Asset growth lifts Metrobank profit to record P49.7B in 2025
A modest expansion in assets, healthy trading gains and resilient margins delivered a new record net income of P49.7 billion to Metropolitan Bank & Trust Co. (Metrobank) in 2025.
Metrobank’s bottom line was up 3.3 percent from its previous record of P48.1 billion in 2024.
The Ty family-led bank said preprovision operating profit jumped 17.1 percent to P78.4 billion. This reflected stronger core earnings and sustained business momentum.
Metrobank president Fabian S. Dee said the bank’s performance underscored its commitment to disciplined growth while continuing to support businesses and consumers.
“We continue to strengthen our balance sheet while expanding support to businesses and consumers who drive the Philippine economy,” Dee said. “Our focus remains clear, and that is, to grow alongside our stakeholders and contribute to the country’s sustained progress.”
Net interest income increased 9.2 percent to P124.6 billion, in line with an 8.8-percent expansion in gross loans.
Corporate and commercial lending grew 7.4 percent, while consumer loans rose faster at 13.9 percent.
Total deposits reached P2.7 trillion, with low-cost current and savings accounts making up 59.2 percent of the total.
The bank’s loan-to-deposit ratio stood at 74.9 percent, indicating room to extend more credit.
Non-interest income climbed 11.6 percent to P33.5 billion, supported by a 47.2-percent surge in trading and foreign exchange income. Fee and trust income also increased by 6 percent to P19.2 billion.
Meanwhile, operating expenses rose at a slower pace of 3.3 percent. This improved the cost-to-income ratio to 50.7 percent from 53.8 percent a year earlier.
Asset quality remained healthy, with the nonperforming loan ratio at 1.7 percent, lower than the industry average of 3.2 percent.
The bank also maintained a high nonperforming loan cover ratio of 140.8 percent, providing a buffer against potential credit risks.
Metrobank’s balance sheet also expanded further, with total consolidated assets rising 10.2 percent to P3.88 trillion.
Equity increased 9.4 percent to P421.7 billion.
Capital adequacy ratio stood at 16.8 percent and Common Equity Tier 1 ratio at 16.1 percent, both well above regulatory requirements.
The bank’s liquidity coverage ratio remained strong at 181.7 percent.
Against this backdrop, Metrobank’s board approved total cash dividends of P5 per share for 2026.
This consists of a regular dividend of P3 per share and a special dividend of P2 per share. The first payout of P3.50 per share will be released to shareholders on record as of March 9.
