Do not harm:
We rationalize exposure to closely monitored industries, plan for the gradual wind-down of environmentally and socially harmful activities, and align with government targets for identified high-risk sectors.
Sustainability Report 2025
Sustainable finance
At Metrobank, sustainable finance reflects how we translate financial strength into lasting environmental and social impact.
Sustainable Finance Framework
Our Sustainable Finance Framework (SFF) gives structure to how we identify, evaluate, and finance projects with measurable sustainability outcomes. It reflects our commitment to channeling capital responsibly, ensuring that every facility we extend under the SFF meets defined environmental and social criteria without compromising asset quality or portfolio resilience.
The SFF is built on internationally recognized standards, including the ICMA Green Bond Principles, Social Bond Principles, and Sustainability Bond Guidelines, the LMA/LSTA/APLMA Green and Social Loan Principles, the ASEAN Capital Markets Forum Bond Standards, the ASEAN Taxonomy for Sustainable Finance, and the Philippine Sustainable Finance Taxonomy Guidelines. This alignment keeps our sustainable finance activities credible, comparable, and responsive to both regulatory expectations and investor priorities.
Our sustainable finance strategy is guided by three core principles:
Do Good:
We support transition finance for hard-to-abate sectors, providing borrowers with the financing they need to advance their own sustainability journey.
Do more:
We identify and grow opportunities within our sustainable loan book, strengthening our sustainable products portfolio to accelerate meaningful environmental and social impact at scale.
Driving Green and Social Impact
Our SFF governs the issuance of green, social, and sustainability financial instruments. Net proceeds are allocated to eligible project categories with defined environmental and social benefits, subject to our Environmental and Social Risk Management framework and internal credit processes.
We apply an exclusion criteria to ensure that proceeds are not used for activities that cause material environmental or social harm. All allocations are tracked through established internal systems, with annual reporting on how capital has been deployed and, where practicable, the environmental and social outcomes it has produced.
With these processes in place, we have extended more than PHP 140 billion in SFF-aligned committed facilities to date, supporting large-scale projects that deliver meaningful environmental and social outcomes.
In 2025, we continued to support landmark renewable energy projects that strengthen grid stability and accelerate decarbonization.
We supported the PHP 36.27 billion acquisition of the Caliraya-Botocan-Kalayaan (CBK) Hydroelectric Power Plant Complex by a consortium of Aboitiz Renewables, Sumitomo, and J-Power. With 797 MW of installed capacity, CBK accounts for over 4% of Luzon's total installed capacity. Beyond generation, CBK hosts the largest pumped storage hydroelectric facility in the Philippines, providing essential grid-balancing services that support the integration of intermittent renewable sources such as solar and wind.
Building on this commitment to grid stability, we are also strengthening our long-standing partnership with ACEN to accelerate renewable expansion across the Philippines and Asia Pacific. We extended additional green financing to support its growing portfolio of approximately 7 GW of renewable capacity, with about 2.7 GW under construction and in committed phases. Looking ahead, ACEN plans to deploy approximately PHP 80 billion in capital expenditure in 2026 to advance its renewable pipeline in line with the Ayala Group's net zero target by 2050.
Through these partnerships, we help secure the grid today while driving the country's steady shift toward a cleaner and more resilient energy future.
External Review and Second-Party Opinion
To reinforce the credibility of our sustainable finance activities, we obtained an independent Second Party Opinion from Moody's Ratings. Moody's assigned the Framework an SQS2 Sustainability Quality Score, indicating a “Very Good” contribution to sustainability and strong alignment with international principles.
The review recognized the quality of our project selection processes, the transparency of our reporting practices, and the relevance of our eligible categories, particularly in renewable energy, energy efficiency, and sustainable water management. This independent validation strengthens investor confidence and affirms our commitment to disciplined risk management, transparency, and measurable contribution to sustainable development.
The Sustainable Finance Framework and Second Party Opinion documents are available for download:
Financial Inclusion
We remain a trusted partner for Filipinos who want to save, manage their finances, and move closer to their goals, meeting them wherever they are in their financial journey.
Access and Affordability
As of 2025, 55% of our branch network sits outside Metro Manila. Our global footprint of 5 foreign branches and 100 international remittance partners facilitated USD 9.81 billion in remittances, keeping overseas Filipinos connected to their families.
MSME Empowerment
In 2025, we served 2,972 MSME borrowers with PHP 35.95 billion in outstanding loans. The Business Banking Center supports digital onboarding through Metrobank Business Online Solutions, helping enterprises manage their finances with greater ease.
Digital Banking
In 2025, Mobile SOA recorded approximately 13.60 million transactions monthly. The Metrobank Interactive Assistant (MIA) logged more than 5.52 million chatbot interactions, keeping support available to customers anytime, anywhere.
Financial Literacy
Through Earnest Learning, LifeBanking, and Wealth Insights, we equip clients across all life stages with the tools to build wealth responsibly, plan ahead, and protect themselves against fraud.