Investor Presentaiton

8 Profitability Highlights 9M 3Q ΥΟΥ Δ In P bn Sep-2019 Sep-2020 Sep-2019 Sep-2020 9M 3Q Net Interest Income 48.66 54.40 16.30 17.99 11.8% 10.4% Non-Interest Income 22.34 23.48 8.80 7.19 5.1% -18.2% Trading Income 5.58 8.56 3.10 1.82 53.4% -41.4% Non-Trading Income 16.75 14.91 5.70 5.37 -10.9% -5.6% Revenues 71.00 77.88 25.10 25.18 9.7% 0.3% Operating Expenses 37.09 36.48 12.81 12.29 -1.6% -4.1% PPOP 33.91 41.39 12.29 12.89 22.1% 4.9% Provisions 4.58 21.06 1.09 6.05 360.3% 453.7% NIBT 29.34 20.33 11.19 6.83 -30.7% -39.0% Net Income 22.03 17.17 8.29 5.49 -22.1% -33.7% BPI THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. STRICTLY CONFIDENTIAL.

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