Investor Presentaiton

Consolidated Income Statement Amounts in PHP Millions 1Q20 1Q19 Change % Change Interest Income 9,512 9,083 429 4.7% Interest Expense 3,212 3,796 (584) -15.4% Net Interest Income 6,300 5,288 1,013 19.2% Other Income 3,693 2,859 834 29.2% Trading Gains and Forex 2,451 1,446 1,005 69.5% Trust Fees 70 79 (9) -11.9% Service Fees & Commissions 894 977 (83) -8.5% Miscellaneous 279 357 (79) -22.0% Provision for Probable Losses 1,601 1,134 467 41.2% Operating Expenses 5,556 5,232 324 6.2% Provision for Income Tax 527 476 52 10.9% Net Income 2,308 1,305 1,004 76.9% 18 RCBC

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