Manila: The Metropolitan Bank and Trust Co. (Metrobank) experienced a 3.3 percent rise in net income in 2025, amounting to PHP49.7 billion, up from PHP48.1 billion in 2024, primarily due to robust loan growth.

According to Philippines News Agency, Metrobank disclosed to the Philippine Stock Exchange that its net interest income rose by 9.2 percent to PHP124.6 billion, spurred by an 8.8 percent increase in gross loans. The growth in loans was driven by a 7.4 percent rise in corporate and commercial loans, reflecting economic trends, while consumer loans grew at a faster pace of 13.9 percent.

Total deposits reached PHP2.7 trillion, with low-cost Current and Savings Accounts making up 59.2 percent. The bank's loan-to-deposit ratio was at 74.9 percent, indicating ample capacity to meet additional customer funding needs.

Non-interest income increased by 11.6 percent to PHP33.5 billion, with trading and foreign exchange income jumping 47.2 percent to PHP8.2 billion, aided by strong customer flows and favorable trading conditions. Operating costs went up by 3.3 percent to PHP79.7 billion, while the non-performing loans ratio concluded 2025 at 1.7 percent, below the industry's 3.2 percent.

Metrobank president Fabian Dee commented in the disclosure, "This full-year performance reflects the trust of our clients, the dedication of our people, and our commitment to disciplined growth. We continue to strengthen our balance sheet while expanding support to businesses and consumers who drive the Philippine economy. Our focus remains clear, and that is, to grow alongside our stakeholders and contribute to the country's sustained progress."