Shawbrook 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	1,976	2,308	2,186	2,056	1,713
Investment Securities	2,158	1,514	742.8	611.7	1.7
Trading Asset Securities	87.5	227.1	252.7	330.7	21.5
Total Investments	2,246	1,741	995.5	942.4	23.2
Gross Loans	18,056	15,408	13,433	10,592	8,377
Allowance for Loan Losses	-189.4	-159.4	-130.2	-111.8	-76
Other Adjustments to Gross Loans	-96.6	-71.9	-23.2	-22.6	-28.6
Net Loans	17,770	15,177	13,279	10,457	8,272
Property, Plant & Equipment	54.6	65.5	40.5	48.3	48.3
Goodwill	95.6	84.9	77.1	53.7	53.7
Other Intangible Assets	50.2	39.1	30.1	22.7	21.5
Accrued Interest Receivable	0.5	0.9	1.4	1.3	-
Other Receivables	29.4	32.5	13.4	3.5	7.6
Restricted Cash	195.2	241	482.6	244.6	47.6
Other Current Assets	27.9	17.4	15.1	10.3	307.9
Long-Term Deferred Tax Assets	23.8	16	35.7	19.4	14.2
Other Long-Term Assets	-	-	79.3	79.3	520.3
Total Assets	22,469	19,723	17,236	13,939	11,030
Accrued Expenses	81.9	63.7	52.6	47.8	36
Interest Bearing Deposits	18,354	16,604	14,763	12,123	9,559
Total Deposits	18,354	16,604	14,763	12,123	9,559
Short-Term Borrowings	93.2	117.1	184.5	90.5	8.1
Current Portion of Long-Term Debt	1,380	438.6	38.8	26.2	36.1
Current Portion of Leases	1	1.1	2.4	1.9	2.2
Current Income Taxes Payable	-	-	1.4	3.2	-
Other Current Liabilities	61	157.9	189	290	0.3
Long-Term Debt	573.8	699.9	628.5	187.2	380
Long-Term Leases	23.8	24.5	3.7	5.5	7.6
Other Long-Term Liabilities	58.6	33.6	33.9	23.6	40.1
Total Liabilities	20,626	18,140	15,898	12,799	10,069
Common Stock	2.6	2.5	2.5	2.5	2.5
Additional Paid-In Capital	154.6	107.2	107.2	92.9	92.9
Retained Earnings	1,514	1,307	1,102	905.8	740.8
Comprehensive Income & Other	171.6	165.4	127.3	138.6	124
Shareholders' Equity	1,843	1,582	1,339	1,140	960.2
Total Liabilities & Equity	22,469	19,723	17,236	13,939	11,030
Total Debt	2,071	1,281	857.9	311.3	434
Net Cash (Debt)	-7.8	1,254	1,581	2,076	1,301
Net Cash Growth	-	-20.68%	-23.83%	59.58%	47.41%
Net Cash Per Share	-0.02	2.45	6.25	8.20	5.14
Filing Date Shares Outstanding	519.69	253.09	253.09	253.09	253.09
Total Common Shares Outstanding	519.69	253.09	253.09	253.09	253.09
Book Value Per Share	3.55	6.25	5.29	4.50	3.79
Tangible Book Value	1,697	1,458	1,232	1,063	885
Tangible Book Value Per Share	3.26	5.76	4.87	4.20	3.50

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