FY 2018 and Q4-18 Results

Group key risk ratios [Q4-18] Our risk ratios remain stable and asset quality remains sound CAPITAL ADEQUACY 3.2% 4.9% 3.1% 6.9% 7.3% 12.0% 21.3% - 22.9% 20.3% 19.8% 15.8% 15.0% Q4-17 Q1-18 Q2-18 Q3-18 Q4-18 Tier 1 Tier 2 BPNG requirement PROVISIONS TO LOANS 4.9% 4.8% 4.7% 4.6% 4.7% Q4-17 Q1-18 Q2-18 Q3-18 Q4-18 FY 2018 and Q4-18 Results HIGHLIGHTS Capital adequacy ratio declined slightly to 22.9% in Q4-18 due to payment of dividend, but remaining well in excess of the 12% prudential requirement. BSP's provisions to loans ratio in Q4-18 remains relatively stable consistent with IFRS 9 models. BSP 23

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