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Investor Presentaiton

Asset Quality Metrobank proactively beefed up provisions even as NPL formation remained benign NPLs' amount (Php Bn) Metrobank You're in good hands GT GT CAPITAL HOLDINGS INC 93707 ATER NPL Ratio² better than industry 21.0 1H 2019 19.3 FY 2019 +1% YoY 21.1 Provision and Credit Cost³ Provisions for Credit (Php Bn) MBT ■ UKB 2.09% (May 2020) 1.50%1.60% 1.60% 1.56% 1.30% 1H 2020 1H 2019 FY 2019 NPL Cover 1H 2020 188% Est. Credit Cost (bps) 342 66 68 22.8 103% 87% 10.1 4.6 1H 2019 FY 2019 1H 2020 1H 2019 FY 2019 1H 2020 (1) Non-Performing Loans; (2) Excludes interbank; (3) Estimated credit cost = Annualized Provisions for Credit / Loans & Receivables, net 28

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