Metropolitan Bank & Trust Co. (Metrobank) reported a net income of ₱49.7 billion in 2025, supported by steady asset growth, stable margins, higher trading income, and controlled expenses. Pre-provision operating profit grew 17.1% to ₱78.4 billion.
The bank’s board approved a total cash dividend of ₱5.00 per share for 2026. This includes a regular dividend of ₱3.00 per share to be paid semiannually and a special cash dividend of ₱2.00 per share. The first payout of ₱3.50 per share, consisting of ₱1.50 regular and ₱2.00 special dividend, will be given 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 Fabian Dee, president of Metrobank. “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.”
Net interest income increased 9.2% to ₱124.6 billion, in line with an 8.8% increase in gross loans. Corporate and commercial loans grew 7.4%, while consumer loans expanded 13.9%. Total deposits reached ₱2.7 trillion, with low-cost current and savings accounts accounting for 59.2%. The loan-to-deposit ratio stood at 74.9%, indicating room to support additional customer funding needs.
Non-interest income climbed 11.6% to ₱33.5 billion. Fee and trust income grew 6.0% to ₱19.2 billion. Trading and foreign exchange income increased 47.2% to ₱8.2 billion, driven by higher customer activity and favorable market conditions.
Operating expenses grew 3.3% year on year to ₱79.7 billion, improving the cost-to-income ratio to 50.7% from 53.8% in 2024.
Metrobank’s non-performing loans ratio was 1.7%, below the industry’s 3.2%. The NPL cover ratio stood at 140.8%.
Total consolidated assets rose 10.2% to ₱3.88 trillion as of end-2025. Total equity increased 9.4% to ₱421.7 billion. The capital adequacy ratio was 16.8%, while the Common Equity Tier 1 ratio was 16.1%, both above Bangko Sentral ng Pilipinas requirements. The liquidity coverage ratio was 181.7%.