Metropolitan Bank & Trust Co., commonly known as Metrobank, has announced a landmark financial achievement, reporting a record net income of P49.7 billion for the year 2025. This impressive result was fueled by a combination of modest asset expansion, resilient margins, substantial trading gains, and disciplined cost management strategies.
Strong Core Performance and Dividend Payouts
The bank's pre-provision operating profit soared by 17.1 percent to P78.4 billion, underscoring a solid core performance. In a move to reward shareholders, Metrobank's board has approved total cash dividends of P5.00 per share for 2026. This includes a regular dividend of P3.00 per share, paid semiannually, and a special dividend of P2.00 per share.
The first payout, amounting to P3.50 per share—composed of P1.50 regular and P2.00 special—will be distributed to shareholders on record as of March 9, 2026. President Fabian S. Dee highlighted the significance of this performance, stating, "This full-year performance reflects the trust of our clients, the dedication of our people, and our commitment to disciplined growth." He added, "We continue to strengthen our balance sheet while expanding support to businesses and consumers who drive the Philippine economy."
Financial Highlights and Growth Metrics
Net interest income increased by 9.2 percent to P124.6 billion, aligning with an 8.8 percent rise in gross loans. Corporate and commercial lending grew by 7.4 percent, while consumer loans experienced a significant climb of 13.9 percent. Total deposits edged up to P2.7 trillion, with low-cost current and savings accounts comprising 59.2 percent of the total.
A loan-to-deposit ratio of 74.9 percent indicates ample capacity to meet clients' funding needs. Non-interest income surged by 11.6 percent to P33.5 billion, largely driven by a remarkable 47.2 percent jump in trading and foreign exchange income, which reached P8.2 billion. Fee and trust income also rose by 6.0 percent to P19.2 billion.
Operational Efficiency and Asset Quality
Operating expenses saw a minimal increase of just 3.3 percent year on year to P79.7 billion, leading to an improved cost-to-income ratio of 50.7 percent, down from 53.8 percent in 2024. Asset quality remained robust, with a nonperforming loan ratio of 1.7 percent—well below the industry average of 3.2 percent—and a high coverage ratio of 140.8 percent.
Total consolidated assets expanded by 10.2 percent to P3.88 trillion as of the end of 2025, while equity climbed by 9.4 percent to P421.7 billion. The bank's capital adequacy ratio stood at 16.8 percent, with a common equity tier 1 ratio of 16.1 percent, both exceeding regulatory minimums. Additionally, the liquidity coverage ratio remained strong at 181.7 percent.
Industry Recognition and Corporate Responsibility
In 2025, Metrobank earned prestigious accolades, including being named the country's Strongest Bank for the fifth consecutive year and Best Managed Bank by The Asian Banker. The Euromoney Awards for Excellence also recognized the bank as Best Bank for Large Corporations and Best for Corporate Responsibility.
These awards highlight Metrobank's initiatives through the Metrobank Foundation, which supports education, arts, and social development programs, further cementing its role as a leader in the Philippine banking sector.
