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Metro Bank (MTRO) investor relations material
Metro Bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary6 Aug, 2025
Executive summary
Underlying profit before tax reached £45.1 million in H1 2025, up 268% year-over-year, driven by 22% revenue growth and 8% cost reduction.
Strategic focus on relationship banking, cost discipline, asset rotation, and deposit optimization drove improved returns and operational efficiency.
Net interest margin improved to 2.87% for H1 2025, with an exit NIM of 2.95%, nearing 2025 guidance.
Record £1 billion in new corporate/commercial/SME lending, double H1 2024, with a strong £800 million credit-approved pipeline.
Robust capital and liquidity positions maintained, with CET1 at 12.8% and LCR at 315%.
Financial highlights
Revenue rose to £286 million, up 22% year-over-year; net interest income increased 30% to £223 million.
Statutory profit before tax was £43.1 million, reversing a loss in H1 2024; statutory profit after tax was £30 million.
Cost reduced by 8% year-over-year, improving cost-to-income ratio from 95% to 82%.
Net interest margin expanded to 2.87% (up 123bps YoY); cost of deposits at 1.16% (exit rate 1.02%).
Loan-to-deposit ratio at 65%, with risk-weighted assets stable at £6.4 billion.
Outlook and guidance
Guidance reconfirmed: ROTE expected in mid-to-upper single digits for 2025, double digits in 2026, and mid-to-upper teens by 2027.
NIM expected to reach 3.00–3.25% by end-2025, 3.60–4.00% in 2026, and 4.00–4.50% in 2027.
Cost-to-income ratio expected to fall to 70–75% in 2026 and 60–65% in 2027.
Lending book to grow 8–11% CAGR, with commercial lending rising to 70% of total by 2029.
Future benefit anticipated from changes to the MREL regime, reducing capital requirements.
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Next Metro Bank earnings date
H2 202527 Feb, 2026
Next Metro Bank earnings date
H2 202527 Feb, 2026
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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).
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