Investor Presentaiton

JAN FEB Provisions & Asset Quality NPL Level (in P bn) NPL Ratio #31.13B 0.3B -4.7B +0.9% vs. Last Quarter -13.2% vs. Last Year 38.8 35.9 31.1 MAR APR MAY Provisions (in P bn) 1.10 0.83 0.33 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV JUN JUL AUG SEP OCT NOV DEC 14 2021 2022 2023 1.46 DEC 38.0 30.9 1.82% 6bps -55bps vs. Last Quarter vs. Last Year MAR APR Credit Cost (in bps) 104 68 24 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT 2.76% 2.38% 1.82% MAY JUN JUL AUG SEP OCT NOV DEC ΛΟΝ DEC 2.49% 1.76% JAN NPL Cover 176.71% -336bps 2709bps vs. Last Quarter vs. Last Year 176.7% 149.6% 123.5% FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 180.1% 136.1% 93 58 Asset quality remained strong with NPL ratio at 1.82%, 16bps above pre-pandemic level; NPL cover at 176% vs 102% pre-pandemic 6bps uptick in NPL ratio QoQ driven predominantly by seasonal contraction in loan volume Credit cost continues to normalize THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. BPI

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