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
Net Interest Income	646.9	590.9	576.5	459.7	354.6
Net Interest Income Growth	9.48%	2.50%	25.41%	29.64%	28.67%
Non-Interest Income	35.2	18.9	10	16.5	31.5
Non-Interest Income Growth	86.24%	89.00%	-39.39%	-47.62%	350.00%
Revenues Before Loan Losses	682.1	609.8	586.5	476.2	386.1
Provision for Credit Losses	83	67.2	60.1	47.7	31.4
Revenue	599.1	542.6	526.4	428.5	354.7
Revenue Growth (YoY)	10.41%	3.08%	22.85%	20.81%	55.77%
Total Non-Interest Expense	326.9	247.5	239.7	195.5	157.5
Pretax Income	272.2	295.1	286.7	233	197.2
Provision for Income Taxes	76.7	75.2	74.6	58.3	47.9
Net Income	195.5	219.9	212.1	174.7	149.3
Net Income to Common	195.5	219.9	212.1	174.7	149.3
Net Income Growth	-11.10%	3.68%	21.41%	17.01%	156.97%
Shares Outstanding (Basic)	509	506	506	506	-
Shares Outstanding (Diluted)	509	506	506	506	-
Shares Change (YoY)	0.45%	-	-	1.04%	-
EPS (Basic)	0.35	0.40	0.42	0.35	-
EPS (Diluted)	0.35	0.40	0.42	0.35	-
EPS Growth	-12.50%	-4.76%	20.00%	201.81%	-
Free Cash Flow	1,067	927.9	515	631	78.9
Free Cash Flow Growth	15.02%	80.17%	-18.38%	699.75%	-84.69%
Free Cash Flow Per Share	2.10	1.83	1.02	1.25	-
Profit Margin	32.63%	40.53%	40.29%	40.77%	42.09%
FCF Margin	178.15%	171.01%	97.83%	147.26%	22.24%
Effective Tax Rate	28.18%	25.48%	26.02%	25.02%	24.29%