Metro Bank Holdings Balance Sheet

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	2,185	2,811	3,891	1,956	3,568
Investment Securities	4,160	3,614	3,925	4,781	3,849
Trading Asset Securities	23	16	36	24	4
Mortgage-Backed Securities	-	876	954	1,133	1,725
Total Investments	4,183	4,506	4,915	5,938	5,578
Gross Loans	8,823	9,204	12,496	13,289	12,459
Allowance for Loan Losses	-	-191	-199	-187	-169
Net Loans	8,823	9,013	12,297	13,102	12,290
Property, Plant & Equipment	705	707	719	744	759
Goodwill	-	10	10	10	10
Other Intangible Assets	143	116	183	206	233
Investments in Real Estate	-	4	4	4	6
Accrued Interest Receivable	-	56	75	52	38
Other Receivables	-	2	1	1	2
Restricted Cash	-	53	50	39	36
Other Current Assets	81	36	42	33	28
Long-Term Deferred Tax Assets	230	240	-	-	-
Other Long-Term Assets	125	28	58	34	40
Total Assets	16,475	17,582	22,245	22,119	22,588
Accounts Payable	-	1	1	1	4
Accrued Expenses	-	107	146	99	76
Interest Bearing Deposits	13,845	9,067	12,977	11,926	12,930
Non-Interest Bearing Deposits	-	5,791	5,696	7,888	7,318
Total Deposits	13,845	14,858	18,673	19,814	20,248
Short-Term Borrowings	73	392	1,191	264	180
Current Portion of Leases	-	19	22	23	25
Current Income Taxes Payable	-	8	8	9	11
Other Current Liabilities	-	1	3	1	9
Long-Term Debt	684	675	694	571	588
Long-Term Leases	185	186	212	225	244
Long-Term Unearned Revenue	10	37	53	74	56
Long-Term Deferred Tax Liabilities	-	-	13	12	12
Other Long-Term Liabilities	194	115	95	70	100
Total Liabilities	14,991	16,399	21,111	21,163	21,553
Common Stock	146	-	-	-	-
Additional Paid-In Capital	-	144	144	1,964	1,964
Retained Earnings	1,075	1,022	978	-1,015	-942
Comprehensive Income & Other	263	17	12	7	13
Shareholders' Equity	1,484	1,183	1,134	956	1,035
Total Liabilities & Equity	16,475	17,582	22,245	22,119	22,588
Total Debt	942	1,272	2,119	1,083	1,037
Net Cash (Debt)	1,266	1,555	1,808	897	2,535
Net Cash Growth	-18.58%	-13.99%	101.56%	-64.61%	33.98%
Net Cash Per Share	1.86	2.30	8.19	5.20	14.70
Filing Date Shares Outstanding	670.56	672.98	672.68	172.54	172.42
Total Common Shares Outstanding	670.56	672.98	672.68	172.54	172.42
Book Value Per Share	2.21	1.76	1.69	5.54	6.00
Tangible Book Value	1,341	1,057	941	740	792
Tangible Book Value Per Share	2.00	1.57	1.40	4.29	4.59

Source: S&P Global Market Intelligence. Banks template. Financial Sources.