Metropolitan Bank & Trust Company (MBT) Q4 2025 earnings summary

Executive summary

• Delivered strong financial results in 2025, with net income attributable to equity holders rising 3.29% year-over-year to P49.72 billion, supported by higher net interest income and robust loan growth.

• Total assets grew 10.23% to P3.88 trillion, driven by increases in loans, investment securities, and property and equipment.

• Maintained a strong capital position, with a consolidated Capital Adequacy Ratio (CAR) of 16.81% and Common Equity Tier 1 (CET1) Ratio of 16.12%, well above regulatory requirements.

Financial highlights

• Net interest income increased 9.21% year-over-year to P124.63 billion, as interest income on loans and investment securities rose and interest expense on deposits declined.

• Other operating income grew 11.35% to P32.54 billion, mainly from higher trading, securities, and foreign exchange gains.

• Total operating expenses rose 3.30% to P79.71 billion, reflecting higher manpower and IT-related costs.

• Provision for credit and impairment losses increased to P11.92 billion from P6.36 billion in 2024.

• Return on average equity was 12.32%, and return on average assets was 1.34%.

Outlook and guidance

• Plans to maintain dominance in corporate and commercial segments while doubling the retail customer base.

• Continued investment in digital transformation, IT infrastructure, and people development to support growth and operational efficiency.

• Targeting further reduction in coal-related loan exposure and expansion of renewable and transition energy financing.