PitchSend

Investor Presentaiton

Branches, Deposits, OPEX, and Efficiency Ratios Consolidated Branches • Slow down on opening of physical branches • Metrobank You're in good hands GT GT CAPITAL HOLDINGS INC 27707 ATER Cost-Income Ratio Revenue growth has consistently outpaced cost growth, leading to improved cost-income ratio 957 957 953 2017 2018 960 2019 1H 2020 56% 1H 2019 55% FY 2019 45% 1H 2020 • CASA Deposits per Branch (Php Bn) Deposits increased as customers prefer to stay liquid Operating Income growth consistently higher than OPEX Operating Income -Operating Expense 1.0 1.1 1.2 1H 2019 FY 2019 1H 2020 17% 15% 13% 11% 11% 10% 31% 9% 7% T T 8% 8% 7% Q1 2019 1H 2019 9M 2019 FY 2019 Q1 2020 1H 2020 29

View entire presentation