Investor Presentaiton

Metrobank Financial Highlights in Php Billion in Php Billion 50.2 13.7 36.5 Operating Income 1H 2019 13.0 65.7 21.2 44.5 1H 2020 Net Income ATP +31% Net Int. Income +22% Non-Interest Income +55% Metrobank You're in good hands GT GT CAPITAL HOLDINGS INC9229RATER ■ Net Interest Income +22% (68% of Operating Income) NIMs from 3.84% to 4.24% Loan portfolio -5% to Php1.33T vs. Industry +9.7% - Total Deposits +5% to Php1.70T, CASA +20% ■ Non-Interest income +55% - Trading and FX gains 3.6x to Php13.1B Service fees & commissions -16% to Php5.5B ■ Provisions for credit and impairment losses 5x to Php22.8B NPL ratio 1.6% vs. Industry 2.1% -30% 9.1 - 1H 2019 1H 2020 - NPL coverage from 87.0% to 188.0% ■ Increase in OPEX +7% from Php27.8B to Php29.6B Manpower +7% Cost to Income Ratio from 55.7% to 45.0% | 26

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