Investor Presentaiton

RCBC Net Income Sustains Its Strong Momentum Amounts in PHP Millions 1Q20 1Q19 Change % Change SELECT INCOME STATEMENT DATA Net Interest Income 6,300 5,288 1,013 19.2% Non-Interest Income 3,693 2,859 834 29.2% Operating Expenses 5,556 5,232 324 6.2% Provision for Probable Losses 1,601 1,134 467 41.2% Net Income 2,308 1,305 1,004 76.9% SELECT BALANCE SHEET DATA Assets 715,322 664,727 50,595 7.6% Loans 470,198 404,013 66,185 16.4% Deposits 488,335 415,965 72,370 17.4% Capital 84,708 83,261 1,447 1.7% *On May 27, 2019, the RCBC Board approved the Bank's request to exercise its call option and redeem its P10,000 5.375% Tier 2 Notes. The request was subsequently approved by the Monetary Board on July 25, 2019, subject to compliance with BSP conditions. On September 26, 2019, the Bank exercised the call option and fully redeemed the notes. 16 RCBC

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