Metropolitan Bank Holding Corp. · NYSE:MCB
Metropolitan Bank — Investor Presentation (December 2020)
31 slides from Metropolitan Bank's investor presentation, Dec 9, 2020
Slide 1: Metropolitan Commercial Bank
Metropolitan McB Commercial Bank. ar Entrepreneurial WHE
Slide 2: Disclosure
Disclosure This presentation contains forward-looking state- ‘ments" within the meaning ofthe Private Securities Litigation Reform Act of 1995, Examples of fr- ward-looking statements include but are not limited tothe Company's financial condition and capital ‘ato, results of operations and the Comp
Slide 3: How We Succeed
How We Succeed Metropolitan rasan GD A Diversified Financial Institu awnerdal Ben We are More than a Commercial Bank a x AR Tooter afl capa Our Strategic Priorities anking and innovative Enhance our position 21-Years of Reliable financial services to ‘ Asset Quality and - pea: asa leader in the busi
Slide 4: A Diversified Financial Institution
How We Succeed A Diversified Financial Institution comargeaiten GD | “The Entrepreneurial Bank nce 1999 Our Unique Product Offerings and Solutions Global a Digital Payments 83 + Administers domestic and international digital payments settlement + Delivers critical financial infrastructure + Leading
Slide 5: Digital Payments Worldwide, Every Day
Digital Payments Worldwide, Every Day Metropolitan ash) Mc! Commercial Bank. | he Entrepreneurial Bank Since 1999
Slide 6: Global Payments Group
How We Succeed | Global Payments Group Customer Centric Digital Payments Worldwide \So-lldahestssel eee! Ti) Metropolitan conbatropaitan QE) | at December 31, except 2020 whichis at September 30, | Unaudited Clients 160 ae a8 30202071D Client Customer Transactions 30202071D Active Client Customers r
Slide 7: Global Payments Group: Delivering Critical Financial Infrastructure
How We Succeed | Global Payments Group Delivering Critical Financial Infrastructure, Every Day + Domestic and international digital payments settlements, every day + Gateway to payment networks — Wire, ACH, Visa, Mastercard, Remittance, every day + Custodian of deposits on behalf of clients and thei
Slide 8: Tending to Our Diverse Digital Payment Products Ecosystem
How We Succeed | Global Payments Group Metropolitan (1) | mee Tending to Our Diverse Digital Payment he Entrepreneurial arkSincee9 NY Products Ecosystem, Every Day nanan pop ae ces tates 7
Slide 9: Securing Our Place in a Diverse Digital Payment Industry
How We Succeed | Global Payments Group Securing Our Place in a Diverse Digital Payment Industry Complex, Every Day ce NYSE sane pana. ta oes 8
Slide 10: Industry and Product Diversification
Pe How We Succeed | Global Payments Group Metropolitan (3) | * ‘Commercial Industry and Product Diversification The atropreearal Bk Sree 899 at September 3, 2020 | Unaudited 16 Digital Products 20 Digital Industries Online Gambling and Gaming combined (© 259% Aa Pcesing 0.222% cyproamency ee rene: ©
Slide 11: Contributions to Deposits
How We Succeed | Global Payments Group Contributions to Deposits Deposits by Industry at September 30,2020 | Unaudited (© 200% Financial Servcesto the Unbanked and Underbanked (© 193% Mobile Banking © 116% Crypto Gurency (© 93% Healthcare Co-Pay © 93% Phamaceutial © 56% Corporate Pay © 43% Online Ga
Slide 12: Strong Growth in Non-Interest Income
HowWe Succeed | Global Payments Group Metropolitan (Ef) nce Strong Growth in Revenue (Soclrbrerharertinny l= Non-Interest Income at December 31, except 2020 which is at September 30, | $ thousands f=] Le] / [=] ‘lobe Payments Non ners come [oe] [ee] [se] x Ses 1 agence goancte ia Searyer2M heya. N
Slide 13: Our Franchise
NYSE The Entrepreneurial Bank Since 1999 Our Franchise con Metrgpalten Gz)
Slide 14: Strong Growth in Revenues
How We Succeed Strong Growth in Revenues Total Revenues at December 31, except 2020 which is at September 30, | $ thousands 1 Baten sayarantenep yar, dour B yar ston eneo ett lob Group
Slide 15: Delivering Financial Results
How We Succeed Delivering Financial Results Profitability Metrics Diluted EPS at December 31, except 2020 which is at September 30; conberapottan GS) | ‘The Entrepreneurial Bank Since 1999 ROATCE at December 31,.except 2020 whichis at September 30,' 2s 1 3Q020"
Slide 16: Stable Net Interest Margin
How We Succeed Stable Net Interest Margin Net Interest Margin Analysis at December 31, except 2020 whichis a September 3, 330% 3.30% 353% 352% 370% 346% Samm: | Oe avg CMY — —— - — ——___, Avenged 02% 026% oss 110% 191% 228% on — feongeted aT ws a6 a7 mE 2 SBD 1 igen peat gene 2 Yer eT Hae 2 bre a ya
Slide 17: Strong Balance Sheet Growth
How We Succeed Strong Balance Sheet Growth Assets at December 31, except 2020 which is at September 30, | $ mifions a aS ANY AN 2019, 3Q202071 Deposits at December 31, except 2020 which is at September 30, | $ millions DH ws WS ASD. BQ20207TD 16 comargeaiten GD | Se ‘The Entrepreneurial Bank Since 1
Slide 18: Loan Portfolio Growth and Diversification
How We Succeed Metropolitan (3) | ce vse Loan Portfolio Growth and Diversification Clenbied eanoeithan $2.99 billion Loan Portfolio A Diversified Portfolio September 30, | Smiions a epee 30,2020 * fen one on oceed r © 21% CRE -Owner Occupied sis, Os Kachin Orner © 16%. Maltfmty —— © 3% Construction
Slide 19: Commercial Growth Driven by Expertise in Specific Lending Verticals
How We Succeed Metropolitan (3) | ce Commercial Growth Driven by SS ee Expertise in Specific Lending Verticals General Commercial and Industrial Overview C&l Composition at September 30,2020 (042% Healthcare Target Market Key Metrics (© 19% Finance and Insurance + Middle market businesses + Average
Slide 20: Relationship-Based Commercial Real Estate Lending
How We Succeed Relationship-Based Commer | Real Estate Lending Target Market + New York metropolitan area realestate entrepreneurs with a net worth in excess of $5 milion + Primarily concentrated in the New York MSA + Well-diversfied across various property types Composition by Type at September 30,
Slide 21: Well-Developed, Sector Diversified Healthcare Portfolio
How We Succeed Metropolitan Well-Developed, Sector Diversified conan ED) Healthcare Portfolio (© CRESklled Nursing Fates SNF) $562millon © CAlOther Heathoare $120millon © Cel Skiled Nursing Facies SNF) $98 millon + Active in Healthcare lending since 2002, + CRE ~Skilled Nursing Fadlities (SNF) — Ave
Slide 22: Well-Developed, Geographically Diversified Skilled Nursing Facility Portfolio
HowWe Succeed Metropolitan mi Well-Developed, Geographically Diversified ConmercBank GD = Skilled Nursing Facility Portfolio CRE Skilled Nursing Facility Exposure by State C&l Skilled Nursing Facility Exposure by State (© 49%, NewYork 2 24% Tennessee © 1% Pennsyhanla (© ®% Georgia Indiana ‘Wisconsin
Slide 23: Credit Metrics
How We Succeed Metropolitan F Commercial an Credit Metrics \eielloctnod ponent | at December 31, except 2020 which is at September 30, NCOs/Average Loans Non-Performing Loans/Loans om aco 002% “08% fe aM mI 02D a a ane ae ALLL/Loans Non-Performing Loans/ALLL
Slide 24: Deposit Composition
How We Succeed Deposit Composition Deposits $3.53 billion at September 30, 2020 (© 32% DDA ex Corporate ‘Gash Management) (© 30% Corporate Cash Management MMA (© 239% MMA excl Corporate ‘Gash Management) (© 12% Corporate Gash Management DOA © 3% Savingsand CD's + Corporate cash management deposits d
Slide 25: Well Positioned for Changing Rate Environment
How We Succeed Well Positioned for Changing Rate Environment Estimated Sensitivity of Projected Annualized Net Interest Income as of une30, 2020 sl00bps §—«+100kps 4200p Note: Given therecent decreasesin market interestrates, the Bank did not model a200-asis point decrease in interest rates at June
Slide 26: Appendix
Appendix commeraarbank GD) es NYSE
Slide 27: Delivering Critical Financial Infrastructure, Every Day
How We Succeed | Global Payments Group Metropolita nD mes Delivering Critical Financial Infrastructure, (Caen ey Fe Every Day us. Other Load law Pension Treasury Corporate Deeley Types Firms ‘Companies Government Prefund. 3 MGW GD.vRL, JIM PayoutstocLegal [IM Publicand Private 5 ACH Loads Payments M
Slide 28: Exceeding Client Expectations, Every Day
How We Succeed | Global Payments Group meter GD) | Mca Exceeding Client Expectations, Every Day Cs iletianenpeen Co APTOXY © menex bitpay Osircoinira Bitstamp Bright @ CO BROXEL CardWorks Biter focin th CAS€ADE” OEE = coinbase coinx As Curent Digicel
Slide 29: Exceeding Client Expectations, Every Day
Exceeding Client Expectations, Every Day Commercebank Nyse How We Succeed | Global Payments Group letropolitan QS ae Fy Firstview Getanacustooy HF FairFX OFICENTIVE BANK Genesis Brewer & Giiechebtler
Slide 30: Exceeding Client Expectations, Every Day
How We Succeed | Global Payments Group Metropolitan Mcp Exceeding Client Expectations, Every Day Co leenferbeeteenN P PayPal Paysafe: @praxe INR Rae simba % Skill ; Dp E) square a Te . tZERO © uphold ©®usio" Iemmos bay) verizon’ wirex
Slide 31: Partner with the Leading Processors and Payment Processing Networks
How We Succeed | Global Payments Group comMetropatitan ce Partner with the Leading Processors and Fe renal Bo cre gs AGE Payment Processing Networks, Every Day Leading Processors Leading Payment Processing Networks VISA @D viscever (4 ecorenh eybersource Fis fisery. €eGaticeo accel @D roestra GPs “o
Metropolitan Bank Holding — Investor Presentation (December 2020) on 6ix