Investor Presentaiton

15 Funding and Liquidity Diversified funding mix ensuring ample liquidity and optimized cost of funds Deposit growth largely driven by CASA deposits Strong demand from debt capital markets despite lockdown BPI Volumes in P bn 76.2% 73.5% 71.8% 69.1% 69.1% CASA Ratio P15.3B Bonds YTD YoY 1,620 1,695 1,762 1,677 500 524 444 496 1,685 Total 401 Time -0.6% +4.0% 4.2423% p.a. January 13, 2020 ■ 2 years ■ Payable quarterly -23.5% -19.9% P33.9B Bonds 1,120 1,171 1,233 1,266 1,284 CASA +9.6% +14.7% ■ March 27, 2020 ■ 1.5 years 4.05% p.a. ■ Payable quarterly 3Q19 4Q19 1Q20 2Q20 3Q20 Industry Deposits Aug 2020 A YTD ΔΥΟΥ Total 14,317 +4.7% +9.1% Time 3,742 -8.5% CASA 10,574 +10.4% -5.6% +15.5% P21.5B CARE Bonds 3.05% p.a. ■ 1st PH Social Bonds ■ August 7, 2020 ■ 1.75 years ■ Payable quarterly P70.7B YTD Total Bond Issuances THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. STRICTLY CONFIDENTIAL.

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