Metropolitan Bank & Trust Co, the country’s fourth largest lender by assets, reported a record net income of P37.3 billion for the first nine months of 2025, fueled by solid loan growth, improved margins, and well-managed costs.
The result reflects Metrobank’s strong operational momentum, with pre-provision operating profit rising 12.1 percent year-on-year to P59.2 billion.
Net interest income climbed 7.1 percent to P91.8 billion, driven by broad-based growth across business segments and sustained quarterly margin improvement. Gross loans expanded 10.8 percent to P1.9 trillion, led by a 15.8 percent rise in consumer lending and 9.5 percent growth in institutional loans. Total deposits reached P2.5 trillion, up 7.6 percent, with low-cost current account/savings account (CASA) deposits comprising P1.5 trillion. The bank’s loan-to-deposit ratio stood at 76.6 percent, underscoring its strong liquidity position.
Non-interest income improved 5.3 percent to P25.4 billion, boosted by higher service fees, trust income, and an 18 percent surge in trading and forex gains. Operating expenses rose just 1.7 percent, lowering the cost-to-income ratio to 49.8 percent from 52.2 percent a year earlier.
“Our prudent approach in expanding our core businesses continued to support our performance in the first nine months,” said Metrobank President Fabian S. Dee. “We remain confident in the Philippines’ long-term growth story and are committed to helping clients seize opportunities amid challenges,” he added.
Asset quality remained robust, with an NPL ratio of 1.7 percent, well below the industry’s 3.6 percent, and a 147.4 percent NPL coverage. Capital ratios stayed comfortably above regulatory requirements, with CAR at 17.0 percent and CET1 at 16.3 percent.
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