Investor Presentaiton

Consolidated Balance Sheet Amounts in PHP Millions 1Q20 1Q19 Change % Change Cash/Due from BSP & Other Banks 88,790 88,192 598 0.7% Investment Securities 97,570 140,181 (42,611) -30.4% Loans (net of Interbank) 448,421 385,052 63,369 16.5% Other Assets 80,541 51,302 29,239 57.0% TOTAL ASSETS 715,322 664,727 50,595 7.6% Deposit Liabilities 488,335 415,965 72,370 17.4% Demand 79,709 57,796 21,913 37.9% Savings Time Other Liabilities Senior Debt Subordinated Debt 182,249 171,449 10,800 6.3% 226,376 186,719 39,657 21.2% 57,707 87,488 (29,781) -34.0% 84,572 68,023 16,549 24.3% 9,991 Total Liabilities Capital Funds TOTAL LIABILITIES & CAPITAL 630,614 581,466 49,148 8.5% 84,708 83,261 1,447 1.7% 715,322 664,727 50,595 7.6% *On May 27, 2019, the RCBC Board approved the Bank's request to exercise its call option and redeem its P10,000 5.375% Tier 2 Notes. The request was subsequently approved by the Monetary Board on July 25, 2019, subject to compliance with BSP conditions. On September 26, 2019, the Bank exercised the call option and fully redeemed the notes. 20 RCBC

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