- Metrobank reported a net income of 37.3 billion pesos for the first nine months of 2025.
- Provision for loan losses amounted to 8.7 billion pesos.
- The bank’s non-performing loans (NPL) ratio stood at 1.7%.
- Net interest income reached 91.8 billion pesos, reflecting a 7.1% increase due to broad-based gains and margin improvement.
- The bank’s pre-provision operating profit increased by 12.1% year-over-year, totalling 59.2 billion pesos.
- Metrobank highlighted solid loan growth, improved margins, and healthy trading income as key drivers of profit.
- Gross loans expanded by 10.8% year-over-year, reaching 1.9 trillion pesos, with consumer loans increasing by 15.8% and institutional loans by 9.5%.
- Non-interest income grew by 5.3% to 25.4 billion pesos, supported by service fees and trust income.
- Trading and foreign exchange gains surged by 18% to 6.6 billion pesos.
- NPL coverage was robust at 147.4%.
- The market analysts’ consensus includes 17 buy recommendations, 2 hold, and 1 sell.
A look at Metropolitan Bank & Trust Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 3 | |
| Dividend | 4 | |
| Growth | 4 | |
| Resilience | 3 | |
| Momentum | 3 | |
| OVERALL SMART SCORE | 3.4 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
Metropolitan Bank & Trust Company’s long-term outlook seems positive based on the Smartkarma Smart Scores analysis. With a strong dividend score of 4 and growth score of 4, the bank is positioned well to provide returns to investors through dividends and potential expansion. Additionally, the company showed resilience with a score of 3, indicating its ability to withstand economic fluctuations.
Although the Value and Momentum scores are at 3, indicating a moderate performance in these areas, Metropolitan Bank & Trust Company’s overall outlook appears promising. As a provider of commercial and investment banking services, the company offers a range of financial products and operates in various sectors like trade finance and investment banking, enhancing its potential for long-term growth and stability.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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