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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. BPI Investor Presentation 1Q 2025
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 1Q 2025 Performance Highlights Profitability • Strong quarter net income of P16.64 billion, driven by revenues • Positive jaw maintained despite continued investment in technology and manpower • Sustained strong profitability with ROE at 15.35% and ROA at 2.05% Asset Quality • Increase in NPL ratio is attributed to the strategic expansion of non-institutional loans • Asset quality remained robust, with adequate coverage • NPL ratio at 2.26%, NPL cover at 100.11% Balance Sheet • Strong loans and deposit growth at 13.2% and 6.3% Y oY • Strong balance sheet with liquidity and capital ratios that are well above regulatory requirements • Robust capital position: indicative CET1 at 14.7%; CAR at 15.4% Growth • Further strengthened customer franchise with 16.7 million client base • Agency Banking is starting to demonstrate encouraging results • Ongoing branch optimization through the consolidation and transformation of RBC branches
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. Mar 2024 Mar 2025 YoY Net Interest Income 29.85 34.42 15.3% Non-Interest Income 9.68 10.29 6.3% Trading Income 0.63 0.42 -33.3% Forex Income 1.04 0.61 -41.3% Fee Income 8.00 9.25 15.6% Net Revenues 39.52 44.70 13.1% Opex 18.01 20.30 12.7% PPOP 21.51 24.40 13.4% Provisions 1.50 3.00 100.0% NIBT 20.01 21.40 7.0% Income Taxes 4.67 4.68 0.4% Net Income 15.26 16.64 9.0% In P bn Profitability - YoY • Robustquarter net income of P16.64 billion, up 9% Y oY predominantly driven byrevenues • Net Interest Income, up 15.3% Y oY, driven by loan growth at 13.2%, and continued NIM expansion at 30bps • Trading income, down 33%, following strong trading income in the previous year • Robust fee income, up 15.6%, backed by increase in customer base and volume • Revenue growth more than offset the growth in operating expenses, PPoP up 13.4% • Adjusting 1Q24 expenses for a like-for-like comparison • 1Q25 opex up 9.8% • 1Q25 PPoP up 16%
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. Profitability - QoQ 4Q 2024 1Q 2025 QoQ Net Interest Income 33.74 34.42 2.0% Non-Interest Income 10.64 10.29 -3.3% Trading Income 0.32 0.42 31.8% Forex Income 0.98 0.61 -37.3% Fee Income 9.34 9.25 -1.0% Net Revenues 44.38 44.70 0.7% Opex 24.44 20.30 -16.9% PPOP 19.94 24.40 22.4% Provisions 1.80 3.00 66.7% NIBT 18.14 21.40 18.0% Income Taxes 4.11 4.68 13.9% Net Income 14.06 16.64 18.3% In P bn • Net income up 18.3% QoQ, driven by lower opex, down 16.9%, • Opex declined 16.9% following a 15.9% increase in the prior quarter • PPoP up 22.4% • Provisions up 66.7%
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. Shareholder Returns Earnings per Share* Return on Assets Return on Equity *(1) For full year EPS: weighted number of shares used in the calculations are net of property dividends of 406,179,276 common shares issued from treasury shares (2) 2022 EPS includes impact of one-off sale of asset; net of one-off, 2022 EPS growth was 50.2% 2.90 3.16 1Q 2024 1Q 2025 4.35 4.85 8.05 10.49 11.78 2020 2021 2022 2023 2024 0.98% 1.08% 1.59% 1.93% 1.98% 2.05% 2020 2021 2022 2023 2024 1Q 2025 7.70% 8.40% 13.14% 15.35% 15.07% 15.35% 2020 2021 2022 2023 2024 1Q 2025 +8.8%
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 17.0B +0.7% 268.6B +13.2%₱2,304B Balance Sheet • Strong loans and deposit growth despite the high base last year due to the merger • Managed deposit growth and sustained improvement in LDR supportive of NIM expansion ASSETS GROSS LOANS DEPOSITS Outstanding Outstanding Outstanding vs. Last Quarter vs. Last Year 2024 20252023 vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year CASA RATIO vs. Last Quarter vs. Last Year LOANS TO DEPOSIT 2,674 2,888 3,068 3,319 3,280 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 2,035 2,287 1,715 1,935 2,304 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 2,149 2,295 2,423 2,615 2,576 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC -39.0B -1.2% 211.8B +6.9%₱3,280B -38.5B -1.5% 153.1B +6.3% ₱2,576B +197bps +543bps89.43% -69bps -228bps62.50%
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 74.4% 73.3% 72.6% 72.3% 71.2% 25.6% 26.7% 27.4% 27.7% 28.8%2,035 2,082 2,134 2,287 2,304 1Q24 2Q24 3Q24 4Q24 1Q25 Loans and Quarter NIM • Loans were up 13.2% from last year; led by non-institutional loans which now accounts for 28.8% of total loans • Sustained improvement in NIM, up 110 bps QoQ and 326 bps YoY • Growth in NIM driven by strong growth in non-institutional loans, managed deposit growth and reduction in RRR Quarter NIM YoY Change +37bps +30bps +9bps Gross Loans (in P bn) +13.2% +0.7% YoY QoQ Asset Yield NIM Cost of Funds 4.19% 4.32% 4.35% 4.37% 4.49% 6.26% 6.41% 6.48% 6.51% 6.63% 2.33% 2.36% 2.41% 2.44% 2.43% 1Q24 2Q24 3Q24 4Q24 1Q25
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 17.0B +0.7% 268.6B +13.2% ₱2,304B As of March 2025 0.2B +1.3% 3.8B +34.9% ₱15B 3B +8.9% 10.8B +38.5% ₱39B 0.9B 2.6% 18.4B +100.2% ₱37B 6.4B +3.5% 43.2B +30.0% ₱187B 12.3B +4.7% 43.1B +18.7% ₱273B -13.0B -0.8% 124.9B +8.2% ₱1,640B Loans by Segment • Loan growth was led by non-institutional portfolios which collectively increased 27.6% • Sharp growth in all segments, led by Business Bank/SME, Personal Loans and Microfinance TOTAL GROSS LOANS INSTITUTIONAL MORTGAGE CREDIT CARDS AUTO PERSONAL vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year 2024 20252023 vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year MICROFINANCE 7% NON-INSTITUTIONAL vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year 7% vs. Last Quarter vs. Last Year BUSINESS BANK 1,715 1,935 2,035 2,287 2,304 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 30.0B 4.7% 143.7B +27.6% ₱664B 7.0B +6.6% 24.4B +27.4% ₱113B 1,339 1,488 1,640 1,515 1,653 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 377 448 520 634 664 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 175 190 230 261 273 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 105 138 144 181 187 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 12 16 18 36 37 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 64 77 89 106 113 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 28 36 11 19 39 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 7 9 11 14.514.7 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 1,570 1,587 1,565 1,652 1,610 853 865 921 963 966 142 151 158 163 1462,565 2,603 2,644 2,778 2,723 1Q24 2Q24 3Q24 4Q24 1Q25 Total Funding • T otal funding slightly declined QoQ primarily from reduction in CASA and bond maturities • YoY , deposits was up 6.3%, remaining theprimary source of funds; borrowings also rose by 3.1%. • Sustained increases in loans-to-deposit and loans-to-total funding Total Funding (in P bn) Deposit Base (Amounts in P bn) +0.4% -2.5% YoYQoQ Non-Institutional (Retail and SME/Business Bank) Institutional -4.7% -0.3% +3.0% +7.5% Note: Deposits tagged as Others lodged in Retail/BB 1,785 1,841 1,853 1,925 1,918 639 610 632 690 658 2,423 2,452 2,486 2,615 2,576 1Q24 2Q24 3Q24 4Q24 1Q25 73.6% 75.1% 74.6% 73.6% 74.5% Non-Insti % to total -2.0% QoQ -10.2% Time CASA Other Borrowed Funds Note: Other Borrowed Funds include borrowings, repurchase agreements, and O/N interbank loans +13.2% +2.6% +6.2% YoY +3.1% Loans to Deposit Loans to Total Funding 79.3% 80.0% 80.7% 82.3% 84.6% 84.0% 84.9% 85.9% 87.5% 89.4% -1.5% +6.3%
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. Provisions and Asset Quality CREDIT COST (in bps) NPL LEVEL (in ₱ bn) NPL RATIO NPL COVER PROVISIONS (in ₱ bn) 2024 2025 vs. Last Quater vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year 2023 YTD 31.13 35.44 42.95 48.36 51.77 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 2.12% 2.13% 1.82% 1.84% 2.26% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 136.20% 107.13% 176.71% 156.08% 100.11% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 0.33 0.33 0.50 0.60 1.00 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 29 30 32 52 54 23 24 23 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 3B +7.0% 8.8B +20.5% ₱51.77B 13bps 14bps2.26% 100.11% -6ppts -36ppts Net of current loan classified as NPLs under BSP Circular 941 NPL Ratio : 2.04% NPL Cover: 111.01% NPL : P46.68 Bn
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. +13bps +14bps As of March 2025 2.26% NPL Ratio and Cover per Segment TOTAL INSTITUTIONAL MORTGAGE CREDIT CARDS AUTO PERSONAL vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year MICROFINANCE BUSINESS BANK vs. Last Quarter vs. Last Year 2024 20252023 -0.21bp +7bps 1.28% +66bps -71bps 6.09% +32bps -35bps 4.53% +33bps -10bps 4.15% +35bps +12bps 4.65% -17bps -3bps 5.27% +208bps +219bps 12.57% 1.82% 1.84% 2.12% 2.13% 2.26% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 1.12% 1.08% 1.22% 1.29% 1.28% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 6.80% 5.43% 7.86% 6.74%6.09% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 4.88% 4.21% 4.51% 4.40% 4.53% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 4.53% 4.30% 3.04% 3.94% 4.65% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 10.38% 10.49% 13.18% 11.02%12.57% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 5.30% 5.44% 3.48% 4.65%5.27% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 100.11% NPL Cover 125.74% NPL Cover NPL Cover98.36% 22.83% NPL Cover 146.21% NPL Cover 85.10% NPL Cover NPL Cover69.38% 107.32% NPL Cover 4.25% 3.82% 4.80% 4.26%4.15% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 8.00 8.99 9.39 9.34 9.25 1Q24 2Q24 3Q24 4Q24 1Q25 Rental, 0.2% Asset Sales, 1.7% Sec Brokerage & Inv Banking, 2.7% Corp Clients & Bus Banking, 3.1% Retail Loans, 3.5% Remittance, 5.0% Transaction Banking, 6.5% ATM & Digital Channels, 9.1% Service Charges, 9.5% Insurance, 11.7% Wealth Management, 15.3% Cards, 31.8% Fee Income • Fee income down 1% QoQ following a seasonally strong quarter; up 15.6% YoY • Strong growth in YoY performance across key businesses led by Cards, Digital Channels, Wealth Management • Increased in fee income attributed to expanded client base and increase in products and services driven by enhanced digital capabilities Ranked by Contribution to 1Q 2025 Fee Income*YoY Growth * gross of GRT and Others +27.0% +7.9% +59.7% +8.1% +6.4% +2.1% +12.6% +31.3% +4.8% +50.9% +4.4% +72.8% +15.6% -1.0% YoY QoQ Amounts in P bn
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 6.4 6.5 7.3 9.5 6.7 3.1 4.1 4.4 5.1 4.0 1.9 2.0 2.2 2.3 2.1 6.6 7.7 7.2 7.4 7.5 18.0 20.3 21.1 24.4 20.3 1Q24 2Q24 3Q24 4Q24 1Q25 Operating Expenses Amounts in P bn • Opex was up 12.7% YoY mainly driven by manpower cost due to higherheadcount from the merger • Other expenses include volume-related costs from cards, product insurance, distribution and PIN charges for online transactions • CIR declined to 45.4%, down 16 bps Y oY , on robust revenue +19.6% Manpower +13.8% Others +4.5% Premises +9.6% Tech +29.3% Total +12.7% YoY 2020 2021 2022 2023 2024 1Q 2025 Cost-to-Income 47.3% 52.1% 48.9% 50.0% 49.3% 45.4% Customer Count (in mn) 8.57 8.46 9.31 11.58 16.0 16.7 Headcount 19,952 19,181 18,201 19,522 22,602 22,476 Distribution Channels Total Branches 1,170 1,120 1,069 1,057 1,252 1,269 BPI 866 813 752 709 857 858 BanKo 304 307 317 348 368 384 LSB 27 27 Agency Banking Partner Stores 5,344 6,434 6,681 1/ CIR including impact of sale of property; 51.08% excluding revenue from sale of property 2/ Include 144 RBC physical branches in 2024, unchanged in 2025 1 2
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. Capital • CET1 capital increased on income accretion and additional shares issued from the merger • Capital ratios remained robust notwithstanding increase in RWA and capital distribution • Ratios comfortably well-above internal and regulatory thresholds Year-to-date RWA Year-to-date CET1 RATIO Year-to-date CAR Year-to-date vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year vs. Last Quarter vs. Last Year CET1 2024 20252023 Indicative – March 2025 CET1 and CAR Note: Effective January 1, 2022, minimum regulatory CET1 requirement for BPI is lower at 10.125% 299 324 350 366 381 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 1,911 2,118 2,374 2,642 2,597 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 15.7% 15.3%14.75% 13.9% 14.69% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 15.58% 14.6% 16.5% 16.2% 15.43% JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 15.4B +4.2% 31.4B +9.0% ₱381B -44.5B -1.7% 223.5B +9.4% ₱2,597B 14.69% 83bps -6bps 15.43% 79bps -15bps
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 1Q 2025 Sustainability Achievements Alliance for Green Commercial Banks • Asia: Among 2 PH banks to become a member of the Alliance for Green Commercial Banks (initiated by IFC), aimed at accelerating green banking transformation and embedding sustainability into the bank’s core strategies and culture • BPI delegation sent to Hong Kong for the immersion lab on new green finance innovations and best practices in green banking operations Terra Solar Philippines Inc. 15-year project finance facility for a 3,500 MW Solar PV Power Plant and a 4,500 MW Battery Energy Storage System (BESS) Maynilad Water Services 10-year loan to finance water and wastewater projects of Maynilad—one of the largest local water service providers in Metro Manila BPI ePayroll Cutting-edge payroll solution designed to simplify and expedite the opening of payroll accounts and the digital onboarding of employees InstaProtect Annual renewable term life insurance product offering simple and affordable protection coverage for individual clients BPI x DepEd MOA Signing BPI partnered with the Department of Education (DepEd) to donate 243 tablets and laptops to public schools nationwide
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 2025 ESG ACCOLADES 12 ESG-focused awards and recognitions received YTD in 2025 BEST BANK FOR SUSTAINABLE BONDS – GLOBAL GLOBAL FINANCE SUSTAINABLE FINANCE AWARDS 2025 BEST BANK FOR SUSTAINABLE BONDS – ASIA PACIFIC GLOBAL FINANCE SUSTAINABLE FINANCE AWARDS 2025 BEST BANK FOR SUSTAINING COMMUNITIES – ASIA PACIFIC FOR 2 CONSECUTTIVE YEARS GLOBAL FINANCE SUSTAINABLE FINANCE AWARDS 2025 BEST BANK FOR SUSTAINABLE FINANCE – PHILIPPINES FOR 4 CONSECUTTIVE YEARS GLOBAL FINANCE SUSTAINABLE FINANCE AWARDS 2025 BEST BLUE BOND IN SOUTHEAST ASIA FOR MAYNILAD’s BLUE BOND (BPI CAPITAL AS SOLE ISSUE MANAGER, JOINT LEAD UNDERWRITER, AND JOINT BOOKRUNNER) ALPHA SOUTHEAST ASIA 18TH ANNUAL ESG GREEN FINANCE AWARDS 2024 MOST INNOVATIVE DEAL OF THE YEAR FOR MAYNILAD’s BLUE BOND (BPI CAPITAL AS SOLE ISSUE MANAGER, JOINT LEAD UNDERWRITER, AND JOINT BOOKRUNNER) ALPHA SOUTHEAST ASIA 18TH ANNUAL ESG GREEN FINANCE AWARDS 2024 BEST SUSTAINABILITY-LINKED TRANSACTION FOR ALI’s SUSTAINABILITY-LINKED BOND (BPI CAPITAL AMONG THE JOINT LEAD UNDERWRITERS AND BOOKRUNNERS) ALPHA SOUTHEAST ASIA 18TH ANNUAL ESG GREEN FINANCE AWARDS 2024 BEST LOCAL CURRENCY BOND DEAL OF THE YEAR IN SOUTHEAST ASIA FOR ALI’s SUSTAINABILITY-LINKED BOND (BPI CAPITAL AMONG THE JOINT LEAD UNDERWRITERS AND BOOKRUNNERS) ALPHA SOUTHEAST ASIA 18TH ANNUAL ESG GREEN FINANCE AWARDS 2024 MOST INNOVATIVE DEAL IN SOUTHEAST ASIA FOR ACEN’s SUSTAINABILITY-LINKED LOAN (BPI AS CO-FUNDER) ALPHA SOUTHEAST ASIA 18TH ANNUAL ESG GREEN FINANCE AWARDS 2024 * In 2024, BPI received a record high of 18 ESG-focused awards LEADING PROVIDER OF SUSTAINABLE FINANCING IN THE PHILIPPINES 2025 INTERNATIONAL BUSINESS MAGAZINE AWARDS 2025 BEST SUSTAINABLE BANK PHILIPPINES 2025 FOR 4 CONSECUTTIVE YEARS INTERNATIONAL BUSINESS MAGAZINE AWARDS 2025 BEST SUSTAINABILITY BOND – LOCAL CURRENCY (PHILIPPINES) FOR SEED BONDS THE ASSET TRIPLE A SUSTAINABLE FINANCE AWARDS 2025 SUSTAINABLE FINANCE-RELATED AWARDS INVESTMENT BANKING-RELATED AWARDS
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 1Q 2025 INSTITUTIONAL AWARDS 3RD PLACE, THE BEST INNOVATION EXECUTION THROUGH MOBILE FOR “MAY BPI DITO” PHILIPPINE ASSOCIATION OF NATIONAL ADVERTISER BRAND EFFECTIVENESS THROUGH CUSTOMER EXPERIENCE: “MAY BPI DITO” PHILIPPINE ASSOCIATION OF NATIONAL ADVERTISER TOP 3 FINALIST, THE PLATINUM ANVIL FOR #PROUDTOBEPARTOFIT 60TH ANVIL AWARDS FINALIST, GRAND PANATA BRAND OF THE YEAR: “MAY BPI DITO” PHILIPPINE ASSOCIATION OF NATIONAL ADVERTISER MARKETING EXCELLENCE AWARD FOR EXCELLENCE IN ECOMMERCE MARKETING FOR “MAY BPI DITO” MARKETING INTERACTIVE 60TH ANVIL AWARDS GOLD ANVIL UNDER THE PR TOOLS – MULTIMEDIA CATEGORY FOR #PROUDTOBEPARTOFIT 2024 LAZADA AWARDS THE BPI FLAGSHIP STORE IN LAZADA AS THE BEST IN DIGITAL GOODS CATEGORY FOR “MAY BPI DITO” BEST DIGITAL ECOSYSTEM AND PLATFORM INITIATIVE IN THE PHILIPPINES FOR BPI LAZADA + 6 MOBILE APP SUITE FOR “MAY BPI DITO” THE ASIAN BANKER 2 GOLD AND 2 SILVER ANVIL, EXCELLENCE COMMUNICATION FOR BPI PUBLIC AFFAIRS AND COMMUNICATIONS TEAM 60TH ANVIL AWARDS BEST RETAIL BANK THE ASIAN BANKER GLOBAL
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. 1 Profitability: Strong 1Q operating performance 2 Balance Sheet: Healthy liquidity and capital position 3 Asset Quality: Strong despite uptick in NPL ratio; with ample allowance 4 Digital and Sustainability: Further strengthened our leadership in digitalization and sustainability Summary
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For your comments and queries contact us via: investorrelations@bpi.com.ph https://www.bpi.com.ph/ Scan the QR code to download the 2024 Integrated Report or visit https://www.bpi.com.ph/about-bpi/investor-relations/integrated-reports
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THIS DOCUMENT IS THE PROPERTY OF BANK OF THE PHILIPPINE ISLANDS. DISCLAIMER: This presentation has been prepared by the Bank of the Philippine Islands (“BPI” or the “Company”) solely for informational purposes. All contents hereof are the sole and exclusive property of BPI. Nothing in this presentation shall be considered a solicitation, offer, advice or recommendation to investors or potential investors in relation to holding, purchasing or selling securities or other financial products or instruments. In all cases, interested parties should conduct their own investigation and analysis of the Company and the data set forth in this presentation. BPI makes no representation or warranty as to the accuracy or completeness of information in this presentation and shall not have any liability for any representations (expressed or implied) regarding information contained in, or for any inaccuracies or errors in, or omissions from, this presentation. This presentation may contain forward looking statements including statements regarding the Company’s intent, belief or current expectations with respect to BPI’s [businesses and operations, market conditions, results of operation and financial condition, capital adequacy , specific provisions and risk management practices]. Readers are cautioned not to place undue reliance on these forward-looking statements. BPI does not undertake any obligation to publicly release the result of occurrence of unanticipated events. While due care has been used in the preparation of forecast information, actual results may vary in a materially positive or negative manner. Forecasts and hypothetical examples are subject to uncertainty and contingencies outside BPI’s control. You may also reach out to BPI's complaints handling unit for other inquiries and concerns, send us a message via www.bpi.com.ph/contact or call our 24-Hour BPI Contact Center at (+632) 889-10000. BPI is regulated by the Bangko Sentral ng Pilipinas. https/ /www.bsp.gov.ph Important Information