Investor Presentaiton
BPI
Revenue
Sustained NIM performance driving Net Interest Income results
YoY quarter NIM expansion as cost of funds declined faster than asset yields
Sequential quarter shows slight NIM compression of 5bps
YTD NIM of 3.51% still higher by 18 bps
on lower cost of funds
YoY Change
YoY Change
5.19%
5.20%
5.08%
5.08%
4.79%
-41 bps
4.79%
4.53%
-66 bps
Asset Yield
3.51%
3.32%
+18 bps
3.63%
3.46%
3.48%
3.43%
3.28%
+15 bps
2.12%
NIM
1.45%
-67 bps
60
80
2.14%
1.82%
1.65%
-89 bps
COF
77.9
1.48%
1.25%
80
+9.7%
71.0
60
60
23.5
60
22.3
+5.1%
40
40
+0.4%
27.4
40
+11.8%
25.1
25.3
25.2
23.3
20
8.8
6.1
7.1
9.2
54.4
7.2
-18.2%
48.7
20
20
16.3
17.3
18.1
18.3
18.0
+10.4%
0
3Q19
4Q19
1Q20
2Q20
3Q20
0
9M 19
9M 20
*Includes DST; Net of GRT
9
Amounts in P bn
Net Interest Income*
Non Interest Income
Net Revenues
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