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1 ANY INVESTMENT DECISION TO PURCHASE SECURITIES IN THE CONTEXT OF A PROPOSED OFFERING, IF ANY, SHOULD BE MADE ON THE BASIS OF THE FINAL TERMS AND CONDITIONS OF THE SECURITIES AND THE INFORMATION CONTAINED IN THE OFFERING CIRCULAR PUBLISHED IN RELATION TO SUCH AN OFFERING AND NOT ON THE BASIS OF THIS DOCUMENT WHICH DOES NOT CONSTITUTE OR FORM PART OF AN OFFER OR SOLICITATION OF AN OFFER TO PURCHASE OR SUBSCRIBE FOR ANY SECURITIES. The information contained in this document has not been independently verified and no representation or warranty, expressed or implied, is made as to, and no reliance should be placed on, the information or opinions contained herein. The information set out herein does not purport to be complete, may be subject to revision and may change materially. RCBC is under no obligation to keep current the information contained in this document and any opinions expressed in it are subject to change without notice. None of RCBC or any of its affiliates, advisers or representatives shall have any liability whatsoever for any loss whatsoever arising from any use of this document or its contents or otherwise arising in connection with this document (whether direct, indirect, consequential or other). The information in this document should not be considered as a recommendation or advice to holding or purchasing securities or any other financial product, and does not take into account your particular investment objectives, needs or financial situation. This document is highly confidential and is being given solely for your information and for your use and may not be shared, copied, reproduced or redistributed to any other person in any manner. This document contains “forward-looking statements”, which include all statements other than statements of historical facts, including, without limitation, any statements preceded by, followed by or that include the words “will”, “would”, “aim”, “aimed”, “will likely result”, “is likely”, “are likely”, “believe”, “expect”, “expected to”, “will continue”, “will achieve”, “anticipate”, “estimate”, “estimating”, “intend”, “plan”, “contemplate”, “seek to”, “seeking to”, “trying to”, “target”, “propose to”, “future”, “objective”, “goal”, “project”, “should”, “can”, “could”, “may”, “will pursue” or similar expressions or the negative thereof. Such forward- looking statements involve known and unknown risks, uncertainties and other important factors beyond RCBC’s control, that may change at any time, and could cause the actual results, performance or achievements of RCBC to be materially different from future results, performance or achievements expressed or implied by such forward looking statements. Recipients are cautioned not to place substantial or undue reliance on these forward-looking statements. All forward-looking statements included in this presentation are made only as of the date of this presentation and neither RCBC, the Dealers, nor any of their respective affiliates, agents, advisors or representatives (including directors, officers and employees) intend or has any duty or obligation to supplement, amend, update or revise any of the forward-looking statements contained in this document as a result of new information, future events or any other factors. Recipients of this presentation are required to make their own independent investigation and appraisal of the business and financial condition of RCBC, and any tax, legal, accounting and economic considerations relevant to the situation. The Dealers may act as market makers or trade on a principal basis, or have undertaken or may undertake to trade for their own accounts, transactions in the Securities or related instruments of RCBC and may act as underwriter, placement agent, advisor or lender to RCBC. The Dealers and/or their respective employees may hold a position in any Securities mentioned herein. This document contains data sourced from and the views of independent third parties. In replicating such data in this document, neither RCBC nor the Dealers make any representation, whether express or implied, as to the accuracy of such data. The replication of any views in this document should not be treated as an indication that RCBC or the Dealers agree with or concurs with such views. Disclaimer
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RCBC 9M 2025 Investor Presentation 2
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9M 2025 Performance
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4 9M 2025 Key Highlights Award-winning digital CX • Digital loan availments on the rise, accounting for 65% of unsecured loans • Streamlined processes and enhanced support resulting to frictionless cx • Among the first to implement AI across customer journeys • Recognized as Best Bank for Digital by Euromoney for the 6th year • Gross income surged by 23.8%, supported by a robust 4.7% NIM • NII soars by 32.0% vs. previous year driven by robust consumer loan expansion • Service fees and commissions jump 24.9% vs. year ago 470 Branches 7,934 ATM1 6,879 Employees 1Includes ATM Go terminals and ATM Agency Banking terminals - handheld ATM facility that enables banking transactions outside branches and ATMs, and through partner merchants ₱8.2B net income ₱759B in net loans; 11% vs 9M24 ₱1.3T Total Assets 13.3% CET1 Ratio 7.1B in digital loan bookings as of 9M2025 6,389 ATMGo Terminals as of September 30, 2025 • Total assets maintained a stable growth trajectory, reaching ₱1.3 Tn • Capital remained strong with CET at 13.3% and CAR at 14.2% Consumer loans drive strong profitability Robust balance sheet & capital position 32% Increase in net income
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Consolidated Financial Overview 5 Income Statement Amounts in PhP Millions, except YoY 9M25 9M24 Change YoY Gross Income 46,758 37,767 8,991 23.8% Net Interest Income 40,841 30,931 9,909 32.0% Fee Income 7,841 6,275 1,565 24.9% Operating Expenses 25,983 23,289 2,695 11.6% Impairment Losses 10,657 5,612 5,045 89.9% Net Income 8,179 6,215 1,963 31.6% Balance Sheet Amounts in PhP Millions, except YoY As of Sep 2025 As of Sep 2024 Change YoY Assets 1,314,682 1,284,972 29,710 2.3% Loans¹ 758,868 681,222 77,646 11.4% Investment Securities 396,829 398,100 (1,271) (0.3%) Deposits 996,964 990,440 6,524 0.7% Capital 148,678 158,098 (9,420) (6.0%) Financial Ratios 9M25 9M24 YoY PROFITABILITY ROE2 6.9% 5.2% 1.7% ROA 0.8% 0.7% 0.2% NIM 4.7% 3.8% 0.9% COST EFFICIENCY CIR 55.6% 61.7% (6.1%) ASSET QUALITY Net NPL Ratio 2.9% 2.0% 0.9% NPL Coverage Ratio3 71.4% 82.0% (10.7%) CAPITAL CAR 14.2% 16.3% (2.2%) CET1 13.3% 13.8% (0.5%) [1] Loans and Receivables net of Allowances and Interbank Loans [2] ROE is calculated excluding AT1 capital. [3] NPL cover includes P6.7Bn of General Loan Loss provisions booked in Retained Earnings
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30.9 40.8 6.8 5.9 9M24 9M25 Net Interest Income Other Income 37.8 46.8 23.8% 32.0% (13.4%) YoY Fee Income +29.7% YoY *Figures in Php Billions, except % As of September 30, 2025 6 Core business driver of strong performance +24.9% YoY Gross Revenue Quarterly Net Interest Income 6.3 7.8 9M24 9M25 57% 23% 4% 16% Debit & Credit Cards Loans Investment Banking Other retail transactions 11.2 11.6 12.3 14.0 14.5 3Q24 4Q24 1Q25 2Q25 3Q25 Net Interest Income Quarterly NIM 4.7% 4.6% 4.2% 3.9% 3.8%
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285 304 131 112 262 348 9M24 9M25 Corporate SME Consumer 764B 7 1Total Gross Loan to Customer 2Consumer refers to Auto, Mortgage, Credit Card and Personal/Salary Loans *Figures in Php Billions, except % As of September 30, 2025 678 764 12.8% (14.4%) 6.8% 32.8% YoY Customer Loan Portfolio1 Loan Mix Consumer Loans Consumer loans leading portfolio expansion 45% 15% 40% Consumer SME Corporate 39% 34% 24% 3% Credit Cards Housing Loans Auto Loans PL/SL
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7.32% Asset Yield 2.81% 3Q24 4Q24 1Q25 2Q25 3Q25 Cost of funds 8 Historical Cost of Funds and Asset Yield in % Quarterly Net Interest Margin Trend in % Higher NIM from improvement in cost of funds 3.8% 3.9% 4.2% 4.6% 4.7%
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Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 9 Consumer Loans portfolio in PHP billions, % growth year-on-year Consistent double-digit consumer loan expansion CARDS & PL +38% MORTGAGE +21% AUTO +44% ₱32.7B in auto loan bookings, up by 33% compared to previous year, supported by dealership programs vs industry’s 24% ₱26.7B in mortgage loan bookings, up by 10% vs. LY, boosted by internal sales & partnership with developers ₱181.2B in issuing billing; 31% higher compared to year ago levels +33% vs industry’s* 19% *UKB Industry data as of June 30, 2025
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10 Credit Card Issuing Billings Trend In Php Billions P94K in receivables per card, up by 15% year-on-year P136B in balances; 38% improvement from last year’s level P11.8B personal loans receivables; 39% increase vs last year 1.45M cards in force; 20% higher than last year, 325k new cards as of 9M25 Strong growth in credit cards & personal loan bookings 65% Share of Digital Loans to Total Disbursements 16.6 18.1 18.6 20.5 20.5 18.2 20.4 19.9 20.2 21.5 20.6 19.3 20.6 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25
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15% 19% 26% 40% Gross NPL Ratios 11 Challenges in SME portfolio contributing to higher NPL ratios Despite overall NPL ratio increasing due to portfolio growth, its NPL ratios in key segments were better than the industry average as of June 2025 and have continued to improve. The SME portfolio only accounts for 15% of the total loan portfolio, and contains accounts experiencing stress pending restructuring. To manage risk, the bank focuses on select customers with good credit behavior, such as its depositors, affluent clients, and payroll customers. June 2025 Corporate Consumer Credit Cards and PL SME 2.94% 4.60% 4.42% 12.75% Loan Portfolio Mix RCBC UKB Consumer 4.70% 5.98% Credit Cards & PL 4.25% 4.55%
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33.92% 8.40% Cash management to support deposit growth Historical Deposits & CASA in Php Billions CheckScan transaction values up by 61%, pushing transactions up to PHP 56 B Double-digit jump in CashCube business at 50% vs previous year Bills collection brought PHP 72B increase in transactions value YoY EFT and auto-credit contributed 36% of increase in values Payroll up PHP 15.7B YoY, bringing total value to PHP 106B Double digit jump in checks, up by PHP 15B 12 536 672 857 957 1,022 990 997 302 373 421 502 538 502 502 2020 2021 2022 2023 2024 9M 2024 9M 2025 Deposits CASA
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Digital channels show strong performance 19 All-in-One Lifestyle App App for Lifehacks and Digital Credit PH’s 1st neighborhood & last mile ATM network 45% Transaction Volume 48% Transaction Value 6,389 Terminals 23% Transaction Volume 25% Transaction Value
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Additional Information
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Key milestones in the RCBC story RCBC Savings Bank was incorporated to provide retail/consumer banking 1960 Spinnaker Capital Group sold its entire stake back to RCBC and the Yuchengco Group Acquired JP Laurel Rural Bank in Batangas to expand microfinance operations to Luzon Cathay Life Insurance acquired a 20% stake in RCBC 1962 1973 1985 1986 1989 2000 1996 1998 2006 2008 2009 2011 2012 2013 2015 2018 SMBC acquired an additional 15% stake in RCBC through a P27B capital infusion. The bank was given 51 more awards for its excellent products and services. 2019 2020 2021 2023 15 RCBC was incorporated and began operations in Rizal Received approval from the Bangko Sentral ng Pilipinas ("BSP")¹ to operate as a commercial bank under its present name Formed alliances with Continental Illinois Bank and UFJ (Sanwa) Continental Illinois National Bank & Trust sold its shareholding to UFJ (Sanwa Bank) Successful listing on the Philippine Stock Exchange (“PSE”) Received approval from BSP to operate as a universal bank Acquired Capital Development Bank and merged with RCBC Savings Acquired 67% stake in Bankard Inc. Spinnaker Capital Group bought the entire shareholding of UFJ (Sanwa Bank) Acquired Merchants Bank to kickstart microfinance lending in Mindanao IFC acquired an approximately 7.2% stake in RCBC CVC Capital Partners acquired an approximately 15% stake in RCBC Formed Bancassurance partnership with Sunlife GREPA Financial Acquired First Malayan Leasing and Finance Corporation (now known as RCBC Leasing and Finance Corporation) and its subsidiary Malayan Rental (now known as RCBC Rental Corporation). Placed additional shares to comply with Basel III capital rules IFC infused additional equity Sold stake in RCBC Realty and Bankard (listed company only) Raised PHP15 billion in Peso Bond, the Philippines’ first green finance framework under the ASEAN Green Bond Standards. RCBC Savings merged with RCBC on July 2019 RCBC completed a PHP15bn (USD280m) rights issue Launched DiskarTech, RCBC’s financial inclusion super app Gained 17 awards, including the Best Digital Bank in the Philippines award, from local and international organizations Sumitomo Mitsui Banking Corporation (SMBC) acquired a 5% stake in RCBC Named the Best Digital Bank in the Philippines by Asiamoney for the second consecutive year and garnered 54 awards for the year 2024 The bank earned an additional 59 awards for its outstanding products and services. The bank was recognized as the Best Digital Bank in the Philippines by Asiamoney the third time, with 71 more awards. 2022
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9 33.92% 8.40% 16 Investment Information 33.9% 20.0% 18.7% 9.6% 4.5% 13.3% Ownership Structure Pan Malayan Management and Investment Corp. (PMMIC) Public Float Market Data Particulars As of September 30, 2025 Ticker RCB Outstanding Shares 2,419.54M Stock Price 25.55 Market Capitalization PhP 61.819B (USD 1.06B)¹ BV per share PhP 61.45² Price-to-Book Value Ratio 0.42x Dividend Payout Ratio 20% Credit Rating Long Term Deposit Baa3 Senior Unsecured Baa3 Baseline Credit Statement ba1 Outlook Stable [1] As of September 30, 2025; 58.196 PhP= 1.00 USD exchange rate [2] Book Value of RCBC is computed based on the Total Equity (Parent), net of the P14Bn AT1 Capital.
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RCBC Capital Corporation Investment Bank 99.96% RCBC Forex Brokers Corporation Forex Broker 100% RCBC Leasing and Finance Corporation Leasing Company 99.67% Offers a complete range of investment bank and financial consultancy services Engages in dealing and brokering currencies in forex contracts with local and international clients Provides much-needed services to the unbanked and underserved segments of the country’s population Administers UITFs, investment management accounts, retirement funds, and other trust funds Rizal Microbank Microfinance Thrift Bank 100% RCBC Rental Rental Company 100% RCBC Leasing & Finance Corp RCBC Securities Securities Brokerage 100% RCBC Capital RCBC Bankard Credit Card Services Provider 100% RCBC Capital RCBC Int’l. Finance Hong Kong Finance Company 99.99% Bancassurance Partners RCBC Trust Corporation Trust Services 40% RCBC Investments Remittance 100% RCBC International Finance 17 Comprehensive and Diversified Business Platform Serves corporate, commercial, and consumer clients specializing in equipment and machinery leasing and rentals Focuses on remittance services, facilitating secure and efficient fund transfer for overseas Filipinos and global clients
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Appendix
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Consolidated Financial Overview (July to September) 19 Income Statement Amounts in PhP Millions, except % Change 3Q25 3Q24 Change % Change Gross Income 16,381 12,757 3,625 28.4% Net Interest Income 14,500 11,183 3,317 29.7% Fee Income 2,457 2,340 117 5.0% Operating Expenses 8,796 7,911 885 11.2% Impairment Losses 4,178 2,006 2,172 108.3% Net Income 2,832 1,765 1,066 60.4%
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12 9 20 Consolidated Income Statement 9M25 9M24 Change YoY Interest Income 63,948 58,517 5,431 9.3% Interest Expense 23,107 27,585 (4,478) (16.2%) Net Interest Income 40,841 30,931 9,909 32.0% Other Income 5,917 6,835 (918) (13.4%) Trading Gains and Forex (3,792) (1,548) (2,244) 145.0% Service Fees & Commissions 7,841 6,275 1,565 24.9% Miscellaneous 1,869 2,108 (239) (11.4%) Operating Expenses 25,983 23,289 2,695 11.6% Impairment Losses 10,657 5,612 5,045 89.9% Provision for Income Tax 1,939 2,651 (712) (26.9%) Net Income 8,179 6,215 1,963 31.6% Figures in Php Millions, except %
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Consolidated Balance Sheet 21 As of Sep 2025 As of Sep 2024 Change YoY Cash/Due from BSP & Other Banks 82,979 122,064 (39,085) (32.0%) Investment Securities 396,829 398,100 (1,271) (0.3%) FVTPL 16,007 13,883 2,124 15.3% FVOCI 126,941 126,963 (22) (0.0%) Held to Maturity Investments 253,881 257,254 (3,373) (1.3%) Loans (net of Interbank) 758,868 681,222 77,646 11.4% Other Assets 76,006 83,586 (7,580) (9.1%) TOTAL ASSETS 1,314,682 1,284,972 29,710 2.3% Deposit Liabilities 996,964 990,440 6,524 0.7% Demand 216,374 215,490 884 0.4% Savings 285,632 286,253 (621) (0.2%) Time 494,958 488,697 6,261 1.3% Other Liabilities 109,143 109,855 (712) (0.6%) Bonds Payable 59,897 26,578 33,319 125.4% Total Liabilities 1,166,004 1,126,873 39,131 3.5% Capital Funds 148,678 158,099 (9,420) (6.0%) TOTAL LIABILITIES & CAPITAL 1,314,682 1,284,972 29,710 2.3% Figures in Php Millions, except %
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Consolidated Financial Ratios 22 9M25 9M24 Change Profitability ROE* 6.9% 5.2% 1.7% ROA 0.8% 0.7% 0.2% NIM 4.7% 3.8% 0.9% Cost Efficiency CIR 55.6% 61.7% (6.1%) Asset Quality Net NPL Ratio 2.9% 2.0% 0.9% NPL Coverage Ratio** 71.4% 82.0% (10.7%) Capital CAR 14.2% 16.3% (2.2%) CET1 13.3% 13.8% (0.5%) *ROE is calculated excluding AT1 capital. **NPL Cover includes General Loan Loss provisions booked in Retained Earnings
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12 9 23 2020 2021 2022 2023 2024 Interest Income 36.9 37.1 45.8 66.3 79.0 Interest Expense 10.7 8.3 14.6 32.7 36.6 Net Interest Income 26.3 28.8 31.2 33.6 42.5 Other Income 11.6 7.6 13.2 16.4 10.9 Trading Gains and Forex 6.7 1.0 1.5 0.4 -0.5 Service Fees & Commissions 3.5 4.5 5.5 6.7 8.5 Miscellaneous 1.4 2.0 6.2 9.3 2.9 Operating Expenses 22.0 22.5 25.1 29.6 31.8 Impairment Losses 9.4 6.0 5.7 6.9 8.6 Provision for Income Tax 1.5 0.7 1.6 1.3 3.5 Net Income 5.0 7.1 12.1 12.2 9.5 Historical Income Statement Figures in Php Billions Based on YTD December figures Numbers may not properly add up due to rounding errors
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24 2020 2021 2022 2023 2024 Cash/Due from BSP & Other Banks 148 157 181 187 153 Investment Securities 88 219 374 331 429 FVTPL 5 6 7 12 10 FVOCI 40 50 115 82 159 Held to Maturity Investments 43 164 252 237 260 Loans (net of Interbank) 449 508 531 622 710 Other Assets 81 61 78 65 70 TOTAL ASSETS 772 959 1,154 1,237 1,331 Deposit Liabilities 536 672 857 957 1,023 Demand 107 145 175 214 225 Savings 195 228 246 288 313 Time 233 299 436 455 484 Other Liabilities 45 88 106 94 152 Senior Debt 90 87 74 35 27 Total Liabilities 671 848 1,038 1,085 1,202 Capital Funds 101 111 116 152 158 TOTAL LIABILITIES & CAPITAL 772 959 1,154 1,237 1,331 Figures in Php Billions Figures are as of their year-end Numbers may not properly add up due to rounding errors Historical Balance Sheet
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25 2020 2021 2022 2023 2024 Profitability ROE* 5.5% 6.7% 11.2% 9.5% 6.0% ROA 0.7% 0.8% 1.2% 1.1% 0.7% NIM 4.3% 4.1% 3.7% 3.4% 3.8% Cost Efficiency CIR 58.2% 61.9% 56.5% 59.2% 61.7% Asset Quality Net NPL Ratio 2.9% 3.3% 2.0% 1.3% 2.0% NPL Coverage Ratio** 79.2% 63.7% 84.4% 89.6% 74.4% Capital CAR 16.1% 15.2% 15.3% 17.4% 16.2% CET1 12.6% 12.2% 12.3% 14.7% 13.5% Figures are as of their year-end *ROE is calculated excluding AT1 capital. **NPL Cover includes General Loan Loss provisions booked in Retained Earnings. Historical Financial Ratios
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For more information about RCBC, please contact Investor_Relations@rcbc.com