REG - Shawbrook Group PLC - Shawbrook Full Year 2025 Results

ShawbrookAnnouncement

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RNS Number : 3093W  Shawbrook Group PLC  12 March 2026

 Shawbrook Group plc

 Full year results for the 12 months to December 2025

 12 March 2026 - Shawbrook Group plc ('Shawbrook' or the 'Group') today
 announces its full year results for the year ended 31 December 2025.

 Marcelino Castrillo, Chief Executive Officer, commented:

 "2025 was another year of disciplined execution and strategic progress for
 Shawbrook. We continued to deliver both high-quality growth and attractive
 risk-adjusted returns, with underlying profit before tax up 16%, an underlying
 return on tangible equity of 17.2% and loan book growth of 16%(1).

 This performance demonstrates the strength and consistency of the specialist
 model we have built over the last 15 years. We also completed our IPO,
 returning Shawbrook to the public markets and the FTSE 250. During the year,
 we continued to allocate capital selectively into segments where risk-adjusted
 returns meet or exceed our hurdle rates, supported by targeted origination,
 disciplined underwriting and active portfolio management.

 We continued to benefit from the scalability of our platform, where sustained
 investment in our technology and data infrastructure has enabled us to embed
 AI across the organisation. AI-enabled tools are supporting core activities
 including valuation handling, broker engagement and customer support. The
 knowledge and expertise of our people remain central to our decision-making,
 but now data and AI can sharpen, accelerate and make those decisions more
 consistent at scale.

 We enter 2026 with strong momentum and a clear line of sight to delivering our
 medium-term guidance. With a scalable platform, prudent capital allocation and
 proven execution, we are well positioned to continue delivering high-quality
 growth and returns for shareholders, while supporting our customers and
 contributing to economic growth across the UK."

 Financial highlights:
 •                                             Underlying basic EPS increased by 16% to 47 pence (FY 2024: 40 pence).
 •                                             Underlying return on tangible equity was 17.2% (FY 2024: 17.5%).
 •                                             Underlying profit before tax increased 16% to £340.5 million (FY 2024:
                                               £293.8 million).
 •                                             Underlying cost to income ratio improved to 39.0% (FY 2024: 40.8%).
 •                                             Credit quality remained resilient, with underlying cost of risk of 47bps (FY
                                               2024: 47bps).
 •                                             Loan book grew by 16%(1) to £19.2 billion (31 December 2024: £15.9 billion),
                                               driven by strong demand for our premium offering across specialist Commercial
                                               and Retail markets.
 •                                             Deposits increased 16% to £18.4 billion (31 December 2024: £15.8 billion),
                                               strengthening the funding base and supported by continued investment in
                                               technology and data, and partnerships with leading digital platforms.
 •                                             Capital resources remained strong, with a CET1 ratio of 12.4% (31 December
                                               2024: 13.0%) and a total capital ratio of 14.8% (31 December 2024: 15.9%).

 The Board reiterates the Group's medium-term guidance set out below.

Medium-term guidance
 Metric                                                             Target
 Loan book growth (including originate to distribute (OTD) assets)  Low double digits per annum
 Cost to income ratio                                               Mid-30s% with opportunity for further cost optimisation thereafter
 Underlying profit before tax growth                                Mid-high teens growth per annum
 Underlying return on tangible equity                               High-teens
 Dividend policy and distributions                                  Maiden ordinary dividend in respect of FY26 results, payable in 2027;
                                   progressive build thereafter
 CET1 ratio %                                                       12.0% - 13.0%

 Footnotes
 1.  The growth rate of 16% represents the organic loan book including originate to
     distribute (OTD) assets growing to £19.2 billion, however excludes the £0.6
     billion loan book acquired through the ThinCats acquisition. Including this
     loan book represents a growth rate of 20%.

 Visit https://www.shawbrook.co.uk/investors/
 (https://www.shawbrook.co.uk/investors/)  to download the Group's 2025 Annual
 Report and Accounts and results presentation.

 Presentation

 The Group will be holding a results presentation at 9:30AM GMT on 12(th) March
 2026. The presentation will be webcast live at https://lseg.group/4lgxPv8
 (https://lseg.group/4lgxPv8)

 Presentation materials, including a replay of the event will be available at:
 https://www.shawbrook.co.uk/about-us/investors/results-centre/
 (https://www.shawbrook.co.uk/about-us/investors/results-centre/)

 For investor enquiries, please contact:
 Murray Long
 Head of Investor Relations
 murray.long@shawbrook.co.uk (mailto:murray.long@shawbrook.co.uk)

 For media enquiries, please contact:

 Zander Swinburne

 Teneo

 shawbrook@teneo.com (mailto:shawbrook@teneo.com)

 
 About Shawbrook

 Shawbrook is a UK bank providing specialist lending and savings products to
 consumers, SMEs and professional real estate investors. Our business model
 combines specialist lending expertise with a scalable, technology-enabled
 platform and disciplined credit underwriting. Shawbrook serves approximately
 600,000 customers through its portfolio of brands. Shawbrook Group plc is
 listed on the London Stock Exchange and is a constituent of the FTSE 250
 Index.

Footnotes

1.

The growth rate of 16% represents the organic loan book including originate to
distribute (OTD) assets growing to £19.2 billion, however excludes the £0.6
billion loan book acquired through the ThinCats acquisition. Including this
loan book represents a growth rate of 20%.

 

Visit https://www.shawbrook.co.uk/investors/
(https://www.shawbrook.co.uk/investors/)  to download the Group's 2025 Annual
Report and Accounts and results presentation.

 

Presentation

The Group will be holding a results presentation at 9:30AM GMT on 12(th) March
2026. The presentation will be webcast live at https://lseg.group/4lgxPv8
(https://lseg.group/4lgxPv8)

 

Presentation materials, including a replay of the event will be available at:
https://www.shawbrook.co.uk/about-us/investors/results-centre/
(https://www.shawbrook.co.uk/about-us/investors/results-centre/)

 

 

For investor enquiries, please contact:

Murray Long

Head of Investor Relations

murray.long@shawbrook.co.uk (mailto:murray.long@shawbrook.co.uk)

 

 

For media enquiries, please contact:

Zander Swinburne

Teneo

shawbrook@teneo.com (mailto:shawbrook@teneo.com)

 

About Shawbrook

Shawbrook is a UK bank providing specialist lending and savings products to
consumers, SMEs and professional real estate investors. Our business model
combines specialist lending expertise with a scalable, technology-enabled
platform and disciplined credit underwriting. Shawbrook serves approximately
600,000 customers through its portfolio of brands. Shawbrook Group plc is
listed on the London Stock Exchange and is a constituent of the FTSE 250
Index.

 

 

 

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