Metro Bk Hldgs Plc (MTRBF) Q4 2023 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:01.813 Good morning. 00:00:01.813 -- 00:00:04.636 Welcome to Metro Bank's Full Year Results 2023. 00:00:04.636 -- 00:00:08.841 I'm Dan Frumkin, the CEO of Metro Bank, which I hope you actually knew. 00:00:08.841 -- 00:00:13.907 I'm joined by Christina this morning, who is interim CFO and will walk through the 00:00:13.907 -- 00:00:18.913 financials. Christina was kind enough to join us and we were lucky enough 00:00:18.913 -- 00:00:24.027 to recruit her. She has lots of experience from her time at GE Capital. 00:00:24.027 -- 00:00:28.414 and then in Oak North. She'll make the handover to Mark Page, who we announced as our 00:00:28.414 -- 00:00:32.480 permanent CFO, who will be joining us late in the summer or early in the autumn. 00:00:32.480 -- 00:00:37.468 And we're excited Mark's joining us. His experience, both at Barclays, Lloyds, and Halifax, 00:00:37.468 -- 00:00:42.215 means he has a deep knowledge of the UK retail banking, which is where we are focused 00:00:42.215 -- 00:00:47.423 and going to stretch our legs. So with that, let me kick on with the presentation. 00:00:47.423 -- 00:00:49.927 I'm going to talk for a few minutes, then I'm going to turn it over to Christina. 00:00:49.927 -- 00:00:53.221 So listen, significant progress in 2023. 00:00:53.221 -- 00:00:54.623 2023, 00:00:54.623 -- 00:00:58.168 from an operational perspective, was an excellent year. 00:00:58.168 -- 00:01:03.335 We delivered across almost every key KPI. The strategy is working. 00:01:03.335 -- 00:01:08.178 The results coming off the back of the strategy are self-evident in the numbers. 00:01:09.483 -- 00:01:13.128 Deposits grew in the second half of the year. 00:01:13.128 -- 00:01:17.980 They were up 1% half on half. They continued to grow into February. 0...