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Investor Presentaiton

28 Financial Highlights (in USD) Balance Sheet (in USD bn) Assets Net Loans Deposits CASA Capital AUM 9M 2019 Dec 2019 9M 2020 ▲ YoY ▲ YTD Profitability (in USD mn) 9M 2019 Dec 2019 9M 2020 ▲ YoY 43.9 45.5 45.5 3.6% -0.1% Net Interest Income 28.3 30.4 28.5 0.9% -6.2% Non-Interest Income 33.4 35.0 34.8 4.0% -0.6% Revenues 23.1 24.2 26.5 14.7% 9.6% Operating Expenses 5.5 5.6 5.8 5.8% 5.1% 16.8 17.2 19.6 16.9% 14.2% Pre-provision Operating Profit Net Income 1,004.1 1,360.7 1,122.4 11.8% 460.9 585.8 484.6 5.1% 1,465.0 1,946.4 1,607.0 9.7% 765.3 1,033.3 752.9 -1.6% 699.7 913.2 854.1 22.1% 454.6 594.3 354.3 -22.1% BPI Source: http://www.bsp.gov.ph/statistics/spei new/tab13.2 php.htm, rates as of end of period THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. STRICTLY CONFIDENTIAL.
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