Metrobank net revenue surges 3.3% to P49.7B in 2025

Metropolitan Bank & Trust Co. reported a 3.3% increase in net income for 2025, reaching ₱49.7 billion, up from a record ₱48.1 billion in 2024, fueled by strong loan growth.

In a disclosure to the Philippine Stock Exchange, the bank said net interest income rose 9.2% to ₱124.6 billion, supported by an 8.8% increase in gross loans. Corporate and commercial loans expanded 7.4%, while consumer loans surged 13.9%.

Total deposits hit ₱2.7 trillion, with low-cost Current and Savings Accounts making up 59.2% of the total. The loan-to-deposit ratio stood at 74.9%, reflecting ample capacity to meet additional customer funding needs.

Non-interest income grew 11.6% to ₱33.5 billion, and trading and foreign exchange income jumped 47.2% to ₱8.2 billion, “driven by strong customer flows and favorable trading opportunities.”

Operating costs rose 3.3% to ₱79.7 billion, while the non-performing loans ratio ended the year at 1.7%, well below the industry average of 3.2%.

“This full-year performance reflects the trust of our clients, the dedication of our people, and our commitment to disciplined growth. 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,” said Fabian Dee.