Investor Presentaiton

18 Net interest margin staying steady Asset yields and funding costs stabilizing -Quarterly NIM Funding cost Asset yield Deposit cost -Loan yield Steady yields across loan segments 20.3% 19.5% 18.9% 繼 € Credit Cards PRIVATE AND PROPRIETARY 6.9% 6.4% 6.5% 6.0% 5.7% 5.8% 5.7% 5.5% 5.2% 13.4% 13.7% 13.4% 5.0% 12.8% 4.6% 11.8% 4.2% 3.9% 3.7% 3.7% 3.8% 4.4% Auto 8.7% 9.2% 9.2% 9.1% 9.1% 9.0% 8.9% 8.9% 4.1% 4.1% 3.7% 3.5% 3.4% 3.4% 3.4% Home 1.5% 1.3% 0.9% 0.7% 0.6% 0.6% 0.6% 0.5% Nito 1.0% 0.8% Corporate & Commercial 7.2% 7.1% 7.1% 4.8% 4.9% 4.5% 4.3% 4.0% 4.0% 4.0% 3.8% 7.8% 7.7% 7.1% 7.2% 7.2% 0.5% 0.4% 0.3% 0.3% 0.3% 0.3% 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 Notes: • NIM = Net Interest Income / Ave. Interest Earning Assets • Asset Yield = Annualized Gross Interest Income / Ave. Interest Earning Assets Notes: • Gross yield on loans net of Unearned Interest and Discount (UID) • Credit card rate cap took effect on Nov 2020, to be reviewed every 6 months • Loan Yield = Annualized Gross Interest Income from Loans / Ave. Net Loans • Funding Cost = Annualized Gross Interest Expense / Ave. Interest Bearing Liabilities Deposit Cost = Annualized Gross Deposit Expense / Ave. Deposits Metropolitan Bank & Trust Company | Investor Relations | February 2022 | MBT Company Presentation 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

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