C.

Geographic Areas
Metrobank has 730 local branches all over the Philippines. 1t also has a wide distribution of ATM
machines in 2,200 nationwide. This force enabled its customers to transact with the company in any
location of the country. Metrobank spread outs globally by beginning foreign branches in a total of 69 all
over the world, so that Filipino overseas and other foreign investors or customers can transact with the
branches at relieve. The Metrobank Group has a combined network of over 800 local and international
branches/offices, remittance offices and subsidiaries worldwide. It has 557 domestic branches and 32
offices in New York, Hong Kong, Tokyo, Osaka, Seoul, Pusan, Guam, Taipei, Kaohsiung, Madrid,
Barcelona, Vienna, Rome, Bologna, Milan, Singapore, Chicago, Hawaii, and Shanghai. In September
1982, the number of Metrobank branches, offices and subsidiaries surpassed 200. A year later, Metrobank
topped all private domestic banks in total resources, with P8.8 billion. Listed Below are some of its
specific branches in the Province of Batangas.

Branch Name Address

Batangas - Balayan Antorcha cor. Emma Sison St. Balayan, Batangas

Batangas- Calicanto P. Burgos St. Extension, Brgy. Calicanto Batangas City,Batangas

Batangas - Main Corner J.P.Rizal & P. Burgos St. Batangas City, Batangas

Batangas - V. Luna V. Luna Street, Batangas City, Batangas

Batangas - Bauan National Highway, Poblacion I Bauan, Batanags

Batangas - Kumintang Ilaya National Highway, Kumintang Ilaya, Batangas

Batangas - Lemery Along Independencia & Ilustre St. Lemery, Batangas

Lipa Ayala Pres. J. P. Laurel Highway, Lipa City, Batangas

Lipa - B. Morada B. Morada Avenue, Lipa City, Batangas

Lipa Cathedral Brgy. 9A, C.M. Recto Ave. Lipa City, Batangas

Lipa - Tambo National Road, Brgy. Tambo Lipa City, Batangas

Batangas - Mabini Along National Road, Poblacion, Mabini, Batangas

Lima Park Lima Industrial park, Malvar, Batangas

Batangas - Nasugbu J.P. Laurel corner R. Martinez St., Nasugbu, Batangas

Rosario Batangas Gualberto Ave., Brgy. D. Poblacion Rosario, Batangas

Batangas - Sto. Tomas Brgy. 2, Maharlika Highway, Sto. Tomas, Batangas

FPIP-Sto. Tomas Batangas First Philippine Industrial Park, Sto. Tomas, Batangas

Batangas - Tanauan A. Mabini A. Mabini Avenue Extension Poblacion Tanauan, Batangas

Batangas - Tanauan J.P. Laurel J. P. Laurel Highway Tanauan, Batangas

Batangas - Rosario Beside Tan Wanam Grocery, Gualberto Avenue, Poblacion, Rosario,
4225 Batangas

Batangas - San Juan Gen. Luna, cor Dandan St, Poblacion, San Juan, 4226 Batangas
G. Industry and Relevant Competition
Metro bank, the Philippines' second largest bank, is always fighting off competitors in order to
maintain its position as one of the country's largest banks. The Sy-led Banco de Oro and the Ayala
group's Bank of the Philippine Islands (BPI) are its major competitors. Other major competitors include
state-owned Land Bank and UCPB, Lucio Tan's Philippine National Bank, Gotianun's East West, the Dy
family's Security Bank, China bank (partly controlled by the Sy and Dee families), and the Yuchengco
family's Rizal Commercial Banking Corporation (RCBC).

Banco de Oro (BDO) is one of Metro bank’s major competitors. Banco de Oro (BDO) is a
commercial and leading local / universal bank in the Philippines. It is a major and largest bank in the
Philippines in terms of assets, loans and deposits. The bank is the product of the Banco de Oro-Equitable
PCI bank merger after the boards of both Banco de Oro Universal bank and Equitable PCI Bank agreed to
merge on Dec 27, 2006. For a while, the entity was known as Banco de Oro-EPCI, Inc., but announced
that it would go by the name Banco de Oro Unibank, Inc. Starting February 2007.

One of the main competitors of Metro bank is Bank of the Philippine Islands (BPI) it is the
oldest bank in the Philippines still in operation and is the country's 3rd largest bank and company in terms
of assets (US$ 15.29 billion). It is owned by Ayala Corporation, the largest conglomerate in the
Philippines, and is based in Makati City's Central Business District (CBD), on the corner of Ayala
Avenue and Paseo de Roxas. BPI is also the oldest bank in Southeast Asia and has a long and
distinguished history that spans over a century. It has either influenced or has been influenced by many
nations, including parts of the former Spanish Empire, especially Mexico, and the United States. While
many consider it an old institution, BPl is trying, with moderate success, to promote itself as a dynamic
institution that caters to its various clients, which hail from various sectors of Philippine society.

The Land bank of the Philippines (LBP) is considered as one of Metro Bank's biggest rivals.
Bangko sa Lupa ng Pilipinas, also known as Land bank of the Philippines (LBP), is a government-owned
bank with special focus on serving the needs of farmers and fishermen. While it provides the service of a
universal bank, it is officially classified as a "specialized government bank" with a universal banking
license.

Among these major competitors, Metro bank can maintain its market share growth in the
banking industry, preserve financial stability, and expand its branch network internationally. Corporate,
commercial, and consumer banking, as well as credit cards, remittances, leasing, investment banking, and
trust banking, are all applicable. One of the advantages of metro bank to other competitors is that it
provides a stable job with financial and medical security. It offers good retirement and longevity
advantages, as well as security for both men and women in families. And by comparing the strategies of
Metro bank to its competitors it can develop excellent organizational performance that can lead Metro
bank to maintain its market growth.
K. Legal Structure
Metro bank operates in accordance to a responsible bank. They adhere to the highest standards of
corporate governance, exercising accountability, fairness, and transparency across all our business
operations. They exercise good management to provide our shareholders with sustainable returns on their
investments. And an institution with a heart They give back to the communities we serve, committed to
making meaningful contributions to the economic and social development of our nation.

Metro bank has Whistle-blowing policy that as a way of strengthening the Bank’s system of
integrity, all employees are encouraged to report irregular transactions. Towards this end, the Bank
instituted a Whistle blowing policy where acts of fraud, malpractice, conflict of interest or violation of
internal/regulatory policies, procedures and control may be reported to the Chief Audit Officer. The
Whistleblowing policy applies in cases when an employee deems it more prudent to report violations or
offenses to another authorized unit/person within the Bank, when the matter which is brought to the
attention of the immediate superior is not acted upon in accordance with the standard reporting
procedures, or is concealed, or the immediate superior is himself involved in the infraction, or the
reporting employee fears reprisal. Under the policy, the Bank shall maintain the identity of the reporting
employee as confidential and retaliation against any reporting employee shall not be allowed. Consistent
with the principles of good governance, the Chief Audit Officer reports to the Board’s Audit Committee.

Metro bank and its covered subsidiaries have registered with the United States Internal Revenue
Service (U.S. IRS) on March 11, 2014 as a Participating Foreign Financial Institution not covered by an
Intergovernmental Agreement (IGA); or a Reporting Financial Institution under a Model 2 IGA. Relative
to the Philippines being one of the jurisdictions that have reached agreements in substance as of
November 30, 2014 and have consented to being included on the list of Reporting Financial Institutions
under IGA Model 1, the Bank subsequently registered as Reporting Financial Institution under Model 1
IGA.

Metro bank’s success is due to its employees, who are dedicated to product quality and service
excellence, as well as strong work ethics and good governance. Customer delight, teamwork, a passion
for results, and integrity are all important characteristics that we uphold. Hard effort is rewarded at Metro
bank with a long-term career and a competitive rewards system.
O. Business Segments
Metro bank is a multinational corporation. Individual and commercial clients can access a full
range of banking services through the Metropolitan Bank and Trust Company's network of more than
1,950 ATMs in the Philippines, more than 860 domestic branches, and 31 overseas branches, subsidiaries,
and representative offices in Asia, Europe, and the United States. Deposits, savings, loans, credit,
investment help, life insurance, trade finance, money transfer and remittance, and Internet banking are
among the services it offers. It has subsidiaries and affiliate enterprises all over Asia, as well as in several
major US cities. Metropolitan Bank & Trust Co. is a financial services company that offers banking,
finance, leasing, real estate, and stock brokerage. Consumer Banking, Corporate Banking, Investment
Banking, Treasury, Branch Banking, and Others are the segments through which it operates. Consumer
Banking is responsible for consumer loans and support. Corporate and institutional customers are served
by the Corporate Banking segment, which handles loans, other credit facilities, as well as deposit and
current accounts. Investment Banking segments organizes structured funding and offers services such as
privatizations, initial public offerings, advice, and mergers and acquisitions. Money market, trade, and
treasury services are all part of the Treasury segment. The Branch Banking segment is responsible for
branch deposits, loans, and other loan-related activities. Remittances, leasing, account financing, and
other support services are included in the others section. Siao Kian Ty created the corporation on April 6,
1962, and it is based in Makati, Philippines.