HISTORY OF METROBANK

• Metrobank was incorporated in Binondo, Manila by a group of Filipino businessmen principally to provide financial services to the Filipino-Chinese community.

• It opened its first local branch in 1963, then expanded beyond Philippine shores only a few years after its establishment.

• Metrobank rolled out its first international branch in Taipei in 1970 and a representative office in Hong Kong in 1973.

• In 1975, Metrobank became the first of the private banks to move into American territory when it opened its office in Guam. It later established branches in the United States mainland cities of Los Angeles and New York.

• It established Metrobank Foundation, Inc. in 1979, putting emphasis on both business success and community contribution. The Foundation has since become one of the largest and most respected charitable organizations in Asia.

• In 1981, Metrobank was listed in the Philippine Stock Exchange and acquired its universal banking license, gaining significant equity ownerships in local and international subsidiaries.

• It established its own credit card company, Unibancard Corporation (now Metrobank Card Corporation) in 1986.

• In 1988, Metrobank entered into a joint venture with Japan’s largest automotive manufacturer and Mitsui Corporation to establish Toyota Motor Philippines Corporation.

• A decade later, it partnered with another global giant, the AXA Group, to give birth to Philippine AXA Life Insurance Corporation.

• In 1990, Metrobank launched the country’s first and only talking ATM, Metrobank E.T.

• In 1995, Metrobank became the first billion dollar bank with total capital of Php22.8 billion, the largest in the industry. It is the first local bank to raise supplementary capital overseas with a total of US$325 million in Lower Tier 2 Capital and Hybrid Tier 1 Capital in the years 2003 to 2006.

• Metrobank has also been steadily expanding internationally.

• In the late 1990s, Metrobank opened branches and offices in London, Taichung, Tokyo, and Seoul.

• Metrobank was the first to be granted a banking license by the Japanese Ministry of Finance. It was also the first Philippine bank in Korea.

• In 2001, Metrobank became the first Philippine bank in China when it opened its branch in Shanghai.

• In 2010, Metrobank inaugurated its wholly-owned subsidiary, Metropolitan Bank (China) Limited, the first foreign bank headquarters to be established in Nanjing. The new bank serves as the base for Metrobank’s operations in China, with three branches located in Nanjing and Shanghai.

Wellington Building

HISTORY OF ALLIED BANK

• Allied Bank was incorporated on April 1, 1977 and granted by the Central Bank of the Philippines the Certificate of Authority to operate as a commercial bank on May 20, 1977.

• It began its operations on June 2, 1977 with around 26 branches.

• On August 19, 1977, it was authorized to operate an expanded foreign currency deposit unit (FCDU), and in December 1981, it officially became an expanded commercial bank or universal bank.

• Today, Allied Bank operates a total of 283 domestic branches/offices, including its subsidiaries Allied Savings Bank (20 branches), Allied Leasing and Finance Corporation, and the PNB Life Insurance, Inc.-formerly New York Life Insurance Philippines, Inc (NYLIP)-which was acquired by the Bank in 2007.

• Aside from its local branch network, Allied Bank also operates 2 offshore branches in Bahrain and in Guam; a wholly-owned

subsidiary in the United Kingdom (Allied Bank Philippines (UK) Plc) and a majority-owned subsidiary in Hong Kong (Allied Banking Corporation (Hong Kong), Ltd.); a majority-owned commercial bank subsidiary in Xiamen, China (Allied Commercial Bank); and an affiliate commercial bank based in California, U.S.A. (Oceanic Bank), with offshore branches in San Francisco (Union Square Branch) and in Guam (Guam Branch).

• Representative offices were also established in Germany, Singapore and Australia, and consultancies/remittance desks in Saudi Arabia, Kuwait, Qatar and the United Arab Emirates. As of June 30, 2009, Allied Bank was ranked 8th largest private domestic bank in the country in terms of total deposits, total assets and net worth.

Vision Statement• We envision: A professionally run,

responsive, proactive, and creative organization through which the Metrobank Group of Companies is able to express its commitment to lead the private sector in fostering holistic human development in both the national and international arena, thereby effecting an empowered society whose members are able to realize their human potential.

Mission Statement• To realize its vision, the Foundation

shall: Propagate a culture of excellence with a human face by actively implementing, assisting, and supporting programs which strengthen and advance the strategic sectors of society as well as respond to the needs of the disadvantaged.

VISION STATEMENT

•To continually create value to be the preferential-universal Bank.

MISSION STATEMENT• To be among the pillars of the banking

industry, a strong and resilient institution committed to lasting partnerships with and superior service to our clients; the well-being of our employees; fair return on equity for our shareholders; and national growth and development as financial catalyst.

COMPANY LOGO

COMPANY LOGO

BOARD OF DIRECTORS • Dr. George S. K. Ty• Dr. Placido L. Mapa, Jr.• Mr. Arthur V. Ty • Mr. Aniceto M.

Sobrepeña• Mrs. Elvira Ong Chan• Mrs. Marixi R. Prieto• Mrs. Milagros Drilon• Mr. Alfred V. Ty

BOARD OF DIRECTORS

Lucio TanChairmanWilly Co

Vice-ChairmanMariano

TanenglianTreasurer

Bonifacio N. YaoDomingo Chua

Manuel GonzalesAlfredo Jimenez

Lucio Tan, Jr.Michael Tan

Wilfredo TeodoroRufina T. Yu

Directors

MARKETING STRATEGY

LOANS• Housing Loans

• Car Loans• Corporate Loans

MARKETING STRATEGY

• BUILD AND SAVE HOUSING LOAN• TOP SPEED AUTOLOANS

• SALARY LOANS

FINANCIAL STATEMENTMETROPOLITAN BANK AND TRUST COMPANYSTATEMENT OF INCOME

Years Ended December 31

2010 2009

INTEREST INCOME

Loans and Receivables 4,518,081,459 3,884,251,224

Trading and Investment Securities 1,070,060,651 1,029,902,918

Due from Other Banks and Interbank Loans

and Securities purchased under resale

agreements 297,460,829 285,297,682

5,885,602,939 5,199,451,824

INTEREST EXPENSE

Deposit Liabilities 1,328,326,559 1,443,096,651

Subordinated Debt, bills payable and other

borrowings 238,817,217 226,825,672

1,567,143,776 1,669,922,323

NET INTEREST INCOME 4,318,449,163 3,529,529,501

Service Charges, fees and commissions 1,341,778,345 912,963,616

Trading and Securities gain 1,155,256,556 426,734,155

Foreign exchange Gain 293,709,143 235,186,952

Gain on asset foreclosure 50,958,827 91,981,538

Trust income 45,018,754 69,955,713

Dividend Income (-) 190,106

Gain on Sale of Assets 42,281,466 104,001,967

Miscellaneous 146,967,038 98,488,430

TOTAL OPERATING INCOME 7,394,419,292 5,469,031,978

OPERATING EXPENSE

Provision for impairment and credit losses 1,552,210,920 1,237,230,547

Compensation and fringe benefits 1,364,816,703 1,048,327,589

Taxes and Licenses 452,494,683 378,278,074

Rent 273,789,163 237,789,406

Depreciation and Amortization 250,852,503 278,692,701

Amortization of intangible assets 84,309,185 63,911,769

Miscellaneous 1,636,446,589 1,536,916,828

TOTAL OPERATING EXPENSE 5,614,919,746 4,781,146,914

INCOME BEFORE INCOME TAX 1,779,499,546 687,885,064

PROVISION FOR (BENEFIT FROM) INCOME TAX -31,160,722 48,056,589

NET INCOME 1,810,660,268 639,828,475

FINANCIAL STATEMENTALLIED BANKING CORPORATION

STATEMENT OF INCOME

Year ended Dec. 312010 2009

INTEREST INCOME ON

Loans and Receivables 5,505,399 5,544,852

Trading and Investment Securities 3,302,054 2,817,075

Deposits with banks and interbank loans receivables 1,094,907 1,337,400

9,632,360 9,699,327INTEREST EXPENSE ON

Deposit Liabilities 2,466,055 2,821,659Bills payable and other borrowings 375,019 389,377

2,841,074 3,211,036

NET INTEREST INCOME 6,791,2866,488,29

1

Commission and handling charges 796,561 345,742

Trading and investment securities gain 902,400 134,392

Gain on acquisition of investment properties 30,532 89,098

Foreign Exchange gains 30,914 768,931

Miscellaneous 1,848,2691,553,00

3

TOTAL OPERATING INCOME10,399,96

29,379,45

7

Compensation and fringe benefits 2,768,1312,440,55

9

Provision for credit and impairment losses 1,252,727 884,693

Occupancy and other equipment-related cost 856,468 818,673

Taxes and licenses 798,053 840,277Depreciation and Ammortization 460,049 459,531

Miscellaneous2,391,89

72,200,0

20

TOTAL OPERATING EXPENSES8,527,32

57,643,7

53

INCOME BEFORE INCOME TAX FROM CONTINUING OPERATIONS

1,872,637

1,735,704

PROVISION FOR INCOME TAX 609,325561,50

0

NET INCOME FROM CONTINUING OPERATIONS1,263,31

21,174,2

04

NET INCOME FROM DISPOSAL GROUP 35,090 21,613

NET INCOME1,298,40

21,195,8

17

Housing Loans

• Metrohome Financing -- the easy and affordable way to own a home.

Whether it's for:• Purchase of a house and lot• Purchase of a lot and house construction thereon• Purchase of a townhouse• Purchase of a condominium• Purchase of a lot• House renovation• Home loan refinancing

Housing Loans

• MetroHome Financing is the package for you. Avail of:• Low interest rates that may be fixed for the 1st year, 1st

two years, three years, or even five years• Flexible terms of up to 20 years

– 20 years maximum for purchase of house and lot or townhouse

– 15 years maximum for purchase of condominium, refinancing, reimbursement and home renovation

– 10 years maximum for lot purchase• High loan amounts - borrow up to 70% of the property's

appraised value• Worry-free loan repayment through the issuance of

post-dated checks or automatic debit arrangement

Interest Fixing Interest Rate

1-year fixed 5.50%

2-year fixed 7.25%

3-year fixed 7.50%

4-year fixed 8%

5-year fixed 8.50%

6-10 year fixed 9.75%

Housing LoansMETROHOME

Car Loans• MetroCar loans let you avail the car you’ve been

dreaming of with just a favorable amount of rates

LOAN TERM ADD-ON RATE

LOAN TERM ADD-ON RATE

12 months 4.77% 36 months 15.21%

18 months 7.20% 48 months 20.65%

24 months 9.91% 60 months 27.28%

MetroCar Arrears

Corporate Loans

• Metrobank help grow business by providing the funding you need to reach your goals.

• Loans for Capital ExpendituresFor company's capital expenditures and expansion, choose among 7 products and services that fit your business' cash flow and peculiarities.

• Corporate Finance and Consultancythey offer various ways for company to meet its funding requirements of at least P300 million, allowing to pursue projects according to cash flow pattern.

• SME & Other Government Supported Loansthey provide low-cost funding to small-, medium-, and large-scale enterprises to finance certain projects that fall within the Government’s priority list. These funds may be availed for short- to long-term periods. Most may be used as working capital, funding to acquire fixed assets, or both.

SWOT ANALYSISStrengths• Higher returns• Capital Adequacy

Ratio• Declining NPLs

Weaknesses• Increased debt

burden

Opportunities• Strategic Agreements• Increasing demand for

loans• Increasing value of peso

Threats• Uncertain market and

economic conditions• Stiff competition• Acquisition/merging/

expansion of universal banks

TOWS MATRIXExternal Opportunities1. Strategic agreements2. Increasing value of peso3. In demand loans from

consumers

External Threats1. Acquisition/ Merging/

Expansion of universal banks

2. Uncertain market and economic conditions

Internal Strengths1. Higher returns2. Capital Adequacy Ratio

is above the banking industry percentage

3. Declining NPLs

SO1. Attract more investors 2. Generate more interest

income

ST1. Acquire commercial

banks 2. Buy more securities and

equity

Internal Weaknesses1. Increased debt burden2. Inadequate number of

branches

WO1. Guerilla Marketing 2. Increase number of

branches

WT1. Corporate and risk

Governance

BUILD AND SAVE HOUSING LOAN

• The only Housing Loan Program that lets you earn rebates on your loan by maintaining deposit with us. So, make full use of your deposits and live your dream house with Allied Bank Build & Save Housing Loan.

INTEREST RATESFixing Period Rate

1 year 8.50%

2 years 9.00%

3 years 9.50%

4 years 9.75%

5 years 9.75%

10 years 11.50%

15 years 11.50%

LOAN PURPOSE• Choose among your home financing

needs:• Purchase of House & Lot / Condominium• House Construction• Purchase of Lot• Refinancing• House Renovation / Expansion• Reimbursement

EASY PAYMENT• Pay your monthly

amortization through • Post-dated Checks or• Automatic Debit

Arrangement of your Allied Bank account

TOP SPEED AUTOLOANSFEATURES:• Covers BRAND NEW vehicle types (cars,

vans, SUVs & AUVs)• Loanable amount of up to 80% of the unit

price• Easy monthly payments through Post-dated

Checks or Automatic Debit arrangement of your Allied Bank Account.

LOW RATESAs of March 2011

TERM Rate (In-Arrears)Rate (One Month

Advance)

12 months 5.05% 4.25%

18 months 7.52% 6.70%24 months 10.18% 9.32%36 months 15.62% 14.70%48 months 22.38% 21.35%60 months 29.50% 28.36%

SALARY LOANS

Designed to augment financial need of employes of accredited companies. Employees in need can now manage their budget and enjoy life through hassle free loan application and loan payment.

All regular employees of accredited companies can avail of up to three times (3x) of their Gross Monthly Salary.

Monthly salary deductions will be arranged with your employer so you don’t have to worry of remitting your payment.

SWOT ANALYSISSTRENGTHS: • Strongest Online System • Largest ATM Network • Shifted from nationalize to

contemporary area of banking • Strong corporate culture •WEAKNESSES: • Branches are not renovated in

some areas • No use of electronic media for

promotion of services • No proper HR Management• No proper segmentation

OPPORTUNITIES: Make personal loans Car leasing Reduced transaction

charges Use of media for

promotionTHREATS: Strong competition

among other banks Financial recession Attitude of customers Falling KIBER rate

CREDIT CARDS:(NEW INNOVATION)

Metrobank Credit Card (Classic & Gold)Use your Metrobank Credit Card to dine and shop and indulge in over 42 million Visa and MasterCard establishments, worldwide.

Metrobank Platinum MasterCardDiscover the meaning of True Power with the Metrobank Platinum MasterCard.Features:Credit LimitThe Metrobank Platinum MasterCard comes with a higher credit limit.Free Supplementary Card for Lifelifetime annual fee waiver for 1st supplementary cardholder.

Metrobank Dollar MasterCard• The Metrobank Dollar MasterCard is the only card you will ever

need for your US Dollar transactions.Features:• Get billed in US Dollars• The US Dollar MasterCard allows you to get charged in US dollars

so that you don't need to worry about foreign exchange rate fluctuations.

• Free Travel Insurance • Receive FREE accidental death/disablement travel insurance when

you purchase your airline ticket using your Metrobank Dollar MasterCard.

M Lite MasterCard• The Metrobank M Lite MasterCard is the best

credit card for the savvy spender aiming for better finance management.

Features:• Lower finance charge • Enjoy the lowest finance charge in the market at

2.49% with the M Lite MasterCard

M Free MasterCard• Metrobank’s M Free MasterCard is the no

annual fee, no frills credit card!Features:• Perpetually waived annual fee• Get the benefits of using a credit card without

the need to pay the annual fee for life.

PSBank MasterCard• When family becomes the priority, the PSBank MasterCard

provides the widest range of benefits that keep your loved ones in mind.

Features:• Family Rewards• Earn 1 point for every Php20.00 that you spend using your

PSBank MasterCard. Use your points and redeem premium items or air miles from Philippine Airlines, Cathay Pacific Airlines or Singapore Airlines. Learn more about our rewards program, PSBank Rewards Catalogue.

Toyota MasterCard• Enhance your drive with the country’s first complete motorist

card.Exclusive Features:• 10% discount at all Toyota dealers

Applies to genuine accessories, parts and labor. • Rewards Points for all your spending

1 Point for every Php 20 spend everywhere Double Points at your preferred Toyota dealer.

• 3% fuel rebate at PetronOver 400 participating stations nationwide.

• 24/7 roadside assistance

Robinsons-Cebu Pacific MasterCardFeatures:• Fly/Buy points for all your spending• For Classic MasterCard: Earn one (1) Fly/Buy Point for every P200 spend

anywhere. Earn double Fly/Buy Points for every P200 spend when you shop at any Robinsons stores or purchase Cebu Pacific tickets at www.cebupacificair.com or any Cebu Pacific ticketing office.

• For Gold MasterCard: Earn one (1) Fly/Buy Point for every P200 spend anywhere. Earn double Fly/Buy Points for every P200 spend when you purchase Cebu Pacific tickets at www.cebupacificair.com or any Cebu Pacific ticketing office and when you use your card abroad. Earn triple Fly/Buy Points for every P200 spend when you shop at any Robinsons stores.

Metrobank Femme Visa Metrobank Femme Visa - the credit card for the

modern and independent career woman.Features: Exclusive Metrobank Femme Visa Features Enroll in the femme Road side Asistance and Personal

Accident Insurance Program and get Insurance Coverage of up to php. 200,000 maximum benefit for just php.500 per year.

CREDIT CARDS: (NEW INNOVATION)

Allied Bank Essentials MasterCard•Allied Bank Essentials MasterCard offers the ultimate payment convenience in shopping, traveling or dining out - and these are just a few of the simple passions that are made more enjoyable with Allied Bank Essentials MasterCard.

• Allied Bank Premium MasterCard, pleasures come without boundaries. Keep up to date on the latest fashion, dine in the finest restaurants and conquer new horizons with a diversity of perks and discounts only with Allied Bank Premium MasterCard.

FUNCTIONS OF BANKOUR BANKING SYSTEM TODAY:The Banking Business as we know it today is

composed of three separate and distinct principal functions.

1. The acquiring of funds to invest and loan.2. The investing of such funds in loans and

bonds.3. The servicing of such funds, such as providing

checks, drafts and etc.

SIMILARITIESThe Metrobank and Allied Bank are both

universal and commercial bankCommercial bank defined as ”moneyed”

corporation.to receive deposits.pay such funds.to lend money.to make collectives

•engaged in commercial banking and related services•lending products include seasonal finance, agricultural finance, trade finance, running finance and demand finance.

• offers leasing for machinery, commercial vehicles, vehicles and equipments.• has the largest ATM network in the country and it is among the top rated bank in our country.

•In terms of other services and foundations.

DIFFERENCES

Offers different promos and foundations.

• BOOKS ACROSS THE SEAS (BATS)• FOUNDATION FOR UPGRADING THE STANDARD OF EDUCATION (FUSE)

GROUP PRESENTATION• MAGDALAGA, MARIE LOUISE

• MAGNAYON, GERIMAICA • LITADA, MHAY

• ALEJO, ANGELICA• GUARDIAN, PRINCESS

• SANTOS, KAYECIE• GANTONG, DAPHNE