S T A Y I N G A H E A D OF THE C URV E - 8990 Holdings

STAYING AHEAD OF THE CURVE2015 Annual Report

2 | 8990 Holdings, Inc. Annual Report 20152 | 8990 Holdings, Inc. Annual Report 2015

“More than building houses, our business is really about adding value, transforming people’s lives: that of our customers, employees, sellers, suppliers and contractors, and now, the people who invest in us.”

Over 85 years of Combined ExpertiseThree Partners, One Vision

8990 Holdings, Inc. Annual Report 2015 | 38990 Holdings, Inc. Annual Report 2015 | 3

OPERAT IONALHIGHLIGHTS

ongoing projects

employees branches mass housing developer in the Philippines

128990By The

Numbers

16

39

285 7 No. 1

42,884 PHP 19B

years of corporate existence completed projects

constructed housing units outstanding receivables


Total Revenuesin PHP billion

Gross Profitin PHP billion

Net Marginafter tax

Total Salesin number of units

Net Incomeafter tax, in PHP billion

Current Ratio Total Assetsin PHP billion

Retained Earnings in PHP million

Total Equityin PHP billion

Return on Equity CollectionEfficiency

Total Receivablesin PHP billion

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F INANCIALHIGHLIGHTS

Sustaining Growth in Shareholder Value


Staying Ahead of the Curve2015 was another banner year for 8990 Holdings. Our contract to sell (CTS) receivables reached P19 billion with more than 20,000 accounts, while our CTS portfolio yielded P1.2 billion in recurring income this year, representing a 34% jump from 2014. Building on our core business performance, net earnings have grown almost 50-fold over the past 12 years, and more than 250% in the last three. In 2015, our total assets soared by a third to P36 billion, mainly due to new land purchases and in-house financing receivables.

A significant milestone was our agreement with Ayala-owned BPI in the fourth quarter, under which its retail banking subsidiary, BPI Family Bank, purchased P1.0 billion worth of 8990’s CTS receivables. This paved the way for the creation of alternative housing finance in the private sector not only for 8990 Holdings but also for the entire mass housing sector, with other banks and financial institutions joining the fray.

We signed a landmark deal with Manila Electric Co. (Meralco) for the mass roll-out of prepaid electricity in our horizontal and vertical projects. Prepaid power will soon be available in our first high-rise development, Urban Deca Tower EDSA, now rising along Metro Manila’s main thoroughfare. As the first prepaid Meralco-powered condominium in the Philippines, this “halfway house” provides a solution to address the transport congestion problem as well as the decreasing quality of life in the National Capital Region.

Our cornerstone investors, Khazanah Nasional Berhad of Malaysia and TPG Capital of the United States, continue to participate in the Philippine economic growth story. We also forged new partnerships with Megawide (construction and engineering services), ITECH-RAR (fiber-to-the-home solutions), CHAIRS (housing research), and OSHDP (socialized housing development).

Considered the country’s first truly nationwide mass housing developer, 8990 pioneered the low equity, low down payment terms and other market innovations that have enabled us to stay ahead of the curve. We aim to maintain our leadership

position in the housing industry by innovating, trailblazing, and setting the example for other developers to emulate.

Together with our management team and corporate workforce, we thank our shareholders and Board of Directors for keeping the faith in our mission of “Housing the Filipino People.”

JANUARIO JESUS GREGORIO B. ATENCIO IIIPRESIDEnT AnD CEO

6 | 8990 Holdings, Inc. Annual Report 2015

Projects for Launch in 2016

Project Type Location TotalUnits

Units to be Delivered for 2016

Value (in M Php)

DH Marilao Horizontal Bulacan 6,378 320 288

Urban DH Hampton MRB Cavite 1,988 528 581

Urban DH Mahogany MRB Cavite 546 400 440

DH Sta. Barbara Horizontal Iloilo 10,189 280 126

DH Pavia RR 2 Horizontal Iloilo 2,967 706 692

DH Baywalk Talisay 3 Horizontal Cebu 730 570 533

Urban DH Hernan Cortez MRB Cebu 1,596 440 550

DH Mactan 6 Horizontal Cebu 8,537 280 274

Urban D Tisa MRB Cebu 2,867 400 440

DH Toril Horizontal Davao 6,800 80 76

DH Mulig 1 Horizontal Davao 7,005 280 128

DH San Lorenzo Horizontal Davao 3,749 520 510

Urban DH Manila MRB Manila 13,212 2,112 2,513

DH Bacolod South Horizontal Bacolod 9,044 160 136

Total 75,608 7,076 7,287

In 2016, 8990 will start 14 new projects, adding 75,608 units to the inventory.

OUR PROJECTS

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Mindanao DECA HOMES TORILToril, Davao CityTotal No. of Units: 6,273Date to Finish: Dec 2019

DECA HOMES MULIGToril, Davao CityTotal No. of Units: 6,804Date to Finish: Dec 2019

DECA HOMES SAN LORENZOBuhangin, Davao CityTotal No. of Units: 2,853Date to Finish: Jun 2018

8990 Holdings, Inc. Annual Report 2015 | 7


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Visayas

URBAN DECA HOMES H. CORTESMandaue City, CebuTotal No. of Units: 1,432 Date to Finish: Jan 2018

URBAN DECA HOMES MACTANLapu-Lapu City, CebuTotal No. of Units: 7,084 Date to Finish: Jan 2024

DECA HOMES MACTAN 6Lapu-Lapu City, CebuTotal No. of Units: 3,446Date to Finish: Jan 2024


OUR PROJECTS

Visayas

DECA HOMES PAVIA RESORT AND RESIDENCES 2Pavia, IloiloTotal No. of Units: 2,982 Date to Finish: Feb 2018

DECA HOMES SANTA BARBARASanta Barbara, IloiloTotal No. of Units: 10,262 Date to Finish: Jun 2018

DECA HOMES BACOLOD SOUTHBacolod City, Negros OccidentalTotal No. of Units: 9,044Date to Finish: TBA

DECA HOMES BAYWALK TALISAY 3Talisay City, CebuTotal No. of Units: 729Date to Finish: Sep 2016

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Luzon

URBAN DECA HOMES MANILATondo, Metro ManilaTotal No. of Units: 13,212Date to Finish: Dec 2019

DECA HOMES MARILAOMarilao, BulacanTotal No. of Units: 6,378Date to Finish: TBA

URBAN DECA HOMES HAMPTONImus City, CaviteTotal No. of Units: 6,378Date to Finish: TBA

URBAN DECA HOMES MAHOGANYImus City, CaviteTotal No. of Units: 546Date to Finish: TBA



Ongoing Projects

Project Type Location TotalUnits

Units to be

Delivered for 2016

Value (in M Php)

DCRR (Socialized) Horizontal Angeles 1,359 29 18

DCRR (Economic) Horizontal Angeles 3,145 1,502 1,352

DCRR (SA) Horizontal Angeles 328 42 55

DH Tanza Horizontal Cavite 632 240 114

Urban DH Campville MRB Muntinlupa 1,068 536 687

DH Pavia RR Horizontal Iloilo 2,125 644 631

Urban DH Tisa 1 MRB Cebu 936 269 296

DH Indangan Horizontal Davao 2,840 547 602

DH Catalunan Horizontal Davao 720 360 396

DH GenSan (Socialized) Horizontal Gen. Santos 2,531 960 442

DH GenSan (Economic) Horizontal Gen. Santos 249 249 212

Total 15,953 5,377 4,815

Eleven ongoing projects will provide an additional 5,377 units nationwide, with a value of P4.8 Billion.

Both new and ongoing projects will provide a total of 12,453 housing units and a gross value of P12.0 Billion for 2016.

OUR PROJECTS

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Mindanao

DECA HOMES GENSAN 1General Santos City, South CotabatoTotal No. of Units: 2,778Percent Completion: 26%Date to Finish: May 2016


Ongoing Projects

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Mindanao

DECA HOMES INDANGANBuhangin, Davao CityTotal No. of Units: 3,239Percent Completion: 79%Date to Finish: Sep 2016

Mindanao

DECA HOMES CATALUNAN GRANDETalomo, Davao CityPercent Completion: 26%Date to Finish: May 2016


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DECA HOMES PAVIA RESORT AND RESIDENCESPavia, IloiloTotal No. of Units: 2,125Percent Completion: 44%Date to Finish: Jun 2016

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URBAN DECA HOMES TISALabangon, CebuTotal No. of Units: 976Percent Completion: 63%Date to Finish: June 2016

Ongoing Projects

OUR PROJECTS


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South Luzon

DECA HOMES BELLAVISTAGeneral Trias, CaviteTotal No. of Units: 3,881Percent Completion: 92%Date to Finish: March 2016

South Luzon

DECA HOMES TANZATanza, CaviteTotal No. of Units: 632Percent Completion: 73%Date to Finish: Mar 2016

Ongoing Projects


Ongoing Projects

OUR PROJECTS

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North Luzon

DECA CLARK RESORT AND RESIDENCES Angeles City, PampangaTotal No. of Units: 5,237Percent Completion: 59%Date to Finish: Dec 2016

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NCR

URBAN DECA HOMES CAMPVILLEMuntinlupa City, Metro ManilaTotal No. of Units: 1,024Percent Completion: 31%Date to Finish: Mar 2017


Ongoing Projects

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URBAN DECA TOWER - EDSAMandaluyong City, Metro ManilaTotal No. of Units: 1,148Percent Completion: 36%Date to Finish: Sep 2017Project Status: 65.81 days ahead


ANGELES BRANCH4,486 Units Delivered 2 Subdivisions Made Responsible of 15% of Revenue 30 branch Personnel 14.7 ha. has in Land Bank 2 Ongoing Projects

METRO MANILA BRANCH316 Units Delivered 50 branch Personnel 71.93 ha. has in Land Bank 4 Ongoing Projects

ILOILO BRANCH2,792 Units Delivered 2 subdivisions Made Responsible of 14% of Revenue 33 branch Personnel 191.37 ha. has in Land Bank 1 Ongoing Project

SOON TO OPEN: BACOLOD BRANCH

GENERAL SANTOS BRANCH280 Units Delivered Responsible of 1% of Revenue 2 branch Personnel 1 Ongoing Projects

8990 Holdings:We’re Building a DECA Nation

OUR PROJECTS


SOON TO OPEN: BACOLOD BRANCH

SOON TO OPEN: MARILAO BRANCH

CAVITE BRANCH4,396 Units Delivered 5 subdivisions Made Responsible of 32% of Revenue 27 branch Personnel 5.2 ha. has in Land Bank 2 Ongoing Projects

CEBU BRANCH16,302 Units Delivered 15 subdivisions Made Responsible of 14% of Revenue 82 branch Personnel 42.73 ha. has in Land Bank 2 On going Projects DAVAO BRANCH

12,867 Units Delivered 10 subdivisions Made Responsible of 24% of Revenue 62 branch Personnel 173.61 ha. has in Land Bank 4 Ongoing Projects


OUR PARTNERS

Business and Industry

center for housing and independent research synergies


Cornerstone Investors

Banks


To fully comply with the leading practices in good governance, our Board of Directors establishes the vision, strategic objectives, key policies, processes and procedures for the Management of 8990 Holdings Inc., as well as the mechanism for monitoring and evaluation of Management’s performance.

The Company submitted its Manual on Corporate Governance to the Philippine Securities and Exchange Commission (SEC) on October 18, 2010 in compliance with SEC Memorandum Circular No. 6, series of 2009. The Company’s directors, officers, and employees have complied with the best practices and principles on good corporate governance as embodied in its Corporate Governance Manual, which requires the Company to have at least two independent directors in the Board of Directors.

As part of its system for monitoring and assessing compliance with the Manual and the SEC Code of Corporate Governance, each committee is required to report regularly to the Board of Directors, and the Manual is subject to quarterly review. The Compliance Officer, who is appointed by the Board and reports directly to the Chairman of the Board, is responsible for determining and measuring compliance with the Manual and the SEC Code of Corporate Governance.

In its belief that the essence of corporate governance is transparency, the Company ensures that all material information which could adversely affect its viability or the interests of its shareholders be publicly and timely disclosed. In addition to the compliance with periodic and structural reportorial requirements, the Company ensures that all material information such as earnings results, acquisition or disposition of assets, off-balance sheet transactions, related party transactions, and direct and indirect remuneration of members of the Board and Management are timely disclosed to the SEC as well as to the Philippine Stock Exchange (PSE) and the public through appropriate PSE mechanism and submissions to the SEC. The Company likewise updates the public through its Website which is updated on a regular basis.

At least one of the independent directors serves on the Governance Committee, the Nomination Committee, and the Audit and Risk Management Committee. The Board created and appointed Board members to each of the committees set forth below. Each member of the respective committees named below holds office as of the date of this report and will serve until his or her successor is elected and qualified.

CORPORATECIT IZENSHIP

Our Corporate Governance PracticesEXECUTIVE COMMITTEEMariano D. Martinez, Jr.Luis N. Yu, Jr.Januario Jesus B. Atencio IIIRichard L. Haosen

AUDIT AND RISK MANAGEMENTCOMMITTEEArlene C. Keh – ChairmanLuis N. Yu, Jr.Mariano D. Martinez, Jr.Ben Chan Wei BengDominic J. Picone

NOMINATION ANDCOMPENSATION COMMITTEEWillibaldo J. Uy – ChairmanDominic J. PiconeJanuario Jesus B. Atencio III

GOVERNANCE COMMITTEEWillibaldo J. Uy – ChairmanBen Chan Wei BengJanuario Jesus B. Atencio III


Our Corporate Social Responsibility InitiativesIn 2015, we partnered with the Department of Education (DepEd) for various projects such as the feeding program at Pilar Rodriguez Elementary School in Davao City; the Brigada Eskwela program at Pavia national High School in Iloilo; and the donate-a-school-bag project at Barangay Margot, Angeles City.

Inset on the left shows the citation given to 8990 by DepEd Secretary Br. Armin Luisto, FSC.


OUR TE AM

MindanaoDAVAO BRANCH

GENSAN BRANCH


VisayasCEBU BRANCH

ILOILO BRANCH


OUR TE AM

LuzonNORTH LUZON BRANCH

SOUTH LUZON BRANCH


Metro Manila

NCR BRANCH/MAKATI OFFICE/MANDALUYONG OFFICE


OUR TE AM

Board of Directors

LUIS N. YU JR.Director and Chairman Emeritus

WILLIBALDO J. UYChief Operating Officer

ANTHONY VINCENT S. SOTTODirector

MANUEL C. CRISOSTOMOIndependent Director

RICHARD L. HAOSENDirector

MARIANO D. MARTINEZ JR.Chairman of the Board

JANUARIO JESUS GREGORIO B. ATENCIO IIIPresident and CEO

ARLENE C. KEHIndependent Director

IAN NORMAN E. DATODirector

LOWELL L. YUDirector

MANUEL DELFIN JR.Director

RAUL FORTUNATO R. ROCHADirector

BEN CHAN WEI BENGDirector

DOMINIC J. PICONEDirector


Board of Directors

Corporate ExecutivesGENERAL MANAGERS

GM - Visayas MARIA RHENA M. CACERES GM - Mindanao MARY ANN T. CHUA GM - Treasury RICHARD L. HAOSEN GM - Construction and Engineering ALEXANDER ACE S. SOTTO GM - Operations ANTHONY VINCENT S. SOTTO GM - Sales, NCR DENNIS D. LIM Acting Chief Finance Officer ROAN B. TORREGOZA

ASSISTANT GENERAL MANAGERS AGM - Management Information System ANTONIO I D. BALLERAS AGM - Planning PEDRITO A. CASTANIAGA AGM - Operations, North Luzon NICOLAS S. CRUZ III AGM - Operations, Davao JULIET B. DOMINGO AGM- Construction and Engineering JAMES ARNOLD S. ESTAVILLA AGM - Accounting CAROLINE C. GARCIA AGM - Operations, Cebu ARIEL JOSE S. MERCADO AGM - Credit and Collection ADELMA B. RECAMARA AGM - Operations, Iloilo GLENN D. ROMANILLOS AGM - Operations, NCR & South Luzon MARIA ALELI T. VILLACORTE


BUSINESSPORTFOLIO

The 8990 Business Model

FAST PRE-CAST PANEL WALL CONSTRUCTION

ACCESSIBLE IN-HOUSE FINANCING

PROACTIVE CREDIT AND COLLECTION PLATFORM

EFFICIENT RESOURCE ALLOCATION8 days construction15,000 units capacity Economies of scaleLower materials costHigh quality of panelsIncreased site efficiency

REALITY-BASED RISK MANAGEMENT2-5 % equity9.5% interest25-year term, 30% GFIP35K gross family income

BEHAVIORAL ECONOMICSComprehensive and integratedEmphasis on behavior modification Required financial literacy seminar93% collection efficiency

!!!!!!!!!!!!!!!!

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Accessible In-House Financing

Proactive Credit and Collection

Platform

Fast Pre-Cast Panel

Wall Construction

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Efficient Resource Allocation

Reality Based Risk Management

Behavioral Economics

The 8990 Business Model Emphasis !!!!!!!!!!!!!!!!




Platform

Fast Pre-Cast Panel

Wall Construction






The 8990 Business Model Emphasis !!!!!!!!!!!!!!!!




Platform

Fast Pre-Cast Panel

Wall Construction






The 8990 Business Model Emphasis


Our Brands and Real Estate Offerings

Pre-cast solid housessold below USD 35,000.00 / unit

TownhousesSingle Attached Units35-120 sqm. Lots35-60 sqm. Houses

MRB Condo Units25 sqm.

High-rise Condo Units13 sqm.


BUSINESSPORTFOLIO

Our High Value Amenities

Basketball courts Lakes

Swimming pools Clubhouses Churches

Entrance gates Wakeboarding

Awards and Citations

Best Mid-Cap CompanyAsia’s Best Companies 2015

Most Number of Subdivision Units Licensed Under BP 220

Housing and Urban Development Council, 2013

Top 10 Developers 2015 PhilippinesBCI Asia

No. 1 Top Developer Corporate-Widein terms of Take-Out Value

Pag-IBIG Fund, 2016

11th Floor, Liberty Center, 104 H.V. Dela Costa St.,

Salcedo Village, Makati City, Philippines 1200

Tel. (632) 478-9659 • Fax (632) 478-8987 •

[email protected] • www.8990holdings.com

11th Floor, Liberty Center, 104 H.V. Dela Costa St.,

Salcedo Village, Makati City, Philippines 1200

Tel. (632) 478-9659 • Fax (632) 478-8987 •

[email protected] • www.8990holdings.com

S T A Y I N G A H E A D OF THE C URV E - 8990 Holdings

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