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Key Financial Ratios Return on Average Capital Funds Return on Average Assets Net Interest Margin Cost-to-Income Ratio CASA to Total Deposits NPL Ratio* CAR** 2016 2017 2018 2019 1Q20 6.4% 6.7% 5.8% 6.5% 11.1% 0.8% 0.8% 0.7% 0.8% 1.3% 4.1% 4.3% 4.0% 4.0% 4.2% 76.1% 70.9% 73.2% 60.7% 55.6% 58.1% 55.9% 54.4% 54.7% 53.6% 1.0% 1.3% 1.3% 2.2% 2.2% 16.2% 15.5% 16.1% 13.8% 13.8% *Non-performing loans (NPLs) were net of total specific allowance for expected credit losses per BSP CircularNo. 941 of 2017. ** Basel 3 as of 2014 33 RCBC

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