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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 THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. STRICTLY CONFIDENTIAL.
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