Investor Presentaiton

Diverse and Stable fee-based revenue Fee Income In Php Million 4,175 3,759 3,490 3,417 3,601 2015 2016 2017 2018 Fee Income by Source 7% 13% 1% 9% 30% 40% 3% 5% 7% 964 2019 1Q20 14% 46% 24% 1Q 2020 1Q 2019 ■Debit Cards (ATM Cards) ■Deposit and Branch-Related ■Investment Banking-Related ■Loan Commitments Trust Bancassurance Fee Income Growth Strategy Retail Banking: Build a large mass affluent client base, including prepaid (MyWallet) and payroll customers, and increase no. of transactions such as payment (i.e. bills) and purchases. Push Digital onboarding and use of digital app. SME and Corporate Banking: Develop relationships with Corporate and SME clients to increase cross selling / collateral business (i.e. cash management, consumer loans, insurance, etc.), and earn loan fees. Asset Management/Investment: Grow the Trust and Wealth Management businesses, leveraging on the bank's good relationship with the Chinese- Filipino clientele Investment Banking Fees: Build steady stream of deals in pipeline for Debt & Equity Underwriting and Financial Advisory, using RCBC Capital, an RCBC Subsidiary 25 RCBC

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