Col Financial Group, Inc. · PSE:COL

Col Financial — 1H26 Earnings Presentation

24 slides from Col Financial's earnings presentation, 2026

  1. Slide 1: COL Financial Group Inc. Investor Presentation

    © COL FINANCIAL COL FINANCIAL GROUP INC. =* INVESTOR ) PRESENTATION

  2. Slide 2: Company Overview

    2Q26 COL INVESTOR PRESENTATION Company Overview The leading Established and Focused on Founder Edward licensed by the tapping the K. Lee retains a online SEC in 1999 underserved 21.8% stake and stockbroker in retail investor actively manages base in the stock the company the Philippines market

  3. Slide 3: Shares Outstanding, Free Float and Market Cap

    2Q26 COL INVESTOR PRESENTATION 21.8% Edward K. Lee 5.95Bil 15.5% Outstanding Shares 32.1 % 21.8 % Daiwa Securities 1.91 Bil 13.9% Free Float Alexander C. Yu 15.5 % 16.8% Php7.97 Bil 16.8% Other Directors & Officers Market Cap* 13.9% 32.1% *As of end June 2026 Public

  4. Slide 4: Business Objective

    2Q26 COL INVESTOR PRESENTATION Business Objective Our Goal is to be the Champion of the Filipino Investor. To be the preferred source of financial services, a trusted provider of guidance and investment, and a strong organization committed to delivering great value to its customers.

  5. Slide 5: COL Milestones

    2Q26 COL INVESTOR PRESENTATION COL Milestones *Adjusted for reduction in par value and dividends

  6. Slide 6: Bulk of Revenues Derived from Commissions and Interest

    2Q26 COL INVESTOR PRESENTATION Sources of Revenues Commissions Interest Trailer fees Other income Bulk of Revenues 0.7% 3.0% Derived from Commissions and Interest Income 55.9% In 1H26, commissions accounted for 40.4% of revenues. Interest income from margin loans and cash placements accounted for 55

  7. Slide 7: Key Operating Highlights

    2Q26 COL INVESTOR PRESENTATION Key Operating Highlights Positives Negatives 1. Profits up 2.5% as revenues increased 5.2%, 1. Interest income fell 4.2% due to lower interest driven by strong growth of commissions and rates and margin utilization trailer fees 2. Client equity down 1.9% due to poor ma

  8. Slide 8: 1H26 Net Income +2.5% Y/Y

    2Q26 COL INVESTOR PRESENTATION Pro Forma Consolidated Income Statement (Php Million) 1H26 Net Income Change +2.5% Y/Y Income 1H25 1H26 Amount % Commissions 193.7 234.5 40.8 21.1% Interest 338.8 324.4 (14.4) -4.2% 1H26 net income increased by 2.5% to Php261.6 Mil, largely driven Trailer Fees 12.9 17.

  9. Slide 9: Higher Commissions and Trail Fees Partly Offset by Lower Interest Income

    2Q26 COL INVESTOR PRESENTATION Revenue Breakdown (Php Million) Higher Commissions and Trail Fees Change Partly Offset by Lower Interest Income Revenue Breakdown 1H25 1H26 Amount % Commission 193.7 234.5 40.8 21.1% Interest 338.8 324.4 (14.4) -4.2% Revenues were up 5.2% to Php580.4 Mil largely due to

  10. Slide 10: Higher Commissions and Trail Fees Partly Offset by Lower Interest Income

    2Q26 COL INVESTOR PRESENTATION Revenue Breakdown (Php Million) Higher Commissions and Trail Fees Change Partly Offset by Lower Interest Income Revenue Breakdown 1H25 1H26 Amount % Commission 193.7 234.5 40.8 21.1% Interest 338.8 324.4 (14.4) -4.2% On the other hand, interest income fell by 4.2% to P

  11. Slide 11: Expenses Up Led by Trading Related Expenses

    2Q26 COL INVESTOR PRESENTATION Expenses Up Led by Trading Breakdown of Expenses (Php Million) Related Expenses Change 1H25 1H26 Amount % Trading Related Expenses Commission expenses 16.4 20.6 4.2 25.9% Total expenses were up 7.8% at Php246.3 Mil, led by trading related expenses. Stock exch. dues & f

  12. Slide 12: ROAE Stayed Healthy at 21.2%

    2Q26 COL INVESTOR PRESENTATION ROAE Stayed Healthy at 21.2% Selected Financial Ratios 1H25 1H26 ROAE stayed healthy at 21.2%. Operating Profit Margin 58.6% 57.6% Although asset turnover increased, this was offset by the EBITDA Margin 62.2% 61.3% slight drop in margins. Net Margin 46.2% 45.1% Asset T

  13. Slide 13: Rank Maintained at Number 8

    2Q26 COL INVESTOR PRESENTATION Rank Maintained at Number 8 Comparative Performance (COL vs. PSE) Change 1H25 1H26 Amount % COL’s average daily turnover increased by 21.8% to Php792.7 PSE Ave. daily T/O (Php Mil) 6,800.6 7,721.2 920.6 13.5% Mil, faster than the 13.5% improvement in the PSE’s value tu

  14. Slide 14: Still Among the Biggest Philippine Based Stockbrokers

    2Q26 COL INVESTOR PRESENTATION Value T/O Still Among the Biggest Rank Broker Name (PhpBil) % of Total 1 UBS Securities Philippines Inc 238.5 12.9 Philippine Based 2 CLSA Philippines Inc 154.0 8.3 Stockbrokers 3 Macquarie Capital Securities (Philippines), Inc 109.5 5.9 4 SB Equities, Inc 99.5 5.4 5 B

  15. Slide 15: Strong Balance Sheet

    2Q26 COL INVESTOR PRESENTATION Strong Balance Sheet Balance Sheet (Php Million) COL’s balance sheet remained strong with ample cash and no interest- Change bearing debts. 12/31/25 6/30/26 Amount % Cash & cash equivalents 9,182.2 6,086.9 -3,095.3 -33.7% Cash & cash equivalents were down by 33.7% to P

  16. Slide 16: Customer Base Up Y/Y

    2Q26 COL INVESTOR PRESENTATION Client Base Customer Base Up +2.1% Y/Y 561,378 556,446 550,037 539,996 COL’s client base grew by 2.1% Y/Y to 561,378 as of end 521,052 1H26. 503,145 Average monthly additions reached 945 during the past 12 months, although it fell to 835 during the second 489,154 quart

  17. Slide 17: Client Equity Down due to Market Weakness

    2Q26 COL INVESTOR PRESENTATION Client Equity (Php Mil) Client Equity Down -1.9% 124,051 due to Market Weakness 123,059 121,653 117,224 Client equity was down 1.9% Y/Y to Php121.6 Bil. 112,556 Net asset inflows from retail clients amounted to Php4.7 Bil during the past twelve months, but client equit

  18. Slide 18: Margin Loans Down

    2Q26 COL INVESTOR PRESENTATION Ave Daily Margin Loans (Php Mil) -15.6% Margin Loans Down 958 953 930 805 Average daily margin loans fell by 15.6% to Php805 Mil 774 759 719 Y/Y. The number of approved margin accounts fell slightly from 1,081 to 1,063. However, the number of accounts utilizing margin

  19. Slide 19: MF Net Sales Largely Driven by Feeder Funds

    2Q26 COL INVESTOR PRESENTATION MF Net Sales Largely Driven by Feeder Funds 1H26 MF Net Sales (Php Mil) COL’s MF distribution business generated net sales of Php985 Mil in 1H26 Fund Type largely due to the popularity of global feeder funds. Money Market -31 All domestic mutual funds suffered from net

  20. Slide 20: Global AUA Now at 46% of Total AUA

    2Q26 COL INVESTOR PRESENTATION Global AUA Now at 46% of Total AUA

  21. Slide 21: Fund Clients Up 5.7% Y/Y

    2Q26 COL INVESTOR PRESENTATION Fund Clients Up 5.7% Y/Y +5.7% 71,488 69,583 67,662 65,884 64,731 64,266 62273 2021 2022 2023 2024 2025 1H25 1H26

  22. Slide 22: Fund AUA Posted Strong Growth Despite Industry-Wide Decline

    2Q26 COL INVESTOR PRESENTATION Fund AUA Posted StrongGrowth DespiteIndustry-Wide Decline AUA vs Industry (Php Mil) 1H25 AUA 1H26 AUA % Change Fund Source 6,024 7,780 29.2% FS (non-MM) 5,315 7,070 33.0% BPI (MF) 117,604 123,176 +4.7% ATRAM 8,702 8,604 -1.1% CMI 702 534 -23.9% ATR FAMI 9,131 7,741 -15

  23. Slide 23: Growing Number, but Lower Percentage of Clients Own MFs

    23 Growing Number, but Lower Percentage of Clients Own MFs 2Q26 COL INVESTOR PRESENTATION MF Investors % of Total Clients 70,000.0 16.0% 14.3% 13.9% 13.8% 13.5% 13.5% 13.2% 13.1% 12.8% 14.0% 12.5% 12.4% 60,000.0 12.3% 12.0% 11.6% 11.1% 12.0% 10.4% 50,000.0 9.9% 9.5% 10.0% 8.9% 8.5% 40,000.0 7.5% 8.0

  24. Slide 24: Disclaimer

    2Q26 COL INVESTOR PRESENTATION DISCLAIMER This presentation was prepared solely and exclusively for discussion purposes. This presentation and/or any part thereof may not be reproduced, disclosed or used without the prior written consent of COL Financial (the “Company”). This presentation, as well a

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