Investor Presentaiton

2022 Outlook - Positives and Challenges Ahead + • • Sustained pick-up in loans as economy recovers NIM recovery on prospects of rising benchmark rates/yields higher NIMS Continued recovery in fee income from higher transaction volumes and cross-selling initiatives Cost management to sustain single-digit Opex growth on continued efforts to improve efficiencies Delay in economic recovery due to threat of new lockdowns and global market developments could stall loan recovery. • Potential rating downgrade from credit rating agencies • Impending change in Administration may delay government infrastructure spending/ pandemic response/key legislative agenda. . Flexibility to trim credit costs should NPL formation continue to remain manageable • Rising yields to cap trading income Strong capital and liquidity position support initiatives to take advantage of market opportunities PRIVATE AND PROPRIETARY © Metropolitan Bank & Trust Company | Investor Relations | February 2022 | MBT Company Presentation 29 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

View entire presentation