Shawbrook 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	1,229	1,199	946	588.1	427.8	399.9
Interest Income on Investments	167.2	187.7	197.8	36.2	15.9	-8.7
Total Interest Income	1,397	1,387	1,144	624.3	443.7	391.2
Interest Paid on Deposits	784.1	796.1	567.3	164.6	89.1	115.6
Net Interest Income	612.5	590.9	576.5	459.7	354.6	275.6
Net Interest Income Growth (YoY)	5.04%	2.50%	25.41%	29.64%	28.67%	-5.78%
Gain (Loss) on Sale of Assets	37.4	14.1	-	-	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-	-2.7
Other Non-Interest Income	11.7	12.2	18.2	17.5	18.4	6.7
Total Non-Interest Income	49.1	26.3	18.2	25.2	40.1	13.4
Non-Interest Income Growth (YoY)	319.66%	44.51%	-27.78%	-37.16%	199.25%	362.07%
Revenues Before Loan Losses	661.6	617.2	594.7	484.9	394.7	289
Provision for Loan Losses	56	67.2	60.1	47.7	31.4	54.9
Revenue	605.6	550	534.6	437.2	363.3	234.1
Revenue Growth (YoY)	15.51%	2.88%	22.28%	20.34%	55.19%	-11.83%
Salaries and Employee Benefits	0.8	0.8	0.8	0.1	0.6	0.5
Occupancy Expenses	6.8	7.4	8.2	8.7	8.6	9.1
Selling, General & Administrative	266.6	252	225.8	194.6	163.9	129.9
Other Non-Interest Expense	0.3	-5.3	13.1	0.8	7.1	22.3
Total Non-Interest Expense	274.5	254.9	247.9	204.2	180.2	161.7
EBT Excluding Unusual Items	331.1	295.1	286.7	233	183.1	72.4
Pretax Income	331.1	295.1	286.7	233	197.2	73.5
Income Tax Expense	85.7	75.2	74.6	58.3	47.9	15.4
Net Income	245.4	219.9	212.1	174.7	149.3	58.1
Net Income to Common	245.4	219.9	212.1	174.7	149.3	58.1
Net Income Growth	19.24%	3.68%	21.41%	17.01%	156.97%	-37.93%
Basic Shares Outstanding	-	253	253	253	253	253
Diluted Shares Outstanding	-	253	253	253	253	253
EPS (Basic)	-	0.87	0.84	0.69	0.59	0.23
EPS (Diluted)	-	0.87	0.84	0.69	0.59	0.23
EPS Growth	-	3.68%	21.41%	17.01%	156.97%	-37.93%
Effective Tax Rate	25.88%	25.48%	26.02%	25.02%	24.29%	20.95%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.