Investor Presentaiton

Consolidated Key Financial Indicators Amounts in PHP Millions 1Q20 1Q19 Change UKB Industry PROFITABILITY Annualized ROE 11.1% 6.4% 4.7% 10.6% Annualized ROA 1.3% 0.8% 0.5% 1.3% Net Interest Margin 4.2% 3.8% 0.4% 3.5% COST EFFICIENCY Cost-to-Income Ratio 55.6% 64.2% -8.6% 58.4% ASSET QUALITY Net NPL Ratio 2.2% 2.6% -0.4% 0.9% NPL Coverage Ratio 76.2% 67.3% 8.9% 97.7% CAPITAL Capital Adequacy Ratio 13.8% 16.2% -2.4% CET1 12.9% 13.4% -0.5% 1/ Average equity for the consolidated and parent ratios were computed based on the 4-month average of end of month balances. 2/ Average assets for the consolidated and parent ratios were likewise computed based on the 4-month average of end of month balances of total assets.1 3/ Non-performing loans (NPLs) were net of total specific allowance for probable losses per BSP Circular No. 772 of 2012. RCBC

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