Investor Presentaiton

Pbn Consumer NPLs well below industry levels Auto INPLS-NPL ratio Industry 12.7% * 10.7% Home INPLS-NPL ratio Industry * 9.6% 9.2% PRIVATE AND PROPRIETARY Credit Cards INPLS-NPL ratio Industry 8.9% 8.0%* * 5.8% 5.2% 5.3% 3.1% 5.1% 6.5% 4.0% 3.5% 2.5% 2.1% 5.8 1.7% 1.4% 5.0 5.3 3.5 3.9 3.7 2.4 Pbn Pbn 1.5 1.1 2019 2020 2021 Note: NPL Ratios computed using Net of Unearned Interest and Discount (UID) Industry Data refers to Philippine Banking Sector data from the BSP, Latest as of 9M 2021 2019 2020 2021 2019 2020 2021 © Metropolitan Bank & Trust Company | Investor Relations | February 2022 | MBT Company Presentation 25 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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