FY 2018 and Q4-18 Results

Group financial KPI's BSP Group has maintained strong results across all key performance ratios COST TO INCOME ROE & ROA 29.6% 30.6% 30.7% 27.8% 44.7% 41.0% ROE ROA 42.9% 42.6% 3.1% 3.3% 3.5% 3.7% 2015 2016 2017 2018 2015 2016 2017 2018 CAPITAL ADEQUACY PROVISIONS TO LOANS / NPL TO LOANS 4.9% 4.9% 4.9% 4.7% 3.2% 4.1% 3.3% 3.1% 12% 22.9% 1.7% 1.9% 19.0% 19.8% 21.3% 19.8% 1.4% 1.3% 2015 2016 2017 2018 Tier 1 Tier 2 CB requirement FY 2018 and Q4-18 Results 2015 2016 2017 2018 Provisions to loans NPL to loans BSP 6

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