Metropolitan Bank & Trust Co. (Metrobank) reported a 3.3 percent increase in net income in 2025 to a record P49.7 billion, up from a P48.1 billion in 2024, driven by robust loan growth.
In a disclosure to the Philippine Stock Exchange on Thursday, the bank said net interest income rose 9.2 percent to P124.6 billion, partly fueled by an 8.8 percent expansion in gross loans.
“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,” Metrobank president Fabian Dee said in the disclosure.
“Our focus remains clear, and that is, to grow alongside our stakeholders and contribute to the country’s sustained progress,” Metrobank president Fabian Dee said in the disclosure,” he added.
Corporate and commercial loans increased 7.4 percent, “reflecting economic growth trends,” while consumer loans expanded at a faster pace of 13.9 percent.
Total deposits reached P2.7 trillion, with low-cost Current and Savings Accounts accounting for 59.2 percent of the total.
The loan-to-deposit ratio stood at 74.9 percent, which “shows the bank still has ample capacity to meet additional funding needs of customers.”
Non-interest income grew 11.6 percent to P33.5 billion. Trading and foreign exchange income surged 47.2 percent to P8.2 billion, driven by “strong customer flows and favorable trading opportunities.”
Operating expenses increased 3.3 percent to P79.7 billion. Meanwhile, the non-performing loans ratio closed 2025 at 1.7 percent, below the industry average of 3.2 percent.
METROBANK PHOTO