Metropolitan Bank & Trust Company (MBT) Q3 2025 earnings summary

Executive summary

• Total assets reached P3.63 trillion as of September 30, 2025, up 3.2% from December 31, 2024, driven by growth in investment securities and loans.

• Net income attributable to equity holders for the nine months ended September 30, 2025, was P37.28 billion, a 4.34% increase year-over-year.

• Return on equity was 12.53% and return on assets was 1.39% for the period.

Financial highlights

• Net interest income for the nine months ended September 30, 2025, rose 7.11% to P91.81 billion year-over-year.

• Other operating income increased 5.34% to P25.38 billion, mainly from trading and fee-based income.

• Total operating expenses grew 1.71% to P57.96 billion, with higher manpower and IT costs.

• Provision for credit and impairment losses rose to P8.69 billion from P3.52 billion year-over-year.

• Earnings per share (EPS) for the nine months was P8.29, up from P7.95 in the prior year.

Outlook and guidance

• Management expects capital expenditures of P3.0 to P5.0 billion for 2025, with 70% allocated to IT.

• No material trends or uncertainties are expected to impact liquidity or operations, aside from those already disclosed.