LogoAnnual Report 2025

Leadership Message 

Supporting the nation’s growth

Read the message of our Chairman and President on how we supported the nation’s growth in 2025.

Strength That Sustains​

Arthur Ty

Arthur Ty

Chairman

In 2025, we moved forward with resilience amid the economic and market challenges by keeping our stakeholders at the center of our every decision and action.
At the start of the year, we were hopeful that the Philippine economy was well on its way to achieving above 6% growth post the mid-term elections. We expected further cuts in policy rates, supported by easing inflationary pressures, would spur consumer demand and recovery in investment spending. However, the sentiment turned around by the second half of the year as political challenges prompted a sharp slowdown in government construction spending and weakened consumer sentiment. Eventually, economic growth slowed down to 4.4%, its weakest since 2011.
Metrobank, nonetheless, emerged stronger, as demonstrated by our healthy balance sheet, high capital ratios, and good asset quality. Our assets expanded to PHP 3.9 trillion, strengthening Metrobank’s position as the second-largest universal bank in the Philippines.
The Bank delivered record earnings of PHP49.7 billion in 2025, driven by modest asset expansion, resilient margins, healthy trading income and well contained cost growth. Our portfolio health remained intact, with non-performing loans (NPLs) ratio at 1.7%, well below industry’s 3.2%. We also kept our NPL cover ratio high at 140.8%.
Our solid balance sheet, with high Common Equity Tier 1 (CET1) ratio of 16.1%, further bolstered our capacity to serve our clients’ financial needs as we continue to face domestic and global uncertainties.

Supporting the nation’s growth

Even as we may still face volatility this year, Metrobank continues to see opportunities across markets to expand our business and contribute meaningfully to the broader economy. Favorable demographic trends present long-term growth potential. As more Filipinos enter their prime earning years, with greater capacity to earn, borrow, and invest, we are well positioned to support their evolving financial needs. We are thus focused on building enduring customer relationships with our retail clients by offering the right financial solutions at every life stage. Through continuous innovation, we ensure that our products and services remain relevant, responsive, and aligned with the diverse goals of customers across demographics.
"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."

The Bank stands ready to support institutional clients’ financial needs in expanding and bolstering infrastructure developments in the country. By financing critical spending and managing investments, the Bank supported projects in infrastructure, telecommunications and technology, transportation, logistics, and other key industries to advance economic development.

Meanwhile, we have long recognized that our mid-market commercial clients are vital for job creation and regional development, hence, we will continue to focus our efforts in helping them weather periods of uncertainty as well as expand as the economy recovers.

We are also keeping pace with the rapid advancement of the digital economy. In 2025, we scaled the features of our digital platforms, providing multiple functionalities for customers to better access, manage, and even grow their finances.

As we advance to a more digital future, we are continuing with our expansion on the ground. Our branch presence covers various cities and provinces across the country. We also continuously enhance our branches’ frontline services to improve customer experience. 

Managing risk while scaling sustainable finance

At Metrobank, protecting shareholder value requires more than delivering financial performance in a given year. It requires disciplined exposure management, prudent capital allocation, and sustained investment in resilience.

This discipline is evident in how we manage legacy exposures responsibly, finance credible transition pathways, and expand green and social financing where risk-adjusted returns are sound and aligned with long-term national development priorities.

Our financing of renewable energy, energy efficiency, and sustainable water initiatives collectively reached PHP69.9 billion. These are evaluated under our established credit standards and Environmental and Social Risk Management processes, ensuring that growth in sustainable financing does not compromise asset quality.

To date, we have extended more than PHP140.0 billion in committed sustainable finance-eligible loans. A portion of this portfolio is allocated to the development and operations of renewable energy assets delivering several thousand megawatts of installed capacity across solar, wind, hydro, and geothermal technologies. These projects contribute to grid stability, energy diversification, and long-term decarbonization objectives, while also supporting economic development and infrastructure reliability.

Our Sustainable Finance Framework provides the discipline behind this approach. In 2025, we secured an independent Second Party Opinion and received an SQS2 Sustainability Quality Score from Moody’s Ratings. The assessment recognized the quality of our project selection process, governance controls, risk management, and reporting practices.

Growth through responsible engagement

A successful transition must also be inclusive and economically grounded. In 2025, we served 2,972 Micro, Small and Medium Enterprise (MSME) borrowers with PHP34.4 billion in outstanding loans. By providing access to financing, we enable entrepreneurs to expand operations, invest in productivity growth, adopt new technologies, and strengthen resilience. In addition, total remittance flows facilitated through our network reached USD9.8 billion across more than 15 million transactions, supporting household consumption.

Financial resilience also requires knowledge. Through Earnest Learning, LifeBanking guidance, and Wealth Insights programs, we support  clients across life stages and levels of financial complexity. In 2025, financial education initiatives reached more than 1,800 participants nationwide, promoting responsible financial decision-making and long-term wealth creation while equipping them with knowledge on safeguarding themselves against fraud.

Building stronger communities

Our support to communities extends beyond financing.

In 2025, Metrobank Foundation deployed PHP25.5 million in grants to 24 partner organizations across education, health, livelihood development, arts and culture, and disaster resilience. The Metrobank Scholarship Program supports 122 scholars and has produced 1,268 graduates. Metrobank Foundation has been a key proponent to the National Teachers’ Month campaign since its inception 2008. In 2025, the program reached around 300,000 teachers and engaged 90 like-minded organizations supportive of the nationwide advocacy honoring Filipino teachers.

Educational grants for underserved areas supported more than 7,000 learners. Health and nutrition grants reached 750 beneficiaries. Livelihood and MSME development grants served 331 individuals. Disaster response operations assisted 24,726 families across multiple provinces, reinforcing preparedness and recovery capacity. It is in recognition of these initiatives of Metrobank Foundation that Euromoney conferred the title of Best Bank for Corporate Social Responsibility on Metrobank in 2025.

Our employees further strengthened these efforts through the Purple Hearts Club. In 2025, 11,991 members across 85 chapters mobilized volunteer initiatives. Volunteer participation reached 34% of our workforce, contributing more than 7,200 volunteer hours.

Staying strong in a changing environment

The environment, in which we operate will continue to transform. 

"Metrobank will continue to innovate our products and channels to meet the evolving needs of our customers. We will also deepen partnerships among our clients and across the Metrobank Group, fostering collaboration that supports mutual growth and shared success."

At the same time, our growth strategies will remain anchored on disciplined stewardship and financial resilience – foundations that have long defined our promise of “You’re in Good Hands with Metrobank.” 

We extend our sincere appreciation to all our customers, shareholders, partners and fellow Metrobankers for their steadfast support to our initiatives to create meaningful, sustainable impact. Together, we will continue to deliver greater value to our communities, contribute to economic progress, and help build a stronger nation. 

Strength in Action 

Fabian Dee

Fabian Dee

President

Our ability to navigate the challenges in 2025 has been made possible by the dynamic collaboration among Metrobankers and our clients. We supported each other to overcome market hurdles and worked hand in hand in executing our growth strategies. 

Our Growth at a Glance

Despite the moderating growth in the domestic economy, the Bank posted a record net income of PHP49.7 billion in 2025, with pre-provision operating profit rising by 17.1% year-on-year to PHP78.4 billion. Our continued asset expansion, steady margins, strong trading income, and moderate cost growth were the key drivers of our solid performance. 
Net interest income increased by 9.2% to PHP124.6 billion, in line with loan growth as margins stayed resilient despite policy rate cuts. Meanwhile, total non-interest income jumped by 11.6% to PHP33.5 billion, with a modest 6.0% increase in fee and trust income to PHP19.2 billion. In addition, trading and foreign exchange income surged 47.2% to PHP8.2 billion in 2025, backed by strong customer flows and effective management of our investment securities portfolio. Operating cost growth was contained at 3.3% year- on-year to PHP79.7 billion. As a result, cost to income ratio improved to 50.7% from 53.8% in 2024.
We expanded our total consolidated assets by 10.2% to PHP3.9 trillion, making us the second largest private universal bank. Our lending business continued to thrive, as our gross loans increased by 8.8%. We recorded a modest 7.4% expansion in our corporate and commercial loans, in line with GDP growth trends. Meanwhile, consumer loans climbed by 13.9%, with net credit card receivables increasing at a healthy pace of 21.9%, auto loans by 8.9% and housing loans by 7.3%.
Total deposits at the Bank also edged up to PHP2.7 trillion, driven by a 5.9% growth in low-cost Current and Savings Accounts (CASA), which made up at 59.2% of total deposits. With our healthy loan to deposit ratio of 74.9%, customers are assured that Metrobank is well positioned to meet their additional financial needs during the eventual economic recovery.
Our non-performing loans (NPLs) at 1.7%, are well below the industry average of 3.2%. Our NPL cover ratio also stood high at 140.8%, giving us a significant buffer against risks that could affect our asset quality.
Our total equity increased by 9.4% to PHP432.2 billion. The Bank is well above BSP’s minimum regulatory requirements in Capital Adequacy Ratio (CAR) and Common Equity Tier 1 (CET1), recording 16.8% and 16.1%, respectively.
After our solid business performance and robust capital base in 2025, our Board of Directors has recently approved a total cash dividend of PHP22.5 billion or PHP5.00 per share for 2026. Aside from the regular dividend of PHP3.00 per share, a special cash dividend of PHP2.00 was declared, sustaining shareholder returns for the third year.
Our success has also been widely recognized by top financial publications. Metrobank has once again emerged as the “Strongest Bank in the Philippines,” an honor we have received from The Asian Banker for five consecutive years. The same institution also awarded us as the Best Managed Bank.
Metrobank is also acknowledged as the Best Bank for Large Corporates at the Euromoney Awards for Excellence, as well as the Philippines’ Best for Ultra High-Net-Worth at Euromoney Global Private Banking Awards.

Shared Success

The overall success of Metrobank has been largely driven by the collective efforts of our subsidiaries and affiliates.
Philippine Savings Bank (PSBank), our thrift bank subsidiary, grew its total assets to PHP237.3 billion in 2025. Despite industry wide asset quality pressures, PSBank’s consumer NPL ratio fared better than industry, supported by enhanced credit models and disciplined risk management.
First Metro Investment Corporation (FMIC) strengthened its partnership with large corporations, particularly in supporting their sustainability agenda. It successfully completed 20 deals in 2025 including arranging financing for key projects supporting the government’s economic priorities, particularly in renewable energy.
AXA Philippines Life and General Insurance Corporation (AXA Philippines) also finished strong in 2025, recording a double-digit growth in Annualized Premium Equivalent (APE) and gross written premiums in General Insurance.
We also recognized improvements in ORIX Metro Leasing and Finance Corporation’s (OMLF) loan portfolio health, with its NPL ratio reduced to single-digit levels, marking its return to pre-pandemic benchmarks. It further expanded its Electric Vehicle – Full Service Operating lease program and offering financing solutions to small businesses in Mindanao, supporting the Bank’s sustainability and financial inclusion agenda.

Partners in Progress 

Our collaboration at Metrobank has a shared purpose: to better serve our clients and grow with them. We amplified this commitment in Metrobank’s “Let’s Grow Together” campaign in 2025. It highlights our partnership with all our clients, whether it’s small businesses or large enterprises and individual customers, achieve their financial goals by supporting them through loans, investment opportunities, and advisory services, among others. While we ensure that our financial solutions are comprehensive, we also ensure clients find the right products and services through our suitability guides and financial education initiatives.

"As the frontliners of the Bank’s commitment to grow together with our clients, Metrobankers play a pivotal role in advancing our strategy."

In turn, we remain steadfast in supporting their growth and equipping them with the tools, training, and opportunities they need to succeed.

We continue to invest in the professional development of our Metrobankers, anchored in delivering enhanced customer experiences across all our channels. Our Relationship Managers, branch personnel, and investment counselors are continually enhancing their capabilities to engage clients more meaningfully and provide solutions that best address their needs.

Having seen the value of strong relationships across our business units and with our clients, Metrobank will further strengthen collaboration to optimize our banking solutions and channels. Furthermore, we will continue to expand our client base by reaching a broader range of demographics, especially younger generations.

 Looking ahead

Despite seeing a slower economy in the last quarter of 2025, we are still optimistic about what Metrobank can do in 2026. The growth of our commercial business is closely aligned with real GDP growth, with financing working capital needs of businesses taking up a substantial portion of the loan book. We expect a recovery as soon as the government is able to implement its public works agenda. The topconglomerates and corporates are continuing to pursue their capital spending plans. We are quite positive on the outlook for our consumer business. We have already consolidated the management of consumer loans and deposits under one team, making the approach to customer expansion strategies more holistic. 

"We have all the necessary buffers in place. Our high NPL cover prepares us for whatever contingency that may come. We have maintained a strong balance sheet with high capital ratios and we have more than sufficient liquidity. Hence, we are well-prepared to leverage on the growth opportunities."

We sincerely acknowledge the dedication of our Metrobankers and the guidance of our Board of Directors, which have been instrumental in driving sustainable growth. To our customers and communities, we reaffirm our commitment: you are truly in good hands, and we look forward to continuing this journey of growth together in 2026 and beyond. 

Annual & Sustainability Report 2025

Explore the full sustainability disclosures and performance