“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,” said Metrobank president Fabian S. Dee.
Pre-provision operating profit jumped 12.1 percent to P59.2 billion, showing the bank’s stronger earnings momentum.
Net interest income grew 7.1 percent to P91.8 billion, while loans expanded 10.8 percent to P1.9 trillion, led by rising consumer demand. Total deposits also increased 7.6 percent to P2.5 trillion.
Behind the stronger results
Non-interest income climbed 5.3 percent to P25.4 billion on higher fees and stronger trading gains.
Operating expenses rose just 1.7 percent, trimming the cost-to-income ratio to 49.8 percent from 52.2 percent last year.
Non-performing loan (NPL) ratio improved to 1.7 percent—less than half the industry average—with a strong 147.4 percent NPL cover.
Capital adequacy ratio stood at 17.0 percent and CET1 at 16.3 percent, keeping Metrobank well above regulatory requirements.
Asian Banker recognized Metrobank as the Strongest Bank in the Philippines for the fifth consecutive year and Best Managed Bank for 2025.
—Edited by Miguel R. Camus
