Investor Presentaiton

Consolidated key financial items FY 2023 FY 2022 Change % Change INCOME STATEMENT Gross Income 49,941 44,454 5,487 12.3% Net Interest Income 33,574 31,216 2,358 7.6% Fee Income 7,082 5,884 1,198 20.4% Operating Expenses 29,612 25,100 4,512 18.0% Impairment Losses 6,914 5,706 1,208 21.2% Net Income 12,216 12,080 136 1.1% BALANCE SHEET Assets 1,237,484 1,154,108 83,376 7.2% Loans¹ 622,136 539,849 82,287 15.2% Investment Securities 330,737 374,365 (43,628) (11.7%) Deposits 956,694 857,244 99,450 11.6% Capital 152,277 116,361 35,916 30.9% *Amounts in PhP Millions, except % and ratios [1] Loans and Receivables net of Allowances and Interbank Loans CO 6 RCBC

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