Rise of the new banks: Metro Bank sees 顧客 殺到する as 136,000 溝へはまらせる／不時着する the old 巨大（な）s and 調印する up for 経常収支s

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Metro Bank ? Britain’s first new high street 貸す人 for more than a century when it 開始する，打ち上げるd in 2010 ? saw 顧客 numbers ロケット／急騰する in the last year as it capitalised on the unpopularity of the ‘big five’ banks.

Metro Bank, which operates in London and the South East of England, said this morning that 顧客 accounts rose by 183 per cent to 136,000 last year ? and by a その上の 25 per cent growth in the first three months of 2013.

顧客 deposits nearly trebled to £576million and this was 反映するd by growth in its 貸付金 調書をとる／予約する, which stood at £168million at the end of 2012.

Growing numbers: Metro has 明らかにする／漏らすd that 顧客s are flocking to the bank and 開始 経常収支s

New 挑戦者s such as Metro Bank, Virgin Money, M&S Bank and Aldermore have looked to 選ぶ up 顧客s that have grown unhappy with the service 供給するd by bigger banks, or those who have been shunned by 設立するd 貸す人s as they 縮む balance sheets and build up 資本／首都 reserves to 会合，会う new 規則s.

Yesterday, online and telephone b ank Aldermore 発表するd it 生成するd its first 年次の 利益（をあげる） since 開始する，打ち上げるing nearly four years ago.

Aldermore's 逮捕する lending rose 77 per cent to £899million as it also tapped into the 基金ing for Lending 計画／陰謀 開始する，打ち上げるd last summer by the 財務省 and the Bank of England.

Britain's 'Big Five' banks - Lloyds, RBS, Barclays, HSBC and Santander UK - have been 疫病／悩ますd by スキャンダルs 範囲ing from the mis-selling of 貸付金 保険 to the 船の索具 of （判断の）基準 利益／興味 率s.

While Britain’s biggest building society 全国的な 苦しむd an embarrassing IT hiccup last week.

This is Money asked Metro Bank for more 詳細（に述べる）d mortgage lending 詳細（に述べる）s, but it doesn’t 分裂（する） out mortgage data from the lending 人物／姿／数字s - a 広報担当者 did say it has lent to thousands of mortgage borrowers.

In November 2011, we 明らかにする／漏らすd it had lent mortgages to just 100 顧客s in 15 months as it struggled against the market leaders.

Vernon Hill: Co-創立者 of Metro Bank has enjoyed 抱擁する success in the US

Metro Bank made a 逮捕する loss of £34.6million last year, which it said 反映するd 重要な 投資 in building 蓄える／店s, 組織／基盤／下部構造 and systems.

The losses を強調する costs associated with developing a new bank at a time when 政府 大臣s are 試みる／企てるing to foster 競争 with a host of 政策 対策.

Metro Bank opened its 17th ‘蓄える／店’ in Guildford last month and its 運動-thru bank in Slough opens tomorrow. It 計画（する）s to have 25 by the end of the year ? and it 目的（とする）s to have 200 by 2020.

The bank raised £126million in June from 外部の 投資家s to 基金 未来 拡大 and is 的ing a 名簿（に載せる）／表（にあげる）ing on the London 在庫／株 交流 in 2014.

Craig Donaldson, 長，指導者 (n)役員／(a)執行力のある of Metro Bank, said: ‘Both Metro Bank and its 投資家s are very pleased with this 始める，決める of strong results. The last 12 months have been an exciting period in Metro Bank’s growth and 開発.

‘We’ve 意味ありげに 拡大するd our rea ch throughout London and the surrounding areas, and as a result of a very successful 一連の会議、交渉／完成する of fundraising, have been able to 投資する ひどく in our 網状組織, 科学（工学）技術 and people.

‘Our success can be 手段d through the 容積／容量 of 顧客s that are walking through our doors and joining the 革命. Given this 圧倒的な support, we’re on 跡をつける to 達成する our ambitious growth 計画（する）s.’

Metro Bank is 現在／一般に 開始 over 10,000 new accounts a month, and since the end of 2012 deposits have 増加するd by more than a third, while lending to personal and small and medium 商売／仕事s has 増加するd by over 50 per cent.

Since its 開始する，打ち上げる in 2010, it has created more than 750 職業s and it is also committed to 雇うing 150 見習い工s in the next three years.

WHAT NEXT FOR METRO BANK?

Comment by This is Money banking 特派員 物陰／風下 Boyce.

When I popped into Metro Bank’s shiny offices in Holborn to have a 雑談（する） with Craig Donaldson last month, I was impressed by his （疑いを）晴らす enthusiasm and love for the brand ? and how he? 計画（する）s to develop it in the 未来.

Craig 本人自身で （ーのために）とっておくs towns a nd 部隊s where Metro ‘蓄える／店s’ ? he prefers to call them 蓄える／店s rather than 支店s ? should go next. The main 焦点（を合わせる） is to 勃発する of the M25 回廊（地帯） and into major 減刑する／通勤するing towns.

He says that if I 選ぶd 50 towns in the London-減刑する／通勤するing area where Metro are 現在／一般に looking at, I would probably 予報する at least 47 正確に ? we’re talking places like Brighton, Cambridge and Southend ? 高度に 居住させるd towns and cities.

We also talked through some of the 過度の red-tape that the bank has to go through to get a new 蓄える／店 opened.

Because it prefers ‘小売’ 蓄える／店 部隊s, and they have to be on a corner, 許可 for change of use has to be 認めるd ? and this can be a drawn-out 過程.

会議s worry that because it is a bank, it will be ‘dead space’ at the 週末s, as 伝統的に banks don’t open. But Metro does.

With 解放する／自由な cash machine 撤退s abroad on its 経常収支, and other helpful services such as coin counting, an in-支店 board to show what 貯金 率s are, safety deposit boxes, 顧客 洗面所s and, above all, a 明言する／公表するd 焦点（を合わせる） on service, Metro Bank seems to be attracting those looking for an 代案／選択肢 to スキャンダル-laden banks.

It remains to be seen if it can keep up this type of growth - and whether it can 得る millions of 経常収支 顧客s needed to be truly considered as 競争 to the banking 巨大（な）s.