Metro Bank Reports Strong Q3 2025 Performance

Metro Bank Holdings PLC has reported continued strong financial performance for the third quarter of 2025. The bank demonstrated increased profitability, aligning with its full-year guidance. A notable highlight is the 12% growth in target lending segments since the first half of 2025, reflecting successful asset rotation strategies. The bank's credit portfolio remains robust, heavily collateralized, and well-provisioned.

Metro Bank's net interest margin reached 3.03%, within the annual target range of 3.00%-3.25%. The bank also maintains the lowest cost of deposits among UK High Street banks at 95bps. CEO Daniel Frumkin noted the ongoing positive momentum and confidence in achieving the bank's strategic objectives.

Total assets at the end of Q3 2025 were £16.2 billion, with net loans to customers amounting to £8.8 billion. The loan-to-deposit ratio stood at 67%, offering significant capacity for future asset growth. Looking ahead, the bank anticipates reclassification under the Bank of England's new policy, reducing MREL requirements.