Investor Presentaiton
19
BPI
Transformation Catalyst
The pandemic has caused the consumer to rely on remote interactions and digital channels to execute simple banking
transactions
• Notable shift from branch to digital transactions, even prior to ECQ
Branch share to total transaction is down to 8.0%
• Other factors forcing a re-think of the
traditional branch banking model:
23.2%
19.0%
14.8%
11.6%
9.7%
9.4%
8.2%
8.0%
24.6%
23.6%
22.1%
23.2%
36.6%
31.2%
42.7%
69.6%
65.8%
66.9%
68.8%
47.4%
57.2%
48.6%
38.3%
29.4%
Dec-17,
Dec-18
Dec-19
Jan-20
Feb-20
Mar-20
Apr-20
May-20
Jun-20
Jul-20
Aug-20
Sep-20
Enrollment
―Active Users
■Digital
ATM
Branch
3.72
3.38
2.96
1.52
1.76
1.90
3.92
2.01
4.09
4.17
4.22
4.27
2.30
2.39
2.46
2.50
Dec-17
Dec-18
Dec-19
Jan-20
Feb-20
Mar-20
Apr-20
May-20
Jun-20
Jul-20
Aug-20
Sep-20
Rapid Digital adoption
COVID-19 period
Banking Products are now
bought digitally
Decreasing Face to Face
interaction
Branch consolidation and
rationalization in progress
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