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Metropolitan Bank &amp; Trust Co. (Metrobank) reported record net earnings of PHP 37.3 billion in the first nine months of the year, driven by solid loan growth, improving margin trend, healthy trading income alongside well managed cost growth. Pre-provision operating profit in 9M 2025 grew 12.1% year-on-year to PHP 59.2 billion. 

“Our prudent approach in expanding our core businesses continued to support our performance in the first nine months. We’re confident that the Philippines’ long-term growth story remains strong,&quot; said Metrobank President Fabian S. Dee. 

“We continue to be committed in helping our clients seize opportunities for growth as we navigate together any challenges and uncertainties on our journey ahead.” he added.

The Bank’s net interest income increased by 7.1% to PHP 91.8 billion in the first nine months of the year, owing to broad-based gains across business segments and sustained quarterly margin improvement. 

Gross loans expanded by 10.8% year-on-year to PHP 1.9 trillion, with consumer loans rising by 15.8%. Institutional loans likewise rose by 9.5%. Meanwhile, total deposits amounted to PHP 2.5 trillion, up 7.6% year-on-year, of which PHP1.5 trillion are low-cost current and savings accounts (CASA). Loan to deposit ratio of 76.6% reflects ample capacity to support client funding needs.

Non-interest income grew 5.3% to PHP 25.4 billion during the first nine months, driven by steady growth in service fees and trust income. Trading and foreign exchange gains surged by 18% to P6.6 billion, driven by continued growth in customer flows and effective management of the investment securities portfolio. 

Operating cost growth was well contained, rising by just 1.7% year-on-year. Consequently, cost to income ratio fell to 49.8% from 52.2% in 9M 2024. 

Asset quality continued to fare better than industry, with non-performing loans’ (NPL) ratio coming in at 1.7%, far lower than the industry’s reported 3.6% NPL ratio as of August 2025. 

Year to date provisions stood at PHP 8.7 billion, maintaining high NPL cover of 147.4%, a hefty buffer against rising uncertainties.

Alongside this, the Bank remains well-capitalized, with Capital Adequacy Ratio at 17.0% and Common Equity Tier 1 (CET1) ratio at 16.3%, well above the minimum regulatory requirements. As such, Asian Banker named Metrobank as the Strongest Bank in the Philippines for the fifth straight year and was given the Best Managed Bank title for 2025.

The Bank’s total consolidated assets increased by 8.9% to PHP 3.6 trillion, solidifying its position as the second largest private universal bank in the country. Total equity climbed by 7.2% to PHP 407.6 billion.

Metrobank’s solid growth was driven by sustained loan growth, improving margin trend, healthy trading income alongside well managed cost growth.

Metrobank delivers strongest nine-month income of PHP 37.3B | Metrobank

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Metrobank delivers strongest nine-month income of PHP 37.3B

As part of our commitment to keeping you and your account in good hands, we&#39;re implementing these changes effective November 10, 2025: 

<ul>
<li>Shared responsibility for security: The revised provisions clearly outline how we can work together to safeguard your account. </li>
<li>Guidelines for proper use: We’ve included helpful reminders on how to use your account responsibly. </li>
<li>Regulatory compliance: Now aligned with Bangko Sentral ng Pilipinas Circular No. 1160 and Republic Act No. 12010 (Anti-Financial Account Scamming Act). </li>
</ul>

These updates aim to reinforce our mutual trust as we continue working together toward your financial goals. 

We encourage you to review the updates carefully by downloading the latest General Banking Terms and Conditions: 

<ul>
<li><a href="https://web-assets.metrobank.com.ph/1757325164-1-gbtc-x-ptc-individual-casa-and-td-081325-1.pdf">with Individual Checking/ Savings Accounts (CASA) and Time Deposit (TD)</a> </li>
<li><a href="https://web-assets.metrobank.com.ph/1757325164-2-gbtc-x-ptc-individual-debit-081325-1.pdf">with Individual Debit/ATM Card</a> </li>
<li><a href="https://web-assets.metrobank.com.ph/1757325163-3-gbtc-x-ptc-payroll-debit-or-atm-card-081325-1.pdf">with Payroll Debit/ATM Card</a> </li>
<li><a href="https://web-assets.metrobank.com.ph/1757325164-4-gbtc-x-ptc-commercial-081325-1.pdf">with Commercial Checking/ Savings Accounts (CASA) and Time Deposit (TD)</a> </li>
</ul>

Please note that by continuing to use our products and services, you acknowledge that you understand and agree to these updates.

We will be updating our Deposit Terms and Conditions effective November 10, 2025.  Please review the updates to ensure you understand any changes that may affect you.

Updates to our Deposit Terms and Conditions | Metrobank

We will be updating our Deposit Terms and Conditions effective November 10, 2025. Please review the updates to ensure you understand any changes that may affect you.

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Updates to our Deposit Terms and Conditions

To promote secure and transparent banking, the Bangko Sentral ng Pilipinas (BSP) has issued Circular No. 1218, requiring financial institutions to implement a daily cash withdrawal limit of PHP 500,000 or its equivalent in foreign currency, effective October 7, 2025. 

Here’s what you need to know: 

<ul>
<li>Single or multiple withdrawals for depositors are now capped at PHP 500,000* per banking day. 

*Banks may lower the withdrawable amount per day based on its risk measures and assessment of the client. </li>
<li>Large value cash transactions or withdrawals above PHP 500,000 or its equivalent in foreign currency must be processed only through traceable channels, such as check payments, fund transfers, or digital platforms.
  </li>
<li>Depositors who will withdraw more than PHP 500,000, will be requested to present identification documents or proof of a legitimate business purpose.</li>
<li>Financial institutions may also request for additional supporting documents, should it deem relevant, to further review the bank account and the transaction. </li>
</ul>

Read the full BSP Circular <a href="https://web-assets.metrobank.com.ph/1759479160-bsp-regulations-on-large-value-transactions.pdf">here</a>.

Starting October 7, 2025, cash withdrawals will be limited to PHP 500,000 per banking day, as mandated by Bangko Sentral ng Pilipinas (BSP) Circular No. 1218.

Understand the new BSP rules on large value transactions | Metrobank

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Understand the new BSP rules on large value transactions

To enhance efficiency and ensure the timely transmission of all outward checks (both local and in-house), we’re implementing a new check deposit cutoff time starting September 8, 2025. 

<table><thead>
 <tr style="color:#ffffff; background-color:#2a317d">
 <th style="text-align: center" colspan="3">Check Deposit Cutoff</th>
 </tr></thead>
<tbody>
 <tr>
 <td></td>
 <td><center>OLD</td>
 <td><center>NEW</td>
 </tr>
 <tr>
 <td> Other Bank’s Checks</td>
 <td>4 PM</td>
 <td>3:30 PM</td>
 </tr>
 <tr>
 <td> Metrobank Checks</td>
 <td>4 PM</td>
 <td>4 PM</td>
 </tr>
</tbody>
</table>

To avoid inconvenience, please deposit checks ahead of the new cutoff time. 

For concerns, send us a private message on our official Facebook and X pages, and our Community Managers will be happy to assist you. 

For account-specific inquiries, call our Contact Center at (02) 88-700-700 (domestic toll-free 1-800-1888-5775) or email <a href="mailto:customercare@metrobank.com.ph">customercare@metrobank.com.ph</a>.​

To enhance efficiency and ensure the timely transmission of all outward checks (both local and in-house), we’re implementing a new check deposit cutoff time starting September 8, 2025. 

Cutoff time adjustment for check deposits | Metrobank

To enhance efficiency and ensure the timely transmission of all outward checks (both local and in-house), we’re implementing a new check deposit cutoff time starting September 8, 2025.  

https://web-assets.metrobank.com.ph/1757076372-new-check-deposit_article-page_1280px-x-640px.jpg?auto=format&fit=max&w=1200

Cutoff time adjustment for check deposits

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For inquiries, you may call our Metrobank Contact Center at (02) 88-700-700, or our domestic toll-free number at 1-800-1888-5775, or send an e-mail to <a href="mailto:customercare@metrobank.com.ph">customercare@metrobank.com.ph</a>

Metrobank is regulated by the Bangko Sentral ng Pilipinas
Website: <a href="https://www.bsp.gov.ph">https://www.bsp.gov.ph</a>

Deposits are insured by PDIC up to P1 Million per depositor.

The link you clicked leads to an external website where our Terms and Conditions and Privacy Policy do not apply.

When you click Proceed, the external website will open in a new browser window or tab.

Join in shaping finance for the digital age ​

Future You is waiting​

Updates to our Deposit Terms & Conditions

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Metrobank delivers strongest nine-month income of PHP 37.3B

Updates to our Deposit Terms and Conditions

Understand the new BSP rules on large value transactions

Cutoff time adjustment for check deposits

Smart. Simple. Secure.

Join in shaping finance for the digital age

Future You is waiting

Join in shaping finance for the digital age

Future You is waiting