Investor Presentaiton

23 23 Asset quality still much better than industry Stable restructured loans ratio, but still sub 1% -Ratio to Gross Loans Industry Restructured Loans Ratio 3.1% 1.9% 0.4% 0.8% 0.2% 0.4% Pbn PRIVATE AND PROPRIETARY Combined NPLs/Restructured still below Industry NPL Ratio Industry NPL Ratio -Combined NPL + Restructured Loans as Ratio to Gross Loans 2.0% 9.6 4.6 2.4 1.3% 2019 2020 Note: Gross loans net of Unearned Interest and Discount (UID) Industry Data refers to Philippine Banking Sector data from the BSP 2021 4.0% 3.6% 2.6% 2.7% 2019 2020 2021 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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