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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% THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. STRICTLY CONFIDENTIAL.
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