Investor Presentaiton

BPI Bank Performance Highlights 9-month recap: Resilience in Crisis Taal Volcano Eruption Luzon ECQ/MECQ Bayanihan Act 1 Highlights: Revenue NCR GCQ Net Interest Income: P18bn, +13% NIM: 3.63%, +24bps Asset Quality Provisions: P4bn, +2.3x NPL Ratio: 1.82% Earnings quality, Cost discipline PPOP: P13bn, +19% CIR: 49.6% Capital position, Liquidity CET1/CAR: 15.3%/16.2% LCR/NSFR: 198.4%/142.9% Operations Branches Open: 30% Digital Txn Count % to Total: 92% Highlights: Revenue Bayanihan Act 2 Net Interest Income: P36bn, +12% NIM: 3.55%, +18bps Asset Quality Provisions: P15bn, +4.3x NPL Ratio: 1.83% Earnings quality, Cost discipline PPOP: P28bn, +32% CIR: 45.9% Capital position, Liquidity CET1/CAR: 15.6%/16.5% LCR/NSFR: 251.6%/156.5% Operations Branches Open: 100% Digital Txn Count % to Total: 90% Highlights: Revenue Net Interest Income: P54bn, +12% NIM: 3.51%, +18bps Asset Quality Provisions: P21bn, +4.6x NPL Ratio: 2.98% Earnings quality, Cost discipline PPOP: P41bn, +22% CIR: 46.9% Capital position, Liquidity* CET1/CAR: 15.5%/16.3% LCR/NSFR: 215.2%/154.4% Operations Branches Open: 100%, rotational Digital Txn Count % to Total: 89% J F M A M J 7 Note: Volumes and metrics as of quarter end, Growth rates are YoY, *Indicative J A S THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. STRICTLY CONFIDENTIAL.

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