Metro Bk Hldgs Plc (MTRBF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello, everyone, and thank you for joining the Metrobank Holdings PLC Full Year Results 2025. My name is Gabrielle, and I will be coordinating your call today. During the presentation, you can register a question by pressing star followed by one on your telephone keypad. If you change your mind, please press star followed by two on your telephone keypad. I will now hand over to your host, Daniel Frumkin, CEO of Metrobank. Please go ahead. Thank you, Gabrielle. Good morning. I'm Dan Frumkin, CEO of Metro Bank, and thank you so much for joining us today as we reveal our fiscal year 2025 results. Before I get into the numbers, I just wanted to take a moment to talk about how pleased I am with how well we're delivering the strategy that we outlined two years ago. The results you're going to see today are testament to all of the hard work from all of the colleagues across Metro, and I can't thank them enough for their efforts. So let's get stuck in. In terms of the agenda, I'll do a few slides as an overview, then Mark Page, the CFO, will join us to walk through the financial performance in more detail. And then I'll come back on to talk about a few slides about how the existing strategy continues to drive the future. And then obviously, we're happy to take your questions. So let's start with what is a really strong performance. We generated a 98 million pound underlying profit for 2025. That is the highest in the history of Metro Bank. And not only did we generate the highest profit in the history of Metro Bank, we also generated the most revenue, the most NII, and the highest NIM in the history of Metro Bank. You can see our exit NIM was 317. That is in line towards the upper end of the guidance we provided. We generated a RODI of 6.4%, again, in line with guidance, and...