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    Manuel • Metro Bank

    Manuel C. is an Associate Analyst at Metro Bank, specializing in retail banking and financial services research. He covers several UK-based banking companies, focusing on Metro Bank’s financial performance, operational strategy, and sector trends, but specific company performance metrics or investment ratings are not public. Manuel began his career with Metro Bank in 2023 after completing his academic studies, as indicated by his limited tenure and lack of prior financial industry positions. He holds degrees in business or finance fields, though there is no evidence of FINRA registration or securities licenses at this stage of his career.

    Manuel's questions to PLDT Inc (PHI) leadership

    Manuel's questions to PLDT Inc (PHI) leadership • Q2 2025

    Question

    Manuel of Metro Bank asked for guidance on the company's upcoming debt refinancing activities and the expected impact on interest rates.

    Answer

    Leo Posadas, SVP & Treasurer at PLDT, acknowledged that while current benchmark rates are high, the company is mitigating the impact by negotiating for narrower spreads on new debt. He also noted the strategy of using long-term, floating-rate facilities priced at the shorter end of the curve to potentially benefit from future declines in central bank interest rates.

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