Shawbrook Group Balance Sheet

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
Cash & Equivalents	1,605	2,308	2,186	2,056	1,713	1,291
Investment Securities	2,247	1,514	742.8	611.7	1.7	196
Trading Asset Securities	125.4	227.1	252.7	330.7	21.5	4.1
Total Investments	2,372	1,741	995.5	942.4	23.2	200.1
Gross Loans	15,975	15,408	13,433	10,592	8,377	7,187
Allowance for Loan Losses	-169.1	-159.4	-130.2	-111.8	-76	-92.3
Other Adjustments to Gross Loans	-	-71.9	-23.2	-22.6	-28.6	-33.2
Net Loans	15,806	15,177	13,279	10,457	8,272	7,061
Property, Plant & Equipment	60.7	65.5	40.5	48.3	48.3	53.6
Goodwill	84.9	84.9	77.1	53.7	53.7	43.7
Other Intangible Assets	41.7	39.1	30.1	22.7	21.5	21.4
Other Receivables	15.6	33.4	14.8	4.8	7.6	6
Restricted Cash	204	241	482.6	244.6	47.6	72.9
Other Current Assets	-	17.4	15.1	10.3	307.9	9.9
Long-Term Deferred Tax Assets	18.3	16	35.7	19.4	14.2	12.3
Other Long-Term Assets	65.9	-	79.3	79.3	520.3	165
Total Assets	20,275	19,723	17,236	13,939	11,030	8,938
Accrued Expenses	-	63.7	52.6	47.8	36	25.8
Interest Bearing Deposits	16,683	17,020	14,779	12,123	9,559	7,651
Total Deposits	16,683	17,020	14,779	12,123	9,559	7,651
Short-Term Borrowings	108.9	117.1	184.5	90.5	8.1	57.1
Current Portion of Long-Term Debt	44.8	17.9	41.3	26.2	36.1	10.8
Current Portion of Leases	-	1.1	2.4	1.9	2.2	1.9
Current Income Taxes Payable	-	-	1.4	3.2	-	-
Other Current Liabilities	-	157.9	189	290	0.3	-
Long-Term Debt	1,592	704.4	610.2	187.2	380	334.1
Long-Term Leases	25.4	24.5	3.7	5.5	7.6	9.2
Other Long-Term Liabilities	136.5	33.6	33.9	23.6	40.1	32.9
Total Liabilities	18,591	18,140	15,898	12,799	10,069	8,123
Common Stock	2.5	2.5	2.5	2.5	2.5	2.5
Additional Paid-In Capital	107.2	107.2	107.2	92.9	92.9	87.3
Retained Earnings	1,421	1,307	1,102	905.8	740.8	600.7
Comprehensive Income & Other	154	165.4	127.3	138.6	124	124
Shareholders' Equity	1,684	1,582	1,339	1,140	960.2	814.5
Total Liabilities & Equity	20,275	19,723	17,236	13,939	11,030	8,938
Total Debt	1,771	865	842.1	311.3	434	413.1
Net Cash (Debt)	-40.4	1,670	1,597	2,076	1,301	882.3
Net Cash Growth	-	4.60%	-23.06%	59.58%	47.41%	40.36%
Net Cash Per Share	-	6.60	6.31	8.20	5.14	3.49
Filing Date Shares Outstanding	-	253.09	253.09	253.09	253.09	253.09
Total Common Shares Outstanding	-	253.09	253.09	253.09	253.09	253.09
Book Value Per Share	-	6.25	5.29	4.50	3.79	3.22
Tangible Book Value	1,558	1,458	1,232	1,063	885	749.4
Tangible Book Value Per Share	-	5.76	4.87	4.20	3.50	2.96

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