Metropolitan Bank & Trust Co. (Metrobank) recorded its strongest nine-month performance to date, posting a net income of P37.3 billion from January to September 2025. The stellar result was driven by solid loan growth, sustained margin expansion, steady trading gains, and disciplined cost management—pushing pre-provision operating profit up by 12.1% year-on-year to P59.2 billion.
“Our prudent yet growth-oriented strategy continues to bear fruit,” said Metrobank President Fabian S. Dee. “We remain confident in the Philippines’ long-term growth story and will keep supporting our clients as they seize new opportunities amid evolving market challenges.”
Net interest income climbed 7.1% to P91.8 billion, fueled by broad-based business growth and improving margins. The bank’s loan portfolio expanded by 10.8% to P1.9 trillion, led by a 15.8% surge in consumer loans and a 9.5% rise in institutional lending. Deposits grew 7.6% year-on-year to P2.5 trillion, with low-cost CASA accounts making up P1.5 trillion. Metrobank’s loan-to-deposit ratio stood at a comfortable 76.6%, signaling ample liquidity to meet client funding requirements.
Non-interest income rose 5.3% to P25.4 billion, supported by robust service fees and trust income. Trading and foreign exchange gains jumped 18% to P6.6 billion, buoyed by active customer flows and effective portfolio management.
The bank also maintained tight control of operating expenses, which increased by just 1.7%, lowering its cost-to-income ratio to 49.8% from 52.2% a year ago. Asset quality remained superior to industry standards, with a non-performing loan ratio of only 1.7% compared to the sector’s 3.6%. Year-to-date provisions totaled P8.7 billion, keeping a high NPL coverage of 147.4% as a safeguard against potential risks.
Metrobank’s balance sheet remains among the strongest in the market, with a Capital Adequacy Ratio of 17.0% and a Common Equity Tier 1 ratio of 16.3%, both well above regulatory minimums. Its total consolidated assets grew 8.9% to P3.6 trillion, while total equity increased 7.2% to P407.6 billion, reaffirming its standing as the Philippines’ second-largest private universal bank.
For its consistent excellence, Metrobank was recognized by The Asian Banker as the Strongest Bank in the Philippines for the fifth consecutive year and named Best Managed Bank for 2025—underscoring its commitment to stability, growth, and trusted financial leadership.