Investor Presentaiton

30 BPI Management Team As of January 31, 2020 BPI Bong Consing President & CEO 23 years with BPI Elected President and CEO since 2013 Director of BPI from 1995- 2000, 2004-2007 and 2010-present Former Head of Investment Banking, J.P. Morgan Asia Pacific Currently also serving on the boards of various subsidiaries of BPI • Tere Marcial EVP & CFO 25 years with BPI Chief Finance Officer and Head of Strategy and Finance since April 2017 Serving on the Board of BPI Europe, PLC., BPI MS, BPI Global Payments, BPI Payment Holdings Previously served on the BPI Trust Committee and Board of BPI Investment Management, Inc. Previously held senior positions in Corporate Banking and Asset Management & Trust 25 years of banking experience • . John-C Syquia EVP 4 years with BPI Head of Corporate Banking since January 2018 Former President of BPI Capital Corp. Previously, Country Head of Corporate Clients for Standard Chartered Bank, Head of Corporate Finance at ING Bank Manila, and Head of Strategy and Business Development at ING Asia Pacific Ltd Over 29 years of experience in financial services Jojo Ocampo EVP 24 years with BPI Head of Mass Retail, Former Chief Marketing Officer Serving on the Boards of BPI Payment Holdings Inc, BPI Global Payments, BPI Direct Banko, AF Payments Inc, and Zalora Previously held several positions in Unsecured Lending Cards, Payments, Remittances, Deposits, Kiosk Banking & Customer Segments 24 years of banking experience • Mon Jocson EVP & COO 4 years with BPI Chief Operating Officer since January 2019, and Head of Enterprise Services Formerly Vice President & General Manager of IBM Global Services and Managing Director of IBM Philippines Served on the Economic Development Board of Singapore Vice-Chairman, CyberSecurity Committee of the Bankers Association of the Philippines THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. STRICTLY CONFIDENTIAL.

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