Slides
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Third Quarter 2025 October | 2025
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Contents Executive Summary 3 Transactions by Channel 4 Loan Portfolio and Deposits Growth 5 Consumer Loan Portfolio Growth 6 Sound Asset Quality and outstanding Risk Profile 7 Cost of Funds 8 Net Interest Margin 9 Revenues Performance 10 Efficiency Ratio 11 Profitability Metrics 12 Capital Adequacy Ratio (CAR) 13 Dividend Payment Proposal 14
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3 3Q25 Growth Y/Y Total Loan Portfolio 5.4 % Company Loans Portfolio 7.7 % Total Deposits 13.7 % Asset Quality NPL Ratio 1.97% Coverage Ratio 115.8 % Cost of Risk 1.09 % Profitability Efficiency Ratio 39.5 % ROAE 19.7 % ROAA 2.4 % Capitalization Capital Adecuacy Ratio September 2025 (preliminary) 15.9% Executive Summary Net Income for the 3rd quarter of 2025 stood at 2,267 million pesos. * * 100% CET1.
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Transactions by Channel ◥ Number of Transactions by Channel 41% 70% 35% 16%24% 14% 0 2 4 6 8 10 12 14 16 18 20 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 • Millions CAGR 25/20 29% -1% 5% 3.6X 0.9X 1.3X ◥ Amounts Transacted by Channel 64% 82% 35% 17% 1% 1% 0.0 0.2 0.4 0.6 0.8 1.0 1.2 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 • Trillion Pesos CAGR 25/20 30% 8% 7% 3.7X 1.5X 1.4X BranchesBajionet ATMs Total Transactions 16% 2.1X Total Amount 24% 2.9X 4
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Loan Portfolio and Deposits Growth 5 CAGR ’22 -‘3Q25: 8.1% ◥ Total Loan Portfolio | Million pesos Bn. $ Y o Y Companies* 231.7 7.7 % Government 13.7 -14.5 % Financial Institutions 11.6 -6.3 % Consumer 7.6 13.1 % Mortgage 3.6 -15.6 % * Includes Corporates and SMEs. ** Mostly development banks. 180,000 195,000 210,000 225,000 240,000 255,000 270,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2022 2023 2024 2025 ▪ Total Loan Portfolio stood at $268.2 Bn pesos, a growth of 5.4% YoY in 3Q25. ▪ Company Loans, which represent our core business, increased 7.7%. 3Q24 3Q25 13.52 % 11.40 % (212) bp Yield ◥ Total Deposits | Million pesos CAGR ‘22 -‘3Q25: 10.8% 180,000 195,000 210,000 225,000 240,000 255,000 270,000 285,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2022 2023 2024 2025 ▪ Total Deposits (DD+TD ) grew 13.7%, reaching $274.3 Bn pesos in 3Q25 YoY . CostBn. $ Y o Y Demand Deposits (DD) 140.7 20.5 % Time Deposits (TD) 133.6 7.2 % Repos 5.6 -3.9 % Interbank Loans** 44.4 -3.5 % 3Q24 3Q25 6.73% 5.36% (137) bp Average TIIE : 3Q24 11.10 % 3Q25 8.12 % (298) bp (1) Includes Repos(1)