Investor Presentaiton

Improving asset quality despite portfolio growth Gross NPL amount and ratio In Php Billions, except % 5.10% 4.58% 4.04% 3.83% 3.75% 3.91% 3.77% 3.34% 28.6 24.8 24.1 24.2 24.4 22.8 22.9 21.4 Gross NPL ratio per segment As of December 2023 Corporate SME Consumer Credit Card 1.58% 3.55% 5.38% 3.62% 1Q 2022 2Q 2022 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 4Q 2023 The Bank's data and digital strategies, tightened credit and proactive remedial management paid off, with marked improvement in NPLs across most loan segments. Gross NPL -Gross NPL Ratio 11 RCBC

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