Half year results 2025

This is the archive webcast of the presentation at 09.30 on Wednesday, 4 June 2025

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Half year results 2025Half year results 2025
AgendaAgenda
Strong financial performanceStrong financial performance
The 10-year view – consistent strategic deliveryThe 10-year view – consistent strategic delivery
2025 strategic priorities delivery2025 strategic priorities delivery
Financial overviewFinancial overview
Income statementIncome statement
Net interest marginNet interest margin
Deposit spreadsDeposit spreads
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 prioritiesBusiness performance review and strategic priorities
The trading environmentThe trading environment
Investment in technology transformation is deliveringInvestment in technology transformation is delivering
Spring ... a key milestone in our multi-year digitalisation strategySpring ... a key milestone in our multi-year digitalisation strategy
FundingFunding
Mortgages - strong loan book growthMortgages - strong loan book growth
Mortgages - low LTVs with strong affordabilityMortgages - low LTVs with strong affordability
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
ConclusionConclusion
Question 1Question 1
Question 2Question 2
Question 3Question 3
Question 4Question 4
Question 5Question 5
Question 6Question 6
Question 7Question 7
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Half year results 2025
Half year results 2025
Agenda
Agenda
Strong financial performance
Strong financial performance
The 10-year view – consistent strategic delivery
The 10-year view – consistent strategic delivery
2025 strategic priorities delivery
2025 strategic priorities delivery
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
Capital movements during the period
Capital movements during the period
Group capital
Group capital
Capital management
Capital management
Business performance review and strategic priorities
Business performance review and strategic priorities
The trading environment
The trading environment
Investment in technology transformation is delivering
Investment in technology transformation is delivering
Spring ... a key milestone in our multi-year digitalisation strategy
Spring ... a key milestone in our multi-year digitalisation strategy
Funding
Funding
Mortgages - strong loan book growth
Mortgages - strong loan book growth
Mortgages - low LTVs with strong affordability
Mortgages - low LTVs with strong affordability
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
Conclusion
Conclusion
Question 1
Question 1
Question 2
Question 2
Question 3
Question 3
Question 4
Question 4
Question 5
Question 5
Question 6
Question 6
Question 7
Question 7

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 Download Results presentation
 Download Results statement