Investor Presentaiton

Consolidated Income Statement Amounts in PHP Billions 2016 2017 2018 2019 1Q20 Net Interest Income 15.71 18.02 20.49 22.37 6.30 Total Non Interest Income 7.11 7.10 6.01 13.49 3.69 Gross Income 22.82 25.12 26.50 35.86 9.99 Provision for Loan Losses 1.77 2.16 1.90 7.40 1.60 Income before Operating Expenses 21.05 22.97 24.60 28.46 8.39 Total Operating Expenses 17.36 17.82 19.40 21.80 5.56 Income before Tax 3.70 5.15 5.19 6.66 2.84 Provision for Income Tax (0.17) 0.84 0.87 1.28 0.53 Net Income 3.87 4.31 4.32 5.39 2.31 Net Income / (Loss) attributable to Minority Interest 0.00 0.00 0.00 0.00 0.00 Net Income attributable Parent Company 3.87 4.31 4.32 5.39 2.31 Shareholders 31 RCBC

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