Investor Presentaiton

35 PRIVATE AND PROPRIETARY SUMMARY Metrobank sustained strong earnings growth in 2021. Proactive NPL management has enabled the Bank to lower provisions. We will continue with our prudent risk management strategy even as asset quality continues to improve. The Bank saw healthy growth in fees and other income, while operating expense was controlled. The pick-up in loan demand and stabilizing margins bode well for NII recovery. Our digitization efforts are at the forefront of our medium term initiatives to attain best in class client service and engagement in an efficient manner. High capital ratios ensure substantial buffers for potential risks and puts Metrobank in a strong position to seek opportunities and support client needs as the economy recovers. We will continue to monitor economic conditions and implement strategies that will balance growth and improve returns on a sustainable basis. © Metropolitan Bank & Trust Company | Investor Relations | February 2022 | MBT Company Presentation This material was produced by Metrobank for information purposes only and is intended to be used in presentations by the Bank at investor meetings and does not constitute a recommendation regarding the securities of the Bank or any of its affiliates. It must not be released to other parties in whatever form without prior consent of the authors. Metrobank You're in good hands

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