Arbuthnot Banking Group Income Statement

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	259.08	263.44	231.84	120.01	77.1	75.08
Interest Paid on Deposits	136.55	137.57	95.22	20.93	13.03	17.02
Net Interest Income	122.53	125.87	136.62	99.08	64.08	58.06
Net Interest Income Growth (YoY)	-5.97%	-7.87%	37.89%	54.63%	10.36%	-0.99%
Gain (Loss) on Sale of Assets	0.04	0.04	0.02	0.01	2.24	-
Other Non-Interest Income	56.41	55.3	44.8	39.93	25.72	14.44
Total Non-Interest Income	56.44	55.34	44.82	35.35	27.95	14.44
Non-Interest Income Growth (YoY)	9.89%	23.48%	26.77%	26.48%	93.55%	4.44%
Revenues Before Loan Losses	178.97	181.21	181.44	134.43	92.03	72.5
Provision for Loan Losses	6.66	6.28	3.19	5.5	3.2	2.85
Revenue	172.31	174.93	178.25	128.93	88.83	69.65
Revenue Growth (YoY)	-4.21%	-1.86%	38.25%	45.14%	27.54%	-2.72%
Salaries and Employee Benefits	90.64	90.64	79.71	71.75	58.19	42.77
Occupancy Expenses	7.19	7.19	5.27	2.32	2.42	1.98
Amortization of Goodwill & Intangibles	3.02	3.02	4.92	4.03	3.21	2.83
Selling, General & Administrative	22.62	22.62	25.43	30.02	25.38	23.67
Other Non-Interest Expense	8.08	0.72	0.24	0.17	0.43	-0.68
Total Non-Interest Expense	132.78	125.42	118.41	108.92	93.42	70.43
EBT Excluding Unusual Items	39.54	49.52	59.83	20.01	-4.59	-0.78
Asset Writedown	-14.27	-14.27	-12.65	-	-	-0.21
Other Unusual Items	-0.16	-0.16	-0.07	-	9.23	-0.1
Pretax Income	25.11	35.09	47.12	20.01	4.64	-1.09
Income Tax Expense	8.75	10.24	11.74	3.55	-2.15	0.24
Earnings From Continuing Operations	16.36	24.85	35.38	16.46	6.79	-1.33
Net Income	16.36	24.85	35.38	16.46	6.79	-1.33
Net Income to Common	16.36	24.85	35.38	16.46	6.79	-1.33
Net Income Growth	-46.98%	-29.75%	114.97%	142.53%	-	-
Basic Shares Outstanding	16	16	16	15	15	15
Diluted Shares Outstanding	16	16	16	15	15	15
Shares Change (YoY)	-0.02%	2.77%	5.70%	-	-0.01%	0.30%
EPS (Basic)	1.00	1.52	2.23	1.10	0.45	-0.09
EPS (Diluted)	1.00	1.52	2.23	1.10	0.45	-0.09
EPS Growth	-46.98%	-31.65%	103.37%	142.53%	-	-
Dividend Per Share	0.510	0.490	0.460	0.420	0.380	-
Dividend Growth	8.51%	6.52%	9.52%	10.53%	-	-
Effective Tax Rate	34.86%	29.17%	24.91%	17.75%	-	-

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.