Metropolitan Bank & Trust Co., commonly known as Metrobank, announced on May 5, 2026, that it earned PHP 12.6 billion in the first three months of 2026. This report was submitted to the Philippine Stock Exchange by Minda Claver A. Olonan, the bank’s Head of Investor Relations.

What Made Metrobank Earn More Money?

Think of a bank like a piggy bank that also lends money to people. When people borrow money from the bank, they pay back a little extra (called interest). Metrobank earned more because:

• More people borrowed money from them
• They charged better rates on loans
• They earned more fees from their services

Breaking Down the Numbers

According to Metrobank President Fabian S. Dee, the bank’s strong performance shows that their main business activities are doing well and they’re managing everything consistently.

Net Interest Income: This is the money banks make from the difference between what they earn from loans and what they pay to depositors. Metrobank’s net interest income grew by 13.6% to PHP 33.4 billion. Their net interest margin (think of it as their profit percentage) increased by 12 basis points to 3.7%.

Loans Growth: The bank’s total loans grew by 9.2% compared to the same time last year. Business loans went up 8.6%, while personal loans (like home loans and car loans) grew faster at 11.2%. This shows that both businesses and regular people are borrowing more, which suggests the economy is growing.

Where Does Metrobank Get Its Money?

Metrobank holds PHP 2.6 trillion in total deposits – that’s the money people and businesses keep in the bank. A big portion (59.2%) comes from CASA accounts, which stands for Current and Savings Accounts. These are important because the bank pays less interest on these accounts, making them more profitable.

CASA deposits grew by 8.4% year-on-year. The bank’s loan to deposit ratio is 76.6%, which means they still have plenty of room to lend more money to customers who need it.

Other Ways Metrobank Makes Money

Banks don’t just earn from loans. They also charge fees for services like money transfers, credit cards, and managing investments. Metrobank’s fee and trust income jumped by 11.8% to PHP 5.1 billion, which helped balance out any losses from unpredictable market conditions affecting their trading activities.

How Much Does It Cost to Run the Bank?

Running a bank costs money too. Metrobank’s operating costs grew by 9.8% to PHP 21.1 billion, mainly because of taxes on transactions and technology expenses (like maintaining ATMs and online banking). Their cost to income ratio is 52.5%, which means for every 100 pesos they earn, they spend about 52.50 pesos to run the business.

Is Metrobank’s Money Safe?

One important measure of a bank’s health is how many loans are not being paid back on time. These are called non-performing loans or NPLs. Metrobank’s NPL ratio stood at just 1.75% during the quarter, which is much better than the banking industry average of 3.44% as of February 2026.

The bank also has a strong NPL cover of 137.1%, meaning they have set aside more than enough money to protect themselves if some loans aren’t paid back.

How Big Is Metrobank?

Metrobank’s total consolidated assets (everything the bank owns) grew by 8.3% to PHP 3.8 trillion, making it the second largest among private universal banks in the Philippines. The bank’s equity (its net worth) increased by 5.1% to PHP 396.4 billion.

Capital Strength and Safety Measures

Banks need to keep a certain amount of money as a safety cushion, regulated by the Bangko Sentral ng Pilipinas (BSP). Metrobank’s Capital Adequacy Ratio (CAR) is 14.9% and Common Equity Tier 1 (CET1) ratio is 14.2% – both well above the minimum requirements set by the BSP. This means the bank has plenty of financial cushion to handle unexpected problems.

The bank’s Liquidity Coverage Ratio (LCR) is 151.1%, which means they have enough cash available to handle withdrawals and meet short-term obligations.

About Metrobank

Metrobank is the country’s second largest private universal bank with over 960 branches across the Philippines, more than 2,200 ATMs, and 27 foreign branches, subsidiaries, and representative offices. The bank has investment-grade ratings of Baa2 from Moody’s and BBB- from Fitch Ratings, which are like report card grades that tell investors the bank is financially stable and reliable.

This article is based on the company’s official press release and disclosures filed with the Philippine Stock Exchange’s Electronic Disclosure Generation Technology (PSE EDGE) system. For the complete and official version of the announcement, readers may visit the PSE EDGE website and search for the company’s filing directly.