Investor Presentaiton

Loans up across all customer segments Loan Portfolio¹ Loan Mix In Php Billions, except % As of December 2023 622 +15% PL/SL 1% 543 Consumer SME Corp Auto 21% Housing 204 +29% 158 41% Consumer Loans 33% 125 +17% 47% 622B Credit Card 37% 107 276 292 +6% Dec 2022 Dec 2023 Corp ■ SME ■Consumer [2] [1] Total loans include microfinance loans of P1.2B as of Dec 2022, and P1.3B as of Dec 2023 [2] Consumer refers to Auto, Mortgage, Credit Card and Personal/Salary Loans 20% SME and Consumer segment grew by 17% and 29%, respectively. In particular, credit cards drove consumer loan growth and closed 49% closed 49% higher along with accelerated bookings in housing loans 9 RCBC

View entire presentation