Investor Presentaiton
Non-Interest Income
Up 5% YoY, driven by higher Securities Trading Gains
.
Forex income from remittance business down by 14% on lower volume
Fee income down due to lower transaction volumes and fee waivers: cards,
branch service charges, insurance commissions, retail loan fees, ATM fees,
securities brokerage
Diversified income sources
20
10
10
10
Amounts in P bn
Quarterly
YTD
% to September 2020
Total Non-Interest Income
BPI
YoY Change
20
40
YoY Change
30
23.5
+5.1%
22.3
-18.2%
20
20
5.6
8.6
+53.4%
8.8
9.2
Cards, 13.9%
Asset Mgt, 11.7%
Deposits, 9.2%
Insurance, 7.5%
Forex, 7.5%
Trans Banking, 6.9%
Leasing, 6.3%
Remittance, 2.9%
6.1
7.1
7.2
-41.4%
Digital Channel, 2.7%
10
3.1
2.1
4.6
1.8
16.8
-10.9%
14.9
Inv Banking, 1.9%
5.7
5.5
5.0
4.5
5.4
-5.6%
Retail Loans, 1.6%
0
Asset Sales, 1.1%
3Q19
4Q19
1Q20
2Q20
3Q20
9M19
9M20
Sec Brokerage, 0.7%
0
Fees, Comms., Others
Trading Income
Non-Interest Income
Sec Trading,
29.0%
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