June 14, 2024
BDO and SM elevate the shopping experience for OF families w/ Kabayan Tuesday
June 7, 2024
20 years of BDO ShopMore Mastercard: MORE Rewards, MORE Fun!
- · FREE Membership Fee on the first year
- · 250 Welcome Bonus Peso Points after the first purchase
- · 2x Peso Points from everyday everywhere purchases
- · Extra Cashback instant savings, and year-round exclusive deals from in-store and online purchases from select partners*
- · Discounts on dining and food deliveries from select partners*
- · Buy Now, Pay Later deals from over 20,000 stores with 0% interest
March 19, 2021
5 Easy Tips Para Mapalago Ang Iyong Ipon
BDO NETWORK BANK, EASY TIPS PARA MAPALAGO ANG IPON. Bigyang halaga ang pag-iipon sa bangko para laging handa sa oras ng pangangailangan.
Kaliwa’t
kanan ang advice tungkol sa pag-iipon. Pero para sa iba, madaling sabihin pero
mahirap gawin. Huwag mag-alala, narito ang 5 na practical tips para mapalago
ang iyong ipon at guminhawa ang buhay mo.
1.
Dapat consistent ang pag-budget at pag-manage ng gastos
Ugaliing
gumawa ng budget para sa iyong mga gastusin buwan-buwan. Mahalagang nakaplano
kung saan mapupunta ang kita mo.
Maraming
paraan, para ma-monitor ang gastos mo. Pwedeng mag-download ng app sa phone
gaya ng “budget tracker” o “money manager.” Kung gusto mo naman ng personalized,
gumawa ng sariling listahan sa iyong phone. Pwede ka din gumamit ng notebook.
Basta kung saan ka komportable, yun ang gawin mo. Mahalagang makita kung pasok
pa din sa budget ang mga ginagastos mo.
2.
Alamin kung ano ang needs vs wants
Bago
bilhin ang isang bagay, tanungin muna ang sarili, “Kailangan ko ba talaga ito?”
Minsan kasi ang mga “wants” ay nagiging “needs” pag hindi nasusuring mabuti.
Alamin
mo ang iyong priorities. Ano ba ang mga
bagay na mahalaga sa iyo? To do this, gumawa ng top 10 list ng mga bagay na
kailangan mo. Tignan at ayusin ito base sa pinaka-importante at hindi gaanong
importante.
Base
sa listahan, makikita mo kung ano talaga ang kailangan at dapat unahin.
3.
Mamuhay ayon sa iyong kinikita
Always
aim to live within your means. Sa panahon ngayon, mahalaga maging praktikal.
Kung hindi kaya ng budget, huwag nang ipilit.
Hindi
kailangang makipag sabayan sa magagarang bagay na nakikita sa social media.
Pwede ka naman maging cool at fashionable kahit na hindi branded ang mga gamit
mo. Ang importante ay confident ka.
4.
Simulan mag-ipon ngayon and make it a habit
Kahit
na magkano pa ang kita o sweldo mo, pwede kang makaipon ng malaki kung
sisimulan mo ngayon. Iwasan gastusin lahat ng bonus o kita, at maging one-day
millionaire.
Subukan
mo muna sa malit na halaga. Halimbawa, yung 100 pesos araw-araw, pag inipon mo
mula ngayon hanggang December, pwedeng umabot ng 30,000. Para hindi mo magalaw
ang inipon mo, mas mainam at secured pa kung mag-o-open ng savings account sa
bangko.
Isa
si Coco Martin, brand ambassador ng BDO Network Bank, na naniniwala sa
importansya ng saving. Bata pa lang sya, tinuruan na siya ng kanyang lola na
mag-ipon. Kaya naman hanggang ngayon handa sila sa mga hindi inaasahang
panahon, tulad nitong sitwasyon ng pandemya.
Ayon
kay Ramon T. Militar ng BDO Network Bank Community Banking Network Group,
makakatulong kung ikaw ay may dalawang bank accounts. Isa para sa iyong sweldo,
isa para sa iyong ipon.
5.
Mag-loan lang ng halagang kailangan
Huwag
madala sa mga nag-o-offer ng malaking loan. Bago mag loan, sagutin mo muna ang
mga tanong na ito:
a. Ito ba talaga ang kailangan kong
halaga?
b. Kaya ko ba ito bayaran on time?
c. Ang pagkuha ko ba ng loan ay para
sa negosyo na kumikita, or di kaya ay sa bagay
na tumataas ang value, gaya ng lupa?
Kailangang
pinagpaplanuhan din ang pag-loan para maingatan ang inyong credit status. Kung
binabayaran mo ang loan mo on time, mas madaling makapag-loan ulit in the
future. Ayon kay Alberto O. Quiogue ng BDO Network Bank Salary Loans Group, ang
loan ay para matulungan ka at hindi para mahirapan ka. Iwasan ang loans para sa
luho para hindi mabaon sa utang.
Maaaring
bisitahin ang BDONB Facebook page (https://www.facebook.com/BDONetworkBankPH) o
ang BDONB website (https://www.bdonetworkbank.com.ph/)
para malaman kung anong produkto at serbisyo ang tama para sa pangangailangan
mo.
About BDO
Unibank, Inc.
BDO is a full-service universal bank that provides a wide range of corporate and retail banking services. These services include traditional loan and deposit products, as well as treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, retail cash cards, and credit card services.
BDO has the country’s largest distribution network, with over 1,400 consolidated operating branches and more than 4,400 ATMs nationwide. It also has 18 overseas remittance and representative offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America, and the Middle East.
BDO ranked
as the largest bank in terms of total assets, loans, deposits, and trust funds
under management based on published statements of condition as of December 31,
2020. For more information, please visit www.bdo.com.ph.
March 11, 2021
The Asset names BDO 2020’s Best Bank in the Philippines
March 6, 2021
7-Eleven Makes Bank Transactions Convenient With 320 Cash-Recycing ATMs
March 5, 2021
Withdraw Anytime, Anywhere. BDO and BDO Network Bank ATMs are strategically located to ensure convenient cash withdrawals to accountholders.
BDO ATMs offer convenient cash withdrawals to accountholders
BDO Unibank, Inc. and BDO Network Bank offer clients the most expansive ATM network in the country to continuously perform cash withdrawals anytime, anywhere. Currently, there are over 4,400 BDO and BDO Network Bank ATMs strategically located all over the Philippines.
These ATMs operate 24/7 at accessible locations where people go to or pass by regularly, such as corporate offices and commercial places like malls, and, even in locations near their residence.
Besides withdrawing cash, account holders can enjoy the following benefits:
- Check your account and Cash Card balances
- · Withdraw up to Php 50,000.00 cash per day
- · Transfer money (Fund Transfer) to enrolled or unenrolled BDO accounts or select BancNet member bank accounts
- · Pay your bills through our wide selection of Billers and Merchants
- · Load SMART, Globe, and Touch Mobile (TM) prepaid mobile phone and broadband services
- · Avail of cash advance from your Amex, JCB, Mastercard, Visa, Diners, KFTC, and UnionPay credit card
At select ATMs, account holders can also make card-less cash withdrawals using biometrics (fingerprint and/or facial recognition) or a QR Code generated via the BDO Digital Banking App.
Account opening made easy
BDO understands the value of cash accessibility. While a lot of people have resorted to online banking amid the pandemic, many still prefer to withdraw their cash.
For those who wish to take advantage of the bank’s wide ATM network, just follow these easy steps:
1. 1. Fill
out online form here: https://www.bdo.com.ph/personal/accounts/how-to-open-an-account
2. 2. Select
your preferred BDO branch and the date and time of your visit.
3. 3. Bring
the minimum cash deposit and two valid IDs during your branch appointment to
complete your application. Cash deposit amount varies depending on the type of
account.
March 4, 2021
BDO Foundation rehabs 6 health centers
February 27, 2021
BDO posts P28.2 billion net income in 2020
BDO Unibank, Inc. (BDO) posted a net income of P28.2 billion in 2020 from P44.2 billion in 2019, due mainly to pre-emptive provisions of P30.2 billion set aside against potential delinquencies from the pandemic. The Bank relied on its strong and resilient business franchise and balance sheet to support core business operations, despite significant hurdles from the pandemic and ensuing economic lockdown.
Net interest income (NII) grew by 12 percent to P133.7 billion. Loans managed to grow 3 per cent to P2.3 trillion driven by consumer and corporate accounts. The Bank continued to assist its borrowing clients, ensuring their uninterrupted access to credit facilities, in addition to granting loan moratoria under Bayanihan I and II.
CASA deposits continued to climb, growing 17 percent to P2.1 trillion, as clients were able to access BDO products and services through its branches, ATMs and digital channels even during quarantine restrictions.
Non-interest income declined 8 percent and settled at P55.2 billion, supported by fee-based income, trading gains and insurance premiums. Business volumes were initially impacted by mobility restrictions, but have since begun to recover gradually. Wealth management, on the other hand, remained resilient with trust volumes and fees sustaining growth. Trading gains increased as the Bank capitalized on favorable market conditions while insurance premiums grew modestly despite the initial impact of the lockdowns.
Operating expenses decreased 2 percent to P112.6 billion due to a reduction in marketing and volume-related expenses.
The Bank’s provisions of P30.2 billion were in line with prudent credit and provisioning policies, meant to further strengthen its balance sheet. The NPL ratio stood at 2.65 percent with NPL coverage at 109.5 percent. As of yearend, the Bank’s total Loan Loss Reserves were equivalent to 3 percent of Gross Customer Loans, and are considered more than sufficient to cover for potential losses.
The Bank’s capital base expanded to P393 billion with its Capital Adequacy Ratio (CAR) and Common Equity Tier 1 (CET1) at 14.4 percent and 13.2 percent, respectively, comfortably above minimum regulatory levels. The Bank’s capital increased by 6% despite the pre-emptive provisions and the business impact of COVID-19. Book value per share likewise increased 6% to P88.11 from P83.03 in 2019.
BDO remains cautiously optimistic on a gradual upturn in 2021. With its extensive market reach and devoted workforce, the Bank remains committed to providing banking products and services attuned to its customers needs. These include digital upgrades that allow easier and safer access to services, such as QR code-based ATM and merchant transactions. These are part of the benefits expected from its ongoing Next Generation IT upgrade.
About BDO
BDO is a full-service universal bank that provides a wide range of corporate and retail banking services. These services include traditional loan and deposit products, as well as treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, retail cash cards and credit card services.
BDO has the country’s largest distribution network, with over 1,400 consolidated operating branches and more than 4,400 ATMs nationwide. It also has 18 overseas remittance and representative offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America and the Middle East.
BDO ranked as the largest bank in terms of total assets, loans, deposits and trust funds under management based on published statements of condition as of December 31, 2020. For more information, please visit www.bdo.com.ph.
February 18, 2021
No need for a Card! BDO Unibank offers QR Code Withdrawals From Select ATMs
Good news! No need for a Card, as customers and clients can now make card-less, QR Code-based withdrawals from select BDO ATMs.
“Withdrawing using QR Codes is now available in the Philippines, Now, our clients will enjoy faster and more convenient transactions, and most importantly, limit the risk of catching COVID-19 since they will touch the ATM surface a lot less.”
"The new service will benefit those who are encouraged to stay home for their health and safety. Despite our security controls, however, we remind our clients to entrust their Withdrawal QR Codes with others prudently,” Mendoza noted.
How to do QR Code withdrawals
To generate a QR Code, login your BDO Digital Banking App. Click on “More” from the options. Select “Withdraw” then “Via QR.” Pick the account, input the amount, and save the QR Code.
Each QR Code is unique to each withdrawal transaction. It is valid for only 24 hours upon a generation to protect your account. BDO clarifies though that a Withdrawal QR Code is different from the Account QR Code used to Send Money.
To withdraw, tap “QR Code Transaction” on the ATM screen and allow the machine to scan your QR Code. Pick if you would like a receipt or not, then wait for the machine to dispense your cash.
Currently,
there are over 100 QR-enabled ATMs in Makati City. This year, the bank is
looking at installing more of these upgraded machines nationwide. Learn more
about the feature, and find a branch near you at: https://www.bdo.com.ph/withdraw-via-qr-code