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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Metro Bank
Metro Bank (MTRO) investor relations material
Metro Bank Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary4 Nov, 2026
Executive summary
Target-segment lending grew 37% YoY; exit NIM reached 3.45%, already within FY guidance, with strong credit quality and operating leverage.
All guidance reaffirmed, including ROTE above 13% in Q4 2026, above 15% in 2027 and above 18% in 2028.
Financial highlights
Total assets were £16.674bn, up 3% YoY; gross loans were £9.425bn, up 5% YoY.
Net loans were £9.294bn, up 5% YoY; customer deposits were £13.028bn, down 1% YoY.
Impairment allowance was £131m, down 23% YoY.
Outlook and guidance
NIM and ROTE expansion expected through Q4 2026 and 2027, supported by fixed-rate treasury asset maturities and continued asset rotation.
ROTE guidance reaffirmed: above 13% in Q4 2026, above 15% in 2027 and above 18% in 2028.
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Latest events from Metro Bank
- Record profit, strong lending growth, and robust RoTE and NIM drive positive outlook.MTRO
H1 2026 - Profit and target lending grew, with strong credit quality and a robust lending pipeline.MTROQ1 2026 TU
- Record profit and revenue, with RoTE set to exceed 18% by 2028 on strong growth and efficiency.MTROH2 2025
- Profit before tax tripled, revenue up 22%, and lending in target segments doubled.MTROH1 2025
- Profitability restored, NIM up, and strategic asset shift drives positive outlook.MTROQ3 2024 TU
- Cost savings and a £2.5bn mortgage sale to drive Q4 2024 profitability and higher returns.MTROH1 2024
- Q1 2025 saw Metro Bank return to profitability, strengthen capital, and grow its commercial pipeline.MTROQ1 2025 TU
- Profitability restored in H2 2024, with strong capital, cost savings, and lending growth.MTROQ4 2024
Next Metro Bank earnings date
H2 20263 Mar, 2027
Metro Bank
Next Metro Bank earnings date
H2 20263 Mar, 2027
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Frequently asked questions
Metro Bank Holdings PLC is a UK-based retail and commercial bank offering a range of banking services to individuals, businesses, and communities. The bank provides personal and business current accounts, savings accounts, loans, mortgages, and payment services. The company is headquartered in London, England, and its shares are listed on the London Stock Exchange (LSE).