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Read our Q3 Trading Update
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Here you can find the financial information you need about Shawbrook, including key figures, latest financial reports, presentations and the financial calendar.

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H1 2025 Performance Highlights

Exceptional customer franchise

2

Customer franchises

4

Core lending segments

4.6/5★

Trustpilot score ¹ (FY 2024: 4.7/5)

c.540,000

Customers served ² (H1 2024: c.550,000)

Entrepreneurial culture

14%

Annualised loan book growth to £17.0 billion³ (FY 2024: £15.9 billion)

4.4%

Net interest margin (H1 2024: 4.2%)

£168.6 million

Underlying profit before tax (H1 2024: £124.5 million); £163.1 million Statutory profit before tax (H1 2024: £127.1 million)

1,534

Employees ⁴ (H1 2024: 1,583)

Robust and sustainable platform

40.0%

Underlying cost to income ratio (H1 2024: 42.1%); 41.7% Statutory cost to income ratio (H1 2024: 41.2%)

42 bps

Cost of risk (H1 2024: 64bps)

18.3%

Adjusted underlying return on tangible equity⁵ (H1 2024: 14.9%); 17.6% Statutory adjusted underlying return on tangible equity (H1 2024: 15.3%)

13.1%

CET1 ratio (FY 2024: 13.0%)

15.8%

Total capital ratio (FY 2024: 15.9%)

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