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    Banco de Oro Un-WPS Office

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    Love Karen
    Banco de Oro Unibank, Inc. (BDO) is the largest bank in the Philippines that provides financial services to both individuals and corporations. It is owned by the SM Group, one of the country's largest conglomerates. The document discusses BDO's internal analysis, competitive advantage, opportunities and threats in the market, and recommends strategies around product development, market penetration, and horizontal integration.

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    Banco de Oro Un-WPS Office

    Uploaded by

    Love Karen
    37 views2 pages
    Banco de Oro Unibank, Inc. (BDO) is the largest bank in the Philippines that provides financial services to both individuals and corporations. It is owned by the SM Group, one of the country's largest conglomerates. The document discusses BDO's internal analysis, competitive advantage, opportunities and threats in the market, and recommends strategies around product development, market penetration, and horizontal integration.

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    Banco de Oro Unibank, Inc. (BDO) is the largest bank in the Philippines that provides financial services to both individuals and corporations. It is owned by the SM Group, one of the country's largest conglomerates. The document discusses BDO's internal analysis, competitive advantage, opportunities and threats in the market, and recommends strategies around product development, market penetration, and horizontal integration.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    37 views2 pages

    Banco de Oro Un-WPS Office

    Uploaded by

    Love Karen
    Banco de Oro Unibank, Inc. (BDO) is the largest bank in the Philippines that provides financial services to both individuals and corporations. It is owned by the SM Group, one of the country's largest conglomerates. The document discusses BDO's internal analysis, competitive advantage, opportunities and threats in the market, and recommends strategies around product development, market penetration, and horizontal integration.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    of 2

    Banco de Oro Unibank, Inc.

    or BDO is a universal bank in the Philippines involved Finance and

    Insurance industry and provides financial services that extends not only to personal banking, but

    also corporate banking. It is owned by the SM Group of Companies – one of the country’s

    largest conglomerates, which is in turn owned by Henry Sy. BDO is now the largest bank in the

    Philippines in terms of assets, loans and deposits. Its market niche touches the corporate

    market, the middle market banking segment and the retail or consumer market.

    In the conducted external analysis of BDO (4.3.1.) and its competitor analysis (4.2.2.), it

    is shown that BDO’s is equipped in taking effective advantage of opportunities and minimizing

    threats. The analysis show that there are opportunities present for BDO to take, such that of the

    rise in demand for mobile banking applications, increase in automotive loans and the unification

    into a single market come the 2015 ASEAN Economic Integration which pose as challenges that

    BDO should overcome. However, there are also threats that BDO should minimize. In the

    internal analysis (5.8) and the financial analysis (5.3), it was shown that BDO is in a position that

    is proactively upgrading and striving to cater to its clients and providing quality services. It

    shows the strengths of BDO as a business, which should be utilized more in answer to

    opportunities. Meanwhile, such analysis also showed BDO’s weaknesses that should be

    mitigated. it was also found that BDO is in a position to aggressively take on the challenges

    posed by the opportunities stated. In doing so, the objectives for BDO formulated were to

    increase in net income while maintaining expense, increase in market share, increase in

    presence in rural areas and to invest more in technology. In order to achieve such, based on the

    strategy formulation matrices (6.1. to 6.7.), it was recommended for BDO to pursue intensive

    strategies which are that of product development and market penetration and also horizontal

    integration.

    I. INTRODUCTION
    1. Nature of Business

    Banco de Oro Unibank, Inc. or BDO is a universal bank that is involved in providing

    financials services to individuals and corporate markets and specializes in lending, deposit-

    taking, Foreign, Exchange, brokering, trust and investments, credit cards, corporate cash

    management and remittances in the Philippines. BDO belongs to the SM Group of Companies,

    one of the country's largest conglomerates, with businesses spanning between retail, mall

    operations, property development, and financial services owned by tycoon Henry Sy.

    BDO provides services for both individuals and corporations. As for individuals or also

    called as personal banking, it offers eBanking; with services such as phone banking, ATM

    banking, online banking and mobile banking, trust and investments, account management,

    credit card management, loans, remittances and insurance. BDO also offers services to

    corporations such as cash management services, trade facilities, investment banking, treasury,

    foreign exchange, investment advisory services, insurance, leasing and financing, trust and

    investments and corporate credit card management.

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