Gt Capital Holdings, Inc. · PSE:GTCAP
Gt Capital — Maybank Philippine Corporate Day 2026
41 slides from Gt Capital's conference presentation, Jan 14, 2026
Slide 1: Investor Presentation
Investor Presentation JANUARY TO SEPTEMBER 2025 FINANCIAL AND OPERATING RESULTS For more information, visit gtcapital.com.ph/investor-relations or contact IR@gtcapital.com.ph
Slide 2: GT Capital Financial Highlights 9M 2025
GT Capital Financial Highlights 9M 2025 Core Net Php25.95 Billion 9M2025 +21% Income Php21.39 Billion 9M2024 Reported Php26.04 Billion1 9M2025 +20% Net Income Php21.72 Billion2 9M2024 1) Php398 M share in MPIC’s nonrecurring gains, offset by Php88 M effect of business combination 2) P426M share in M
Slide 3: Our Key Messages
Our Key Messages • GT Capital’s resilient performance achieved record levels through the strength of our core businesses: • Core net income Php25.95B +21% • Reported net income Php26.04B +20% • Metrobank net income Php37.3B +4% • MPIC core net income Php23.6B +14% • TMP net income Php16.8B+38% • Key
Slide 4: Consolidated Financial Highlights
Consolidated Financial Highlights
Slide 5: Record High Nine Months Earnings in 2025
Record High Nine Months Earnings in 2025 Core Net 26.0 Income 21.4 9M 2025 16.6 12.0 11.3 +21% 8.1 vs. 9M 2024 3.7 9M 2019 9M 2020 9M 2021 9M 2022 9M 2023 9M 2024 9M 2025 Reported 26.0 Net Income 21.4 9M 2025 15.1 15.0 16.6 8.7 +20% 3.2 vs. 9M 2024 9M 2019 9M 2020 9M 2021 9M 2022 9M 2023 9M 2024 9M
Slide 6: GT Capital Financial Highlights 9M 2025
GT Capital Financial Highlights 9M 2025 Revenues Revenues Gross Premium Share in Opr. Core Inc. Revenues Php117.2B +7% Php7.6B -21% Php27.1B +20% Php27.2B +12% Php199.6B +12% Net Income Net Income Net Income Core Net Income Net Income Php37.3B* +4% Php152M -77% Php2.1B +4% Php23.6B* +14% Php16.8B* +
Slide 7: GT Capital Net Income Contribution per Sector 9M 2025
GT Capital Net Income Contribution per Sector 9M 2025 Others Property Others Property 4% 3% 3% 1% Infra Infra Auto 16% Auto 15% 26% 31% Banking Banking 52% 49% 9M 2024 9M 2025 Banking + Auto = 78% Banking + Auto = 80% 7
Slide 8: Operating Company Highlights
Operating Company Highlights
Slide 9: Financial Highlights
<> Metrobank FEN GT CAPITAL a 1 * HOLDINGS INCORPORATED You're in good hands Thank you for your trust Financial Highlights
Slide 10: Metrobank Financial Highlights 9M 2025
Metrobank Financial Highlights 9M 2025 MBT Loan Growth vs. GDP Growth MBT Gross Loans (%YoY) PH GDP (%YoY) Php 1.9T 17% 14% 8% 12% 15% 16% 5% 6% 16% 13% 11% 7% 6% 5% 6% 8% 4% 6% 4% -1% -8% -13% 2020 2021 2022 2023 3M24 6M24 9M24 FY24 3M25 6M25 9M25 Loan Growth Drivers Corp. & Mid-Mkt. %YoY +9% Credi
Slide 11: Summary of Key Results
Summary of Key Results • Record Net Income of Php37.3B +4% and Pre-Provision Operating Profit of Php59.2B +12% in 9M 2025 • Loan growth of +11% to Php1.9T, in line with guidance of 1.5x to 2x of real GDP growth • Strong performance of consumer segment +16%, driven by credit cards +21%, auto +15%, an
Slide 12: Industry Highlights
eNGT CAPITAL |\EEDERAL LAND ae HOLOINGS NCORFORATED Industry Highlights
Slide 13: Metro Manila Residential Supply and Demand
Metro Manila Residential Supply and Demand 9M 2025 Residential Demand Mix Metro Manila Residential Condominium Supply and Demand High End Luxury (over Php12M) Launches (Supply) RFO (Supply) 9M Take-up (Demand) FY Take-up (Demand) Upscale (Php7-12M) 100,000 “Affordability remains a key issue as most
Slide 14: Metro Manila Office Supply and Demand
Metro Manila Office Supply and Demand 9M 2025 Metro Manila Office Supply, Demand, Vacancy Rate Office Demand Mix BPO Gaming Office Supply (Incremental) Office Take-up (Incremental) Vacancy Rate (Cumulative) Traditional Government 15.7% 18.8% 19.3% 19.8% 18.0% 5% 1.20 Annualized: 1.07 1.12 1.00 755K
Slide 15: Financial Highlights
eNGT CAPITAL |\EEDERAL LAND ae HOLOINGS NCORFORATED Financial Highlights
Slide 16: Federal Land Financial Highlights 9M 2025
Federal Land Financial Highlights 9M 2025 Monthly Reservation Sales (Php M) Reservation Sales Mix High End Luxury (over Php12M) Haru and Aki 2025 2024 *Horizontal Pivot Upscale (Php7-12M) (1Q 2025) 2,453 Mid Income - Affordable (<7M) Hartwood Phase 1* 2,081 11% 1,929 (July 2024) 1,638 1,600 Php12.6B
Slide 17: Summary of Key Messages
Summary of Key Messages • Metro Manila vertical residential and office markets remain soft • Reservation sales driven by RFOs in the Bay Area and BGC, FNG projects (Yume, The Observatory, Commercial Lots) • Shift to horizontal projects outside Metro Manila resulted in a 6% year- on-year increase in
Slide 18: Financial Highlights
GT CAPITAL HOLDINGS INCORPORATED Financial Highlights a
Slide 19: AXA Financial Highlights 9M 2025
AXA Financial Highlights 9M 2025 Life APE Product Mix (In %) Key Messages UL 49% UL 76% Life 25% 7% RP-UL • APE +23% to Php4.0B driven by RP Endowment, SP, 27% 27% P&H and Group Premium 49% 24% SP-UL • Asset Master (SP-UL) 24% 17% Group • Asset Protect (SP-UL) • AXA Secure Future (RP-UL) 9M 2024: Ph
Slide 20: Financial Highlights
METRO PACIFIC fog ST CAPITAL INVESTMENTS AJEWEL THAT CONNECTS, A LEGACY THAT LASTS
Slide 21: MPI Financial Highlights 9M 2025
MPI Financial Highlights 9M 2025 Key Messages • MPIC: Reported net income increase by 7% driven by gain on sale of Coastal (Php2.9B). Meralco Metro Pacific Tollways • Meralco: +15% increase in core income driven by Energy Sales Average Daily Traffic higher natural gas prices, power generation, and t
Slide 22: Automotive Sector Highlights
Automotive Sector Highlights
Slide 23: Philippine Automotive Sector
Philippine Automotive Sector Expected to reach new all-time high in 2025 PH Automotive Industry Retail Vehicle Sales (in 000 units) +5% Est. 490- +8% 500 473 474* 439 402 400 410 361 322 269 280 242 361 208 183 142 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025E Excise Ta
Slide 24: Philippine Automotive Sector
Philippine Automotive Sector In line with economic growth Car Sales GDP Per Capita Motorization 4,500 600 3,894 4,000 3,741 3,572 500 3,431 3,414 3,131 3,280 Retail Vehicle Sales (in 000 units) 3,500 3,108 3,198 Per Capita GDP (in USD) 3,000 400 3,050 2,500 2,844 2,974 Motorization: 2,718 3,000 2,46
Slide 25: Financial Highlights
CP) “GT CAPITAL TOYOTA | Financial Highlights
Slide 26: Key Highlights 9M 2025
Key Highlights 9M 2025 Revenues Industry* Monthly Retail Vehicle Sales (In 000 Units) P199.6B +11.6% Retail Vehicle Sales 2023 2024 2025 361,317 Units 38.9 40.4 42.1 41.9 42.7 40.9 38.2 40.7 Net Income 35.3 in 9M 2025 P 16.8B +38.1% +3.8% YoY > FY2024 NIAT P 15.9B vs. 347,923 Wholesale Volume in 9M
Slide 27: Toyota Retail Sales Highlights 9M 2025
Toyota Retail Sales Highlights 9M 2025 TMP Top Selling Passenger Cars (Ranked by units) Triple Crown Award Segment 48% 64% 52% 2021 2022 2023 2024 9M 2025 Share No.1 46% 48% 46% 46% 45.6% 9M 2025 Vios Wigo Camry Overall Sales* (47.8% CAMPI) Unit Sales 20,396 13,240 388 61% 60% 53% 55% 47.9% No.1 % t
Slide 28: Electrified Vehicle Market
Electrified Vehicle Market Growing at a fast pace HEV PHEV BEV Share of EV Market to Total Industry Sales 2022 2023 2024 9M25 24,294 +173% 38,678 1.01% 2.64% 5.13% 10.70% 12% 5,990 15% 2,877 12% 2,870 15,078 39% 11,584 537 5% 14,178 136 581 1% 18,547 4% 46% 10,911 94% 76% 17,610 1,165 3,636 13,597 9
Slide 29: Sales Growth Supplemented by TFSPH
Sales Growth Supplemented by TFSPH TFS Quarterly Applications and Penetration Applications Penetration Rate 68,344 64,758 66,148 64,649 59,372 60,683 60,218 56,382 56,732 57,385 57,382 56,82555,041 58,037 52,95851,79054,771 53,068 49,298 49,251 45,786 38,144 32,164 48% 50% 48% 43% 44% 41% 38% 34% 33
Slide 30: Toyota CKD Model Performance
Toyota CKD Model Performance Toyota CKD Models PC/CV Mix 9M 2025 Higher production PC CV in Toyota Sta. Rosa 48% Assembly Plant 70% 79% 48,365 Subcompact PC Segment Share 9M 2025 30% 21% units assembled 9M 2025 9M24 9M25 33% CKD/CBU Mix 9M 2025 Pure CV CKD CBU Segment Share 9M 2025 70% 75% 17% Compa
Slide 31: Lexus maintains strong growth in the Auto Luxury segment
Lexus maintains strong growth in the Auto Luxury segment Retail Sales 2025F 2,263 2,200 1,843 1,470 861 626 568 474 2019 2020 2021 2022 2023 2024 9M 2025 Source: Lexus 31
Slide 32: Summary of Key Messages
Summary of Key Messages • Motorization in the Philippines continues despite economic slowdown • Industry sales 361,317 units+3.8% • TMP retail sales 164,797 units+3.6% • 45.6% TMP market share • Provincial sales recorded at 67.0% of total sales • Toyota continues with its multi-pathway strategy, rep
Slide 33: Moving Forward
CGT CAPITAI Pushing Boundaries HOLDINGS INCORPORATED Achieving More Moving Forward
Slide 34: The Observatory (Mandaluyong City)
The Observatory (Mandaluyong City) • 4.5 hectare site strategically located in Mandaluyong City, the center of three major central business districts: Makati, BGC and Ortigas • Mixed-use community in an area surrounded by stand-alone residential and office buildings • Provides an unobstructed view o
Slide 35: Inauguration of Lexus Manila Gallery BGC
Inauguration of Lexus Manila Gallery BGC 35
Slide 36: Riverpark
_.__RIVERPARK _ GATEWAY 4 yume ~ Open Canal Intetchang
Slide 37: The Grand Midori, Ortigas, Pasig City
The Grand Midori Ortigas, Pasig City • Designed in collaboration with Tange Associates, the world- renowned Tokyo-based architectural firm • Tower 1 inaugurated in October 2025 • 75% sold; turnover of units are ongoing 37
Slide 38: Riverpark Campus
Ateneo de Manila University Riverpark Campus “Our investment in this campus reflects our long-term commitment to creating sustainable value for generations of Filipinos, anchored on the values of excellence and service.” – GT Capital Vice Chairman Alfred Ty (15 has.) Memorandum of Agreement signing
Slide 39: All-New ATIV
All-New ATIV Toyota’s Multi-Pathway Strategy Launched October 2025 HEV variant starts at Php1.198 Mn 39
Slide 40: bz4X
Toyota’s Multi-Pathway Strategy bz4X TMP’s first Battery Electric Vehicle offering in the PH to be launched in December 2025 Accepting reservations now! Price starts at Php2.699 Mn 40
Slide 41: Thank You!
Thank You! For more information, visit gtcapital.com.ph/investor-relations or contact IR@gtcapital.com.ph
GT Capital Holdings — Maybank Philippine Corporate Day 2026 on 6ix