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BDO Unibank, Inc

  • #1 in Banking & financial services
  • 1,000 - 50,000 employees

About BDO Unibank, Inc

  • Banking & Financial Services

What it does: BDO Unibank’s commercial and universal banking operations include corporate, investment, personal, private, and rural banking services.
Best known for: BDO Unibank is the largest bank in the Philippines based on assets, customer loans, and deposit accounts as of 2021.
Staff stats: more than 38,000 people
Financials: Php28.20 billion in net income for 2020
The good bits: Qualified employees enjoy lucrative perks such as annual merit increase in salaries and retirement benefits.
The not-so-good bits: BDO Unibank follows a tedious hiring process. Fresh grads should ace up to three interview rounds to land their desired roles.

The BDO Unibank story

BDO Unibank’s corporate heritage dates back to 1968 when its predecessor, Acme Savings Bank, only had two branches in Metro Manila. SM Group acquired the bank in 1976 and rebranded it as Banco de Oro Savings and Mortgage Bank.

By 2002, the bank went public by listing its shares on the Philippine Stock Exchange. Since then, the company has become a dominant name in the banking industry.

BDO Unibank ranks as the largest bank in the Philippines based on assets under management and capital, consolidated resources, customer loans, and deposits. It also has the largest network of ATMs (4,400+) and branches (1,400+) in the country as of 2021.

The company’s primary products and services include:

  • Brokering
  • Corporate cash management
  • Corporate, commercial, consumer, and SME lending
  • Credit cards
  • Remittances and foreign exchange
  • Retail banking
  • Trust and investments

BDO Unibank also offers insurance brokerage, investment banking, leasing and finance, life insurance, private banking, rural banking, and stock brokerage services through its local subsidiaries.

The culture

GradPhilippines named BDO Unibank as the top graduate employer in the banking and financial services sector in 2021. The company achieved the distinction by treating employees as ‘its most valuable assets’.

This level of appreciation reflects BDO Unibank’s employment retention rate. For instance, the median tenure at the company is four years.

Many insiders cited the collaborative and friendly culture as key reasons for enjoying their work. While young new hires undergo proper training for their roles, they can still expect guidance from colleagues.

The biggest challenges for fresh grads would be the long working hours and irregular schedules, especially for branch roles. BDO Unibank’s branches are open even during weekends.

The competition

BDO Unibank’s primary competitors are the Bank of the Philippine Islands, Land Bank of the Philippines, Metrobank, and Philippine National Bank.


BDO drew flak for an online advertisement in 2015. The ad depicted a question of choosing between saving the environment and saving up for travel expenses.

In 2020, the company fired an employee who ‘fabricated a bank certificate in favor of EY Germany,’ the auditor of embattled financial services company Wirecard.

Social contributions

BDO Foundation implements the company’s corporate social responsibility projects. As of 2020, the foundation has extended relief aid to more than 100,000 families in disaster-stricken areas.

Since 2012, the BDO Foundation has redeveloped 100 rural health units, including 17 in 2020. The facilities have improved the lives of over 874,000 Filipinos.

The vibe of the place

BDO Unibank attracts fresh grads because of its competitive benefits package and distinguished brand as a top graduate employer.

Recent graduates, however, should prepare well for a stringent hiring process. Once they successfully pass the recruitment stages, they need to acclimate quickly to a fast-paced work environment.

Recruitment Process

Most fresh grads apply for jobs at BDO Unibank by visiting the careers website. Once they find a relevant opportunity, the application process starts with providing data privacy consent.

Next, applicants can either send their CVs and cover letters via e-mail or by submitting an online form. BDO Unibank’s general recruitment stages involve five steps:

  1. Online exam
  2. Initial interview with HR
  3. Hiring manager interview
  4. Executive interview
  5. Feedback or job offer

The actual recruitment process for fresh grads may only take fewer steps depending on the role. BDO Unibank may also ask candidates to attend an assessment center.

Insiders advise candidates to study before they take the online exam. The company uses this to pre-screen unqualified individuals. In some cases, the HR interview may happen before the online test. Some of the common interview questions include:

  • Why did you apply for this job?
  • Where do you see yourself after five years?
  • What are your strengths and weaknesses?

BDO Unibank may take up to one month to process applications, but some candidates may get a job offer within two weeks.

Remuneration & Career Growth


Entry-level salaries range from Php11,000 to Php20,000 per month. The actual monthly salary depends on a fresh grad’s role.

Average monthly salaries for entry-level roles:

  • Accounting assistant (Php15,000 to Php19,000)
  • Administrative assistant and client service associate (Php12,000 to Php15,000)
  • HR assistant (Php11,000 to Php12,000)
  • Junior auditor (Php15,000 to Php17,000)
  • Marketing assistant (Php20,000)

BDO Unibank offers a lucrative benefits package that includes annual merit increases in salaries and retirement benefits.

Employees also enjoy 16th-month bonuses, allowances (eg food, medical, tuition fee), and health and life insurance. In terms of work-life balance, the company provides maternity, paternity, sick, and vacation leave.

Career prospects

Career opportunities at BDO Unibank consist of branch and non-branch roles. Fresh grads can also join the company as account officer trainees (AOTs) and online account officers.


The program allows fresh grads to gain experience in account solicitation and business development of consumer loans. They also become familiar with BDO Unibank’s commercial and corporate banking, insurance and leasing operations.

AOTs should have an inherent knack for marketing and sales because they cross-sell bank products and services. At the same time, customer service skills will be important to generate business from current and prospective accounts.

Branch roles

Recent graduates often work as accounting assistants, client service associates, and traveling tellers for branch roles.

Non-branch roles

Fresh grads have more options for non-branch roles at BDO Unibank. Most of the career prospects involve work as assistants in 17 roles:

  1. Accounting
  2. Administrative
  3. Billing
  4. Cashiering
  5. Custodian settlement
  6. HR
  7. Loans
  8. Marketing
  9. Processing
  10. Product reconciliation
  11. Product service
  12. Property support services
  13. Reconciliation
  14. Relationship manager
  15. Remittance
  16. Sales support
  17. Training

Other entry-level roles include credit associates, documentation processors, and executive secretaries.

Online account officers

BDO Unibank welcomes anyone with a college degree to join the company as online account officers. The role will help with navigating ‘a truly digital customer service’.

Jobs & Opportunities

Locations With Jobs & Opportunities
  • Philippines, National Capital Region, Luzon, Mindanao
Hiring candidates with qualifications in
Business & Management
Creative Arts
Engineering & Mathematics
Humanities, Arts & Social Sciences
IT & Computer Science
Law, Legal Studies & Justice
Medical & Health Sciences
Property & Built Environment
Teaching & Education
Current Jobs & Opportunities

Graduate Job

Central Visayas, Eastern Visayas
The position is responsible for achieving loan volume targets while maintaining profitability, sound credit quality and good customer service.
Applications Close
31 Dec 2021
Start Date

Graduate Job

Philippines, National Capital Region, Luzon, Mindanao