Investor Presentaiton

Loan Portfolio Contraction in loan portfolio reflective of slowdown across industries Net Loans (Php Bn) Metrobank You're in good hands GT GT CAPITAL HOLDINGS INC9229T ATER Gross Loan Breakdown By Segment -5% 1,398 1,333 ■Commercial 24% 76% ■Consumer 25% +2% 75% -4% 1H 2019 1H 2020 FY 2019 Loan Portfolio by Industry 1H 2019 1H 2020 Consumer Loan Portfolio Breakdown ■Trade Auto 14% 18% Real Estate ■Manufacturing Home Flat 32% -6% 41% 6% 13% Households' own use Financial 6% 12% ■Transport and Storage 9% ■ Utilities Credit Cards 27% 9% Others +19% Based on BSP Reporting 27

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