Investor Presentaiton

Banking Industry: Loan recovery amid improving NPLs Recovery in loan growth continues, asset quality improves PRIVATE AND PROPRIETARY Deposit growth sustained amid ample market liquidity Loan growth 20% 16% 17% 19% 14% 16% 11% -0.7% Deposit growth CASA growth 31% 34% 5% 3% 12% 13% 16% 18% 15% 15% 14% 12% 10% 8% 8% 12% 14% 8% 12% 9% 9% 10% 8% 8% 9% 9% -2% -4% 2013 2014 2015 2016 2017 2018 2019 2020 1Q21 1H21 9M21 2021 2013 2014 2015 2016 2017 2018 2019 2020 1Q21 1H21 9M21 2021 -O-NPL cover Asset quality --NPL ratio Estimated excess liquidity (Php) * Max: May 2021 2.4tn tn 144% 142% 141% 145% 150% 4.0% 4.0% 131% 3.7% 3.6% 109% 3.1% Average: 1.1 tn wwww Current: 2.2 tn 104% 90% 88% 89% 93% 2.1% 1.8% 1.6% 1.4% 1.2% 1.3% 1.6% 2013 2014 2015 2016 2017 2018 2019 2020 1Q21 1H21 9M21 2021 Source: BSP Universal and Commercial Bank (UKB) data Min: May 2019 131 bn Sep-17 Jan-18 May-18 Sep-18 Jan-19 May-19 Sep-19 Jan-20 May-20 Sep-20 *Note: Excess Liquidity = Reverse Repurchase Facility + ODF + TDF + BSP Bills - © Metropolitan Bank & Trust Company | Investor Relations | February 2022 | MBT Company Presentation 9 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. Jan-21 May-21 Sep-21 Jan-22 - Rediscounting - OLF Metrobank You're in good hands

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