Metropolitan Bank & Trust Co. (Metrobank) recorded a record high net income of P49.7 billion in 2025, which the bank attributed to steady asset expansion, resilient net interest margins, strong trading income, and disciplined cost management. 

In a Thursday morning disclosure to the Philippine Stock Exchange, the bank said pre-provision operating profit rose 17.1% to P78.4 billion. Net interest income increased 9.2% to P124.6 billion, supported by an 8.8% expansion in gross loans.

Corporate and commercial loans grew 7.4%, in line with broader economic activity, while consumer loans rose a faster 13.9%. Total deposits edged up to P2.7 trillion, with low-cost current and savings accounts (CASA) comprising 59.2% of total deposits. The loan-to-deposit ratio stood at 74.9%, indicating ample liquidity to support further lending.

Operating expenses grew at a controlled pace of 3.3% to P79.7 billion, improving the bank’s cost-to-income ratio to 50.7% from 53.8% in 2024.

Asset quality remained sound, with a non-performing loan ratio of 1.7%, well below the industry average of 3.2%. The bank maintained a strong NPL coverage ratio of 140.8%, providing a substantial buffer against potential credit risks.

Metrobank’s total consolidated assets expanded 10.2% to P3.88 trillion as of end-2025, while total equity increased 9.4% to P421.7 billion. The bank’s capital adequacy ratio stood at 16.8%, with a Common Equity Tier 1 ratio of 16.1%, both comfortably above regulatory requirements. Liquidity remained robust, with a Liquidity Coverage Ratio of 181.7%.

Non-interest income climbed 11.6% to P33.5 billion. Fee and trust income rose 6.0% to P19.2 billion, while trading and foreign exchange gains surged 47.2% to P8.2 billion, buoyed by strong client flows and favorable market conditions.

Meanwhile, Metrobank’s Board of Directors previously approved total cash dividends of P5.00 per share for 2026. This includes the regular P3.00 per share dividend, to be paid semi-annually, and a P2.00 special cash dividend. The first payout of P3.50 per share — consisting of P1.50 regular and P2.00 special dividends — will be distributed to shareholders on record as of March 9, 2026.

“This full year performance reflects the trust of our clients, the dedication of our people, and our commitment to disciplined growth,” said Metrobank President Fabian S. Dee. “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.”