Metro Bank Holdings PLC - Trading Update Q3 2024
Metro Bank Holdings PLC - Trading Update Q3 2024
Metro Bank Holdings PLC (LSE: MTRO LN) ("Metro Bank")
地鐵銀行控股PLC（倫敦證券交易所：MTRO LN）（"地鐵銀行"）
- During October, Metro Bank was profitable on an underlying basis and profits are in line with guidance for 2025 of mid-to-upper single digit RoTE
- NIM improved to 2.48% during October, up 84bps since H1 2024
- This delivers the 2024 guidance previously provided. Metro Bank reconfirms all forward guidance provided at half-year results
- 在2023年10月，地鐵銀行在基礎層面上盈利，利潤符合2025年中高個位數的投資回報率指導目標
- 2023年10月的淨利息收入改善至2.48%，比2024年上半年上升了84個點子
- 這實現了之前提供的2024年指導。地鐵銀行重申了在半年業績中提供的所有前瞻性指導
Third Quarter 2024 Trading Update
2024年第三季度交易更新
£ in millions |
30 September 2024 |
30 June 2024 |
Change from H1 2024 |
30 September 2023 |
Change from Q3 2023 |
Assets |
£20,804 |
£21,489 |
(3%) |
£21,606 |
(4%) |
Loans |
£9,059 |
£11,543 |
(22%) |
£12,513 |
(28%) |
Deposits |
£15,084 |
£15,726 |
(4%) |
£15,612 |
(3%) |
Loan to deposit ratio |
60% |
73% |
(13pp) |
80% |
(20pp) |
百萬英鎊 |
30 九月 2024 |
30 六月 2024 |
變動自 上半年 |
30 九月 2023 |
更改來自 Q3 2023 |
資產 |
£20,804 |
£21,489 |
（3%） |
£21,606 |
（4％） |
貸款 |
£9,059 |
11,543 |
（22%） |
£12,513 |
(28%) |
存款 |
£15,084 |
£15,726 |
(4%) |
£15,612 |
(3%) |
貸存比 |
60% |
73% |
(13頁) |
80% |
(20頁) |
Total net loans as at 30 September 2024 were £9.1 billion, down 22% compared to half year (30 June 2024: £11.5 billion), reflecting the successful completion of the £2.5[1] billion mortgage portfolio disposal. The bank continues to strategically reposition its balance sheet towards higher yielding commercial, corporate, SME and specialist mortgages.
截至2024年9月30日，淨貸款總額爲91億英鎊，比半年的116億英鎊（2024年6月30日: 115億英鎊）下降了22%，這反映了25億英鎊抵押貸款組合處置的成功完成。銀行繼續戰略性地將資產負債表重新配置爲更高收益的商業、公司、中小板和專業抵押貸款。
Customer deposits of £15.1 billion at 30 September 2024, down £1.4 billion on February 2024 peak of c.£16.5 billion (30 June 2024: £15.7 billion), reflect the continued focus on improving cost of deposits.
截至2024年9月30日，客戶存款爲151億英鎊，較2024年2月的165億英鎊高峰減少了14億英鎊（2024年6月30日: 157億英鎊），這反映出持續關注改善存款成本。
As separately announced today, the Financial Conduct Authority has completed its enquiries regarding Metro Bank's historic financial crime systems and controls.
正如今天單獨宣佈的，金融行爲監管局已完成對Metro Bank歷史財務犯罪系統和控制的調查。
Daniel Frumkin, Chief Executive Officer of Metro Bank, said:
Metro Bank首席執行官Daniel Frumkin表示：
"Metro Bank continued to make strong progress during the third quarter, including the announcement of our collaboration with Infosys to create a simpler, more agile and digitally enabled bank for the future."
"Metro Bank在第三季度繼續取得強勁進展，包括宣佈與印孚瑟斯合作，創建一個更簡單、更靈活和數字化的未來銀行。"
"The bank returned to profitability in October, in line with guidance, and thanks to our continued emphasis on cost discipline and balance sheet management. NIM improved, driven by our asset rotation into niche and underserved markets, and the successful completion of the mortgage portfolio sale to NatWest."
"銀行在十月份恢復了盈利，符合預期，這得益於我們對成本控制和資產負債管理的持續重視。淨利息收益率改善，得益於我們將資產轉向利基市場和未得到充分服務的市場，以及成功完成對natwest的抵押貸款組合出售。"
"We have positive momentum moving forward, with strong cost control and a robust pipeline supporting our pivot towards higher yielding commercial, corporate, SME and specialist mortgages – areas where our established relationship banking model positions us to win and create new FANS."
"我們在前進過程中勢頭積極，強大的成本控制和良好的業績支持我們的轉型，向更高收益的商業、企業、中小板和專業抵押貸款發展——這些領域我們的關係銀行模式使我們能夠勝出並創造新的FANS。"
譯文內容由第三人軟體翻譯。
