Metropolitan Bank & Trust Co. closed 2025 with another record-breaking performance, delivering a net income of P49.7 billion as steady loan growth, resilient margins, robust trading gains, and tight cost control combined to lift profitability.
Pre-provision operating profit surged 17.1 percent to P78.4 billion, underscoring the bank’s ability to expand earnings while maintaining balance sheet strength.
Buoyed by its solid capital position, Metrobank’s board approved a total cash dividend of P5.00 per share for 2026, consisting of a regular semi-annual payout of P3.00 and a special cash dividend of P2.00. Shareholders on record as of March 9, 2026 will receive the first tranche of P3.50 per share, reflecting management’s confidence in the bank’s earnings outlook and capital buffers.
“This full year performance reflects the trust of our clients, the dedication of our people, and our commitment to disciplined growth. We continue to strengthen our balance sheet while expanding support to businesses and consumers who drive the Philippine economy. Our focus remains clear, and that is, to grow alongside our stakeholders and contribute to the country’s sustained progress,” said Metrobank President Fabian S. Dee.
Core banking revenues remained the primary driver of growth, with net interest income rising 9.2 percent to P124.6 billion on the back of an 8.8 percent expansion in gross loans. Corporate and commercial lending grew 7.4 percent in step with broader economic activity, while consumer loans accelerated by 13.9 percent, reflecting sustained demand across retail segments.
Deposits climbed to P2.7 trillion, with low-cost CASA deposits accounting for 59.2 percent of the total. A loan-to-deposit ratio of 74.9 percent highlights ample liquidity headroom to fund future client needs.
Non-interest income also delivered a strong showing, jumping 11.6 percent to P33.5 billion. Fee and trust income edged up 6.0 percent to P19.2 billion, while trading and foreign exchange income surged 47.2 percent to P8.2 billion, supported by active customer flows and favorable market conditions throughout the year.
On the cost side, operating expenses were kept firmly in check, rising just 3.3 percent year-on-year to P79.7 billion. This discipline translated into a sharper efficiency profile, with the cost-to-income ratio improving to 50.7 percent from 53.8 percent in 2024, reinforcing Metrobank’s focus on productivity and scale.
Asset quality remained sound despite a dynamic operating environment. The bank’s non-performing loan ratio stood at 1.7 percent, significantly below the industry average of 3.2 percent, while a high NPL coverage ratio of 140.8 percent provided a substantial buffer against potential credit risks.
Metrobank ended 2025 with total consolidated assets of P3.88 trillion, up 10.2 percent year-on-year, and total equity of P421.7 billion, an increase of 9.4 percent. Capital ratios remained well above regulatory thresholds, with a capital adequacy ratio of 16.8 percent and a Common Equity Tier 1 ratio of 16.1 percent. Liquidity also stayed robust, as reflected in a liquidity coverage ratio of 181.7 percent.
The bank’s financial strength and governance standards continued to earn global recognition. For the fifth consecutive year, Metrobank was named the country’s Strongest Bank by Asian Banker, while also receiving the Best Managed Bank distinction.
At the Euromoney Awards for Excellence 2025, Metrobank was cited as Best Bank for Large Corporates and Best Bank for Corporate Responsibility, highlighting both its market leadership and the impact of Metrobank Foundation’s sustained support for education, the arts, and social development across the country.