Metropolitan Bank & Trust Co. 2025 Earnings

Metrobank (Philippines) (Metrobank) reported a record net income of P49.7 billion in 2025, marking another successful year. This achievement was driven by steady loan growth, resilient margins, and strong trading gains. The bank's pre-provision operating profit increased by 17.1% to P78.4 billion. Net interest income rose by 9.2% to P124.6 billion, aligning with an 8.8% expansion in gross loans, with consumer loans growing at a faster pace of 13.9%. Non-interest income climbed to P33.5 billion, boosted by a 47.2% surge in trading and foreign exchange income. Operating expenses were well-contained, leading to an improved cost-to-income ratio of 50.7%. The bank maintained sound asset quality with a non-performing loan ratio of 1.7% and a robust NPL cover ratio of 140.8%. Total consolidated assets expanded by 10.2% to P3.88 trillion, and total equity increased by 9.4% to P421.7 billion. Metrobank (Philippines)'s capital adequacy ratio and Common Equity Tier 1 ratio remained well above regulatory requirements. The board approved a total cash dividend of P5 per share for 2026, comprising a regular dividend of P3 per share and a special cash dividend of P2 per share, with the first payout scheduled for shareholders on record as of March 9.