Investor Presentaiton

PRIVATE AND PROPRIETARY Digital Transformation to Drive Business Transformation Building Blocks 2019-2023 Empowerment Enabling self-service, branch offload Engagement and Education Deeper engagement with existing customers, expanding into new markets, educating the market on finances Systems Upgrade (core banking, secured lending, ATM switch, trade and trust) NextGen IT Infra (APIs/reusable services & platforms, monitoring tools, internal cloud, capacity expansion) Enhanced security (MFA, biometrics, limits engine, fraud detection system, risk-based authentication) Business Process Reengineering (Application STP, RPA, branch of Tomorrow) Data & Insights (Business empowerment, offer personalization, fraud detection, AML monitoring) Single customer view and Segmentation CRM (Salesforce, Pega, personalization) People Upskilling & Enablement (Design thinking, agile org, KPI realignment, targeted talent acquisition). AVAILABLE TODAY Personal 1. MB Online 2. Mobile app 3. Earnest 4. MIA (Chatbot) 5. MSOA Affluent Wealth Manager Corporate MBOS FUTURE BUILDS 1. New and improved mobile app 2. Enhanced services for wealth 3. Cards application STP 4. Housing and auto loans digital application flows 5. Retail payments solutions 6. Digital self-service at the branches 7. Insurance STP, appointment setting © Metropolitan Bank & Trust Company | Investor Relations | February 2022 | MBT Company Presentation 33 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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