Metropolitan Bank & Trust Co. (Metrobank) reported a net income of ₱37.3 billion for the first nine months of 2025, attributed to steady loan growth, improving margins, and controlled expenses.
“Our prudent approach in expanding our core businesses continued to support our performance in the first nine months,” said Fabian Dee, president of Metrobank. “We are confident that the Philippines’ long-term growth story remains strong.”
The bank’s pre-provision operating profit grew 12% year-on-year to ₱59.2 billion.
Metrobank said lending remained solid across segments, with total loans increasing by 10.8% to ₱1.9 trillion. Consumer loans grew by nearly 16% as demand for auto, housing, and credit card loans picked up, while institutional lending rose by around 9%.
Deposits increased by 7.6% to ₱2.5 trillion, supported by more clients keeping funds in savings and checking accounts. Low-cost deposits made up about ₱1.5 trillion of the total, helping the bank sustain margin improvements.
Non-interest income reached ₱25.4 billion, boosted by higher service fees, trust income, and trading gains. The bank said its investment portfolio and foreign exchange operations benefited from stronger customer activity.
Operating expenses were kept in check, rising by only 1.7% compared to last year. This helped lower the cost-to-income ratio to 49.8% from 52.2% in 2024, reflecting efficient cost management.
Metrobank’s asset quality remained healthy, with the non-performing loan ratio at 1.7%, below the industry average of 3.6%. The bank set aside ₱8.7 billion in provisions, keeping a high buffer to cover potential risks.
Metrobank ended the period with total assets of ₱3.6 trillion, up 8.9% from a year ago, while total equity increased by 7.2% to ₱407.6 billion. The bank’s capital ratios remained strong, with a 17% Capital Adequacy Ratio and a 16.3% Common Equity Tier 1 ratio, well above regulatory requirements.