Metrobank nets P37.3-B income in Jan–Sept 2025 on strong loan growth

Metropolitan Bank & Trust Co. (Metrobank) posted a record net income of ₱37.3 billion in the first nine months of 2025, up 4 percent year-on-year, driven by strong loan expansion and higher trading income.

In a disclosure to the Philippine Stock Exchange (PSE) last week, the bank reported a 12.1 percent annual increase in pre-provision operating profit to ₱59.2 billion.

Metrobank president Fabian Dee attributed the robust performance to the bank’s “prudent approach” in growing its core businesses.

“We’re confident that the Philippines’ long-term growth story remains strong,” Dee said. “We continue to be committed to helping our clients seize opportunities for growth as we navigate together any challenges and uncertainties on our journey ahead.”

The bank’s net interest income climbed 7.1 percent to ₱91.8 billion as of September, reflecting broad-based gains across business segments and sustained margin improvements.

Total loans rose 10.8 percent to ₱1.9 trillion, fueled mainly by a 15.8 percent increase in consumer lending. Deposits likewise expanded by 7.6 percent to ₱2.5 trillion, with low-cost current and savings accounts (CASA) comprising ₱1.5 trillion.

Non-interest income grew 5.3 percent to ₱25.4 billion, supported by higher service fees and trust income, while trading and foreign exchange gains jumped 18 percent to ₱6.6 billion.

Operating expenses increased modestly by 1.7 percent year-on-year, while the bank’s cost-to-income ratio improved to 49.8 percent from 52.2 percent in the same period last year.