Investor Presentaiton

Consolidated key financial indicators PROFITABILITY Return on Equity Return on Assets Dec-23 Dec-22 Change 9.5% 11.2% -1.7% 1.1% 1.2% -0.1% 3.4% 3.7% -0.3% Net Interest Margin COST EFFICIENCY Cost-to-Income Ratio 59.3% 56.5% 2.8% ASSET QUALITY Net NPL Ratio 1.6% 2.0% -0.4% NPL Coverage Ratio 89.6% 84.4% 5.3% Credit Cost 1.5% 1.4% 0.1% CAPITAL Capital Adequacy Ratio 17.4% 15.3% 2.1% CET1 14.7% 12.3% 2.4% 17 RCBC

View entire presentation