TY family-led Metropolitan Bank & Trust Co. (Metrobank) reported a record net income of P49.7 billion in 2025, supported by steady loan growth, resilient margins, strong trading gains and tightly managed costs.
Last year’s net income was 3.3-percent higher than the P48.1 billion recorded in 2024, the bank said in a disclosure on Thursday.
It said pre-provision operating profit climbed 17.1 percent year on year to P78.4 billion.
“This full year performance reflects the trust of our clients, the dedication of our people, and our commitment to disciplined growth,” Metrobank President Fabian Dee said.
“We continue to strengthen our balance sheet while expanding support to businesses and consumers who drive the Philippine economy,” Dee added.
Net interest income rose 9.2 percent to P124.6 billion from P114.1 billion in 2024, tracking the 8.8-percent expansion in gross loans during the year. Corporate and commercial loans increased by 7.4 percent from a year earlier in line with broader economic activity, while consumer loans grew at a faster pace of 13.9 percent.
Total deposits reached P2.7 trillion, higher than the P2.6 trillion recorded in 2024, with low-cost current account and savings account deposits making up 59.2 percent of the total. The bank’s loan-to-deposit ratio stood at 74.9 percent.
Non-interest income jumped 11.6 percent year on year to P33.5 billion. Fee and trust income posted a modest 6.0-percent increase to P19.2 billion from P18.1 billion, while trading and foreign exchange income surged 47.2 percent to P8.2 billion.
Operating expenses were contained, rising by just 3.3-percent year on year to P79.7 billion from P77.2 billion. This resulted in an improvement in the bank’s cost-to-income ratio to 50.7 percent from 53.8 percent in 2024.
Asset quality remained sound, with the nonperforming loan ratio at 1.7 percent, well below the industry average of 3.2 percent. The bank’s nonperforming loan cover ratio stood at a high 140.8 percent, providing a substantial buffer against potential credit risks.
Metrobank’s total consolidated assets grew 10.2 percent to P3.88 trillion as of end-2025 from P3.52 billion a year earlier, while total equity increased by 9.4 percent to P421.7 billion from P385.5 billion.
Capital ratios remained well above regulatory requirements, with a capital adequacy ratio of 16.8 percent and a common equity tier 1 ratio of 16.1 percent. Liquidity also stayed strong, as reflected in a liquidity coverage ratio of 181.7 percent.
Given its strong earnings and solid capital position, Metrobank’s board of directors approved a total cash dividend of P5.00 per share for 2026. This includes a regular dividend of P3.00 per share, to be paid semi-annually, and a special cash dividend of P2.00 per share.
The first tranche of P3.50 per share, consisting of a regular dividend of P1.50 and a special dividend of P2.00 per share, are to be paid to shareholders on record as of Mar. 9, 2026.
Metrobank shares on Thursday were down P0.85, or 1.15 percent, closing at P73.30 each amid a 0.19-percent rise for the benchmark Philippine Stock Exchange index.
