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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.
Monzo Bank
Monzo Bank (Monzo Bank) investor relations material
Monzo Bank has been private
Monzo Bank H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary4 Jun, 2025
Executive summary
Achieved record growth and profitability in FY2025, with adjusted profit before tax up 8x year-over-year to £113.9m and revenue surpassing £1bn for the first time.
Customer base grew to over 12.2m, with 2.2m new personal and 200k new business customers added.
Significant product innovation, including new subscription plans, Monzo for Under 16s, and expanded business banking offerings.
Continued investment in technology, risk management, and international expansion, particularly in the EU and US.
Financial highlights
Adjusted profit before tax rose to £113.9m (up from £13.9m), unadjusted PBT £60.5m (up from £13.9m).
Revenue increased 48% year-over-year to £1.24bn.
Gross profit up 55% to £747.9m.
Customer deposits grew 48% to £16.6bn; total assets up 41% to £18.3bn.
Gross lending increased 36% to £1.9bn; loan loss rate improved to 7.5% from 8.9%.
Net interest margin decreased to 4.09% from 4.41%.
Cost to income ratio improved to 73% (adjusted for share sale).
CET1 ratio increased to 56%.
Outlook and guidance
Plans to accelerate product launches, expand further in the UK, EU, and US, and deepen customer engagement.
Well-positioned for a falling interest rate environment due to expanded structural hedging.
Continued focus on cost efficiency, risk management, and sustainable growth.
Expectation of ongoing macroeconomic and competitive challenges, but confident in resilience and growth trajectory.
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Frequently asked questions
Monzo Bank Limited is a United Kingdom-based digital bank that offers a range of retail banking services through its mobile-first platform. The company provides current accounts, savings accounts, overdrafts, loans, and debit card services, along with budgeting and financial management tools. Monzo operates primarily through its app and does not maintain a traditional branch network, focusing on technology-driven customer service and user experience. The bank serves individuals and small businesses within the UK. Monzo Bank Limited is headquartered in London, United Kingdom.