Investor Presentaiton

20 BPI BPI in the "New Normal" Pre-COVID-19 focus areas remain Be the main Corporate operating bank Capture the ecosystem Customers Deepen Corporate Relationships Growth in high-margin businesses SME Consumer 88 Microfinance ✓ Banko 4 saloidius of 1 Taking a pause in 2020 given weak market demand and focus on asset quality preservation MOBILE FIRST BPI Strengthen P Funding Franchise A 5-point Digital Strategy SHAPE THE EXPERIENCE HI-TECH X HI-TOUCH Borrowings Deposits Build the need to maintain a working capital (CASA) account Tap alternative funding sources Stakeholders OPEN BANKING INDUSTRY CLASS INFRA THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. STRICTLY CONFIDENTIAL.

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