Metropolitan Bank & Trust Company

The Future Made Possible

We are driven by our dedication to exceed goals and expectations. We deliver productive results and always aim for growth. This is how we make the future possible.

Milestones

Metrobank in 2025

The Bank delivered record earnings of PHP 49.7 billion in 2025, driven by modest asset expansion, resilient margins, healthy trading income and well contained cost growth.

ROE

12.3%

(As of FY 2025)

Common Equity Tier 1 Ratio

16.1%

(As of FY 2025)

PHP 49. 7B

RECORD NET
INCOME

2025 Metrobank Group Highlights

Total Assets

PHP 3.9

Trillion

Total Net Loans

PHP 2.0

Total Deposits

PHP 2.7

Trillion

Total Equity

PHP 432.2

Billion

In 2025, total consolidated assets expanded by 10.2%, keeping its status as the country’s second largest private universal bank. Total equity reached PHP432.2 billion.

Commercial loans grew by 7.4%, reflecting economic growth trends. Consumer loans grew at a healthy pace of 13.9%, driven by a 19.9% increase in net credit card receivables and 8.7% growth in auto loans. Meanwhile, our low cost Current and Savings Accounts (CASA), which made up 59.2% or total deposits, grew by 5.9%, driving the increase in our total deposits to PHP2.7 trillion.

Non-performing loans (NPLs) ratio stood 1.7% in 2025. NPL cover, meanwhile, remains high at 140.8%, serving as a substantial buffer against any risks to the portfolio.

The Bank’s strong balance sheet remains apparent with capital adequacy ratio at 16.8% and Common Equity Tier 1 (CET1) ratio at 16.1%, all well above the BSP’s minimum regulatory requirements.

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Strength that Sustains

“Beyond our organization, Metrobank remains to be a pillar in strengthening the economy. Our strong balance sheet and organization ensure our ability to support the capital spending plans of top conglomerates and corporates.”

Arthur Ty

Chairman