Investor Presentaiton

Income growth driven by trading gains and loan book expansion Amounts in PHP Millions GROSS INCOME ■Net Interest Income ■Other Income Diversified and high quality loan portfolio 1Q20 0% 1Q19 A 20% Consumer 31% Corporate 0% 451B 53% ▲ 13% 3,693 30% 386B 55% ▲ 19% 2,859 15% SME 16% ▲ 26% A29% 6,300 5,288 1Q19 1Q20 Trading & FX gains 1,446 2,451 1Q20 1Q19 19 RCBC

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