Summary of PLDT Inc. Q4 2021 Earnings Conference Call Company Overview - **Company**: PLDT Inc. (NYSE:PHI) - **Date of Call**: March 3, 2022 - **Key Participants**: - Alfredo Panlilio - President and CEO - Anabelle Chua - CFO and Chief Risk Management Officer - Shailesh Baidwan - President, Voyager Innovations, Inc. - Other members of the management team Financial Performance Highlights - **Record Revenues**: PLDT achieved PHP182.1 billion in revenues for 2021, a growth of 6% from 2020, with an increase of PHP10.6 billion [3][4] - **EBITDA**: Reached an all-time high of PHP96.2 billion, an 8% growth year-on-year, with EBITDA margins at 52% [3][25] - **Core Net Income**: Ended at PHP30.2 billion, exceeding guidance of PHP30 billion, representing an 8% growth [4][26] - **Segment Performance**: - **Home Business**: Grew by 24% to PHP47.8 billion, with fiber revenues increasing by 82% [4][17] - **Individual Segment**: Flat at PHP86.2 billion despite challenges [4][17] - **Enterprise Segment**: Grew by 3% to PHP48.0 billion [4][17] Subscriber Growth and Market Dynamics - **Fiber Subscribers**: Added 1.13 million new fiber subscribers, totaling 3 million, a 27% increase [5][20] - **5G Subscribers**: Reached 1 million, with plans to push further adoption [5][20] - **Market Penetration**: Overall broadband penetration in the Philippines is still low at around 20%, indicating strong future demand [20] Strategic Initiatives and Future Outlook - **Sustainability Goals**: Aiming for a 40% reduction in Scope 1 and Scope 2 emissions by 2030 [6] - **Installation Targets**: Aiming for 4,000 installations per day in the Home business [9] - **2022 Revenue Growth**: Expected mid-single-digit growth overall, with broadband anticipated to see double-digit growth [41] - **CapEx Guidance**: Reduced to PHP76 billion to PHP80 billion for 2022, down from PHP89 billion in 2021 [41] Impact of Typhoon Odette - Estimated impact of PHP1 billion due to revenue loss and repair costs from Typhoon Odette [27] Dividend and Financial Health - **Dividends**: Final cash dividend of PHP42 per share, totaling PHP84 for the year, up from PHP17 the previous year [29] - **Debt Management**: Ended 2021 with a net debt of USD 4.5 billion, aiming to reduce the net debt to EBITDA ratio closer to 2x [30] Voyager Innovations and Digital Banking - **Maya Bank Launch**: Targeting to launch Maya Bank by the end of March 2022, expanding financial services [36][39] - **User Base**: Expanded to 44 million registered users, with a focus on providing a full suite of financial services [35][36] Key Risks and Challenges - **Competition**: Monitoring competition from new entrants and existing players, with a focus on maintaining customer value [55] - **ARPU Pressure**: Anticipating some pressure on Average Revenue Per User (ARPU) due to market competition [56] Conclusion - PLDT Inc. demonstrated strong financial performance in 2021, with significant growth in key segments and a focus on sustainability and digital transformation. The company is well-positioned for future growth, particularly in broadband and enterprise services, while navigating challenges from competition and external factors like natural disasters.

Full Year 2021 Financial and Operating Highlights 3 rd March 2022 2021 Performance Highlights | --- | --- | --- | |----------|------------------------------|-----------------------------| | | NET SERVICE REVENUES* | CORE NET INCOME | | Record- | | | | | | | | breaking | 182.1B | 30.2B | | revenues | | | | | vs YAGO's 171.5B +10.6B, +6% | vs YAGO's 28.1B, +2.1B, +8% | HOME 47.8B vs YAGO's 38.5B +9.3B, +24% INDIVIDUAL 86.2B vs YAGO's 86.2B ENTERPRISE BUSINESS^ 48.0B vs YAGO's 46.7B +1.3B, +3% *Total Net Servi ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 OF THE SECURITIES EXCHANGE ACT OF 1934 March 3, 2022 PLDT INC. (Translation of registrant's name into English) Ramon Cojuangco Building Makati Avenue, Makati City Philippines (Address of registrant's principal executive office) Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F. Form 20-F ☒ Form 40-F ☐ Indi ...

Financial Data and Key Metrics Changes - For Q3 2021, PLDT reported a net service revenue of PHP46 billion, an increase of PHP2.3 billion or 5% year-on-year, marking an all-time high for the quarter [3][4] - Adjusted EBITDA reached PHP24.5 billion for Q3 2021, up PHP1.7 billion or 8% from the same period last year, maintaining a margin of 51% [3][4][28] - For the first nine months, Telco Core income was PHP23.1 billion, reflecting a growth of PHP2.1 billion or 10% compared to the previous year [4][17] Business Line Data and Key Metrics Changes - The Home business saw a revenue increase of 25% year-to-date, with fiber-only revenue growing by 17% year-on-year [5][22] - The Enterprise segment achieved a record high revenue of PHP10.7 billion in Q3, driven by ICT business, cloud, and colocation revenues, which increased by 26% [7][14] - Wireless revenue faced challenges due to lockdowns, but data revenue grew by 14% year-on-year, accounting for 76% of total service revenues [15][21] Market Data and Key Metrics Changes - PLDT's fiber network expanded to 615,000 kilometers, a 17% increase from June, with homes passed reaching 12.7 million, covering about 50% of total households in the Philippines [9][10] - The company reported 40 million data users by the end of September, with an average data usage of 7.9 GB per month [21] - The mobile data traffic increased by 16% year-on-year, driven by strong LTE adoption and early 5G adoption [21] Company Strategy and Development Direction - PLDT aims to build a digital ecosystem, integrating its services with PayMaya and Maya Bank to enhance financial inclusion [11][12] - The company is focusing on expanding its fiber network and improving customer experience through enhanced connectivity and service offerings [8][10] - PLDT is planning to launch Maya Bank in early 2022, targeting 1 million customers for deposit and loan services [59][49] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the recovery of mobile revenues with the easing of lockdowns, noting an uplift in top-ups and postpaid activations [58] - The company anticipates strong demand for home broadband services to continue, even as mobility increases [23] - Management affirmed the full-year guidance of PHP30 billion for Telco Core income and PHP96 billion for EBITDA, indicating a growth of over 10% [51] Other Important Information - PLDT's net debt stood at approximately $4.5 billion, with a net debt-to-EBITDA ratio of 2.4x [31] - The company plans to spend PHP88 billion on CapEx for the year, focusing on network and IT investments [32] - PLDT's PayMaya valuation is estimated at around $1 billion, with significant growth expected following the acquisition of a digital bank license [55] Q&A Session Summary Question: Can you provide any color on how mobile revenues have trended on a monthly basis in July, August, and September? - Management noted a slight uplift in top-ups due to increased mobility, with more postpaid activations as malls reopened [58] Question: Are there any targets on the digital bank front that can be disclosed? - The target is to launch Maya Bank in early 2022, aiming for 1 million customers for deposit and loan services [59] Question: What is the dollar amount of expected GTV for PayMaya in 2020? - Management refrained from sharing specific numbers but indicated a growth trajectory of 50% over the previous year [61] Question: What is PLDT's stake in PayMaya? - PLDT holds a 38.5% stake in PayMaya [63] Question: Is the group looking at Starlink or low satellite as an option to enhance the data network? - Management confirmed ongoing discussions with various satellite companies, including Starlink, for potential solutions in underserved areas [64][65] Question: Does the company have a target date to complete the migration from copper to fiber? - The completion of the copper to fiber migration is anticipated in the first quarter of 2022 [66] Question: What is your outlook for CapEx for next year? - Management is still undergoing the budget process and will provide figures in December [73] Question: How much larger can the Home broadband margin be? - Management indicated significant growth potential for fixed broadband penetration in the Philippines, which is currently low compared to other ASEAN markets [68]

PLDT, Inc. (NYSE:PHI) Q2 2021 Earnings Conference Call August 5, 2021 3:30 AM ET Company Participants Melissa Dios - IR Manuel Pangilinan - Chairman Al Panlilio - President and CEO Anabelle Chua - Chief Financial Officer and Chief Risk Officer Jeremiah Dela Cruz - Consumer Home Business Advisor Juan Hernandez - Senior VP and Head of Enterprise Business Orlando Vea - Member of Advisory Committee Melissa Dios Good afternoon, and thank you for joining us today to discuss the company's financial and operating r ...

APLDT 1H2021 Financial and Operating Results 5th August 2021 1H 2021 PERFORMANCE F I N A N C I A L H I G H L I G H T S 2 TELCO CORE INCOMEP1.3B INCOME GROWTH 10% YOY GROWTH | --- | --- | --- | |------------------------------------|------------------------------------|----------------------------| | NET SERVICE REVENUE | EXPENSES (ex-MRP) | ADJUSTED EBITDA (ex-MRP) | | | | 46.6B | | 89.9B vs YAGO's 82.8B +7.0B, +8.5% | 43.3B vs YAGO's 39.6B +3.6B, +9% | vs YAGO's 43.2B +3.4B, +8% | 1H 2021 KEY PERFORMANCE DR ...

PLDT, Inc. (NYSE:PHI) Q1 2021 Earnings Conference Call May 6, 2021 3:30 AM ET Company Participants Melissa Dios – First Vice President and Head of Investor Relations Manny Pangilinan – Chairman and Chief Executive Officer Al Panlilio – Chief Revenue Officer and President of Smart Communications Anabelle Lim Chua – Chief Finance Officer Jeremiah Dela Cruz – Senior Vice President and Head of Enterprise Jane Basas – Senior Vice President and Head of Consumer Wireless Business Paolo Lopez – Vice President Confe ...

Washington, DC 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 – For the fiscal year ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 – For the transition period from _________ to _________ OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 1 ...

PLDT, Inc. (NYSE:PHI) Q4 2020 Earnings Conference Call March 4, 2021 3:00 PM ET Company Participants Melissa Dios - First VP & Head, IR Alfredo Panlilio - EVP & Chief Revenue Officer Anabelle Lim Chua - SVP, CFO & Chief Risk Management Officer Manny Pangilinan - Chairman, President & CEO Jane Basas - SVP & Head, Consumer Wireless Business, Smart Communications, Inc. Joachim Horn - Chief Technology & Information Advisor Conference Call Participants Melissa Dios [Abrupt Start]. A copy of today's presentation ...

PLDT, Inc. (NYSE:PHI) Q3 2020 Earnings Conference Call November 5, 2020 2:00 AM ET Company Participants Melissa Dios - First VP, Head of IR Manny Pangilinan - Chairman Alfredo Panlilio - CRO Anabelle Chua - CFO Ray Espinosa - SA to the President Conference Call Participants Melissa Dios Good afternoon, and thank you for joining us today to discuss the company's financial and operating results for the nine months of 2020. A copy of today's presentation is posted on our website. For those who've been able to ...