Banks
Metro Bank is a UK challenger bank focused on retail and increasingly specialist commercial lending. It operates a smaller branch network than the major banks and is repositioning toward higher-return corporate, SME and specialist mortgage lending.
Current and savings accounts, SME and corporate banking, specialist mortgages, commercial lending, deposits, payment services and branch and digital banking.
The United Kingdom, serving retail savers, small and medium-sized businesses, commercial customers and specialist mortgage borrowers.
Loan growth in higher-yielding segments, deposit costs, net interest margin, credit quality, cost reduction, capital strength and continued execution of the bank's turnaround strategy.
Credit losses, funding and deposit competition, regulatory capital requirements, interest-rate movements, concentration in specialist lending, reputational risk and failure to deliver sustainable profitability.
4 August 2026: Metro Bank reported record first-half pre-tax profit of £60.7m, up 38%. Growth was led by corporate, SME and specialist mortgage lending, with specialist mortgages increasing 73% to £2.2bn.
Metro Bank does not currently pay an ordinary dividend and there is no 2026 ex-dividend date. Capital is being retained to support the turnaround, lending growth and regulatory requirements.
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