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Investor Presentaiton

11 COL Investor Presentation 1H22 Net Income -71.1% Y/Y Pro Forma Consolidated Income Statement (Php Mil) Change 1H21 1H22 Amount % 1H22 net income fell by 71.1% to Php138.7 Mil due to the significant decline in commissions in 2Q22, and the high base in 1Q21. Pro forma consolidated revenues were down 50.7% to Php388.4 Mil as commissions fell by 58.5% and due to the absence of other income. This was partly offset by the 31.4% increase in interest income and 11.0% rise in trailer fees. Operating profits fell by a faster 68.6% to Php183.5 Mil as operating expenses remained flat despite the drop in revenues. Taxes last year were also lower than normal due to the booking of one time benefit from the passage of the CREATE law. Income Commissions 639.9 265.7 (374.2) -58.5% Interest 84.2 110.6 26.4 31.4% Trailer Fees 10.2 11.4 1.1 11.0% Other income 52.9 0.8 (52.1) -98.5% Total 787.2 388.4 (398.8) -50.7% Expenses Commission expenses 15.1 16.2 1.1 7.3% Personnel costs 66.9 74.2 7.3 10.9% Professional fees 24.1 22.4 (1.6) -6.8% Stock exch. dues & fees 21.8 12.5 (9.3) -42.6% Communication 21.1 21.5 0.4 1.8% Rentals & utilities 3.9 4.9 1.0 25.9% Depreciation 32.9 27.3 (5.6) -16.9% Advertising & marketing 1.7 2.9 1.2 71.2% Others 16.4 23.0 6.6 40.0% Total 203.8 204.9 1.1 0.6% Pre-Tax Income 583.5 183.5 (400.0) -68.6% Taxes 104.0 44.8 (59.2) -57.0% Net Income 479.5 138.7 (340.7) -71.1%
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