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Investor Presentaiton

21 Pbn Stable NPLs and ample reserves give room to lower provisions. Est. Credit Cost (bps) 70 Easing credit costs 293 Cumulative Total Allowance 20 10 2019 92 Provisions for Credit 50 48 41 2020 12 2021 Note: Estimated credit cost = Annualized Provisions for Credit/Ave. Gross Loans & Receivables 103% 2019 Hefty provision cover 175% 163% 2020 2021 PRIVATE AND PROPRIETARY 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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