What Metrobank does

Metropolitan Bank & Trust Company (Metrobank, PSE: MBT) is one of the largest Philippine universal banks, founded in 1962 and headquartered at Metrobank Plaza, Makati City, where it is regulated by the Bangko Sentral ng Pilipinas and holds FATCA Participating Foreign Financial Institution status. The bank provides retail, MSME, corporate, and wealth management financial services through 395 domestic branches (55% outside Metro Manila), 5 foreign branches in Japan, Korea, and Taiwan, 21 subsidiaries, and 100 international remittance partners. As of December 31, 2025, Metrobank reported a workforce of 15,820 employees and generated PHP 192.46 billion in direct economic value as the Parent Bank, distributing PHP 163.31 billion to stakeholders.

Metrobank's product suite spans deposit and savings accounts (Fun Savers Club, Spark Savings, OFW Savings, eSavings, SSS/US Pensioner), credit cards, home, car (including hybrid vehicles), and personal loans, UITF and PERA wealth products (Metro Aspire Funds), MSME financing (PHP 35.95 billion outstanding across 2,972 borrowers), large-scale sustainable finance (notably a PHP 36.27 billion financing for the Caliraya-Botocan-Kalayakan 797 MW Hydro deal with the Aboitiz/Sumitomo/J-Power consortium and renewable-energy lending to ACEN's ~7 GW pipeline), and bancassurance through the AXA Philippines partnership. The bank facilitated USD 9.81 billion across 15.26 million international remittance transactions in 2025.

The technology platform centers on the Metrobank App (bill pay, transfers via zero-fee InstaPay and PESONet, biometric authentication), Metrobank Online, MOSE mobile access, Mobile SOA (~13.60 million transactions/month), Metrobank Business Online Solutions for MSME onboarding, and the MIA AI-powered chatbot. Revenue is generated primarily through net interest income from loans, transaction and service fees, wealth-management product distribution (UITF/PERA), bancassurance referral economics with AXA, sustainable-finance advisory fees, and remittance-related services, supported by an omnichannel distribution model spanning branches, self-serve mobile/digital channels, and partner-led channels.

Name

Metrobank

Legal name

Metropolitan Bank & Trust Company

Website

https://metrobank.com.ph

Company type

Public

Founded year

1962

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Metrobank is a Philippine universal bank serving retail, MSME, corporate, and wealth-management customers through 395 domestic branches, digital platforms (Metrobank App, MIA chatbot), 5 foreign branches, and a 100-partner remittance network spanning 15.26 million annual transactions.

Ownership category

akta.pro rank

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Primary revenue stream from personal loans, home loans, car loans, and MSME financing. In 2025, served 2,972 MSME borrowers with PHP 35.95 billion in outstanding loans.
2. Transaction and Service Fees: Fees from fund transfers, account services, and digital banking transactions
3. Insurance Distribution (Bancassurance): Partnership with AXA Philippines for non-life insurance products including car insurance at 0% installment
4. Investment Products: Revenue from UITF products including Metro Aspire Funds, PERA UITFs, and other wealth management products
5. Sustainable Finance Advisory: Fees from structuring green, social, and sustainability financial instruments under the Sustainable Finance Framework

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Metrobank provides universal banking services to retail consumers, MSMEs, corporates, and overseas Filipinos through deposit accounts, credit cards, home/car/personal loans, UITF wealth management products, MSME financing, and bancassurance via AXA Philippines. Distribution combines 395 domestic branches (55% outside Metro Manila), 5 foreign branches in Japan/Korea/Taiwan, the Metrobank App, Metrobank Online, and Metrobank Business Online Solutions for digital onboarding.

Product overview

Metrobank offers a comprehensive banking and financial services portfolio centered around its digital banking platform (Metrobank App and Metrobank Online), deposit and savings accounts (including eSavings, OFW, pension accounts), lending products (home loans, car loans including hybrid vehicles, personal loans), wealth management (UITF including Metro Aspire Funds, PERA retirement accounts), insurance products through AXA partnership (non-life, life, health, car, travel), business banking solutions for MSMEs, and financial education platforms (Earnest Learning, LifeBanking, Wealth Insights, SWOMO). The digital ecosystem includes MOSE mobile access, MIA chatbot for customer service, M Online/Mobile SOA for account management, and fee-free InstaPay/PESONet transfers.

Differentiator

Problem solved

Functional benefit

Brands

• Metrobank App: Mobile banking application for digital banking services including funds transfers, bill payments, and account management
• Metrobank eSavings Account
• Metro Aspire Funds
• Purple Hearts Club
• Moneygurado

Products and services

• Metrobank App Mobile banking application for retail customers enabling account opening (eSavings), bill payments, fund transfers via zero-fee InstaPay and PESONet, account management, and biometric-secured access. Available on iOS, Android, and Huawei devices.
• eSavings Account Digital-first savings account for first-time and Gen Z savers, enabling complete account opening and management through the Metrobank App with no friction and no barriers.
• Fun Savers Club Savings Account Savings account designed for children and young Filipinos to start saving early, with features supporting financial literacy for young customers.
• OFW Savings Account Savings account for overseas Filipino workers providing a secure and reliable way to save and send money home through 100 international remittance partners.
• SSS and US Pensioner Accounts Accounts for retirees to receive SSS and US pension benefits directly through Metrobank, serving 369,934 clients.
• Credit Cards Credit card products including Metrobank Travel Signature Visa offering travel perks, rewards, and consumer payment flexibility.
• Home Loan Bank home loans for purchasing, renovating, or constructing homes with competitive rates and flexible terms.
• Car Loan Auto financing for new and pre-owned vehicles including hybrid vehicles, with competitive rates and flexible payment terms (e.g., Toyota Vios example: PHP 12,706/month for 5 years with 20% down).
• Personal Loan Personal credit facilities for various consumer financial needs with flexible terms.
• UITF (Unit Investment Trust Funds) including Metro Aspire Funds Investment products including Metro Aspire Bond Feeder Fund, Balanced Feeder Fund, and Equity Feeder Fund across different risk profiles, with automatic monthly contributions aligned with payroll cycles.
• PERA (Personal Equity and Retirement Account) Tax-exempt, portable retirement savings vehicle offered through Metrobank PERA Money Market, Bond, and Equity Funds.
• Business Banking Solutions Smart solutions for growing businesses including SME Puhunan Loans, Franchise Business Loans, and Agri Business Loans, with digital onboarding via Metrobank Business Online Solutions. In 2025, served 2,972 MSME borrowers with PHP 35.95 billion in outstanding loans.
• AXA Non-Life Insurance (Car and Travel) General insurance plans distributed through the AXA Philippines bancassurance partnership, including AXA Car Insurance at 0% installment offering comprehensive protection and roadside assistance, and Smart Traveller travel insurance with 24/7 emergency travel assistance.
• Earnest Learning Platform Financial literacy platform covering everyday money management, investing basics, and long-term planning through articles, tools, and interactive modules, complemented by LifeBanking, Wealth Insights, SWOMO, and Moneygurado content series. Reached 46,982 individuals through 674 learning activities in 2025.

Quantifiable outcome

• PHP 192.46 billion in direct economic value generated as the Parent Bank in 2025
• +4 more outcomes

Named customers7 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered flagship, minor, core and major.

• Aboitiz Renewables, Sumitomo, J-Power ConsortiumflagshipStrategic or Co-development Partner · 1 January 2025Metrobank supported the PHP 36.27 billion acquisition of the Caliraya-Botocan-Kalayakan Hydroelectric Power Plant Complex by the consortium. The 797 MW facility accounts for over 4% of Luzon's total installed capacity and includes the largest pumped storage hydroelectric facility in the Philippines.
• ACENflagshipStrategic or Co-development Partner · 1 January 2025Long-standing partnership to accelerate renewable expansion across the Philippines and Asia Pacific. Metrobank extended additional green financing to support ACEN's approximately 7 GW renewable capacity, with about 2.7 GW under construction and in committed phases. ACEN plans PHP 80 billion capex in 2026.
• DHL (Go Green Plus Program)minorStrategic or Co-development Partner · 1 January 2025Partnership with DHL using Go Green Plus Program to achieve reductions in well-to-wheel emissions through Sustainable Aviation Fuel, supporting Metrobank's sustainability objectives.
• AXA PhilippinescoreChannel Partner/ Reseller/ Distributor · 1 January 2024Metrobank partners with AXA Philippines to offer non-life insurance products including car insurance at 0% installment and travel insurance. The partnership provides comprehensive protection for customers' vehicles and travel needs through bank branches and digital channels.
• Metrobank FoundationcoreStrategic or Co-development PartnerMetrobank Foundation implements community development programs across six thrusts: Excellence Recognition, Arts and Culture, Education, Health, Social Development, and Disaster Risk Reduction. In 2025, distributed PHP 25.52 million in grants to 24 partner organizations.
• DepEd (Department of Education)majorStrategic or Co-development PartnerPartnership for education initiatives including Metrobank Foundation Outstanding Filipinos program, National Teachers' Month celebration, SOLUTION Math Remediation Program, and school support activities.
• KATHA PilipinasminorStrategic or Co-development PartnerPartnership for artist development workshop as part of Metrobank Art & Design Excellence (MADE) program supporting 435 cumulative artists since 1984.
• AHA Learning CenterminorStrategic or Co-development PartnerPartnership for SOLUTION Math Remediation Program implementing Teaching at the Right Level (TaRL), Social and Emotional Learning (SEL), and structured Saturday sessions for Grades 4 to 6 learners.
• UPLB (University of the Philippines Los Baños)minorStrategic or Co-development PartnerPartnership for UPLB READ Program supporting 120 non-readers and frustrated readers (Grades 4-6) and literacy package development with teacher training.
• Willis Towers WatsonminorOthersIndependent survey partner for MetroVoice 2025 employee engagement survey achieving 96% participation rate and 92% Sustainable Engagement score.

Scale indicators12 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Rizal Commercial Banking Corporation (RCBC): RCBC is a mid-tier Philippine universal bank with overlapping retail, SME, and corporate banking offerings. It competes with Metrobank for deposit share and corporate lending mandates, including in MSME segments.
• Land Bank of the Philippines: Land Bank is a state-owned Philippine universal bank with deep rural and agricultural lending reach. It competes with Metrobank in MSMEs, agricultural financing, and government-backed lending programs.
• Philippine National Bank (PNB): PNB is a major Philippine universal bank partly owned by the government, with a large domestic branch network and overseas remittance presence. It is directly comparable to Metrobank on retail, corporate, and OFW-focused banking.
• Security Bank Corporation: Security Bank is a publicly listed Philippine commercial bank focused on retail, commercial, and treasury services. It is directly comparable to Metrobank in customer segments and product breadth.
• Asia United Bank (AUB): AUB is a mid-sized Philippine universal bank offering retail, commercial, and treasury services. It is comparable to Metrobank as a smaller-scale but directly competing commercial bank in the Philippine market.
• BDO Unibank: BDO is the Philippines' largest universal bank by assets, offering retail, commercial, and wealth services across an extensive branch and digital network. It is Metrobank's most direct large-bank competitor across deposits, lending, and remittances.
• UnionBank of the Philippines: UnionBank is a publicly listed Philippine universal bank with a particularly aggressive digital transformation strategy. It is a close peer on retail deposits, MSME lending, and digital channel investment.
• Bank of the Philippine Islands (BPI): BPI is one of the Philippines' oldest and largest universal banks with comparable retail, corporate, and wealth offerings. It competes head-to-head with Metrobank for mass-affluent and corporate banking relationships nationwide.

Emerging players

• Maya Bank: Maya is a Philippine digital bank offering deposits, payments, and lending via a mobile-first platform. It competes with Metrobank for Gen Z and digital-first deposit and payment customers.
• GCash (Mynt): GCash is the Philippines' leading mobile wallet and digital financial services platform, with embedded savings, credit, and investments. It is a partial competitor to Metrobank for digital-first consumer deposits and payments.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/mcc_in_action
• Facebookfacebook.com/metrobank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Metrobank