Metrobank income surges to record P49.7 billion in 2025

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February 20, 2026 | 12:00am

MANILA, Philippines — Metropolitan Bank & Trust Co. (Metrobank) booked another record year in 2025, posting a net income of P49.7 billion on the back of steady loan growth, resilient margins and strong trading gains.

The Ty-led bank said pre-provision operating profit rose by 17.1 percent to P78.4 billion, supported by modest asset expansion, healthy trading income and contained cost growth.

Metrobank president Fabian Dee said the full-year performance reflects the trust of its clients, the dedication of its people and its 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,” Dee said.

According to the bank, net interest income increased by 9.2 percent to P124.6 billion, broadly in line with the 8.8 percent expansion in gross loans.

Corporate and commercial loans grew by 7.4 percent, mirroring broader economic trends, while consumer loans expanded at a faster 13.9 percent pace.

Total deposits edged up to P2.7 trillion, with low-cost current and savings accounts accounting for 59.2 percent of the total. The bank’s loan-to-deposit ratio stood at 74.9 percent, indicating room to extend additional credit.

The bank’s bon-interest income climbed to P33.5 billion. Fee and trust income rose by six percent to P19.2 billion, while trading and foreign exchange income surged by 47.2 percent to P8.2 billion in 2025, driven by strong customer flows and favorable trading opportunities.

Operating expenses inched up by 3.3 percent year on year to P79.7 billion, but slower than a year ago. As a result, Metrobank improved its cost-to-income ratio to 50.7 percent from 53.8 percent in 2024.

Asset quality remained sound, with the non-performing loan ratio at 1.7 percent, well below the industry average of 3.2 percent. The bank’s NPL cover ratio stood at 140.8 percent, providing a substantial buffer against potential risks.

Total consolidated assets expanded by 10.2 percent to P3.88 trillion as of end-2025. Total equity increased by 9.4 percent to P421.7 billion.

Metrobank’s capital adequacy ratio reached 16.8 percent, while its common equity tier 1 ratio stood at 16.1 percent, both well above minimum requirements. The bank’s liquidity coverage ratio remained high at 181.7 percent.

With its robust capital base, the board approved a total cash dividend of P5 per share for 2026. This consists of a regular dividend of P3 per share to be paid semiannually and a special cash dividend of P2 per share.

The first payout of P3.50 per share, composed of a P1.50 regular dividend and a P2 special dividend, will be distributed to shareholders on record as of March 9.