Social wellbeing

We use our financial strength to widen access, support MSMEs, and deliver services that create real and lasting value for our customers. 

We extend banking to where Filipinos live, work, and build their futures. As of 2025, 395 branches or 55% of our domestic network sit outside Metro Manila. Our international network of 5 foreign branches, 21 subsidiaries, and 100 remittance partners facilitated USD 9.81 billion across more than 15.26 million transactions, keeping overseas Filipinos connected to their families. 

Supporting MSMEs

MSMEs account for 99.5% of Philippine businesses and 63% of the workforce. In 2025, we served 2,972 MSME borrowers with PHP 35.95 billion in outstanding loans through purpose-built financing solutions, including SME Puhunan Loans, Franchise Business Loans, and Agri Business Loans. 

Note: Transaction count in thousands. 

* With debit card or passbook. 

Enabling Products and Services

Financial inclusion becomes meaningful when people can act on it. We design products and services that respond to how Filipinos actually earn, spend, save, and plan, reducing barriers and supporting progress that can be sustained across life stages and economic cycles. 

Savings for Every Life Stage 

Saving looks different at every stage of life, and our accounts are built to reflect that. The Fun Savers Club and Spark Savings Account help children and young Filipinos start early. The OFW Savings Account gives overseas workers a secure and reliable way to save and send money home. Retirees can receive pension benefits directly through SSS and US Pensioner Accounts. 

We introduced Metrobank eSavings Account for first-time and digital-first savers, particularly Gen Z clients, making it possible to open and manage an account entirely through the Metrobank App, with no friction and no barriers to getting started. 

Metro Aspire Funds are designed to make investing habitual and manageable. With automatic monthly contributions aligned with payroll cycles and manageable minimum investments, they lower the barriers that keep many Filipinos from starting. Three options serve different risk profiles: the Bond Feeder Fund for income-focused investors, the Balanced Feeder Fund for those pursuing both income and growth, and the Equity Feeder Fund for clients seeking long-term capital appreciation. 

* Inclusive of both with and without Regular Subscription Plan (RSP)

Retirement Planning

Long-term security requires early and deliberate planning. Our PERA UITFs offer tax-exempt, portable retirement savings that stay with participants across job transitions. Three funds cater to different risk preferences: the Money Market Fund for capital preservation, the Bond Fund for steady income above traditional deposits, and the Equity Fund for long-term appreciation.   

In 2025, we joined the BSP's Open Finance initiative for PERA, enabling more seamless and digitally enabled retirement solutions for Filipinos. 

Everyday Spending with Confidence

Managing day-to-day expenses requires tools that give customers visibility and control. Our 0% Installment feature helps manage cash flow for higher-value purchases. M Online and Mobile SOA make it easy to track spending and access account information anytime, anywhere. MIA supports self-service account management through guided digital prompts.  

For customers who value travel and rewards, the Metrobank Travel Signature Visa lets everyday spending translate into meaningful benefits while reinforcing responsible usage. 

Financial Literacy

Financial strength begins with understanding. In 2025, we reached 46,982 individuals through 674 learning activities delivered online and onsite nationwide, covering students, overseas workers, microentrepreneurs, and individuals with limited access to formal financial services. 

We communicate our products and services with transparency and clarity, applying consistent information and labelling standards across 100% of our significant product categories and ensuring all marketing materials align with BSP, PDIC, SEC, and DTI requirements. 

 In 2025, we recorded zero non-compliance incidents across product labelling, marketing communications, and promotions, with no fines or penalties issued. Beyond compliance, products like our Goals Made Real promo reflect our commitment to selling practices that genuinely respond to what our customers need. 

Our digital channels keep customers informed, supported, and in control. Each tool is designed to bring banking closer and make every interaction more meaningful. Scamproof.ph reinforces protection against fraud through practical guidance on recognizing and avoiding fraudulent schemes, supported by regular advisories and mandatory employee training on emerging security risks. 

Safeguarding customer data and ensuring the integrity of our transaction systems are fundamental to maintaining trust. We protect the confidentiality, integrity, and availability of customer information across digital banking and remittance platforms, managing these risks with the same discipline we apply to financial performance. 

Our information and cybersecurity framework aligns strategy, policies, and risk management with business objectives and regulatory requirements. Governance flows from the Board through the IT Steering Committee and IT Governance Committee, down to the CISO-led Information Security Division and the Data Privacy Department, which ensures compliance with the Data Privacy Act of 2012. 

In 2025, we identified 204 data breach incidents, all investigated and resolved in accordance with established procedures. Of the 153 customer privacy complaints received, none came from regulatory bodies. We implemented 14 data privacy initiatives during the year, strengthening compliance, streamlining processes, and reinforcing accountability through the appointment of Business Risk Managers as Data Privacy Champions. 

We conducted 11 data privacy orientations and awareness seminars for branches, business units, and external partners. The Data Privacy Department's Customer Satisfaction Survey, covering contract review, incident resolution, privacy impact assessments, training, and legal opinions, returned consistently strong ratings across service areas. 

In October, Metrobankers joined the global Cybersecurity Month celebration under the theme "Secure Our World," reinforcing the shared responsibility of protecting our systems, our customers, and our country through daily vigilance and disciplined practice.

We invest in our people with the same discipline we bring to our business, building a workforce that is capable, confident, and cared for. 

A strong employee experience starts with listening and is sustained through action. In 2025, we sharpened how we hear from our people, how we translate feedback into meaningful change, and how we reinforce accountability across the Bank. 

The 2025 MetroVoice Survey, conducted independently by Willis Towers Watson, achieved a 96% participation rate and returned a 92% Sustainable Engagement score, improving year-on-year and performing above national, global high-performance, and financial services benchmarks. Results showed improvements in empowerment, learning and career development, collaboration, leadership, and values.  

Based on the results, we identified three priority focus areas: Total Rewards, to better align pay with performance; Execution Excellence, to accelerate decision-to-action; and Communication, to strengthen upward feedback in a safe and open environment. Business units translated these into targeted programs with progress monitored through regular check-ins. 

We are committed to fostering a workplace where everyone is treated with fairness, dignity, and respect. Our approach is grounded in non-discrimination and fair employment, applied consistently across the organization and reinforced by our Corporate Governance Manual, which mandates an appropriate balance of skills, experience, gender, age, and geographic representation across our workforce.  

As of December 31, 2025, we employed 15,820 full-time permanent employees across Metro Manila, Luzon, Visayas, and Mindanao, of whom 10,244 are women, and 5,576 are men, with women holding 41% of top management positions. During the year, we hired 1,428 new employees, primarily for rank-and-file and junior management roles. 

We are committed to fostering a workplace where everyone is treated with fairness, dignity, and respect. Our approach is grounded in non-discrimination and fair employment, applied consistently across the organization and reinforced by our Corporate Governance Manual, which mandates an appropriate balance of skills, experience, gender, age, and geographic representation across our workforce.  

As of December 31, 2025, we employed 15,820 full-time permanent employees across Metro Manila, Luzon, Visayas, and Mindanao, of whom 10,244 are women, and 5,576 are men, with women holding 41% of top management positions. During the year, we hired 1,428 new employees, primarily for rank-and-file and junior management roles. 

We respect human rights and uphold fair labor practices aligned with the UN Global Compact and ILO core conventions. We maintain zero tolerance for human trafficking, forced labor, child labor, discrimination, and harassment across our operations and business relationships. In 2025, we recorded zero discrimination incidents and zero substantiated human rights grievances.  

We respect employees' rights to freedom of association and collective bargaining. Our recognized employee union represents 6,340 members, equivalent to 88% of regular employees in 2025, covered by the 2025-2027 Collective Bargaining Agreement. We held 7 Labor Management Committee meetings during the year to surface concerns early and support timely resolution. 

All employees receive and acknowledge the Code of Conduct upon onboarding and complete regular refresher training. Our policies prohibit discrimination across all protected characteristics and are supported by dedicated programs and clear grievance channels. 

We design learning and development to deliver the right skills at the right time for the right people. Our approach is grounded in strategic alignment and competency-based learning, delivered through a structured portfolio covering Foundational, Functional, and Leadership capabilities. 

In 2025, employees completed an average of 50.16 training hours, reflecting expanded participation in targeted, role-based, and immersive learning programs. 

We prepare leaders at every stage through the Junior and Senior Leadership Development Programs, LEAP for future senior leaders, and the People Manager Series for newly appointed managers. As digital transformation reshapes banking, we continue to strengthen data and technology fluency through programs in AI, Copilot on Microsoft 365, analytics, and agile ways of working.

In 2025, 97% of employees completed performance reviews and 91% of promotions were filled internally, reflecting a strong culture of growing talent from within. Educational assistance was extended to 564 employees and eligible dependents through MEADE, MEGA, and MBA support programs.

* Internal hires relative to total vacancies in the reporting year.

Demographic shifts affect skills continuity and leadership readiness. Our workforce is concentrated below the age of 40, which supports renewal but underscores the importance of knowledge transfer and succession planning in specialized and leadership roles. 

In 2025, the hiring rate declined to 9% while total attrition reached 11.39%, driven largely by voluntary separations among younger and mid-career employees. We address these trends through proactive workforce planning, structured succession processes, and targeted capability development to preserve institutional knowledge and sustain leadership continuity as our workforce evolves. 

We are committed to maintaining a safe, healthy, and supportive work environment. Our Occupational Health and Safety Management System (OHSMS) is anchored on prevention, preparedness, and care, supported by structured governance, measurable targets, and continuous monitoring across our operations.  

In 2025, safety performance remained stable. Total man-hours worked exceeded 31.46 million, with 15,811 employees covered under the OHSMS. No reported incidents resulted in reduced safe man-hours. Four safety drills, including earthquake drills, were conducted across sites to strengthen emergency preparedness. 

We direct our strength toward the communities we serve, funding programs that build resilience, expand opportunity, and create enduring impact. 

We direct our strength toward the communities we serve, funding programs that build resilience, expand opportunity, and create enduring impact. Our engagement works through three complementary platforms: employee-led volunteerism through the Purple Hearts Club, structured community development through Metrobank Foundation, and education and inclusion initiatives through our subsidiaries. 

Employee Volunteerism through the Purple Hearts Club 

In 2025, volunteer participation rose to 34%, with 1,614 employees contributing more than 7,200 volunteer hours across 85 PHC chapters nationwide. Employees raised PHP 2.7 million in funds for chapter-led initiatives. We recognized 39 chapters through the PHC Bayanihan Awards and extended PHP 409,000 in calamity assistance to 40 employees severely affected by typhoons, fires, and earthquakes. 

Metrobank Foundation Program Highlights 

Guided by its Excel, Engage, Empower philosophy, Metrobank Foundation works across six thrusts in close partnership with schools, local governments, and civil society organizations to ensure programs are grounded in local realities and aligned with national priorities. 

Thrust	Program and Key Activities	2025 Performance	SDGs Supported
Excellence Recognition	Metrobank Foundation Outstanding Filipinos National search and recognition of exemplary teachers, soldiers, and police officers. Engagement: Implemented through formal partnerships with DepEd, CHED, AFP, and PNP covering nomination, selection, judging, and recognition; awardees mobilized through alumni networks, including NOTED, TOPSOLDIERS, and PROTECT, and initiatives such as the GPS2 outreach program and other pay-it-forward activities.	● 10 awardees recognized (4 teachers, 3 soldiers, 3 police officers); 725 cumulative awardees since 1985 ● PHP 21.8 million in cash and in-kind awards ● 43 teachers and 10 PNP and Special Education personnel supported through ICT donations and distribution of 981 workbooks ● 85 teachers and police officers, 33 farmers, and 61 students reached through health and preparedness initiatives ● 200 hygiene kits and 344 slippers distributed to learners ● 15 mobility aids and 5 barangay generators deployed, with food packs and emergency equipment provided ● 480 employee volunteer hours ● Information campaigns, partner issuances, and alumni-led initiatives
Arts and Culture	Metrobank Art & Design Excellence (MADE) National competition in painting, sculpture, and mixed media; exhibitions and artist development 2025 theme: “Boundless,” introducing Mixed Media as the Featured Medium Engagement: Artists engaged through competitions, exhibitions, workshops, and alumni networks; partnerships with museums, art institutions, and cultural organizations	● 41st cycle held with 7 awardees (3 Grand, 4 Special Citations); 435 cumulative artists since 1984 ● 300% increase in submissions, with entries from all 17 regions ● Month-long exhibition “Vast Horizon” with 2,484 visitors ● PHP 10.0 million in program support ● 300 employee volunteer hours ● Artist development workshop with KATHA Pilipinas
	Arts Education and Cultural Outreach Exhibitions, guided tours, learning activities Engagement: Teachers, students, and employees engaged through exhibition tours and learning activities; collaboration with cultural partners	● 1 exhibition and multiple guided tours ● PHP 5.0 million in support ● 100 employee volunteer hours
Education	Metrobank Scholarship Program Scholarships, allowances, leadership development, and training-to-employment; expanded support through ACCESS, MBFI-BOYSEN, and MBTC STRONG, including the BOYSEN partnership for Architecture students from National University and the University of Santo Tomas. Engagement: Regular engagement with school coordinators to monitor scholar performance; scholar development through iCAN kumustahan sessions and MINDSET formation programs; alumni engagement	● 122 current scholars (50 ACCESS IV, 8 BOYSEN, 64 STRONG); 1,268 cumulative college graduates ● PHP 27.28 million scholarship financial support ● PHP 3.36 million total BOYSEN grant (AY 2024–2028 commitment) ● Leadership and values formation sessions conducted ● Training-to-employment pathway for STRONG scholars
	National Teachers’ Month (NTM) Nationwide advocacy honoring Filipino teachers, with the 2025 celebration focused on Early Childhood Care and Development (ECCD) and equipping educators with age-appropriate, play-based digital tools. Engagement: Led by MBFI as National Secretariat; engagement of government, NGOs, business, faith-based groups, and schools through the National Coordinating Council	● 90 partner organizations engaged; 1,515 organizations since 2008 ● 134 gratitude initiatives nationwide ● Around 300,000 teachers reached ● PHP 509.7 million estimated value of partner-led and sector-supported initiatives ● 400 employee and student volunteer hours
	SOLUTION Math Remediation Program Teacher training and learner remediation; numeracy support integrating Teaching at the Right Level (TaRL), Social and Emotional Learning (SEL), and structured Saturday sessions for Grades 4 to 6 learners. Engagement: Implemented with DepEd and AHA Learning Center; parents engaged to support learning continuity; Purple Hearts Club volunteers integrated into delivery; third-party evaluation conducted by NOTED.	● Pilot launched June 28, 2025 at San Miguel Heights Elementary School, Valenzuela City ● 6-session Saturday remediation program implemented ● 151 learners supported ● 12 teachers trained in TaRL and SEL strategies ● Around 12 PHC volunteers mobilized per session
	Education Grants (GIDA and Vulnerable Schools) Learning kits, literacy and numeracy remediation, and teacher capacity building; targeted support for early-grade learners, struggling readers, STEM-focused students, indigenous communities, and underserved schools nationwide. Engagement: Partnerships with socio-civic organizations and schools; community volunteers and teachers engaged in program delivery	● 1,216 learners (Cagayan Valley), 365 learners (Sorsogon), and 156 learners (Sarangani) provided learning kits ● 3,620 academically challenged learners supported across literacy and numeracy programs ● 120 non-readers and frustrated readers (Grades 4–6) supported under UPLB READ Program (4 schools in Laguna) ● 1,000 senior high school students targeted under KHAN Academy Philippines Math Intensive After School Learning Program (2-year pilot, Region XI) ● 500 low-performing learners supported through Silid Aralan (South Cotabato and Tacloban) ● 150 struggling public school learners supported under Binhi English Literacy Program; 15 teachers capacitated ● 80 Grades 3-6 learners supported under World Vision Brigada Pagbasa-Kalinga Aralan; 40 community volunteers capacitated ● 51 underprivileged students supported (Bakhita Canossa Foundation, Eastern Samar) ● 41 underprivileged students supported (MSC Mission Office, Caloocan City) ● 25 child development workers and teachers serving indigenous communities capacitated (Cartwheel Foundation, 6 provinces) ● Filipino-language leveled books for Grades 1–3 developed and distributed (Give Me A Book Foundation) ● Literacy package and teacher training implemented under UPLB READ Program ● PHP 9.25 million grants (12 organizations)
	Metrobank Foundation Professorial Chairs Academic lectures and professional knowledge sharing Engagement: Partnerships with government and academic institutions; public lectures and knowledge-sharing activities	● 5 professorial chairholders conferred in law and medical education ● PHP 550K program expenditure ● Partnerships with PhilJA, Foundation for Liberty and Prosperity, and UST
Health	Health and Nutrition Grants Nutrition, feeding, maternal and child health, and WASH-related interventions; support for the first 1,000 days, supplemental feeding for wasted learners, and capacity building for local health and nutrition workers. Engagement: Collaboration with NGOs, barangay health workers, barangay nutrition scholars, parents, caregivers, DepEd, and the National Nutrition Council.	● 375 beneficiaries including malnourished children aged five and below, nutritionally at-risk pregnant women, infants, and barangay health and nutrition workers ● 30 nutritionally at-risk pregnant women, 30 infants, and 15 BHWs/BNS supported under the MaMa First 1000 Days Program in Zamboanga Sibugay ● 36-month comprehensive maternal and early childhood nutrition intervention implemented ● Backyard gardening and nutrition education integrated for sustainable food access ● 300 wasted and severely wasted Kindergarten to Grade 3 learners supported under a 120-day supplemental feeding program in Camarines Sur ● Health, nutrition, and vegetable gardening sessions conducted for parents and caregivers ● PHP 2.03 million in health grants
Social Development and Poverty Alleviation	Livelihood and MSME Development Grants Skills training, enterprise development, food security, eco-tourism Engagement: Community-based implementation with LGUs, cooperatives, MSMEs, solo parents, PWDs, fisherfolk, and military families	● Livelihood programs implemented with Bayo Foundation, East-West Seed, Good Neighbors, and ICCP Group Foundation ● 331 individuals directly supported ● PHP 2.91 million grants (4 organizations)
Special Interventions and Arts-Related Social Projects Support for IPs, PWDs, women, and cultural institutions	1,775 individuals reached PHP 2.00 million grants (2 organizations)
Disaster Risk Reduction	Disaster Response and Relief Operations Emergency relief, shelter repair, water, and hygiene support; timely assistance for communities affected by natural hazards across multiple provinces. Engagement: Local implementation with Metrobank branches as partners; coordination with NGOs and LGUs	● 24,726 families assisted across multiple provinces ● PHP 12.95 million assistance deployed (food packs, hot meals, shelter repair kits, water, hygiene kits) ● PHP 7.46 million grants in disaster assistance
	DRRM Prevention, Mitigation, and Preparedness Capacity building, early warning, evacuation support, and emergency equipment; community-based preparedness initiatives including equipment turnover and evacuation readiness activities. Engagement: Engagement with local responders, fisherfolk, barangay officials, and community volunteers	● 35 local service providers trained for psychosocial intervention ● 1 fire tanker donated to San Andres Manila Fire and Rescue Volunteer Association (SAMFRVAI), benefiting ~10,000 residents ● 123 fisherfolk trained in evacuation and disaster preparedness ● PHP 1.50 million grants (2 organizations) ● Fire truck provided benefiting ~10,000 residents

We embed social responsibility into how we build and manage our partnerships, working with institutions that share our standards for integrity, accountability, and inclusive growth. Our partners bring sector expertise, community presence, and implementation capacity, extending our reach across healthcare, education, livelihood, disaster risk reduction, and special interventions. 

Each partnership is formalized through clear agreements covering roles, responsibilities, and governance standards. We select partners based on alignment with our priorities, institutional capability, and track record. 

We measure effectiveness through a Results-Based Management approach, reviewing progress monthly against milestones and conducting annual performance analyses. We gather feedback through partner forums, focus group discussions, and for major initiatives, independent impact studies, ensuring our partnerships translate into measurable outcomes and lasting shared value.