DioscoroRoy Ramos - BDO Unibank Director

BDOUY Stock  USD 27.20  0.50  1.87%   

Director

Mr. DioscoroRoy I. Ramos was Independent Director of BDO Unibank, Inc. since January 9, 2016. Mr. Ramos is the Chief Investment Officer 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 since 2016.
Tenure 8 years
Phone63 2 840 7000
Webhttps://www.bdo.com.ph
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 Master’s Degree in Business from Wharton School, University of Pennsylvania.

BDO Unibank Management Efficiency

The company has return on total asset (ROA) of 0.0136 % which means that it generated a profit of $0.0136 on every $100 spent on assets. This is way below average. Similarly, it shows a return on equity (ROE) of 0.1166 %, meaning that it generated $0.1166 on every $100 dollars invested by stockholders. BDO Unibank's management efficiency ratios could be used to measure how well BDO Unibank manages its routine affairs as well as how well it operates its assets and liabilities.
The company has accumulated 213.26 B in total debt. Debt can assist BDO Unibank until it has trouble settling it off, either with new capital or with free cash flow. So, BDO Unibank's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like BDO Unibank ADR sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for BDO to invest in growth at high rates of return. When we think about BDO Unibank's use of debt, we should always consider it together with cash and equity.

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BDO Unibank, Inc., together with its subsidiaries, provides various banking products and services primarily in the Philippines. BDO Unibank, Inc. was incorporated in 1967 and is headquartered in Makati City, the Philippines. BDO UNIBANK is traded on OTC Exchange in the United States. BDO Unibank ADR [BDOUY] is a Pink Sheet which is traded between brokers over the counter.

Management Performance

BDO Unibank ADR Leadership Team

Elected by the shareholders, the BDO Unibank's board of directors comprises two types of representatives: BDO Unibank inside directors who are chosen from within the company, and outside directors, selected externally and held independent of BDO. The board's role is to monitor BDO Unibank's management team and ensure that shareholders' interests are well served. BDO Unibank's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, BDO Unibank's outside directors are responsible for providing unbiased perspectives on the board's policies.
Ismael Estela, Senior Vice President Corporate Governance Officer - Corporate Compliance, Legal Services and Internal Audit Group
Teresita Sy, Chairperson of the Board
Belinda Fernandez, Senior Vice President Head - Treasury Group - Product Development
Ophelia Camina, Senior Vice President Head - Consumer Lending Group - Unsecured/Business Development/Credit Card Business
DioscoroRoy Ramos, Director
Jonathan Go, Senior Vice President Head - Asset Management Group - Chattel Sales
Rolando Tanchanco, Executive Vice President Head - Consumer Lending Group
Ferdinand Bacungan, Senior Vice President
Maria Orsolino, Senior Vice President Head - Institutional Banking Group - Commercial Banking (Luzon)
Mario Palou, Executive Vice President Senior Credit Officer
Lorna Tan, Senior Vice President Chief Executive - BDO Hong Kong Branch
Cerwina Santos, Senior Vice President
Joseph Gotuaco, Senior Executive Vice President and Head of Central Operations Group
Noel Sugay, Senior Vice President Treasury Group - Foreign Exchange Portfolio Management
Edwin Tajanlangit, Senior Vice President Head - Risk Management Group - Market and Liquidity Risk Management
Frederico Ocampo, Senior Vice President Head - Trust and Investments Group - Asset Management
Cecilia Tan, Executive Vice President Head - Institutional Banking Group - Corporate Banking 2
Edwin Reyes, Executive Vice President Group Head for the Transaction Banking Group
Antonio Cotoco, Director - BDO Leasing & Finance, Inc. and Senior Executive Vice President
Marilou Cesario, Senior Vice President Head - Institutional Banking Group - Corporate Banking 2 - Team 6
Frederic Gomez, Senior Vice President Head – Information Technology Group
Maria Tan, Senior Vice President General Manager - BDO Insurance Brokers, Inc.
Lucy Dy, Executive Vice President Comptroller and Head of Comptrollership Group
Robert Sy, Senior Vice President Head - Branch Banking Group - Region 2 (Metro Manila North)
Federico Tancongco, Senior Vice President BDO Private Bank Inc - Support Services/Legal and Compliance
Dennis Velasquez, Executive Vice President Head - Central Operations Group
Evelyn Villanueva, Executive Vice President Chief Risk Officer and Head - Risk Management Group
Susan Rivera, Senior Vice President Head - Consumer Lending Group - Secured/Business Support/Credit
Antonio Pena, Senior Vice President Head - Consumer Lending Group - Secured/Business Development/Auto Loans Business
Sabino Acut, Assistant Corporate Secretary
Joseph Tiamson, Senior Vice President for the Office of the President
Josefina Tan, NonEx Director
Eduardo Francisco, Executive Vice President and Presidentident/Director - BDO Capital and Investment Corporation
Gina Galita, Senior Vice President for Central Operations Group
Antonio Pacis, Director
Dante Tinga, Senior Vice President
Marilyn Go, Senior Vice President Assistant Treasurer - Treasury Group
Roger Raya, Senior Vice President Head - Consumer Lending Group - Unsecured/Business Development/Card Acquiring
Rogel Raya, Senior Vice President Head - Consumer Lending Group - Unsecured/Business Development/Card Acquiring
Jose Pascual, Senior Vice President Risk Management Group - Credit Committee Secretariat
Anthony Chua, Executive Vice President Head - Global Operations
Myla Untalan, Senior Vice President - Digital Infrastructure Services
Attorney Serrano, Co Officer
Angelita Manulat, Senior Vice President Head - Consumer Lending Group - Secured/Business Development/Home Loans Business
Renato Dios, President/CEO & Director of BDO Life Assurance Company, Inc.
Sui Sy, Senior Vice President Head - Branch Banking Group - Region 2 (Metro Manila North)
Enrico Hernandez, Senior Vice President Head - Information Technology Group - Information Technology Development
Vicente Perez,
Richard Grau, Senior Vice President - Seconded to BDO Private Bank
Noel Andrada, Senior Vice President Head - Trust and Investments Group - Business Development
Roberto Santos, Senior Vice President of Transaction Banking Group
Annie Ngo, Senior Vice President Head - Branch Banking Group - Group 3 (Metro Manila West)
Jonathan Diokno, Senior Vice President Head - Remittance Origination
Maria Mallillin, Senior Vice President Head - Branch Banking Group - Administration
Pedro Florescio, Executive Vice President Treasurer, Head - Treasury Group
Gregorio Severino, Senior Vice President Central Operations Group - Retail Business Process Cluster
Donald Limcaco, Senior Vice President - Transaction Banking Group
Arthur Chung, Senior Vice President Head - Financial Institutions Group and Loans and Trade (Hong Kong Branch)
Jose Magpale, Senior Vice President
Manuel Locsin, Senior Vice President Head - Institutional Banking Group - Corporate Banking 1 - Team 1
Melanie Belen, Senior Vice President Head - Risk Management Group -Remedial Management
Montiel Santos, Senior Vice President Head - Treasury Group - Foreign Currency Sales
Reynaldo Tanjangco, Senior Vice President Head - Institutional Banking Group - Corporate Banking Group 1 - Team 3
Jose Mendoza, Senior Vice President BDO Private Bank, Inc. - Wealth Advisory & Trust
Jaime Nasol, Senior Vice President Head - Transaction Banking Group - Cash Management Services
Cecilia Santos, First Vice President Alternate Corporate Information Officer
Maria Regala, Senior Vice President Head - Consumer Lending Group - Secured/Business Support/Marketing
Ramon Militar, Senior Vice President Head - Branch Banking Group - Region 7 (Visayas and Mindanao)
Gabriel Lim, Senior Vice President BDO Capital & Investment Corporation - Corporate Finance
Stella Cabalatungan, Executive Vice President Head - BDO Private Bank, Inc. - Relationship Management
Eleanor Hilado, Senior Vice President Head - BDO Capital and Investment Corporation - Corporate Finance
Alvin Go, Senior Vice President Head - Corporate Compliance, Legal Services and Internal Audit Group - Legal Services, Assistant Corporate Secretary, Alternate Corporate Information Officer
Jesus Jacinto, Vice Chairman of the Board
Shirley Sangalang, Senior Vice President Office of the Board Audit Committee Adviser
Martin Ordonez, Senior Vice President BDO Private Bank, Inc. - Support Services/Operations
Ramon David, Senior Vice President Head - Branch Banking Group - Region 4 (Metro Manila East)
Tomas Mendoza, Senior Vice President - Transaction Banking
Sonia Go, Senior Vice President - BDO Private Bank, Inc. - Relationship Management (Makati)
Howard Son, Senior Vice President - Hong Kong Branch
Romeo Co, Senior Vice President - Institutional Banking Group
Gilberto Teodoro,
Nestor Tan, President CEO, Director
Evelyn Salagubang, Senior Vice President Head - Human Resources Group
Manuel Malabanan, Senior Vice President for Trust and Investments Group - Account Management
Edmundo Soriano, Executive Vice President Head - Institutional Banking Group - Corporate Banking
Walter Wassmer, Director - BDO Leasing and Finance, Inc., Senior Executive Vice President Head - Institutional Banking Group
Cristina Ngo, Senior Vice President
Noel Dizon, Senior Vice President Head - Branch Banking Group - Region 5 (Metro Manila South)
Aurea Montejo, Senior Vice President Head - Central Operations Group - Procurement and Premises Management
Lazaro Guevarra, Senior Vice President Head - BDO Capital and Investment Corporation - Advisory and Mergers and Acquisitions Practice
Teresita SyCoson, Chairperson of the Board
Albert Yeo, Executive Vice President
Jaime Yu, Senior Executive Vice President Head - Branch Banking Group
Ricardo Martin, Executive Vice President Head - Information Technology Group
Rafael Ayuste, Senior Vice President BDO Private Bank, Inc. - Wealth Advisory and Trust Group
Mercedes Tioseco, Senior Vice President Central Operations Group - Customer Contact Center
Maria Fonacier, Senior Vice President -Marketing Communications Group
Maria Antonio, Senior Vice President Head - Trust & Investments Group - Account Management
Guia Lim, Executive Vice President for Executive Committee/Management Credit Committee
Rebecca Torres, Senior Vice President Chief Compliance Officer and Head - Corporate Compliance, Legal Services and Internal Audit Group - Anti-Money Laundering/Compliance Unit
Edmundo Tan, Corporate Secretary
Luis Reyes, Senior Vice President Head - Investor Relations and Corporate Planning, Director - BDO Leasing & Finance Inc
Gwyneth Entao, Senior Vice President - Consumer Lending
George Barcelon,
Roberto Lapid, Vice Chairman – BDO Leasing and Finance,Inc.
Geronimo Diaz, Senior Vice President Head - Branch Banking Group - Region 6 (Southern Luzon)
Victor Lim, Senior Vice President - Global Operations
Jimmy Tang, Independent Director
Joseph Lledo, Senior Vice President
Dioscoro Ramos,
Edward Wenceslao, Senior Vice President Head - Institutional Banking Group - International Desks
Jonathan Cua, Senior Vice President Head - BDO Private Bank, Inc. - Relationship Management (Visayas and Mindanao)
Edna Tarroza, Senior Vice President
Estrellita Ong, Senior Vice President Chief Internal Auditor and Head - Corporate Compliance, Legal Services and Internal Audit Group - Internal Audit
Geneva Gloria, Senior Vice President Head - Remittance Distribution
Dalmacio Martin, Senior Vice President Head - Treasury Group - Fixed Income and Derivatives Portfolio Management
Jones Castro, Independent Director
Christopher BellKnight, Director
Lourdes Vera, Senior Vice President Head - Trust and Investments Group - Product and Market Development
Theresa Simbul, Senior Vice President Head - Branch Banking Group - Region 1 (Northern Luzon)
Antonio Jacinto, Senior Vice President Head - Institutional Banking Group - Corporate Banking 2 - Team 7
Jeanette Javellana, Senior Vice President Head - Institutional Banking Group - Commercial Banking (Luzon and Metro Manila North)
Agnes Tuason, Senior Vice President
Marilyn Edmundo, Deputy Treasurer
Arthur Tan, Senior Vice President Head - Information Technology Group - IT Operations
Attorney Tancongco, Chief VP
Ador Abrogena, Executive Vice President Head - Trust and Investments Group
Roy Magturo, Senior Vice President - Legal Services
Jesus Itchon, Executive Vice President
Juan Lizares, Senior Vice President
Jose Buenaventura, Independent Director
Rosola Vivas, Senior Vice President Head - Central Operations Group - Customer Development Unit
Gamalielh Benavides, Senior Vice President Head - BDO Private Bank, Inc, - Wealth Advisory and Trust Group
Maria Yap, Senior Vice President Head - Institutional Banking Group - Commercial Banking (Luzon and Metro Manila South)
Julie Chua, Executive Vice President Head - Institutional Banking Group - Commercial Banking (Luzon)
Gerard Co, Executive Vice President Head - Institutional Banking Group Commercial Banking (Visayas and Mindanao)

BDO Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is BDO Unibank a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards BDO Unibank in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, BDO Unibank's short interest history, or implied volatility extrapolated from BDO Unibank options trading.

Pair Trading with BDO Unibank

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if BDO Unibank position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in BDO Unibank will appreciate offsetting losses from the drop in the long position's value.

Moving together with BDO Pink Sheet

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Moving against BDO Pink Sheet

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  0.6BNPQF BNP Paribas SAPairCorr
  0.57BNPQY BNP Paribas SAPairCorr
The ability to find closely correlated positions to BDO Unibank could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace BDO Unibank when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back BDO Unibank - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling BDO Unibank ADR to buy it.
The correlation of BDO Unibank is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as BDO Unibank moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if BDO Unibank ADR moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for BDO Unibank can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in BDO Unibank ADR. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in employment.
You can also try the Equity Valuation module to check real value of public entities based on technical and fundamental data.

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Please note, there is a significant difference between BDO Unibank's value and its price as these two are different measures arrived at by different means. Investors typically determine if BDO Unibank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, BDO Unibank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.