Investor Presentaiton
Key Takeaways
9-month recap: Resilience in Crisis
21
PROFITABILITY
1.Core Earnings: strong Net Interest Income, NIM expansion
BALANCE SHEET
1. Loans: muted growth from weakened demand due to
lockdowns
BPI
2. Non-Interest Income: hefty trading gains, weakness in fee
income
3. Provisions: aggressive and pre-emptive, elevated credit
costs
4. Operating Expenses: shift in branch spending to COVID-19-
related expenses, continued digital investment, improved
cost efficiency
2. Asset Quality: impact of Bayanihan 1 expiration reflected,
monitoring Bayanihan 2 customer take up
3. Funding: strong CASA growth, tapped the debt capital
markets through peso bond issuance
4. Capital and earnings: comfortable capital buffer, dividend
payments sustained
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