Metro Bank Holdings PLC (STU:6MB0)

Full Year 2025 Metro Bank Holdings PLC Earnings Call Transcript

Mar 4, 2026 / 09:00 AM GMT

Release Date Price: €1.26 (-2.33%)

Transcript

Key Points

Positve

Metro Bank Holdings PLC (MTRBF) reported a record underlying profit of £98 million for 2025, the highest in its history.
The company achieved a 16% revenue growth, driven by a 22% increase in net interest income, outperforming other UK banks.
Metro Bank Holdings PLC (MTRBF) reduced its cost by 7%, ahead of guidance, and improved its cost-income ratio.
The bank has a strong liquidity position with a loan-to-deposit ratio of 66% and a liquidity coverage ratio over 300%.
Metro Bank Holdings PLC (MTRBF) has a strategic funding advantage with the lowest funding costs among high street banks, allowing for competitive lending yields.

Negative

The company faces uncertainty in interest rates, which could impact net interest margins and revenue.
Metro Bank Holdings PLC (MTRBF) has lowered the lower end of its net interest margin guidance due to rate uncertainty.
The bank's capital return strategy is not yet fully defined, creating uncertainty about future capital allocation.
There is a potential risk from AI-driven deposit sweeping, which could impact the bank's business model.
The company has not provided specific guidance on CET1 ratio beyond 2028, leaving some uncertainty about long-term capital adequacy.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

MTRO.L - Metro Bank Holdings PLC
Full Year 2025 Metro Bank Holdings PLC Earnings Call
Mar 04, 2026 / 09:00AM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Hello everyone and thank you for joining the Metrobank Holdings PLC full year Results 2025. My name is Gabrielle and I will be coordinating your call today.

During the presentation, you can register a question by pressing followed by 1 on your telephone keypad. If you change your mind, please press followed by 2 on your telephone keypad.

I will now hand over to your host Daniel Frumkin, CEO of Metro Bank. Please go ahead.

--------------------------------------------------------------------------------
Unidentified_2 [2]
--------------------------------------------------------------------------------
Thank you, Gabrielle. Good morning.

I'm Dan Frumkin, CEO of Metro Bank,

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

30-Day 100% money back guarantee

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.