Investor Presentaiton

Net Income & Balance Sheet Net Income (without ROPA) In Php Millions • • 5,946 2018 57% 9,336 2019 Balance Sheet In Php Billions 984 2018 16% 1,142 2019 Core profitability boosted by solid growth in recurring income & increase in trading and foreign exchange gains Reported net income of P 9,761 M in FY 2019 grew by 2% from P 9,556 M in FY 2018 Steady growth in assets was driven by sustained momentum in core lending and deposit taking activities - PNB You first. Page 9

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