachelors degree in Agribusiness Management and also holds an MBA degree in University of the Philippines Diliman. He started his career with BDO in August 2000, where he was tasked with the establishment of the cash management services unit of the Bank. Ms. Annie H. Ngo serves as Senior Vice President, Head - Branch Banking Group - Group 3 (Metro Manila West) of BDO Unibank, Inc. She graduated Magna Cum Laude from the College of the Holy Spirit of manila and took up MBA units at the Ateneo Graduate School of Business, Ateneo de Manila University. She joined the Bank in October 1988. Atty. Cristina G. Ngo has been Senior Vice President of BDO Unibank, Inc. since February 1, 2015. Atty. Ngo is the Head of Loans Administration Division of Comptrollership Group. She holds Bachelor of Arts in Communications Research and LLB (Bachelor of Law) from University of the Philippines. She has more than 20 years of experience in the banking industry. She joined the Bank in 1994. Mr. Frederico Rafael D. Ocampo has been Senior Vice President, Head - Trust and Investments Group - Asset Management of BDO Unibank, Inc. since September 1, 2014. He also concurrently holds directorships in the Fund Managers Association of the Philippines and Ateneo Scholarship Foundation. Prior to joining the Bank, he was Director, Chief Investment Officer of Asset and Wealth Management of Deutsche Bank AG in Manila. He has twenty (20) year banking career with Deutsche Bank AG Manila and Citytrust Banking Corporation. He completed his Masters of Science in Economics at Pennsylvania State University as The Rotary Foundation Ambassadorial Scholar in May 1994 and obtained his bachelors at the University of the Philippines School of Economics cum laude in 1990. He studied International Baccalaureate at the Lester B. Pearson College of the Pacific in Victoria, Canada as a United World College scholar in May 1987. Ms. Estrellita V. Ong has been Senior Vice President, Chief Internal Auditor and Head - Corporate Compliance, Legal Services and Internal Audit Group - Internal Audit of BDO Unibank, Inc. since April 2013. She joined BDO in 2012 as Senior Vice President for the Internal Audit Division heading Branches Audit. She was formerly connected with Security Bank Corporation retiring as its CIA. Prior to being a CIA, she had held position in Security Bank as Assistant Controller and Executive Assistant to the Chairman handling the Centro Escolar University Finance portfolio. She was also formerly a Director of the 6776 Ayala Condo Corp. and Corporate Secretary of the Eastman Enterprises Corp. Prior to joining the bank mainstream, she had held Controllership position in Evergreen Shipping Corp. s General Agents office and Pioneer Intercontinental Insurance. She had varied experience also in manufacturing being General Manager and Treasurer of several ImportExport businesses subcontracting for branded US luggage and apparels. She is a Certified Public Accountant graduating from the University of the EastRecto with a Bachelor of Science degree in Business Administration. Mr. Martin B. Ordonez has been Senior Vice President, BDO Private Bank, Inc. - Support ServicesOperations of BDO Unibank, Inc. since February 1, 2012. He was appointed First Vice President of BDO Private Bank in February 2010. Prior to this, he was First Vice President and Operations Head of East West Banking Corp. from February 2008 to January 2010, Vice President and Operations Head of BDO Private Bank from August 2003 to January 2008, and Vice President and Operations Head of Banco Santander Phils. Inc. from October 1995, until its acquisition by BDO in August 2003. He held various positions in the Bank of the Philippine Islands from December 1979 to September 1995. He is a graduate of De La Salle University with a Bachelor of Science degree Major in Management of Financial Institutions. Ms. Maria Rhoda B. Orsolino has been Senior Vice President, Head - Institutional Banking Group - Commercial Banking (Luzon) of BDO Unibank, Inc. since May 29, 2009. She has experience in the fields of Corporate Banking, Commercial Banking, Special Accounts Management and Corporate Planning. She was previously connected with Far East Bank, Philbank and Solidbank Corporation. She was formerly Education OfficerComputer Project Officer with British Council, British Embassy, Manila. Ms. Orsolino is a graduate of Bachelor of Arts in Economics from the University of the Philippines. Mr. Jose Alfredo G. Pascual has been Senior Vice President, Risk Management Group - Credit Committee Secretariat of BDO Unibank, Inc. He was appointed Credit Committee Secretariat Head of BDO in June 2011. Prior to this appointment, he assumed various positions related to credit risk management in PCIBank and Equitable PCI Bank, Inc. He holds a Bachelors degree in Commerce, major in Accounting from the University of Santo Tomas. He is also a Certified Public Accountant. Mr. Antonio Ongkiko Pena has been Senior Vice President and Head - Consumer Lending Group - SecuredBusiness DevelopmentAuto Loans Business of BDO Unibank, Inc. since June 2009. He was formerly connected with the Development Bank of Singapore, Bank of Southeast Asia, Insular Savings Bank, International CorporateBank (Interbank) and Bank of America Finance Corp. (BAFC). He holds a Bachelors Degree in Commerce Major in Marketing from San Beda College. Mr. Roger A. Raya has been Senior Vice President, Head - Consumer Lending Group - UnsecuredBusiness DevelopmentCard Acquiring of BDO Unibank, Inc. since February 2014. He currently holds the position of Card Acquiring Head under the Consumer Lending Group. He has 23 years of experience in banking with Citytrust Bank (merged with and into Bank of the Philippine Islands), Bank of Southeast Asia (merged with and into DBS Bank Philippines), DBS Bank Philippines (merged with and into Bank of the Philippines), Philam Savings Bank and AIG Credit Card Philippines (AIG Credit Card Philippines was merged with and into Philam Savings Bank and the surviving entity was renamed AIG Philam Savings Bank, and later on AIG Philam Savings Bank was merged with and into Eastwest Bank). Prior to joining BDO, he held the position of Chief Finance Officer of AIG Philam Savings Bank. He holds Bachelors Degree in Business Administration and Accountancy from the University of the Philippines. Ms. Maria Nannette R. Regala has been Senior Vice President, Head - Consumer Lending Group - SecuredBusiness SupportMarketing of BDO Unibank, Inc. since May 27, 2011. She earned her Bachelors degree in Pharmacy from the University of Santo Tomas. Ms. Regala has more than 19 years banking experience. Ms. Susan Audrey P. Rivera has been Senior Vice President, Head - Consumer Lending Group - SecuredBusiness SupportCredit of BDO Unibank, Inc. since March 1, 2014. She joined BDO Unibank Inc. in April 2004. She was tasked to oversee and manage credit operations and collection for all consumer lending products including credit cards and personal loans. In the past five (5) years, she has driven various automation project initiatives for credit card fraud management, credit and collections. These initiatives are: a) acquisition of a fraud detection tool b) conversion of the BDO MasterCard and Visa credit cards from magnetic stripe to EMV chip cards with implementation of dynamic password for internet transactions, and c) upgrading the secured loans application processing system and consumer lending collection system. To support business growth nationwide, she has increased her units capacity in identified provinces from Northern Luzon all the way to down to Mindanao. Finally, she is always part of the team to ensure a smooth transitionmigration of accounts of acquired portfolios to the BDO infrastructure. Ms. Shirley M. Sangalang has been Senior Vice President, Office of the Board Audit Committee Adviser of BDO Unibank, Inc. since June 1998. She graduated from the University of the East, Cum Laude with a Bachelors degree in Commerce major in Accounting and completed her Masters in Business Economics at the University of Asia and the Pacific in 2005. She is a Certified Public Accountant who served as Head of BDOs Internal Audit from 1984 to 2007. Prior to working with BDO, she worked at SGV as External Auditor and as Budget and Systems Officer at Summa International Bank. In August 2012, she was appointed to the Board of Trustees of the University of Asia and the Pacific Foundation, Inc. (UAPFI). Mr. Gregorio C. Severino has been Senior Vice President, Central Operations Group - Retail Business Process Cluster of BDO Unibank, Inc. since February 2014. He has been with the bank since September 1996. Mr. Severino has been in the banking industry for almost 29 years starting in 1986 as an Auditor in United Coconut Planters Bank for 6 years, and for another 4 years in the Information Technology Management of UCPB as a Technical Customer Support Supervisor, and then as the Information Security Officer until 1996. He joined PCIBank in 1996 as the Head of the Electronic Channel Management until 2003, and then as Division Head of the Direct Banking Division of EPCIBank until 2008. He holds a Bachelors Degree in Commerce Major in Accounting from the University of Santo Tomas, and is a Certified Public Accountant. Ms. Ma. Theresa S. Simbul has been Senior Vice President, Head - Branch Banking Group - Region 1 (Northern Luzon) of BDO Unibank, Inc. since June 29, 2013. She was the Area Head of BDOs Pampanga Zambales branches before becoming the Region Head for Northern Luzon. Ms. Simbul was Division Head for Equitable PCIBanks Retail Banking Group Luzon North Personal Banking Division for nine (9) years prior to her stint with BDO. Before the merger of PCIBank with Equitable Bank, Ms. Simbul was the Area Head of PCIBanks Western Luzon Area under the Branch Banking Segment. Ms. Simbul holds a Bachelors degree in Industrial Management Engineering and MBA from the Ateneo Graduate School of Business, Ateneo de Manila University. Mr. Noel B. Sugay has been Senior Vice President, Treasury Group - Foreign Exchange Portfolio Management of BDO Unibank, Inc. since May 27, 2011. He was hired by BDO in 2004 as part of the BDO Private Bank Treasury. He transferred to BDO Universal Bank in 2005 to head the foreign exchange desk in Treasury. Prior to employment in BDO, he was connected with RCBC also as head of the banks foreign exchange trading desk. He graduated from the Ateneo de Manila University with a Bachelor of Arts degree in Economics. Mr. Robert (Sui Gui) W. Sy serves as Senior Vice President and Head - Branch Banking Group - Region 2 (Metro Manila North) of BDO Unibank, Inc. He has been serving the Bank for more than 20 years. Mr. Edwin R. Tajanlangit has been Senior Vice President, and Head - Risk Management Group - Market and Liquidity Risk Management of BDO Unibank, Inc. since May 29, 2009. He holds a Bachelor of Science degree in Applied Mathematics with Specialization in Statistics, Magna Cum Laude, from De La Salle University. He is a Chartered Financial Analyst (CFA) Charterholder from the CFA Institute, and a Certified Financial Risk Manager (FRM) from the Global Association of Risk Professionals (GARP). He is a former Faculty of De La Salle Universitys Mathematics Department and the Professional Schools Graduate School of Business. He is currently a member of the Bankers Association of the Philippines (BAP) Risk Management Committee and currently heads its Market Risk Sub-Committee. Mr. Arthur L. Tan has been Senior Vice President, Head - Information Technology Group - IT Operations of BDO Unibank, Inc. since May 12, 2008. He joined the Bank in 2002 as Vice President for IT Applications Development and became IT Operations Head in 2003. He was formerly with Accenture as an associate partner in the firms technology practice, working on client projects in the communications and financial services industries. He holds a Bachelors degree in Economics from the University of the Philippines Diliman. Ms. Lorna A. Tan has been Senior Vice President and Chief Executive - BDO Hong Kong Branch of BDO Unibank, Inc. since February 1, 2012. Ms. Tan had a twenty-three year banking career with Solidbank and Equitable Bank. She joined the Branch Banking Group of BDO Unibank, Inc. in 2002. Ms. Tan holds degrees of Liberal Arts and Bachelor of Science in Commerce from St. Scholasticas College and received her Master in Business Management from Asian Institute of Management. Mr. Federico P. Tancongco has been Senior Vice President - BDO Private Bank Inc - Support ServicesLegal and Compliance of BDO Unibank, Inc. since March 1, 2014. He served as trial attorney and solicitor with the Office of the Solicitor General for six years before joining the Rizal Commercial Banking Corporation where he was Trust Legal Councel for the Trust and Investments Division for twelve years. He also serves as trustee in religious non-profit corporations WorldTeach Ministries Philippines, Inc. and Far East Broadcasting Corporation. He holds a Bachelors Degree in Philosophy and Letters from De La Salle University and a Law degree from the University of the Philippines College of Law. Mr. Reynaldo A. Tanjangco, Jr. has been Senior Vice President, Head - Institutional Banking Group - Corporate Banking Group 1 - Team 3 of BDO Unibank, Inc. since February 1, 2012. He holds a Bachelor of Science degree in Management Engineering from Ateneo de Manila University. Prior to joining BDO, he was the Vice President for Corporate Banking of Banco Santander Philippines, Inc. He also held various positions in Corporate Banking with United Overseas Bank Philippines, Solidbank Corporation and Credit Lyonnais Manila Offshore Office. Mr. Joseph Gerard Dizon Tiamson has been appointed Senior Vice President for the Office of the President, effective on September 16, 2016, at BDO Unibank, Inc. Mr. Tiamson graduated from the Ateneo De Manila University with a degree in Bachelor in Business Management. He has more than twenty (20) years experience in banking industry, occupying various positions. He was a consultant at Philippine Savings Bank since January 2016. He also worked at Deutsche Knowledge Services Pte. Ltd. as the Head of Global Business Services Investment Banking Operations from May 2009 to February 2011 and eventually, as the Head of Talent and Development for Global Technology Operations from January 2012 to December 2015. From March to December 2011, Mr. Tiamson also became the Head of Global Business Services Fixed Income Operations for Asia Pacific of Deutsche Bank Aktiengesellschaft. Prior to that, Mr. Tiamson worked with Export and Industry Bank (from July 2006 to April 2009), Standard Chartered Bank (from April 1996 to July 2005), Union Bank of the Philippines (from August 1994 to March 1996) and Citibank, N. A. (from 1987 to July 1994). Mr. Dante R. Tinga, Jr. has been appointed Senior Vice President - Seconded to BDO Nomura Securities, Inc. at BDO Unibank, Inc. with effect from December 16, 2016, after being Seconded to BDO Securities Corporation since June 1, 2016. Mr. Tinga graduated from the University of the Philippines with a Bachelor of Arts. He holds a Masters Degree in Business Administration from the University of Pennsylvania, The Wharton School. He has more than 20 years experience in the banking industry, occupying various positions. He served as Head of Research at Philippine Equity Partners, Inc. from July 2012 to the present. He was also the Head of Research and Strategy at Credit Suisse Securities (Philippines) Inc. from July 2010 to July 2012. Ms. Ma. Mercedes P. Tioseco has been Senior Vice President - Central Operations Group - Customer Contact Center of BDO Unibank, Inc. She is the Head of BDO Customer Contact Center since 2001. She set-up the banks Contact Center in June 2001, which grew steadily, from a staffing of four (4) to a total of 421 Inhouse Customer Service Officers and 230 Outsource Customer Service Representatives to date. It is a multi-channel and multi-site Contact Center that provides customer service support to the banks retail products and electronic banking channels. The Center also provides Telephone Operator Services and Merchant Services (Point-of-Sale). Between 1994 to 2000, she was the Customer Service Division Head of Metrobank Unibancard Corporation and headed Solidbank Corporations Customer Service Center, Branch Administration and Branch Expansion departments, and concurrently held the Customer Service Head Position of Solidcard Corporations Service Department. Prior to her banking career, she worked in Carlos J. Valdes Co. and PCI Capital between 1980 to 1985 and worked as a legal secretaryassistant in various law firms in San Francisco, California from 1985 to 1993. She holds a Bachelors Degree in Commerce Business Management from Assumption College. Ms. Myla Resurreccion Untalan has been Senior Vice President - Digital Infrastructure Services at BDO Unibank, Inc. since February 1, 2016. Ms. Untalan is the Head of Digital Infrastructure Services Unit of the Office of the President. She earned her Bachelors Degree in Commerce, major in Accounting from the University of Santo Tomas. Ms. Untalan has been with the Bank for more than three years and has more than 20 years banking experience. Ms. Rosola A. Vivas has been Senior Vice President and Head - Central Operations Group - Customer Development Unit of BDO Unibank, Inc. since February 2011. Her unit manages and administers BDO Rewards, the Banks loyalty program. Prior to this assignment, she was First Vice President of the Retail Banking Group of the merged Equitable PCI Bank. She joined the Bank as Assistant Vice President for Trust Banking Group of the then Equitable Banking Corporation in July 1997. She was previously connected with the Philippine Stock Exchange, Global Business Bank and the Philippine Deposit Insurance Corporation. She is a Cum Laude graduate of the University of Santo Tomas with a degree of Bachelors of Arts major in Behavioral Science. She was in the Deans list at the Asian Institute of Management where she obtained her Masters degree in Management. She graduated at the top of her class in Trust Banking and Investment Course and was awarded a scholarship by the Trust Institute Foundation of the Philippines to the National Trust School at the University of Chicago in July 2000. Mr. Edward G. Wenceslao serves as Senior Vice President, Head - Institutional Banking Group - International Desks of BDO Unibank, Inc. From 2007 to 2011, he had supervision and management over three Corporate Banking Teams. He was Group Head of Corporate Banking and a member of the Senior Credit Committee and Small Business Credit Committee of Equitable PCI Bank before the merger with BDO. He started his banking career in 1979 as an Investment Researcher at Insular Bank of Asia and America and became Assistant General Manager of the IBAA-Venture Capital Corporation. At PCI Bank, he was a Division Head at Corporate Banking and concurrently Marketing Head of Electronic Banking. He completed his elementary and high school as well as his Bachelor of Science degree in Business Management at the Ateneo de Manila University. He also completed all-academic requirements for his post-graduate studies at the Ateneo Graduate School of Business, Ateneo de Manila University. Atty. Edmundo L. Tan has been Corporate Secretary of BDO Unibank, Inc. since July 27, 2007. He served as Director until May 29, 2009. He has been Corporate Secretary of BDO Private Bank since February 2012. He was formerly a Director of BDO Leasing Finance, Inc. and now serves as Adviser of the Board. Atty. Tan is a Director and the Corporate Secretary of APC Group, Inc. from 2000 up to the present. He served as Director and Corporate Secretary of Philippine Global Communications, Inc. from 2000 until his resignation as Corporate Secretary in 2010 and Aragorn Power and Energy Corporation from 2005 until his resignation as Corporate Secretary in 2012. He is currently Director of PRC MAGMA Resources, Inc. from (2010 up to the present). He was elected director of OCP Holdings, Inc. in July 2012 and likewise elected as Trustee of Philippine Dispute Resolution Center, Inc. (PDRCI) from 2011 up to the present. Atty. Tan is the Managing Partner of Tan Acut Lopez Pison Law Offices from (1993 up to present). He was formerly Senior Partner in Ponce Enrile Cayetano Reyes Manalastas Law Offices, a Partner in Angara Abello Concepcion Regala Cruz Law Offices, and an Associate in Cruz Villarin Ongkiko Academia Durian Law Offices. Mr. Sabino E. Acut, Jr. has been Assistant Corporate Secretary of BDO Unibank, Inc. since July 27, 2007. He is presently a Senior Partner and Head of the Litigation Department of Tan Acut Lopez Pison Law Offices. He was a former Senior Partner and Head of the Litigation Department of Ponce Enrile Cayetano Reyes Manalastas Law Offices (PECABAR) and, before that, a Partner of Angara Abello Concepcion Regala Cruz Law Offices (ACCRA). At various times, he was Corporate Secretary of Boulevard Holdings, Inc. Puerto Azul Golf Country Club, Philippine Hospital Association, and Eastern General Reinsurance Corporation Legal Counsel of Alabang Country Club Trustee of Makati Law Foundation and President of the Legal Management Council of the Philippines. He was Journal Editor of the 1971 Constitutional Convention, Special Assistant to the Director of the Bureau of National and Foreign Information, and Confidential Attorney to former Supreme Court Justice Cecilia Munoz Palma. He is a member of the Integrated Bar of the Philippines and the Philippine Bar Association. He is currently a Director of Philippine Global Communications, Inc. He was the Corporate Secretary of the then Equitable PCIB Bank, Inc. until its merger with the Bank. He holds the degrees of Bachelor of Arts, Magna Cum Laude, from Mindanao State University Bachelor of Laws, Cum Laude, from the University of the East and Master of Laws from the University of Pennsylvania. Mr. Christopher A. Bell-Knight has been reappointed as a Director of BDO Unibank, Inc. effective July 27, 2013. Until his election as Director, Mr. Bell-Knight had been acting as Adviser to the Board of BDO Unibank for more than two (2) years. He had also previously served as Director of BDO Unibank from May 2005 until September 2010. He was an Independent Director of Dumaguete City Development Bank of the Philippines from March 2007 to March 2013. He is currently an Advisor to the Board of Dumaguete City Development Bank of the Philippines. He was formerly a Director of Solidbank Corp. and Vice President and Country Head of The Bank of Nova Scotia. He has had over forty (40) years of banking experience in England, Canada, and Asia of which thirty-five (35) years were spent in credit and marketing. Mr. Bell-Knight is an Associate of the Chartered Institute of Bankers British, an Associate of the Institute of Canadian Bankers, and a Fellow of the Institute of Corporate Directors. He studied at Frome Grammar School, Somerset, England and attended universities both in England and Canada. Atty. Antonio C. Pacis has been Director of BDO Unibank, Inc. since June 25, 2004. He currently serves both BDO 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 planning. 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). Ms. Josefina N. Tan has been reappointed Director of BDO Unibank, Inc. since July 27, 2007. Concurrently, she serves as PresidentDirector of BDO Private Bank, Inc. She is also Chairman of the Board of Miriam College and a Trustee of Development Center for Finance and Laura Vicua Foundation. She was a Director of Banco de Oro Universal 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 BDO in May 2007. Ms. Tan holds a degree of Bachelor of Arts major in Communications Arts from Maryknoll College, and Masters in Business Administration from Ateneo Graduate School of Business. Mr. Jose F. Buenaventura has been Independent Director of BDO Unibank, Inc. since April 19, 2013. He is a Senior Partner of the Romulo Mabanta Sayoc de los Angeles Law Offices since 1976. He is President and Director of Consolidated Coconut Corporation. He is likewise Director and Corporate Secretary of 2B3C Foundation, Inc. and Peter Paul Philippines Corporation. He is also a Member of the Board of BDO Securities Corporation (as an independent director), Capital Managers Advisors, Inc. Cebu Air, Inc. (PLC), GROW, Inc. GROW Holdings, Inc. Hicap Properties Corporation, Himap Properties Corporation, La Concha Land Investment Corp. Melco Crown (Philippines)Resorts Corp. (PLC), Philippine First Insurance Co. Inc. Philplans First, Inc. Techzone Philippines, Inc. The Country Club, Inc. Total Consolidated Asset Management, Inc. and Turner Entertainment Manila, Inc. Atty. Buenaventura holds the degrees of Bachelor of Arts and Bachelor of Laws from the Ateneo de Manila University, and a Master of Laws from Georgetown University Law Center in Washington, D. C. Mr. Jones M. Castro, Jr. has been Independent Director of BDO Unibank, Inc. since April 20, 2012. Mr. Castro has 42 years of banking expertise, with 32 years of international banking experience. From 2009 to 2011, Mr. Castro was the Area Head for South and Southeast Asia of the Wells Fargo Bank, San Francisco. As Area Head, Mr. Castro managed 12 countries, 11 overseas offices, 102 team members and US3 Billion in loans. From 2006 to 2009, Mr. Castro was Regional Head for Latin America 1, including the Caribbean, of the Wachovia Bank, Miami, and managed 25 countries, 3 overseas offices, 30 team members and US1.8 Billion in loans. From 2005 to 2006, he was Executive Vice President and International Banking Group Head of the Union Bank of California, San Francisco. From 1990 to 1994, he was Senior Vice President Controller of Bank of California, San Francisco, and from 1994 to 1997, he was its Senior Vice President of Strategic Planning in Office of the President. Mr. Castro is currently Executive Vice Chairman and Trustee of the PhilDev USA and PhilDev S T, and is a Fellow at the Institute of Corporate Directors. Mr. Castro obtained his Bachelors degree in Applied Mathematics in Economics, Cum Laude, from Harvard University. He received his Masters in Business Administration, Accounting Finance, from Stanford University. Mr. Dioscoro-Roy I. Ramos has been Independent Director of BDO Unibank, Inc. since January 9, 2016. Mr. Ramos is the Chief Investment Officer (CIO) of R Y S Investments Ltd. Hong Kong since 2011. He was Head of Asia Financials Investment Research of Goldman Sachs Asia, LLC, Hong Kong from 1994 to 2011 and appointed Managing Director in 1998 and Partner in 2006. Prior to that, he was with Mellon Bank, N. A. with postings in Pittsburgh, Philadelphia, New York, and Hong Kong. Mr. Ramos is a Certified Public Accountant. He holds a BS degree in Business Administration and Accountancy, cum laude, from the University of the Philippines and a Masters Degree in Business from Wharton School, University of Pennsylvania. Mr. Jimmy T. Tang has been Independent Director of BDO Unibank, Inc. since July 27, 2002. He served as a regular director of BDO from 1984 until his election as independent director. He is the President and Chairman of the Board of the Avesco Group of Companies. He currently serves as Honorary President of the Federation of Filipino-Chinese Chambers of Commerce and Industry, Inc. (FFCCCII) and Honorary Adviser of the Federation of Electrical and Electronics Suppliers and Manufacturers of the Philippines, Inc. (PESA) Chairman Emeritus of PESA Foundation. He also served two terms as the 11th President of FFCCCII. Mr. Tang was the 9th President of PESA and the first Chairman of the PESA Foundation, which he served for seven years. He holds a Bachelors degree in Electrical Engineering from the Mapua Institute of Technology and was awarded the Top Outstanding Mapuan for Entrepreneurship in 1987. Mr. Gilberto C. Teodoro, Jr. has been Independent Director of BDO Unibank, Inc. since April 25, 2014. He is the Chairman of Sagittarius Mines, Inc. He was formerly Chairman of Suricon Resources Corporation and PNP Foundation, Inc. He is also a member of the Board of Directors of Philippine Geothermal Production Company, Incorporated, Canlubang Sugar Estate and member of the Board of Advisors of Seawood Resources, Incorporated. He served as Secretary of National Defense from 2007 to 2009 and was a Member of the Philippine House of Representatives from 1998-2007. He trained under former Solicitor General Estelito P. Mendoza Esq. and was involved in a wide range of issues constitutional, corporate, criminal, civil, and administrative and in pro-bono work to assist various indigent litigants from 1990 to 1997. Mr. Teodoro holds a Bachelor of Science degree in Commerce, Major in Management of Financial Institutions from the De La Salle University Bachelors degree in Law (LLB) from the University of the Philippines and Masters in Law degree (LLM) from the Harvard Law School, USA. He placed first in the Philippine Bar Examinations of 1989 and was admitted to the State Bar of New York. Reuters é a divisão de notícias e mídia da Thomson Reuters. A Thomson Reuters é a maior agência internacional de notícias multimídia do mundo, fornecendo notícias sobre investimentos, notícias do mundo, notícias de negócios, notícias de tecnologia, notícias de destaque, notícias de pequenas empresas, alertas de notícias, finanças pessoais, mercado de ações e fundos mútuos. Móveis e plataformas de televisão interativas. Learn more about Thomson Reuters products: Information, analytics and exclusive news on financial markets - delivered in an intuitive desktop and mobile interface Everything you need to empower your workflow and enhance your enterprise data management Screen for heightened risk individual and entities globally to help uncover hidden risks in business relationships and human networks Build the strongest argument relying on authoritative content, attorney-editor expertise, and industry defining technology The most comprehensive solution to manage all your complex and ever-expanding tax and compliance needs The industry leader for online information for tax, accounting and finance professionalsBDO foreclosed properties for sale in Metro Manila updated as of October 20, 2010 Last updated on March 12, 2013 by Jay Castillo Filed Under: Foreclosed Properties 52 Comments Note: The most updated listings of Banco De Oro (BDO) foreclosed properties can be found through this link: BDO foreclosed properties . The listing below is outdated but you may still access it for reference purposes. Here is a listing of Banco De Oro or BDO foreclosed properties . updated as of October 20, 2010 . This particular listing includes BDO foreclosed properties for sale located within Metro Manila. If you are interested in any of the properties and need more details, please leave a comment below so I can refer you to the designated person-in-charge. Dont forget to indicate the propertys location, address, and your correct e-mail address (this wont be shown publicly), when leaving a comment. Other listings that include BDO foreclosed properties from Luzon, Visayas, Mindanao, properties for joint venture . and repossessed cars are to follow. Sale shall be on as is where is basis. Prices are subject to change without prior notice. All offers are subject to Management approval. Interest rates are based on prevailing rate at time of availment. Lease offers welcome for all condominium units listed except those under With Authority to Sell. Please call for price. Where applicable, prices are exclusive of VAT Note: The most updated listings of Banco De Oro (BDO) foreclosed properties can be found through this link: BDO foreclosed properties . The listing below is outdated but you may still access it for reference purposes. BDO FORECLOSED PROPERTIES FOR SALE (METRO MANILA) Interested in any of the Metro Manila properties for sale from BDO As mentioned above, if you are interested in any of the properties on the list, please leave a comment below so that I can refer you to the designated person-in-charge from BDO. Dont forget to include the location of the property or properties, and their address. Please use a valid e-mail address (your e-mail address will not be shown publicly) when leaving a comment so that I can contact you as regards to your inquiry . You may also directly contact the source of this listing, which is Ms. Mary Jean V. Reyes. Shes the Manager for Metro Manila Sales, Asset Management Group. Her telephone numbers are: 0917-8515802 and 702-7038 . To help ensure you are on the same page, dont forget to mention that you are inquiring about a property from the October 20, 2010 listing posted at ForeclosurePhilippines co Jay Castillo (thats me). To our success and financial freedom Text by Jay Castillo and Cherry Castillo. Copyright 2010 All rights reserved. PS. Dont be the last to know, subscribe to e-mail alerts and get notified of new listings of bank foreclosed properties, public auction schedules, and real estate investing tips. Mailbox getting full Subscribe through my RSS Feed instead BEFORE YOU BUY A FORECLOSED PROPERTY, YOU NEED TO CONDUCT DUE DILIGENCE Our Property Due Diligence Checklist will help you avoid problematic properties. Grab your free copy now. About Jay Castillo Jay is the owner, founder, and editor-in-chief of The Foreclosure Philippines blog. After several successful real estate deals, he quit his job as I. T. Manager to focus on Real Estate Investing. He is a PRC licensed Real Estate Broker (REB License 3194). Read more Hello, i8217m interested in this property. Could you please email me the details. Thank you Unit 1604, Cityland Pasong Tamo Tower, Chino Roces Ave. Makati City 38.10 1,524,000.00 Unit 1861, Park Avenue Mansion, Park Ave. Pasay City (with Authority to Sell) 26.19 1,200,000.00 Unit 1863, Park Avenue Mansion, Park Ave. Pasay City (with Authority to Sell) 26.19 1,200,000.00 State Centre Condominium, No. 333 Juan Luna corner Ingreso, Reyna and Muelle de Binondo Sts. Binondo, Manila Unit 912 48.66 1,946,400.00 Hi Ma8217am Tess, since this listing was updated in 2010, i would suggest we check the updated list first. We will publish the new list from BDO by tomorrow, February 15, 2013. We are also implementing something so that all listings are pointing to the updated list at any given time, and next in line for this are the listings from BDO. Thank you for the inquiry, we8217ll assist you with the new listing. Oi. i am interested in this property. Pls email me the details, or the contact person in charge. obrigado. 10-C Mozart St. Greenville Subd. Tandang Sora, Quezon City 42 88 1,767,000.00 Hi Nancy, I already forwarded your inquiry through e-mail and included you in the recipients. Please confirm if you received a copy of the e-mail. Thanks GOT A LIST OF
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