Investor Presentaiton
Earnings
Higher earnings allowed for
acceleration of provisions
Profitability metrics impacted by
aggressive provisioning
Stable dividend payment
BPI
YoY
11.26%
10.97%
10.43%
41.4
8.99%
+22.1%
10.52%
35.1%
10.27%
9.38%
32.1%
31.6%
8.56%
33.9
8.32%
28.2%
Provisions
4.6
21.1
360.3%
1.42%
1.38%
NIBT
29.3
20.3
-30.7%
1.31%
ΓΓ
3Q19
4Q19
1Q20
2Q20
3Q20
1.30%
28,803
22,416
23,078
1.21%
22,050
1.08%
1.05%
.31%
1.15%
8,104
8,113
8,124*
7,086
7,091
9M 2019
9M 2020
PPOP (in P bn)
Note: PPOP=Net Revenues less Operating Expenses
17,172
2016
2017
2018
2019
BPI - ROA
Industry ROA¹
-
BPI - ROE Industry - ROE¹
Dividends (in P mn)
9M20
Net Profit to shareholders (in P mn)
Payout ratio
*Includes second semester dividends
17
1 3Q 2020 data not yet available, 2Q 2020 industry metrics are still the latest published
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