METRO BANK PLC
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Cash
—
Latest balance sheet
Net assets
£1.6bn
+34% highest in 3 filed years
Employees
2,859
-17.3% lowest in 3 filed years
Profit before tax
£50m
+124.2% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £177,800,000 | £461,300,000 | +159.4% | |
| Fee & commission income | — | £34,500,000 | £43,600,000 | +26.4% | |
| Operating income | — | £250,200,000 | £545,800,000 | +118.1% | |
| Impairment losses | — | £7,100,000 | £14,300,000 | +101.4% | |
| Profit before tax | £49,300,000 | -£207,600,000 | £50,200,000 | +124.2% | |
| Net profit | — | — | — | — | |
| Loans & advances to customers | — | £9,013,000,000 | £8,823,000,000 | -2.1% | |
| Customer deposits | — | £14,458,000,000 | £13,445,000,000 | -7% | |
| Total assets | £22,267,000,000 | £17,597,000,000 | £16,511,000,000 | -6.2% | |
| Total liabilities | £21,104,000,000 | £17,040,000,000 | £14,988,000,000 | -12% | |
| Equity | £1,163,000,000 | £1,202,000,000 | £1,615,000,000 | +34.4% | |
| Average employees | 4,286 | 3,455 | 2,859 | -17.3% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 5.7% | -51.2% | — | |
| Gearing (liabilities / total assets) | 94.8% | 93.2% | — | |
| Interest cover | 0.05x | -0.24x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- METRO BANK PLC 2009-09-29 → present
- METRO BANK LIMITED 2007-11-06 → 2009-09-29
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Consistent with their approach to considering viability, the Directors assessed whether we continued to maintain sufficient liquidity and capital for the period of assessment. Given this assessment, combined with the fact that the Directors do not intend to liquidate or cease our operations, they concluded that there was a reasonable expectation that we have adequate resources to continue as a going concern. They have also concluded that there are no material uncertainties that could cast significant doubt over our assessment.”
Group structure
- METRO BANK PLC · parent
- SME Invoice Finance Limited 100%
- SME Asset Finance Limited 100%
Significant events
- “Approved Metro Bank's Internal Liquidity Adequacy Assessment Process (ILAAP).”
- “Approved Metro Bank's Long Term Plan and risk appetite.”
- “Completion of the £584 million unsecured personal loan book sale.”
- “Chester Store Opening.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
13 active · 27 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GILLIGAN, Clare | Secretary | 2023-07-31 | — | — |
| ALBA OCHOA, Cristina | Director | 2024-06-10 | Aug 1973 | Spanish |
| BROWN, Catherine Ann | Director | 2018-10-01 | Mar 1966 | British |
| COBY, Paul Jonathan | Director | 2024-12-30 | Oct 1955 | British |
| DORAN, Catherine Martina | Director | 2026-01-01 | Sep 1956 | Irish |
| FRUMKIN, Daniel Sweeney | Director | 2020-01-01 | Jun 1964 | British,American |
| GILINSKI, Dorita | Director | 2022-09-26 | Oct 1989 | American,Spanish |
| GILINSKI BACAL, Jaime | Director | 2024-09-02 | Dec 1957 | Panamanian |
| PAGE, Marc Stephen | Director | 2024-11-12 | Dec 1973 | British |
| SHARPE, Robert | Director | 2020-11-01 | Feb 1949 | British |
| THANDI, Pavandeep Paul | Director | 2019-01-01 | Feb 1966 | British |
| TORPEY, Michael Gerard | Director | 2019-09-01 | Apr 1959 | Irish |
| WINSOR, Nicholas Gary | Director | 2020-04-20 | Jul 1961 | British |
Show 27 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARDEN, David Thomas | Secretary | 2018-03-29 | 2020-12-01 |
| BRIERLEY, Michael Charles | Secretary | 2009-07-20 | 2018-03-29 |
| CONWAY, Melissa Ann | Secretary | 2020-12-01 | 2022-12-31 |
| WALLACE, Stephanie | Secretary | 2022-12-31 | 2023-07-31 |
| HCS SECRETARIAL LIMITED | Corporate Nominee Secretary | 2007-11-06 | 2007-11-06 |
| UPPER STREET COMPANY SECRETARIES LTD | Corporate Secretary | 2007-11-07 | 2009-07-20 |
| ARDEN, David Thomas | Director | 2018-03-29 | 2022-02-15 |
| BERNAU, Stuart David Murray | Director | 2010-03-05 | 2020-05-18 |
| BRIERLEY, Michael Charles | Director | 2010-03-05 | 2018-03-29 |
| CARBY, Keith Arthur | Director | 2010-03-05 | 2019-04-30 |
| CLARK, Sally Jane | Director | 2020-01-01 | 2022-06-30 |
| DONALDSON, Craig Francis | Director | 2010-03-05 | 2019-12-31 |
| FARAH, Roger | Director | 2014-02-01 | 2020-03-13 |
| FLIGHT, Howard Emerson | Director | 2010-03-05 | 2019-04-01 |
| GRIM, Anne Marie | Director | 2020-04-20 | 2023-12-31 |
| GUNN, Alastair Roy Geoffrey | Director | 2010-03-05 | 2019-12-31 |
| HARDIE, Graeme | Director | 2010-10-18 | 2013-05-01 |
| HENDERSON, Ian Arthur | Director | 2020-04-20 | 2023-12-31 |
| HILL, Vernon William | Director | 2008-08-18 | 2019-12-17 |
| HOPKINSON, James William Alistair, Mr. | Director | 2022-09-05 | 2024-01-12 |
| JOHNSON, Luke | Director | 2011-10-01 | 2014-10-03 |
| LOCKHART, Harry Eugene | Director | 2010-03-05 | 2020-04-28 |
| MELIS, Anna Monique | Director | 2017-06-20 | 2023-12-31 |
| REUBEN, James Adam | Director | 2011-10-01 | 2015-01-20 |
| SNYDER, Michael John, Sir | Director | 2015-09-22 | 2021-10-31 |
| THOMSON, Anthony William | Director | 2007-11-07 | 2012-09-21 |
| HANOVER DIRECTORS LIMITED | Corporate Nominee Director | 2007-11-06 | 2007-11-06 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Metro Bank Holdings Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2023-05-19 | Active |
Filing timeline
Last 20 of 237 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-13 | AA | accounts | Accounts with accounts type group | |
| 2026-07-06 | AP01 | officers | Appoint person director company with name date | |
| 2026-07-06 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-06-01 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-10 | CH01 | officers | Change person director company with change date | |
| 2026-01-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-27 | AA | accounts | Accounts with accounts type group | |
| 2025-04-08 | SH07 | capital | Capital cancellation shares by plc | |
| 2025-01-09 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-12 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-21 | CH01 | officers | Change person director company with change date | |
| 2024-06-23 | AA | accounts | Accounts with accounts type group | |
| 2024-06-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-10 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-01-17 | SH01 | capital | Capital allotment shares | |
| 2024-01-12 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-02 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 1
- Officers appointed
- 1
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.