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Metrobank is one of the Philippines' largest banks, taking deposits and lending money to people, businesses, and the government.
Metrobank is one of the biggest banks in the Philippines. It does the basic things banks do — it holds people's savings, lends money for homes, cars, and businesses, and moves money around the country and across borders. But it also does more than plain banking: it finances big projects, leases equipment, and even runs a stock brokerage, so it serves regular families, large corporations, and institutional investors all at once.
The core of the business is simple. It takes in deposits at low interest and lends that money out at higher interest. The gap between what it pays savers and what it charges borrowers is the main way it makes money — that, and fees from services like remittances, credit cards, and wealth management. Why do customers pick it over a rival like BDO Unibank or Bank of the Philippine Islands? Size and reach matter. Metrobank has a huge branch network and decades of trust behind it, which counts for a lot when people are deciding where to park their life savings. A detail worth knowing: Metrobank's history is tied to a family business story. It was founded in 1962 by George Ty, who started out running a small sugar mill before getting into banking. The Ty family's holding company still controls the bank, and the group's reach stretches into other financial businesses, giving Metrobank a deep bench of related customers.
Banks like this are steady but not flashy, and they are sensitive to the economy — when interest rates move or borrowers struggle to repay, profits swing. Metrobank's strength is its scale and its long relationship with corporate clients, but it also carries the usual bank risk: loans that go bad, tight regulation, and competition from bigger and smaller players. It pays shareholders a regular dividend, which is typical for a mature bank that generates steady cash rather than chasing explosive growth.
Saved answer · last researched 15 Nov 2026