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Driven by purpose

Shawbrook was founded with a strong purpose, which continues to drive what we do every single day: to create opportunity for people, businesses and communities by recognising their individuality and supporting their ambitions.

Our ability to provide highly personalised solutions to our customers is enabled by the thoughtful combination and integration of modular technology with human expertise, judgement and ingenuity. We are able to move swiftly into carefully chosen markets where we can best deliver on our purpose with precision and creativity.

Powering up ingenuity

Throughout the year, we continued to invest in and strengthen our data capabilities and deploy innovative technology solutions across the business to further scale-up capacity and extend our distribution.

"As an organisation it means putting the customer at the heart of the Bank and also allowing the customer to see that we are one entity – one Shawbrook. We also want to be thought leaders and experts in our domain and also drive impact and value to the societies in which we play a part." Arthur Leung, Chief Product Officer

The roll-out of MyShawbrook portal to our buy-to-let property broker network during the year is a great example of this. Featuring application programme interface (API) access to external data sources and instant, integrated valuations led to a material reduction in time to offer and overall completion times for eligible buy-to-let cases.

Shawbrook is the “best-of-both”: uniquely combining the agility and customer service of a FinTech with human expertise and ingenuity to deliver market-leading profitability.


* Loan book growth to £8.6bn (2020: £7.1bn)


Profit before tax (2020: £73.5m)


Return on tangible equity (2020: 8.0%)


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CET1 capital ratio (2020: 12.6%)

* When adjusted to add back in the structured asset sale completed in September 2021 of The Mortgage Lender (TML) buy-to-let loans, which had a carrying amount at the point of derecognition of £342.6m.

Creating opportunity, every single day

At Shawbrook we’re powered by a talented workforce of over 1000 highly engaged people, empowered to use their expertise, judgement and creativity.

There’s an incredibly strong culture within the business that we’re very proud of and protective over. It not only plays a part in helping us attract great talent, but we’re constantly mindful of how the people that join Shawbrook continue to shape and foster our great culture.” Debbie Griffin, Chief People & Marketing Officer

In 2021 we were proud to become the Official Banking Partner of Saracens Rugby Club, one of the most successful UK rugby clubs for the last decade. The sponsorship includes our support across the Men’s and Women’s rugby and the Mavericks netball teams, as well as being a proud partner of the Saracens Foundation.

Exceptional Financial Performance

Our full year results delivered our best performance to date with profit before tax increasing to £197.2 million (2020: £73.5 million), delivering record origination levels and increasing our loan book to £8.6 billion (2020: £7.1 billion). Our strong capital position, supported by high levels of liquidity, were also maintained across the year and we delivered an underlying return on tangible equity of 20.1% (2020: 8.0%).

26% Loan Book Growth to £8.6 billion

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Profit before tax of £197.2 million

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Consistent and sustainable growth in retail deposits to £8.4 billion

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Ability to flex

"With the ongoing investment in our people, platforms and data, we are confident in our ability to flex and adapt and provide innovative solutions to meet our customers’ needs – now and into the future.” - Dylan Minto, Chief Financial Officer

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- Customers Served during 2021

Responding to customer needs combining expert human judgement and data analysis

"Collaborating with FundingXchange to co-develop a new portfolio monitoring tool has given us the ability to generate dynamic actionable customer insights, by combining our own data with multiple external sources including credit bureau. As a result, we are now positioned to predict issues significantly earlier than previously, which complements other advances we have made in automating our broader portfolio monitoring and watchlist activities, giving us a more dynamic view into the risk we manage." - Neil Rudge, Managing Director of our Enterprise Franchise

Scalable distribution through partnerships and connectivity

"Shawbrook leverages highly efficient cloud-based lending platforms, end-to-end digital distribution in Consumer with almost 100% auto-decisioning in personal loans as well as a branchless distribution strategy. We have a deep understanding of our customers’ needs based on 10+ years of proprietary data. This is built on an infrastructure supported by partnerships with more than 30 FinTechs and data providers." - Paul Went, Managing Director of our Consumer Franchise

Leveraging deep expertise

"There are few lenders in the market that can turn around such complex funding requirements in such a short timeframe. Despite the time pressure, Shawbrook was able to demonstrate its ability to understand the borrower’s business plan and structured a bespoke loan facility to suit their requirements. The strong relationship between Shawbrook, West Rock Capital and the borrower meant that all potential issues were identified and resolved early. We are delighted to continue growing this relationship and I look forward to working with Shawbrook again in the near future." - Westley Richards, Director at West Rock Capital

© 2022 Shawbrook Bank Limited. All rights reserved. Shawbrook Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 204574). Registered Office: Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex, CM13 3BE.