Metrobank hits record $635.77m earnings in 9M 2025

NPL ratio of 1.7% is lower than the 3.6% industry average, the bank said.

Metropolitan Bank & Trust Co. (Metrobank) delivered record earnings of $635.77m (PHP37.3b) in the first nine months of 2025, according to a bourse filing.

The Philippine bank attributed this to solid loan growth, improving margin trend, healthy trading income, and well-managed cost growth.

Pre-provision operating profit grew 12.1% year-on-year (YoY) to $1.01b (PHP59.2b) over the same period.

Net interest income rose by 7.1% to $1.56b (PHP91.8b) in 9M 2025, owing to broad-based gains across business segments and sustained quarterly margin improvement, Metrobank said.

Gross loans rose 10.8% to $32.39b (PHP1.9t). Consumer loans rose by 15.8%, whilst institutional loans grew by 9.5%. Non-performing loans (NPL) ratio is at 1.7% as of September 2025, lower than the 3.6% NPL ratio industry average as of August 2025.

Total deposits rose 7.6% to $42.61b (PHP2.5t), of which $25.57t (PHP1.5t) are low-cost current and savings accounts (CASA), Metrobank said. Loan to deposit ratio is 76.6%.

Non-interest income grew 5.3% to $432.94m (PHP25.4b) during the same period, on the back of growth in service fees and trust income.

Trading and foreign exchange gains rose by 18% to $112.5m (PHP6.6b).

Operating cost growth rose 1.7%, with cost-to-income ratio falling to 49.8% in 9M 2025 compared to 52.2% in 9M 2024.