GTBank Business and Financial Performance

2015 GTBank GTBank GTBank's Goals and plans for 2015 Solid Profitability and stable returns Quality Credits Best Practices Operating Cost Efficiency Retail Subsidiaries Continued commitment to RoEs above 25% Profits to be derived from higher yields, cost efficiency and subsidiaries NPL's below 5% Continue Best-In-Class risk management & focus on high quality assets Remain on the forefront of Industry best practices Strong risk management, corporate governance Remain the industry leader with cost-to-income below 45% Focus on retail deposits, technology and innovation to keep costs low Continue to grow retail franchise To sustainably lower cost of funding and improve margins Increase subsidiaries' contribution to PBT Focus on optimizing and ensuring all subsidiaries are P&L positive 22 22

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