Metrobank Posts Record ₱49.7 Billion Profit in 2025, Declares ₱5.00 Dividend for Shareholders
Metropolitan Bank & Trust Company (Metrobank) delivered another record year in 2025, posting a net income of ₱49.7 billion on the back of steady asset expansion, resilient margins, strong trading gains, and disciplined cost management.
Pre-provision operating profit rose 17.1% to ₱78.4 billion, reflecting the bank’s ability to grow revenues faster than expenses while maintaining balance sheet strength.
Dividend Boost on Strong Capital Position
Buoyed by its robust capital base, Metrobank’s Board of Directors approved a total cash dividend of ₱5.00 per share for 2026. This includes a regular dividend of ₱3.00 per share, payable semi-annually, and a special cash dividend of ₱2.00 per share. The first payout of ₱3.50 per share—comprising ₱1.50 regular and ₱2.00 special dividends—will be distributed to shareholders on record as of March 9, 2026.
Metrobank President Fabian S. Dee said the bank’s performance underscores client trust, employee commitment, and a continued focus on disciplined growth. He emphasized the bank’s strategy of strengthening its balance sheet while expanding support to businesses and consumers that power the Philippine economy.
Lending and Core Income Drive Growth
Net interest income increased 9.2% to ₱124.6 billion, broadly aligned with the 8.8% expansion in gross loans. Corporate and commercial lending grew 7.4%, reflecting sustained business activity, while consumer loans expanded at a faster 13.9% pace, signaling healthy retail demand.
Total deposits reached ₱2.7 trillion, with low-cost current and savings accounts (CASA) accounting for 59.2% of the total. The loan-to-deposit ratio stood at 74.9%, indicating ample liquidity to fund future lending requirements.
Non-interest income rose 11.6% to ₱33.5 billion. Fee and trust income climbed 6.0% to ₱19.2 billion, while trading and foreign exchange gains surged 47.2% to ₱8.2 billion, supported by strong client flows and favorable market conditions.
Efficiency Gains and Asset Quality Strength
Operating expense growth was contained at 3.3%, bringing total costs to ₱79.7 billion. As a result, Metrobank improved its cost-to-income ratio to 50.7%, down from 53.8% in 2024.
Asset quality remained sound, with the non-performing loan (NPL) ratio at 1.7%, significantly below the industry average of 3.2%. The bank maintained a high NPL coverage ratio of 140.8%, providing a substantial buffer against potential credit risks.
Strong Balance Sheet and Industry Recognition
Total consolidated assets expanded 10.2% to ₱3.88 trillion as of end-2025, while total equity increased 9.4% to ₱421.7 billion. Metrobank’s capital adequacy ratio stood at 16.8%, with a Common Equity Tier 1 (CET1) ratio of 16.1%, both well above regulatory minimums set by the Bangko Sentral ng Pilipinas. The bank also maintained a high liquidity coverage ratio of 181.7%.
Metrobank’s performance earned continued industry recognition. It was named the Philippines’ Strongest Bank for the fifth consecutive year and Best Managed Bank by The Asian Banker. At the Euromoney Awards for Excellence 2025, Metrobank was cited as Best Bank for Large Corporates and Best Bank for Corporate Responsibility, highlighting its commitment to governance and social impact through the Metrobank Foundation.
With strong capitalization, diversified income streams, and prudent risk management, Metrobank enters 2026 positioned to sustain growth while continuing to deliver value to shareholders and clients alike.