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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Net Interest Income	118.98	118.13	125.87	136.62	99.08	64.08
Net Interest Income Growth	0.72%	-6.15%	-7.87%	37.89%	54.63%	10.36%
Non-Interest Income	58.38	55.77	55.3	44.8	35.34	37.18
Non-Interest Income Growth	4.68%	0.84%	23.44%	26.76%	-4.94%	145.91%
Revenues Before Loan Losses	177.35	173.89	181.17	181.42	134.43	101.26
Provision for Credit Losses	2.9	2.5	6.28	3.19	5.5	3.2
Revenue	174.46	171.39	174.9	178.23	128.92	98.06
Revenue Growth	1.79%	-2.00%	-1.87%	38.25%	31.47%	39.43%
Other Non-Interest Expenses	150.09	147.21	139.81	131.11	108.91	93.42
Total Non-Interest Expense	150.09	147.21	139.81	131.11	108.91	93.42
Pretax Income	24.37	24.18	35.09	47.12	20.01	4.64
Provision for Income Taxes	5.36	6.37	10.24	11.74	3.55	-2.15
Net Income	19.01	17.81	24.85	35.38	16.46	6.79
Net Income to Common	19.01	17.81	24.85	35.38	16.46	6.79
Net Income Growth	6.73%	-28.34%	-29.75%	114.97%	142.53%	-
Shares Outstanding (Basic)	16	16	16	16	15	15
Shares Outstanding (Diluted)	16	16	16	16	15	15
Shares Change	-	-	2.77%	5.70%	-	-0.01%
EPS (Basic)	1.17	1.09	1.52	2.23	1.10	0.45
EPS (Diluted)	1.17	1.09	1.52	2.23	1.10	0.45
EPS Growth	6.78%	-28.37%	-31.64%	103.29%	142.48%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Free Cash Flow	276.18	624.43	345.96	611.31	112.72	212.82
Free Cash Flow Growth	-55.77%	80.50%	-43.41%	442.33%	-47.04%	-26.39%
Free Cash Flow Per Share	16.92	38.26	21.20	38.50	7.50	14.17
Dividends Per Share	0.550	0.530	0.490	0.460	0.420	0.380
Dividend Growth	3.77%	8.16%	6.52%	9.52%	10.53%	-
Profit Margin	10.90%	10.39%	14.21%	19.85%	12.77%	6.92%
FCF Margin	158.31%	364.33%	197.81%	342.99%	87.43%	217.03%
Effective Tax Rate	22.00%	26.36%	29.17%	24.91%	17.75%	-46.31%