Investor Presentaiton

Overview of RCBC Rizal Commercial Banking Corporation (RCBC) is the 5th largest privately-owned bank in the Philippines, with over Php 1.2 trillion in total resources as of December 31, 2023. Main Business Lines Corporate Banking Trust and Investments SME Banking Consumer Loans (Auto & Housing) Bancassurance Foreign Exchange Investment Banking Leasing Ownership Structure 國泰人壽 Cathay Life Insurance 18.7% 33.9% Investment Information Particulars Ticker As of December 2023 RCB Outstanding Shares 2,419.54M Stock Price 23.00 Market Capitalization PhP 54.32B (USD 0.98B) BV per share PhP 54.63 Price-to-Book Value Ratio 0.42x Dividend Payout Ratio 20% Digital Banking Credit Cards (Cards, Personal & Salary) Microfinance Securities Brokerage Credit Rating MOODY'S Pan Malayan Management and Investment Corp. (PMMIC) SMBC 20.0% IFC International Finance Corporation WORLD BANK GROUP 4.5% 8.4% 14.5% YUCHENGCO GROUP OF COMPANIES The Power of Synergy Public Float Long Term Deposit Senior Unsecured Baa3 Baa3 Baseline Credit Statement ba1 Outlook Positive 20 20 RCBC

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