ADVISORY: All debit/prepaid card, ATM, CAM, and WDM services will be offline for maintenance on May 9-10. Please plan your transactions early or use the app/online services instead.
Operational Highlights
Meaningful synergies at Metrobank
Reflecting on our performance in 2025, we recognize the value of collaborative growth across our subsidiaries and affiliates, as well as with our institutional and individual clients.
Despite market headwinds in 2025, we remained proactive in driving progress for our business and our clients through stronger collaboration across our subsidiaries, affiliates, and business units. This integrated approach enabled us to capture opportunities across segments while reinforcing long-term relationships.
Our Corporate and Commercial Banking Groups supported expansion initiatives, mobilizing more than PHP 140 billion under our Sustainable Finance Framework, while our institutional loan portfolio grew 7.4% year-on-year. Our Transaction Banking Group expanded our CASA base by acquiring new institutional clients, while our Financial Markets Sector deepened engagement with high-net-worth and ultra-high-net-worth clients through enhanced investment platforms.
At the same time, our Trust Banking Group recorded a 64.4% increase in Assets Under Management to PHP 955.8 billion, while our Consumer Business Sector sustained growth across lending segments. We also expanded our network to 967 branches, contributing to a 5.9% increase in CASA balances to PHP 1.6 trillion.
Together, these efforts demonstrate how our integrated approach continues to strengthen our franchise—enabling us to deliver consistent growth while creating shared value for our clients.
Banking for business growth
We continued to support business expansion and national development through a balanced strategy of lending growth, client diversification, and transaction banking expansion.
Our Institutional Business Sector delivered 7.4% loan growth, driven by sustained demand across corporate, commercial, and SME segments. We played a key role in advancing renewable energy and infrastructure, including a PHP 15 billion Green Loan Facility to ACEN, participation in the PHP 150 billion Terra Solar project, and support for major hydroelectric and energy storage developments. We also facilitated Smart Communications’ PHP 2 billion Green Loan to support 5G expansion.
Alongside this, we expanded our Commercial Banking reach by targeting underserved and high-potential segments, including dealer networks and supply chain partners, while maintaining strong relationships with existing clients. Our Transaction Banking Group recorded a 9.0% increase in utilization of cash management and trade solutions, as we focused on capturing operating cash flows and strengthening CASA relationships.
Through these combined efforts, we continue to build a more diversified, resilient, and future-ready corporate banking portfolio that supports both client growth and national development.
Resilience in volatility
Despite global market uncertainty and policy rate adjustments, we maintained a disciplined and resilient approach to managing our financial markets business.
Our Financial Markets Sector sustained strong performance, maintaining a 3.6% net interest margin despite rate cuts, while trading and foreign exchange income increased by 47.2% to PHP 8.2 billion, driven by strong customer flows.
Through proactive portfolio management and a focus on client-driven activity, we were able to navigate volatility while preserving margins and liquidity.
As market conditions continue to evolve, we remain focused on delivering data-driven solutions that help our clients manage risks and capture opportunities.
Building client wealth proposition
We continued to strengthen our wealth platform by deepening relationships across high-potential, high-net-worth, and ultra-high-net-worth clients, supported by stronger integration across our investment businesses.
Our Trust Banking Group delivered 64.4% AUM growth to PHP 955.8 billion, while Investment Distribution AUM increased by 16.0%, driven by improved digital engagement and advisory-led strategies. We enhanced accessibility through digital onboarding tools and platforms such as Metrobank Wealth Manager, enabling clients to make more informed investment decisions.
Our Private Wealth Division sustained strong growth and was recognized by Euromoney as the Best Bank for Ultra High Net Worth Individuals in 2025, reflecting our continued focus on delivering personalized and integrated solutions.
Through these efforts, we continue to strengthen our wealth proposition—supporting our clients in growing, managing, and preserving their wealth over the long term.
Growth and innovation in retail banking
Our Consumer Business Sector sustained strong momentum in 2025, driven by growth across lending, cards, and digital engagement.
Credit card receivables grew 20.9%, supported by a 14.0% increase in customer base and 16.0% rise in billings, while auto and home loan portfolios expanded by 8.7% and 7.3%, respectively. Asset quality remained sound, with an NPL ratio of 4.3%, below the industry average.
Digital adoption accelerated, with penetration reaching 48.0%, supported by improvements in customer experience and stronger engagement, as reflected in our top-tier Net Promoter Score.
By continuously enhancing our products, platforms, and partnerships, we are well-positioned to meet evolving consumer needs and sustain long-term retail growth.
Optimized channels and engagements
We continued to strengthen how customers access and experience our services by enhancing both our physical and digital channels, while reinforcing trust, responsiveness, and operational excellence.
We expanded our network to 967 branches and 2,242 ATMs, contributing to a 5.9% increase in CASA balances to PHP 1.58 trillion. At the same time, we improved the customer journey through simplified onboarding, pre-filled data, better card delivery, and reduced waiting times.
We invested PHP 2.1 billion in digital capabilities, achieving 47.7% digital penetration and growing active users by 22.4% to 1.9 million. Enhancements reduced call volumes by 30% and improved remittance processing to as fast as 10 seconds. Customer feedback mechanisms were also strengthened, with AI-enabled insights improving responsiveness and service delivery.
We reinforced customer trust through stronger consumer protection measures, enhanced fraud prevention, and consistent adherence to transparency and data security standards. At the same time, we continued to invest in our people across the organization, strengthening service capabilities and ensuring more consistent and effective customer interactions.
Through these combined efforts, we are delivering a more seamless, secure, and customer-centered banking experience—ensuring that our customers remain in good hands at every touchpoint.