Arbuthnot Banking Group Balance Sheet

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
Cash & Equivalents	555.05	978.86	905.94	848.52	888.14
Investment Securities	2,035	1,205	946.38	443.16	304.1
Trading Asset Securities	1.4	2.97	4.21	6.32	1.88
Total Investments	2,037	1,208	950.59	449.48	305.97
Gross Loans	2,032	2,153	2,109	2,063	1,890
Allowance for Loan Losses	-13.16	-11.59	-6.81	-6.6	-6.39
Other Adjustments to Gross Loans	-58.69	-46.86	-37.8	-20.8	-12.37
Net Loans	1,961	2,094	2,064	2,036	1,871
Property, Plant & Equipment	355.07	360.88	327.12	182.99	141.56
Goodwill	5.2	5.2	5.2	5.2	5.2
Other Intangible Assets	28.25	25.36	24.39	27.35	24.66
Investments in Real Estate	5.25	5.25	5.95	6.55	6.55
Other Receivables	8.63	7.76	22.36	14.16	13.1
Other Current Assets	39.84	38.94	29.99	28.63	26.42
Long-Term Deferred Tax Assets	-	-	-	2.43	2.56
Other Real Estate Owned & Foreclosed	3.4	5	8.08	12.68	73.74
Total Assets	4,998	4,729	4,344	3,614	3,359
Accounts Payable	20.49	6.23	18.54	4.95	5.08
Accrued Expenses	22	29.16	22.16	21.19	14.05
Interest Bearing Deposits	1,416	1,571	1,792	1,405	1,219
Non-Interest Bearing Deposits	3,156	2,754	2,161	1,924	1,859
Total Deposits	4,572	4,325	3,953	3,329	3,078
Short-Term Borrowings	-	-	1.03	0.14	0.17
Current Portion of Leases	3.96	1.09	2.56	3.4	5.8
Current Income Taxes Payable	-	3	0.29	1.75	0.41
Long-Term Debt	38.67	37.98	37.73	37.59	36.77
Long-Term Leases	54.3	53.74	51.2	4.47	15.47
Long-Term Deferred Tax Liabilities	10.26	5.67	4.91	-	-
Other Long-Term Liabilities	-	-	-	-	2.03
Total Liabilities	4,721	4,462	4,091	3,402	3,158
Common Stock	0.17	0.17	0.17	0.15	0.15
Additional Paid-In Capital	11.61	11.61	11.61	-	-
Retained Earnings	265.74	254.58	240.61	212.04	201.03
Treasury Stock	-1.3	-1.3	-1.3	-1.3	-1.3
Comprehensive Income & Other	0.19	1.91	1.36	1.09	1
Total Common Equity	276.4	266.96	252.44	211.98	200.88
Shareholders' Equity	276.4	266.96	252.44	211.98	200.88
Total Liabilities & Equity	4,998	4,729	4,344	3,614	3,359
Total Debt	96.94	92.81	92.52	45.6	58.22
Net Cash (Debt)	2,493	2,089	1,760	1,249	1,133
Net Cash Growth	19.33%	18.68%	40.92%	10.25%	9.23%
Net Cash Per Share	152.74	127.99	110.84	83.14	75.41
Filing Date Shares Outstanding	16.32	16.32	16.32	15.18	15.18
Total Common Shares Outstanding	16.32	16.32	16.32	15.18	15.18
Book Value Per Share	16.94	16.36	15.47	13.97	13.24
Tangible Book Value	242.95	236.39	222.85	179.43	171.02
Tangible Book Value Per Share	14.89	14.48	13.66	11.82	11.27