Investor Presentaiton

Stable foundations despite headwinds • Total assets jumped on the back of 15% increase in customer loans Asset Growth • More than 1 million cards-in-force for Credit Cards • Deposit rally driven mostly by CASA 尹1.2T in total assets; 7.2% higher vs last year P622B in loans; driven by consumer Solid Returns • Capacity Building . • • Upward trajectory of NII for the last 5 years Lower NPL ratio despite loan expansion across all segments Return on equity closed at 9.5%; return on asset hit 1.1% P50B all-time high revenues P12.2B in net income; core profits up 10% • Four digital channels: Pulz App, Boz App, Diskartech and ATMGO CAR and CET1 ratio reached 17.4% and 14.7% RCBC Trust Corporation started its operations in January 2, 2024 P65M in gross transaction volume; up 33% YoY 5,779 ATM Go terminals as of December 31, 2023 ATM 458 branches 7,239 ATMS* 6,410 employees *includes ATM Go terminals--RCBC's handheld ATM facility that enables banking transactions outside branches and ATMs, and through partner merchants RCBC

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