Investor Presentaiton

1H 2020 BALANCE SHEET PNB You first. (in PHP million) Cash/Due from BSP & Other Banks Investment Securities Loans and Receivables Property & Equipment Investment Properties Other Assets TOTAL ASSETS Deposit Liabilities Bonds Payable Bills & Acceptances Payable Other Liabilities 1H 2020 1H 2019 PNB Consolidated % Change 234,140 180,575 29.7% 180,061 243,606 -26.1% 602,619 598,486 0.7% 20,667 21,433 -3.6% 14,083 13,516 4.2% 30,240 29,808 1.4% 1,082,531 1,087,424 -0.4% 790,696 775,120 2.0% 65,869 67,223 -2.0% 36,053 72,680 -50.4% 35,610 36,398 -2.2% TOTAL LIABILITIES 928,228 951,421 -2.4% TOTAL EQUITY 154,302 136,003 13.5% TOTAL LIABILITIES AND EQUITY 1,082,531 1,087,424 -0.4% Loans/Deposits 76.7% 76.5% Total CAR 15.9% 14.0% Page 11

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