Investor Presentaiton

Historical Financial Performance Amounts in PHP Billions PROFITABILITY OPERATING EFFICIENCY 76.1% 70.9% 73.2% 60.7% 55.6% 11.1% 6.4% 6.7% 5.8% 6.5% 17.4 17.8 19.4 21.8 5.6 2016 2017 2018 2019 1Q20 Operating Expenses Cost-to-Income Ratio 5.4 4.3 4.3 3.9 2.3 LOANS AND DEPOSITS CAGR Loans 12% '16-'19 Deposits 9% 2016 2017 2018 2019 1Q20 Net Income Annualized ROE 306 353 354 388 389 423 430 457 448 488 2016 2017 2018 2019 1Q20 ■Loans Deposits 17 RCBC

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