Shawbrook provides specialist finance to a broad and diverse range of customer segments, each of which values the flexibility, speed and certainty we deliver.
Download 2025 Annual Report
We continued to deliver attractive returns, with underlying profit before tax of £340.5 million and an underlying return on tangible equity of 17.2%. The scale and diversity of our portfolio, underpinned by a performance-driven, entrepreneurial culture, continues to provide resilience and opportunity.
Our specialist lending markets
A broad range of specialist funding solutions for established and growing UK businesses.
Specialist funding for portfolio landlords and experienced property professionals with often diversified, multi-property portfolios.
Our multi-brand proposition delivers owner-occupied and buy-to-let mortgages through an established intermediary network.
Specialist motor finance and unsecured personal loans, underpinned by established partnerships with dealers, brokers and digital marketplaces.
Our strategy is underpinned by five strategic advantages that differentiate our business and support consistent performance. Together, they create a resilient and scalable specialist banking model, enabling us to deploy capital selectively, manage risk through the cycle, and deliver sustainable shareholder returns.
Diversified markets
Broad total addressable market (TAM) across 4 core segments, enabling flexible capital deployment and creating multiple opportunities
Technology-enabled
Technology and data-enabled platform enhances customer experiences and supports operating leverage
Entrepreneurial culture
Experienced management team and entrepreneurial culture, creating long-term value through organic growth and disciplined, value-accretive M&A
Specialist at scale
Specialist lending delivered through a multi-brand portfolio and broad distribution channels.
Credit discipline
Disciplined underwriting and forward-looking risk management delivering stable cost of risk across varying macroeconomic conditions
Diversified markets
Broad total addressable market (TAM) across 4 core segments, enabling flexible capital deployment and creating multiple opportunities
Specialist at scale
Specialist lending delivered through a multi-brand portfolio and broad distribution channels.
Technology-enabled
Technology and data-enabled platform enhances customer experiences and supports operating leverage
Credit discipline
Disciplined underwriting and forward-looking risk management delivering stable cost of risk across varying macroeconomic conditions
Entrepreneurial culture
Experienced management team and entrepreneurial culture, creating long-term value through organic growth and disciplined, value-accretive M&A
Data-led risk management, scalable technology and disciplined capital allocation underpin resilient growth and the consistent delivery of sustainable, attractive risk-adjusted returns.
Underlying profit before tax
Underlying return on tangible equity
Underlying basic EPS
Growth in loan book
(including originate to distribute assets)
Underlying cost to income ratio
Underlying cost of risk
CET1 ratio
Total capital ratio
"2025 was an important year for Shawbrook. We delivered a strong set of results that reinforced our position as a leading specialist bank and marked our return to the public markets. We maintained strong momentum throughout the year, delivering further efficiency gains and strong risk-adjusted returns, alongside loan book growth of 16%."
Our savings business plays a crucial role in funding our lending operations, offering attractive returns to customers while maintaining strong liquidity. With deposits of £18.4 billion, we support hundreds of thousands of savers across the UK. Our Digital Savings Platform has transformed the savings experience, with high levels of customer engagement and retention demonstrating the quality of our proposition.
of customers on new digital platform
of instructions now digital
customer retention
"Our premium proposition, built on delivering specialist expertise and high-quality service, enabled us to continue to support key parts of the UK economy, particularly SMEs and professional property investors. Our model operates at scale, allowing us to serve our customers consistently across evolving market conditions, while maintaining a prudent approach to risk and capital."
With a clear strategy, strong momentum and a scalable platform, Shawbrook is well positioned to deliver sustainable long-term value as a listed specialist bank.
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