Metrobank’s Access and Affordability initiatives focus on broadening financial inclusion and ensuring that quality financial services are available and affordable for all Filipinos. Key elements include:

Micro-, small-, and medium-sized enterprises (MSMEs) are the backbone of our economy, accounting for 99.5% of businesses and 63% of the workforce. They contribute significantly to GDP and exports. In 2024, we supported 3,042 MSME borrowers with PHP 34.4 billion in loans, representing 2.55% of our commercial loan portfolio.

To expand access to finance, our Business Banking Center continues to onboard MSMEs to the Metrobank Business Online Solutions (MBOS), streamlining financial management through digital tools. We promote responsible lending by ensuring transparent loan terms and disclosing risks in national and local languages. Financial literacy remains central, helping MSMEs make sound financial decisions. Together, these initiatives make financial services more accessible and affordable, driving inclusive growth and supporting the broader economic empowerment of communities nationwide.

Our continued support reflects our commitment to inclusive economic growth, helping small businesses thrive and contribute to national development.

Savings Accounts

Young Filipinos can build smart money habits early through the Fun Savers Club (for under 18) and Spark Savings Account (ages 7–21), which comes with a debit card and no initial deposit. OFWs can manage savings and send remittances securely with the OFW Savings Account, while retirees benefit from automated crediting through the SSS and US Pensioner Accounts.

All accounts feature low to zero maintaining balance, no dormancy fees, and easy access via ATMs, POS, online banking, Instapay, and Pesonet. They also support auto-debit for bills, ensuring convenient, seamless banking.

Metro Aspire Funds

Metro Aspire Funds make investing more accessible through Unit Investment Trust Funds (UITFs) with low entry requirements and automatic monthly contributions over a two-year build-up period. These funds cater to different risk appetites, offering stable income through bond investments, balanced growth through a mix of bonds and equities, and higher returns through equity exposure. Designed for individuals with limited investable funds, Metro Aspire provides a disciplined and sustainable way to grow wealth and begin or expand an investment journey.

Metro Pera Funds

Metrobank PERA UITFs offer a tax-exempt way to build retirement savings, tailored to different risk profiles under the PERA Law. The PERA Money Market Fund suits conservative investors seeking capital preservation with returns higher than time deposits. The PERA Bond Fund offers moderate growth through fixed-income investments with controlled risk. For those with a long-term outlook and higher risk appetite, the PERA Equity Fund invests in a diversified portfolio of Philippine equities for greater capital appreciation.

Subsidiaries

First Metro Group continues to champion financial literacy through its key subsidiaries: First Metro Investment Corporation (FMIC), First Metro Securities Brokerage Corporation (FMSBC), and First Metro Asset Management Inc. (FAMI), reaching thousands nationwide through seminars, webinars, and investor education programs.

FMIC promotes capital market awareness and supports nation-building through bond issuances, infrastructure financing, and financial instruments such as Retail Treasury and Dollar Bonds. It also conducts economic briefings and teach-ins to help individuals and institutions make informed investment decisions.

FMSBC increases access to stock investing by offering financial education on fundamental and technical analysis, trading strategies, and digital investing. More than 600 initiatives have empowered over 55,000 individuals across the country.

FAMI delivers financial literacy to a wide range of audiences, including students, professionals, and underprivileged women, covering budgeting, saving, investing, and financial planning. In 2024, it held 41 sessions with 2,325 participants. Although FMIC sold its majority stake in FAMI to focus on core investment banking, FAMI remains committed to helping Filipinos achieve long-term financial security through education.

We ensure customers receive clear, accurate, and relevant information to make confident financial decisions. All marketing materials are reviewed by our Analytics, Brand, Communication, and Marketing Technology Group (ABCMTG) to ensure clarity, fairness, and compliance with regulations from BSP, PDIC, SEC, DTI, and other authorities.

In 2024, we recorded zero complaints related to product information, labelling, or marketing communications. This reflects our strong adherence to BSP’s Financial Consumer Protection standards and our Customer Protection Policy. All promotions undergo internal review, receive DTI approval, and include valid permit numbers. Terms and conditions are written in plain, accessible language. More than meeting requirements, we focus on delivering honest, valuable offers such as the Goals Made Real promo for home and car ownership and exclusive travel deals for cardholders.

We address customer concerns proactively, improve digital services, and build lasting trust through clear communication and fast issue resolution. Common issues like ATM errors and InstaPay delays are tackled with root cause analysis and service enhancements such as real-time updates and quicker closures.

At the heart of this promise is our Customer C.A.R.E. philosophy guides every interaction across channels like the Metrobank App, MIA, Earnest, and Scamproof.ph.

Create a positive experience, Act with empathy, Reinforce trust, and Ensure an exceptional service.

We also invest in training and partnerships to ensure secure, supportive experiences, while initiatives like Customer Service Week foster a culture of care at every client touchpoint.

Protecting customer data is central to our commitment to trust. In 2024, we resolved 62 privacy complaints and 102 data breaches within three days. We reviewed 347 contracts for privacy compliance, with 98% completed on time, under the guidance of our Data Protection Officer and the Data Privacy Act.

Our cybersecurity is led by our Chief Information Security Officer and governed by board-level oversight. We use strong controls like penetration testing, AppKey authentication, and continuous employee training via KnowBe4.

Through our #FightFraud campaign, we empower customers to protect themselves. These efforts contributed to our top rating in the 2024 BankQuality survey.