Full Year Results 2023

This is the archive webcast of the presentation at 09:30 on Wednesday, 6 December 2023

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Financial results twelve months ended 30 September 2023Financial results twelve months ended 30 September 2023
AgendaAgenda
Strong performance enhancing our specialist franchiseStrong performance enhancing our specialist franchise
Strong operational and financial performanceStrong operational and financial performance
Financial overview - Richard T Woodman - Chief Financial OfficerFinancial overview - Richard T Woodman - Chief Financial Officer
Income statementIncome statement
Segmental resultsSegmental results
Net interest marginNet interest margin
Net interest margin (2)Net interest margin (2)
Operating expensesOperating expenses
Economic outlookEconomic outlook
ImpairmentsImpairments
Capital movements during the periodCapital movements during the period
Group capitalGroup capital
Capital managementCapital management
Business performance review and strategic priorities - Nigel S Terrington - Chief Executive OfficerBusiness performance review and strategic priorities - Nigel S Terrington - Chief Executive Officer
Strategic pillarsStrategic pillars
Strategic priorities deliveryStrategic priorities delivery
Operating model equilibrium – driving sustainable longer-term returnsOperating model equilibrium – driving sustainable longer-term returns
Mortgages – Continued focus on professional landlords driving loan book growthMortgages – Continued focus on professional landlords driving loan book growth
Mortgages – Proven resilience of business model through-the-cycleMortgages – Proven resilience of business model through-the-cycle
Commercial Lending provides increased diversification and structural NIM expansionCommercial Lending provides increased diversification and structural NIM expansion
Commercial Lending – Development FinanceCommercial Lending – Development Finance
Strong deposit growth with improved cost of fundingStrong deposit growth with improved cost of funding
Commercial Lending – Motor Finance and Structured LendingCommercial Lending – Motor Finance and Structured Lending
Strong deposit growth with improved cost of fundingStrong deposit growth with improved cost of funding
ConclusionsConclusions
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Financial results twelve months ended 30 September 2023
Financial results twelve months ended 30 September 2023
Agenda
Agenda
Strong performance enhancing our specialist franchise
Strong performance enhancing our specialist franchise
Strong operational and financial performance
Strong operational and financial performance
Financial overview - Richard T Woodman - Chief Financial Officer
Financial overview - Richard T Woodman - Chief Financial Officer
Income statement
Income statement
Segmental results
Segmental results
Net interest margin
Net interest margin
Net interest margin (2)
Net interest margin (2)
Operating expenses
Operating expenses
Economic outlook
Economic outlook
Impairments
Impairments
Capital movements during the period
Capital movements during the period
Group capital
Group capital
Capital management
Capital management
Business performance review and strategic priorities - Nigel S Terrington - Chief Executive Officer
Business performance review and strategic priorities - Nigel S Terrington - Chief Executive Officer
Strategic pillars
Strategic pillars
Strategic priorities delivery
Strategic priorities delivery
Operating model equilibrium – driving sustainable longer-term returns
Operating model equilibrium – driving sustainable longer-term returns
Mortgages – Continued focus on professional landlords driving loan book growth
Mortgages – Continued focus on professional landlords driving loan book growth
Mortgages – Proven resilience of business model through-the-cycle
Mortgages – Proven resilience of business model through-the-cycle
Commercial Lending provides increased diversification and structural NIM expansion
Commercial Lending provides increased diversification and structural NIM expansion
Commercial Lending – Development Finance
Commercial Lending – Development Finance
Strong deposit growth with improved cost of funding
Strong deposit growth with improved cost of funding
Commercial Lending – Motor Finance and Structured Lending
Commercial Lending – Motor Finance and Structured Lending
Strong deposit growth with improved cost of funding
Strong deposit growth with improved cost of funding
Conclusions
Conclusions
Q&A
Q&A
Q&A
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