STOCKHOLDERS’ MEETING 2016

April 28, 2017

Philippine GDP Growth

3.9%

6.6%7.2%

6.1% 5.8%

6.9%

2011 2012 2013 2014 2015 2016

Revenue and Net IncomeRevenue Net Income

29.8 34.8

38.6

49.3

58.6

2012 2013 2014 2015 2016

Php B

5.8

6.5 6.2

7.0

8.5

2012 2013 2014 2015 2016

Php B

+97%

+19%

+47%

+21

65%

31%

4%

% of 2016Net Income

41%

41%

5%

13%

% of 2016 Revenues

Revenue and Net Income

Property Banking Sugar Power

Year-End Balance Sheet(Php in Billions)

2016 2015

Assets 498.6 419.4

Stockholders’ Equity

104.0 96.9

Solid Financial Position

• Debt-to-Equity Ratio 1.13:1

• Net-Debt-to-Equity Ratio 0.52:1

• Average Debt Maturity 8.7 years

• Fixed Rate Debt 97%

• Local Currency Debt 89%

• Foreign Currency Debt 100% hedged

2015 Dividends

499 512

466 481

2013 2014 2015 2016

(Php M)

2013 2014 2015 2016

Centavos / share

5.36 5.49 5.00 5.16

Payout rate 12.3% 12.0% 12.4% 11.0%

BUILDING A BRIGHTER FUTURE

FDCUI’s 405MW coal plant

CFB ADVANTAGES Built-in pollution control Sulfur captured & removed during

combustion Low furnace temperatures result in low NOx

emissions High combustion efficiency leads to lower

CO2 emissions Flexible system can handle low- to high-

quality fuels

Partnerships with CDC & BCDA

488 hectares in Clark corridor

Expansion of EastWest Bank

Growth of hospitality business

PROPERTY

Property Revenues

Revenues

15.9 17.5

20.0 22.3

24.2

2012 2013 2014 2015 2016

Php B

Includes FLI, FAI & hotels

• Property revenues = 41% of total group revenues

• Recurring income > 30% of property group’s net income

+8%

1.7 2.0

2.6

3.0

3.4

2012 2013 2014 2015 2016

Php B

FLI Rental Revenues

+15%

FLI Retail PortfolioIl CorsoSouth Road Properties, Cebu

Festival Supermall, Filinvest City

Php11.9B of launches in 2016

Futura HomesPalm EstatesTalisay, Bacolod

Marina SpatialDumaguete

Growth across the country

City di Mare, SRP, Cebu

Filinvest City, Alabang

FAI among Top 10 Developers

Rising prices in Filinvest City

148

246 246

300

347

68

120 139

156 185

2012 2013 2014 2015 2016

Highest published lot prices in Php 000/sqm

High FAR

Low FAR

Integrated leisure township at Clark Mimosa Estate

• Sustainable resort community that will include:

• a regional lifestyle and retail mall

• a new office park

• a variety of residential options from villas to mid-rise condos

Developing plans for Clark Green City

Hotel RevenuesQuest Hotel and Conference Center Clark

0.7

1.0

1.1

1.3

1.6

2012 2013 2014 2015 2016

Php B+26%

Crimson Boracay: Opening 2017

BANKING

Net Income

1.82.1 2.1 2.0

3.4

2012 2013 2014 2015 2016

Php B

• Acquired retail banking business of Standard Chartered Bank Philippines

+70%

Total Assets = Php291.8B

Loans

72.495.6

122.1

157.0

201.8

2012 2013 2014 2015 2016

Php B

Consumer Loans

37.848.9

65.8

90.6

137.2

2012 2013 2014 2015 2016

Php B

+25%

+51%

Loans

68%

32%

Consumer Corporate

• Auto Loans +59%

• Mortgage Loans +37%

• Credit card receivables +23%

Industry-Leading NIM

Deposits

91.2111.2

147.7

184.1

240.2

2012 2013 2014 2015 2016

Php B

• Net interest margin = 7.7%

• Net interest margin net of provisions = 4.9%

+30%

Branch Network

• 7th largest in terms of branch network

• Net revenues +34%

• Operating expenses +20%168

292

347

405433 445

2011 2012 2013 2014 2015 2016

New businesses

Insurance

• Formed EastWest Insurance Brokerage, Inc.

• Bancassurance operations with Troo, a joint-venture with Ageas Insurance

Other Businesses

• EastWest Leasing and Finance

• Investment banking

POWER

FDCUI’s 405MW CFB plant

SUGAR

Sugar revenues = Php2.6B

SHARING WITH OUR COMMUNITIES

FDCUI Medical Mission

Go Pink Campaign at Festival Mall

FDCUI Reading Readiness Program

THANK YOU

Dividend Announcement

499 512

466 481

550

2013 2014 2015 2016 2017

(Php M)

2013 2014 2015 2016 2017

Centavos / share

5.36 5.49 5.00 5.16 5.90

Payout rate 12.3% 12.0% 12.4% 11.0% 10%