MANILA, Philippines — Metropolitan Bank & Trust Co. (Metrobank) achieved a new historic milestone, posting a record net income of ₱49.7 billion for the full year 2025. This reflects a 3.3% increase from its previous record of ₱48.1 billion in 2024.
The Ty family-led bank attributed the performance to disciplined asset growth, strong trading gains, and improved operational efficiency.
Key Financial Performance Indicators:
- Net Interest Income: Climbed 9.2% to ₱124.6 billion, driven by an 8.8% expansion in gross loans.
- Non-Interest Income: Rose 11.6% to ₱33.5 billion, fueled by a massive 47.2% surge in trading and foreign exchange income.
- Loan Portfolio: Consumer loans grew by 13.9%, outpacing corporate and commercial lending, which grew by 7.4%.
- Efficiency: Operating expenses grew by only 3.3%, helping improve the cost-to-income ratio to 50.7% (down from 53.8% in 2024).
- Dividends: Following the strong results, the board approved a total cash dividend of ₱5 per share for 2026 (₱3 regular and ₱2 special).
Strong Balance Sheet and Asset Quality
Metrobank President Fabian S. Dee emphasized the bank’s commitment to supporting the Philippine economy while maintaining a robust financial position.
- Total Assets: Expanded by 10.2% to ₱3.88 trillion.
- Capital Position: The bank remains highly capitalized with a Capital Adequacy Ratio (CAR) of 16.8%.
- Asset Quality: The nonperforming loan (NPL) ratio stood at 1.7%, significantly lower than the industry average of 3.2%. NPL cover remains high at 140.8%.
With total deposits reaching ₱2.7 trillion and a loan-to-deposit ratio of 74.9%, the bank has substantial liquidity to continue extending credit to businesses and consumers as it enters 2026.