Shawbrook 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	1,285	1,199	946	588.1	427.8
Interest Income on Investments	137.3	187.7	197.8	36.2	15.9
Total Interest Income	1,422	1,387	1,144	624.3	443.7
Interest Paid on Deposits	775	796.1	567.3	164.6	89.1
Net Interest Income	646.9	590.9	576.5	459.7	354.6
Net Interest Income Growth (YoY)	9.48%	2.50%	25.41%	29.64%	28.67%
Gain (Loss) on Sale of Assets	34.8	14.1	-	-	-
Other Non-Interest Income	6.6	12.2	18.2	17.5	18.4
Total Non-Interest Income	41.4	26.3	18.2	25.2	40.1
Non-Interest Income Growth (YoY)	57.41%	44.51%	-27.78%	-37.16%	199.25%
Revenues Before Loan Losses	688.3	617.2	594.7	484.9	394.7
Provision for Loan Losses	83	67.2	60.1	47.7	31.4
Revenue	605.3	550	534.6	437.2	363.3
Revenue Growth (YoY)	10.05%	2.88%	22.28%	20.34%	55.19%
Salaries and Employee Benefits	26.1	0.7	0.8	0.1	0.6
Occupancy Expenses	6.2	7.4	8.2	8.7	8.6
Selling, General & Administrative	300	252.1	225.8	194.6	163.9
Other Non-Interest Expense	0.8	-5.3	13.1	0.8	7.1
Total Non-Interest Expense	333.1	254.9	247.9	204.2	180.2
EBT Excluding Unusual Items	272.2	295.1	286.7	233	183.1
Pretax Income	272.2	295.1	286.7	233	197.2
Income Tax Expense	76.7	75.2	74.6	58.3	47.9
Net Income	195.5	219.9	212.1	174.7	149.3
Preferred Dividends & Other Adjustments	15.1	15.1	-	-	-
Net Income to Common	180.4	204.8	212.1	174.7	149.3
Net Income Growth	-11.10%	3.68%	21.41%	17.01%	156.97%
Basic Shares Outstanding	509	506	253	253	253
Diluted Shares Outstanding	509	506	253	253	253
Shares Change (YoY)	0.45%	100.01%	-	-	-
EPS (Basic)	0.35	0.40	0.84	0.69	0.59
EPS (Diluted)	0.35	0.40	0.84	0.69	0.59
EPS Growth	-12.50%	-52.27%	21.41%	17.01%	156.97%
Effective Tax Rate	28.18%	25.48%	26.02%	25.02%	24.29%