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Investor Presentaiton

Loans and Quarter NIM • • . QoQ decline in loans from seasonal dip in demand in January; expansion resumed in February through March YoY, loan book up 13.2%; growth rate has remained ahead of industry Sustained improvement in NIM, up 52bps YoY and 19bps QoQ, fastest in four quarters BPI Gross Loans (in P bn) +13.2% YOY -2.4% QoQ 1,756.8 1,715.3 1,611.3 1,656.7 1,515.8 Quarter NIM YoY Change 5.29% +126bps 4.81% 4.40% 4.03% 4.13% 3.66% 3.75% 3.94% +52bps 3.51% 3.42% 1.53% 1.20% +84bps 0.69% 0.71% 0.83% Asset Yield NIM Cost of Funds 1Q22 2Q22 3Q22 4Q22 1Q23 1Q22 2Q22 9 3Q22 4Q22 1Q23 THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS.

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