Metrobank President Fabian S. Dee

Ty-led Metropolitan Bank & Trust Co. (Metrobank) reported another banner year as net income grew 17 percent to another all-time high of ₱49.7 billion last year from the ₱42.2 billion earned in 2024.

The bank said profit growth was supported by modest asset expansion, resilient margins, healthy trading income, and contained cost growth. Pre-provision operating profit accelerated by 17.1 percent to ₱78.4 billion.

“This full year performance reflects the trust of our clients, the dedication of our people, and our commitment to disciplined growth," said Metrobank President Fabian S. Dee.

He added that, “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.”

With the bank’s robust capital base, its board of directors approved a cash dividend of ₱5 per share for 2026. Aside from the regular dividend of ₱3 per share that will be paid out on a semiannual basis, a special cash dividend of ₱2 was also declared.

The first payout of ₱3.50 (₱1.50 regular and ₱2 special dividend) will be given to shareholders on record as of March 9, 2026.

Metrobank’s net interest income increased by 9.2 percent to ₱124.6 billion, in line with the 8.8-percent expansion in gross loans. Corporate and commercial loans posted 7.4-percent growth, reflecting economic growth trends, while consumer loans grew at a healthy pace of 13.9 percent.

Total deposits edged up to ₱2.7 trillion, of which low-cost current and savings accounts (CASA) accounted for 59.2 percent. A loan-to-deposit ratio of 74.9 percent shows the bank still has ample capacity to meet customers’ additional funding needs.

Meanwhile, total non-interest income increased by 11.6 percent to ₱33.5 billion, with a modest six-percent increase in fee and trust income to ₱19.2 billion.

Trading and foreign exchange (forex) income surged 47.2 percent to ₱8.2 billion in 2025, backed by strong customer flows and favorable trading opportunities.

Operating cost growth was contained at 3.3 percent year-on-year to ₱79.7 billion. As a result, the cost-to-income ratio improved to 50.7 percent from 53.8 percent in 2024.

Metrobank’s portfolio health remains intact, with the non-performing loans (NPL) ratio at 1.7 percent, well below the industry’s 3.2 percent. A high NPL cover ratio of 140.8 percent still provides a substantial buffer against potential risks to asset quality.

Metrobank’s total consolidated assets expanded by 10.2 percent to ₱3.88 trillion as of end-2025. The balance sheet remains strong, with total equity increasing by 9.4 percent to ₱421.7 billion.

Capital adequacy ratio (CAR) of 16.8 percent and common equity tier 1 (CET1) ratio of 16.1 percent are well above the Bangko Sentral ng Pilipinas’ (BSP) minimum regulatory requirements. Metrobank’s liquidity coverage ratio (LCR) also remained high at 181.7 percent.