GANSECO, JOSHUA MIGUEL C.

KALAW, CALVIN BRIX

RAS, VINCE KRISTOFFER
SIAZON, JOMARIE E.
TOLENTINO, NOEL VINCENT
COMPANY
10/21/2020 HISTORIES
SUBMITTED TO: MS. GUTIERREZ

SAN PABLO COLLEGES COLLEGE DEPARTMENT 2020

[COMPANY NAME]
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AYALA CORPORATION

HISTORY OF THE COMPANY

Ayala Corporation (Spanish: Corporación Ayala, formerly Ayala y Compañía) is the

publicly listed holding company for the diversified interests of the Ayala Group. Founded
in the Philippines by Domingo Róxas and Antonio de Ayala during the Spanish colonial
rule, it is the country's oldest and largest conglomerate. The company has a portfolio of
diverse business interests, including investments in retail, education, real estate, banking,
telecommunications, water infrastructure, renewable energy, electronics, information
technology, automotive, healthcare, and management and business process outsourcing.
As of November 2015, it is the country's largest corporation in terms of assets ($48.7B).

PRODUCTS

The company has a portfolio of diverse business interests, including investments in retail,
education, real estate, banking, telecommunications, water infrastructure, renewable
energy, electronics, information technology, automotive, healthcare, and management
and business process outsourcing.

BRANCHES

(Alabang, Pasig, Cavite, Cebu, Iloilo, and Mandaue)

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UNIQUE QUALITIES OR FEATURE OF THE COMPANY

Since its foundation, Ayala has always been an important contributor to the Philippines'
development and growth. Jaime Augusto and Fernando Zobel de Ayala, respectively the
seventh-generation chairman and president of Ayala Corporation, have continued this
tradition and act as ambassadors for the Philippines, promoting the country as an up-and-
coming market to global investors and potential business partners. Like their father, Don
Jaime Zobel de Ayala, they believe that nation-building activities such as these will
ultimately help the long-term growth prospects of the family conglomerate.
In the words of Fernando Zobel de Ayala: "We consistently look for ways to give back to
our country; through Ayala's businesses, through the Ayala Foundation and through our
individual efforts." The family has combined its nation building with professional
management structures. Many of the Ayala Corporation's entities are publicly traded
without compromising family values and control.
By the end of 2013, Ayala's listed companies accounted for 20% of the Philippine Stock
Exchange Index capitalization, and employed 42,000 people. Gross revenues from all its
companies, including associate and jointly controlled entities, reached 308 billion
Philippine pesos (about $7.1 billion). In 2013, the market capitalization of the entire Ayala
group amounted to 1.4 trillion Philippine pesos (about $32 billion). The group holds
majority stakes in a range of businesses, principally in real estate development (Ayala
Land), banking and financial services (Bank of the Philippine Islands, or BPI),
telecommunications (Globe Telecom), water utilities, electronics manufacturing services,
automotive dealerships, business process outsourcing, infrastructure, and power
generation.

HOW GLOBALIZATION WORKS IN THAT COMPANY

Since 1834, we at Ayala have been the country’s long standing partner in its pursuit for
progress and nation building. We have been developing businesses that transform
industries, challenging the status quo, and bringing innovations here in the Philippines
and abroad that contribute to the nation’s social and economic agenda.
We constantly look for possibilities in the market to drive advancement. We see
challenges as opportunities and tackle problems differently. We explore new dynamic
business models and introduce pioneering products and services. We empower our
leaders and employees to take initiative and make an impact in everything we do.
Because no matter what business we enter, our goal isn’t just to succeed, but to reinvent
the way things work to change people’s lives for the better.

HOW DOES COMMUNICATION WORKS/HELP IN THE GLOBALIZATION OF THE

COMPANY

Small businesses no longer sell just to customers in their communities. Globalization

connects businesses and customers across the world. Companies open satellite offices
to decrease production costs, forge relationships in new territories and access new
consumer markets. The importance of communication in globalization is paramount
because individuals from different countries, ethnicities, languages, cultural attitudes and

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other variations must understand one another and express themselves to another
effectively in order to work together.

BANK OF THE PHILIPPINE ISLANDS

(BPI)

BPI was established on August 1, 1851 as the "El Banco Español Filipino de Isabel II"
(lit. 'The Spanish-Filipino Bank of Isabel II'), named after the queen of Spain, Isabella II,
the daughter of King Ferdinand VII. It was the first government bank in the Philippines
and the third Philippine bank during the Spanish era. One of the founders and primary
shareholders at that time was José Joaquín de Ynchausti of Ynchausti y Cía, a prominent
Philippine multi-national conglomerate who also founded Tanduay Distillery and built the
Puente Colgante. José was the managing director of the bank from 1868 to 1873 and
1876 to 1884.[15]
The royal decree establishing the Banco Español-Filipino also gave it the power to print
Philippine currency, the first time the Philippine peso was printed in the country; before
1851, a multitude of currencies were used, most notably the Mexican peso. They were
originally called Philippine peso fuerte (PF), or "strong pesos". First printed on May 1,
1852, they were redeemable at face value for gold or silver Mexican coins. The first
deposit with the bank was also done on that day by a man named Fulgencio Barrera.
Three days later, a Chinese man named Tadian became the first borrowing client of the
bank after the bank discounted to him a promissory note amounting to ten thousand pesos
fuertes.
On September 3, 1869, following a revolution which overthrew Isabella II, the name was
changed to Banco Español-Filipino. In January 1892, the bank moved from the Royal
Custom House in Intramuros to the new business district of Binondo after it found out that
Intramuros was becoming "economically inactive". It moved to 4 Plaza Cervantes corner
Juan Luna Street which was at that time a prime property owned by the Dominican friars.
The first branch of Banco Español-Filipino outside Manila was opened in Iloilo City on
March 15, 1897. However, the idea to set up branches outside Manila was formulated as
far back as the 1850s, with the first branch planned to be opened in Bacolor, the capital
of Pampanga at the time. However, by then, Iloilo and other provinces in Panay had
become more productive than Pampanga in the sugar industry, hence the move to open
the first branch in Iloilo.
Following the cession of the Philippines to the United States with the signing of the 1898
Treaty of Paris, the bank changed from a Spanish institution to a Philippine one. On
January 1, 1912, a decision by the shareholders of Banco Español-Filipino changed the
name to the present Bank of the Philippine Islands (BPI) or Banco de las Islas Filipinas in
Spanish. The basis for the name change was Republic Act No. 1790, passed on October
12, 1907, which permitted the bank to change its name. The bank was also privatized
during the American colonial period.
Following World War II, BPI was actively involved in the post-war reconstruction of the
Philippines. In 1949, with the establishment of the Central Bank of the Philippines (now
the Bangko Sentral ng Pilipinas), BPI lost the right to issue Philippine pesos, a right it had
since the Spanish colonial era and during the American colonial period.

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PRODUCTS

BPI's services include consumer banking and lending, asset management,

payments, insurance, securities brokerage and distribution, foreign exchange, leasing,
and corporate and investment banking.

BRANCHES

The bank has a network of over 800 branches in the Philippines, Hong Kong, and Europe,
and close to 3,000 ATMs and CAMs (cash accept machines).

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UNIQUE QUALITIES OR FEATURE OF THE COMPANY

1. Funds Transfer
Sending money to another BPI account is done in real-time and can be scheduled in
advance. This is extremely convenient for online shoppers who want to pay for their
purchases with their BPI deposit account and small business owners who regularly pay
their suppliers.Money can be transferred only to a BPI account, unlike in BDO Online
Banking where you can transfer funds even to non-BDO accounts.The maximum online
transfer of BPI has no limit for your account and enrolled accounts. To transfer funds
using the BPI online banking system, you’ll have to enroll each third-party account in
person and on-site. Fill out the application form online and submit the printed and signed
form to any BPI or BPI Family Savings branch. Alternatively, you can mail the form to the
BPI’s main office in Makati.This is where using the Funds Transfer service gets
inconvenient. But it’s meant to protect an account against unauthorized fund transfers. It
would be great if BPI could provide a balance between convenience and security in such
online transactions.

2.BillsPayment

Another useful BPI online banking service, the Bills Payment facility allows you to pay
your utility, insurance, and credit card bills without leaving your home or office. You can
also schedule bills payment, so you won’t miss any due date.
3. Prepaid Cellphone Reload
Running out of mobile phone credits isn’t a problem when you have a BPI online banking
account. You can quickly reload an amount ranging from PHP 50 to PHP 1,000 to your
cellphone without having to go to an e-load station or your suking tindahan.Note that the
online cellphone reload service is available only to Globe and TM mobile numbers.

4. Setting Bank Appointments via BPI Express Assist (BEA) Online

Long queues and waiting times are probably the common pain points among BPI clients.
Most transactions in a BPI branch are quick, but because of the long lines, it can take you
30 minutes to an hour to wait for your turn to the bank teller.You can minimize your waiting
time at the branch using the bank appointment service within BPI Express Online called
BEA Online. It allows you to reserve a time slot in the nearest branch, submit your
transactions, and get your queue number in advance. You’ll just have to come to the
branch at your appointed schedule and complete your transactions.Convenient as it may
be, this online service is rather limited. It’s available only in select branches and for certain
transactions: deposit, withdrawal, check encashment, and bills payment.

HOW GLOBALIZATION WORKS IN THAT COMPANY

This desire has kept the Bank of the Philippine Islands (BPI) busy improving its products
and services to make wealth creation more accessible to Filipino households.
Established in 1851, BPI has been inextricably linked to our country’s economic growth.
With its commitment to Clients, People, Shareholders, and Country, the bank has taken
advantage of the country’s economic growth to offer what Filipinos need.

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It is BPI’s vision to become the country’s most inclusive bank. It aims to provide the most
innovative solutions that satisfy clients’ financial needs while creating shared value and
prosperity for all stakeholders. The present administration has made the micro, small and
medium enterprises (MSMEs) a priority, recognizing this sector as a significant force in
generating jobs and driving the country’s economy. As a result, government financial
institutions were directed to develop financing options for MSMEs to reduce their
dependence on informal lenders.
On the other hand, private financial institutions were asked to provide options to help
MSMEs. BPI has heeded the call of the government, focusing on helping self-employed
microentrepreneurs (SEMEs), most of whom have no bank accounts, through BPI Direct
BanKo, its microfinance arm. BanKo now has over 10,000 clients and more than Php 559
million in loans to clients as of end 2017. It uses a more traditional in-person business
approach through financial advisors called BanKoMares and BanKoPares, who go out to
wet markets and small business owners who need financing.
BanKo ended 2017 with 103 branches and micro-banking offices. It aims to reach 200
branches nationwide by the end of the year. Earlier this year, BPI also launched its
Business Banking group to sharpen its focus on the unique financial needs of clients,
particularly the SMEs. The Business Banking Group will cater to over 100,000 BPI clients
that maintain deposits, but, for the most part, do not avail of other financial services,
including business loans. SME loans currently account for less than 10% of the Bank’s
total loan book. The Bank intends to further invest in its microfinance and SME business
to tap opportunities in the growing market for the unbanked and underserved
microfinance segment, as well as the thriving SMEs who still fail to take full advantage of
loans available to them. All this, ultimately, will help support inclusive growth for a more
resilient society. Auto and housing loans for all The recently enacted Tax Reform for
Acceleration and Inclusion (TRAIN) Law effectively reduced personal income tax rates
and has resulted in higher disposable incomes for Filipino taxpayers. In turn, the Bank
expects stronger growth in the consumer lending market through BPI Family Savings
Bank. Recognizing that the Philippine economy is consumption-driven, BPI overhauled
its consumer loan processes in 2017 to improve turnaround times for auto and housing
loans. The impact of its improvements for the auto and housing loans is expected to be
realized this year. In 2017, BPI has registered P12.2 billion in total loans for affordable
housing. The auto loans business catered to 102,000 clients in the same period. Its card
business (credit, debit, and prepaid) has also benefited from smart analytics that
enhances origination, credit scoring, and fraud detection to improve security. It has over
9 million cardholders and P206 billion in transactions across all card types. At the present,
the oldest bank in Southeast Asia is ready to capture a larger share in the retail business
covering auto loans, housing loans, and consumer loans through its credit, debit and
prepaid cards.

HOW DOES COMMUNICATION WORKS/HELP IN THE GLOBALIZATION OF THE

COMPANY

Communication is essential on every project and Business Process Improvement

(BPI) projects are no exception. I might argue, as a matter of fact, that BPI projects require
significantly more communication than many other projects. Communicating on the BPI
project enables for socializing, or getting buy-in, to the project. It enables the project
manager and the BPI project team to learn who supports the project (champions) and
who is against the project (resisters.)

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Let's define “socializing” as we'll use the term in this Article. Socializing is the art and
process of getting stakeholders comfortable with a particular BPI project in order to gain
their support and commitment for achieving success on the project.
Given that BPI projects require the involvement of the stakeholders – in documenting
processes, discussing could be processes, testing to be processes, etc. – it
is essential that they be engaged in the BPI project in the early stages. And that
engagement – socialization of the BPI project – must continue throughout the project
implementation. As a best practice, prepare for communications prior to the start of the
BPI project. Long before the BPI project team begins to set up meetings to document
current processes and gather information from stakeholders, they should be
communicating the value and benefit of the BPI project.

Early communications on the BPI project should focus in these key areas:
 An overview of the BPI project and its importance to the organization as a whole
 The benefits of the BPI project to the stakeholders from an individual perspective
 A high level overview of key milestones in the project such as documenting of current
processes, development of could be processes, development of to be processes, pilot
group testing of the to be process, training options and implementation/roll out plans.

Banco De Oro Unibank

The Bank changed its corporate name to “BDO Unibank, Inc.” from “Banco De
Oro Unibank, Inc.” effective 4 November 2011. However, the Bank does business under
any of the following names and styles: BDO, BDO Unibank, Banco De Oro, Banco de
Oro Unibank, BDO Banco De Oro. BDO is a full-service universal bank in the Philippines.
It provides a complete array of industry-leading products and services including Lending
(corporate and consumer), Deposit-taking, Foreign Exchange, Brokering, Trust and
Investments, Credit Cards, Corporate Cash Management and Remittances in the
Philippines. Through its local subsidiaries, the Bank offers Investment Banking, Private
Banking, Leasing and Finance, Rural Banking, Life Insurance, Insurance Brokerage and
Stock Brokerage services.
BDO’s institutional strengths and value-added products and services hold the key
to its successful business relationships with customers. On the front line, its branches
remain at the forefront of setting high standards as a sale and service-oriented, customer
focused force. BDO has the largest distribution network with over 1,400 operating
branches and offices and more than 4,400 ATMs nationwide.
Through selective acquisitions and organic growth, BDO has positioned itself for
increased balance sheet strength and continuing expansion into new markets. As of 31
March 2020, BDO is the country’s largest bank in terms of consolidated resources,
customer loans, deposits, assets under management and capital, as well as branch and
ATM network nationwide.
BDO is a member of the SM Group, one of the country’s largest and most
successful conglomerates with businesses spanning retail, mall operations, property
development (residential, commercial, resorts/hotel), and financial services. Although
part of a conglomerate, BDO’s day-to-day operations are handled by a team of
professional managers and bank officers. Further, the Bank has one of the industry’s
strongest Board of Directors composed of professionals with extensive experience in
various fields that include banking and finance, accounting, law, and business.

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PRODUCTS

BDO is a full-service universal bank that provides a complete array of industry leading
products and services to the retail and corporate markets including Lending (corporate,
middle market, SME, and consumer), Deposit-taking, Foreign Exchange, Brokering, Trust
and Investments, Credit Cards, Corporate Cash Management and Remittances. Through
its subsidiaries, the Bank offers Leasing and Financing, Investment Banking, Private
Banking, Bancassurance, Insurance Brokerage and Stock Brokerage services.

BRANCHES

BDO Unibank (BDO)’s network of branches is now stronger at 1,000 following the opening
of its latest full-service outlet in Davao City last March. The country’s largest lender
opened to clients its branch in Buhangin, one of the most populated areas in Davao City,
on March 20.

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UNIQUE QUALITIES OR FEATURES OF THE COMPANY

The Bank also upholds the 10 Principles of the United Nations Global Compact as follows:

 Corporate governance
 Climate-friendly solutions and opportunities for business
 Access to clean, renewable, and reliable energy sources and services
 The adoption of instruments that help quantify, manage, and report on the carbon
footprint of its businesses
 The responsibility to protect the dignity of every person and uphold human rights
 The recognition of the role of women in achieving economic growth and poverty
reduction
 The elimination of all forms of forced and compulsory labor, and child labor

BDO released in June 2020 the second issue of its Sustainability Report
that outlines the Bank’s economic, environmental, social and governance
performance in 2019, and substantiates the Bank’s commitment to the United
Nations Sustainable Development Goals (UN SDGs), the principles of the United
Nations Global Compact (UNGC) and the Greenhouse Gas (GHG) Protocol. The
Report was prepared in accordance with the Global Reporting Initiative (GRI)
Standards.

BDO’s commitment to sustainability is fostered at the Board level. The Bank

anchors its sustainable development strategy to the United Nations Sustainable
Development Goals (SDGs). The sustainability strategies cover products,
sustainability contribution, human capital, disaster response, and governance, in
accordance with the Bank’s sustainability philosophy: “We seek to achieve
resilience by incorporating sustainability in the way we do business. We aim to
embed sustainability principles when making decisions, assessing relationships
and creating products.”

BDO Online Banking now has a new login page and landing page. Aside from
these, below are the new features:

QUICK ENROLLMENT
Activation of Online Banking account via ATM for those with ATM Debit Card
No need to submit Electronic Banking Form to the branch.

UPDATED LOOK AND FEEL

Icon-based interface that allows you to perform the transaction you need with just
one click of an icon.

QUICK LINKS
Option to choose the icons you commonly used for better navigation.

BILL RACK
Option to pay bills all at once instead of one bill at a time.

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Withdraw cash or pay bills with easy access to

thousands of ATMs here and abroad.

Shop, dine, gas up or do your groceries with

ease. With just a dip or tap, you're fully paid.

For purchases below P2,000, no need to swipe

your Card and key in your PIN or sign. Just
look for the contactless symbol and tap!

Book a flight, a hotel room or even shop online

with just a few clicks. Fast and simple.

Your BDO Debit Card is accepted worldwide.

Get one (1) point* for every P1,000 or US$25

in-store or online spend.
For more information, click here.
*Should have a BDO Rewards Card

HOW GLOBALIZATION WORKS IN THAT COMPANY

BDO’s global organization extends across 167 countries and territories, with 88,120
people working out of 1,617 offices – and they’re all working towards one goal: to provide
our clients with exceptional service. Our firms across the organization cooperate closely
and comply with consistent operating principles and quality standards. That means local
resources who understand your business, your local and international markets and the
specifics of your industry: all backed by a truly global organization. The fee income of all

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BDO firms, including the members of their exclusive alliances, was US$9.6 billion as of
30 September 2019.
BDO supports the principles of the United Nations Global Compact. The Bank upholds :
▪ Corporate governance ▪ Climate-friendly solutions and opportunities for business ▪
Access to clean, renewable, and reliable energy sources and services ▪ The adoption of
instruments that help quantify, manage, and report on the carbon footprint of its
businesses ▪ The responsibility to protect the dignity of every person and uphold human
rights ▪ The recognition of the role of women in achieving economic growth and poverty
reduction ▪ The elimination of all forms of forced and compulsory labor, and child labor.

HOW DOES COMMUNICATION WORKS/ HELP IN THE GLOBALIZATION OF THE

COMPANY?

BDO has, over the years, strengthened its position as the country’s leading full-service
bank with capabilities to serve every Filipino’s banking needs. The Bank continues to
expand its business franchise through sustained branch expansion focused on provincial
areas, as well as increased market coverage to include the unbanked and underserved
segments of the population in support of financial inclusion. These initiatives have allowed
BDO to increase the economic value it generates, boosting economic activity in the
country. The world’s financial markets are more connected than ever. Information
concerning market and economic conditions is readily available thanks to improvements
in communications technology, while modern computer systems have made it possible
for financial institutions to process an incredibly large number of transactions. This has
accelerated the pace of business both in the Philippines and around the globe. Over the
past 10 years, the trust industry in the Philippines has undergone a similar transformation.
Having previously offered traditional products to customers via branches, trust entities
are now able to supply a more diverse suite of products and services across a number of
channels. These products are designed to provide investment solutions to the varied
needs of clients, and are all delivered via the internet and smartphones.

These developments have made financial literacy more vital than ever. As well as
developing new products and finding ways for technology to assist customers, BDO
Unibank is playing a role in advancing the entire Philippine financial industry. Our strong
support of key initiatives from the Philippine central bank, Bangko Sentral ng Pilipinas
(BSP), is making a real difference in the lives of many people. From its prominent position,
BDO is introducing products that encourage financial inclusion, support investor
education and address all the challenges the industry is currently facing.

Amid this changing landscape, BDO intends to remain at the forefront of the Philippine
trust industry. This means not only maintaining the high standards our clients have come
to expect from us, but also fostering systematic change. We are in a prime position to do
so: as of December 31, 2017, BDO’s consolidated trust assets under management stood
at PHP 1.05trn ($19.7bn), representing a 33 percent market share of the local trust
industry. Out of this amount, PHP 752bn ($14.1bn) is managed by the Trust and
Investments Group of BDO Unibank, while the remaining PHP 294bn ($5.5bn) is
managed by the Wealth Advisory and Trust Group of BDO Private Bank, a subsidiary of
BDO Unibank. This is testament to the trust our clients have in us. Nonetheless, BDO will
not become complacent and wait for others to engender change.

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