Full year results 2025

This is the archive webcast of the presentation at 09.30 on Wednesday, 3 December 2025

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Financial Results 25Financial Results 25
AgendaAgenda
Strong financial performanceStrong financial performance
Disciplined approach to strategic prioritisationDisciplined approach to strategic prioritisation
Disciplined loan book growthDisciplined loan book growth
Digital transformation whilst maintaining tight cost controlDigital transformation whilst maintaining tight cost control
DiversificationDiversification
With a disciplined approach to capital managementWith a disciplined approach to capital management
Delivering sustainable strong returnsDelivering sustainable strong returns
Financial overviewFinancial overview
Income statementIncome statement
Net interest marginNet interest margin
Deposit spreadsDeposit spreads
Operating expensesOperating expenses
Economic outlookEconomic outlook
ImpairmentsImpairments
Motor commissionsMotor commissions
Capital movements during the periodCapital movements during the period
Group capitalGroup capital
Capital managementCapital management
Business performance and outlookBusiness performance and outlook
The trading environmentThe trading environment
Spring - only six months in and great progress achievedSpring - only six months in and great progress achieved
Mortgages - strong loan book growthMortgages - strong loan book growth
Commercial Lending - Development FinanceCommercial Lending - Development Finance
Commercial Lending - SME LendingCommercial Lending - SME Lending
Commercial Lending - Motor Finance and Structured LendingCommercial Lending - Motor Finance and Structured Lending
Well placed to capture further growth and diversification benefitsWell placed to capture further growth and diversification benefits
Q&AQ&A
Q&AQ&A
Q&AQ&A
Q&AQ&A
Q&AQ&A
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Financial Results 25
Financial Results 25
Agenda
Agenda
Strong financial performance
Strong financial performance
Disciplined approach to strategic prioritisation
Disciplined approach to strategic prioritisation
Disciplined loan book growth
Disciplined loan book growth
Digital transformation whilst maintaining tight cost control
Digital transformation whilst maintaining tight cost control
Diversification
Diversification
With a disciplined approach to capital management
With a disciplined approach to capital management
Delivering sustainable strong returns
Delivering sustainable strong returns
Financial overview
Financial overview
Income statement
Income statement
Net interest margin
Net interest margin
Deposit spreads
Deposit spreads
Operating expenses
Operating expenses
Economic outlook
Economic outlook
Impairments
Impairments
Motor commissions
Motor commissions
Capital movements during the period
Capital movements during the period
Group capital
Group capital
Capital management
Capital management
Business performance and outlook
Business performance and outlook
The trading environment
The trading environment
Spring - only six months in and great progress achieved
Spring - only six months in and great progress achieved
Mortgages - strong loan book growth
Mortgages - strong loan book growth
Commercial Lending - Development Finance
Commercial Lending - Development Finance
Commercial Lending - SME Lending
Commercial Lending - SME Lending
Commercial Lending - Motor Finance and Structured Lending
Commercial Lending - Motor Finance and Structured Lending
Well placed to capture further growth and diversification benefits
Well placed to capture further growth and diversification benefits
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A

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