Metrobank (Metropolitan Bank & Trust Co.) has posted a record net income of $635.77 million (PHP 37.3 billion) for the first nine months of 2025, marking a significant milestone in the Philippine bank’s financial performance. The bank attributed this strong performance to robust loan growth, improved margin trends, healthy trading income, and well-controlled cost management, according to a bourse filing.
Pre-provision operating profit surged 12.1% year-on-year (YoY), reaching $1.01 billion (PHP 59.2 billion) during the period. The bank’s net interest income also saw an increase of 7.1%, totalling $1.56 billion (PHP 91.8 billion) for the nine-month period. This growth was driven by gains across various business segments and continued quarterly improvements in margins.
Metrobank’s gross loans rose by 10.8%, reaching $32.39 billion (PHP 1.9 trillion). Consumer loans expanded by 15.8%, while institutional loans grew by 9.5%. The bank’s non-performing loan (NPL) ratio stood at 1.7% as of September 2025, significantly lower than the industry average of 3.6% reported for August 2025.
Total deposits increased by 7.6%, reaching $42.61 billion (PHP 2.5 trillion), with low-cost current and savings accounts (CASA) accounting for $25.57 billion (PHP 1.5 trillion). The loan-to-deposit ratio was 76.6%, the bank said.
Non-interest income also grew by 5.3%, totalling $432.94 million (PHP 25.4 billion), driven by increases in service fees and trust income. Trading and foreign exchange gains rose by 18%, reaching $112.5 million (PHP 6.6 billion).
Operating costs rose by just 1.7%, and the bank’s cost-to-income ratio improved to 49.8% in 9M 2025, down from 52.2% in the same period last year.