Arbuthnot Banking Group Income Statement

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	247.25	263.44	231.84	120.01	77.1
Interest Paid on Deposits	129.12	137.57	95.22	20.93	13.03
Net Interest Income	118.13	125.87	136.62	99.08	64.08
Net Interest Income Growth (YoY)	-6.15%	-7.87%	37.89%	54.63%	10.36%
Gain (Loss) on Sale of Assets	-0	0.04	0.02	0.01	2.24
Other Non-Interest Income	55.77	55.3	44.8	39.93	25.72
Total Non-Interest Income	55.76	55.34	44.82	35.35	27.95
Non-Interest Income Growth (YoY)	0.76%	23.48%	26.77%	26.48%	93.55%
Revenues Before Loan Losses	173.89	181.21	181.44	134.43	92.03
Provision for Loan Losses	2.5	6.28	3.19	5.5	3.2
Revenue	171.39	174.93	178.25	128.93	88.83
Revenue Growth (YoY)	-2.03%	-1.86%	38.25%	45.14%	27.54%
Salaries and Employee Benefits	94.6	90.64	79.71	71.75	58.19
Occupancy Expenses	7.85	7.19	5.27	2.32	2.42
Amortization of Goodwill & Intangibles	3.68	3.02	4.92	4.03	3.21
Selling, General & Administrative	19.19	22.62	25.43	30.02	25.38
Other Non-Interest Expense	0.89	0.72	0.24	0.17	0.43
Total Non-Interest Expense	126.25	125.42	118.41	108.92	93.42
EBT Excluding Unusual Items	45.14	49.52	59.83	20.01	-4.59
Asset Writedown	-20.92	-14.27	-12.65	-	-
Other Unusual Items	-0.04	-0.16	-0.07	-	9.23
Pretax Income	24.18	35.09	47.12	20.01	4.64
Income Tax Expense	6.37	10.24	11.74	3.55	-2.15
Earnings From Continuing Operations	17.81	24.85	35.38	16.46	6.79
Net Income	17.81	24.85	35.38	16.46	6.79
Net Income to Common	17.81	24.85	35.38	16.46	6.79
Net Income Growth	-28.34%	-29.75%	114.97%	142.53%	-
Basic Shares Outstanding	16	16	16	15	15
Diluted Shares Outstanding	16	16	16	15	15
Shares Change (YoY)	-	2.77%	5.70%	-	-0.01%
EPS (Basic)	1.09	1.52	2.23	1.10	0.45
EPS (Diluted)	1.09	1.52	2.23	1.10	0.45
EPS Growth	-28.36%	-31.65%	103.37%	142.53%	-
Dividend Per Share	0.530	0.490	0.460	0.420	0.380
Dividend Growth	8.16%	6.52%	9.52%	10.53%	-
Effective Tax Rate	26.36%	29.17%	24.91%	17.75%	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.