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Close Brothers Group (CBG) investor relations material
Close Brothers Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary30 Sep, 2025
Executive summary
Strengthened capital position with CET1 ratio at 13.8% (14.3% pro forma post-sale), over £400m CET1 generated or preserved since March 2024.
Simplified portfolio via sale of Asset Management, Winterflood, and Brewery Rentals; exited loss-making vehicle hire business.
Addressed legacy issues, including Novitas settlements and motor finance commission provisions; Novitas loan book reduced to nil.
Focused on specialist banking, targeting SME lending in the UK and Ireland.
Clear strategic priorities: simplify, optimize, and grow, aiming for double-digit ROTE by FY 2028.
Financial highlights
Adjusted operating profit of £144m, down 14% year-over-year; statutory operating loss before tax of £122m due to £267m adjusting items.
Banking division delivered £198m adjusted operating profit; group central functions loss increased to £54m.
Loan book reduced 4% to £9.5bn, mainly from moderation measures and temporary pause in UK motor lending.
Net interest margin strong at 7.2%, though down 20bps; bad debt ratio stable at 1%.
No final dividend for FY 2025; dividend reinstatement to be reviewed after motor finance clarity.
Outlook and guidance
At least £20m of additional annualized cost savings per year for the next three years, totaling £60m.
Group adjusted expenses expected at £410m-£430m by FY 2028; £440m-£460m for FY 2026.
Net interest margin expected to be slightly below 7% going forward.
Bad debt ratio expected to remain below long-term average of 1.2% in FY 2026.
Loan book growth targeted at 5%-10% through the cycle, though near-term growth may be lower due to SME sentiment and premium finance runoff.
How does Supreme Court ruling affect provision?
Management incentive for double-digit RoTE?
Loan book growth outlook for FY26?
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Next Close Brothers Group earnings date
Q1 2026 TU20 Nov, 2025
Next Close Brothers Group earnings date
Q1 2026 TU20 Nov, 2025
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Frequently asked questions
Close Brothers Group plc is a UK-based merchant banking company that provides a variety of financial services. The company operates through five key segments: Commercial, Retail, Property, Asset Management, and Securities. It offers lending solutions such as asset-based finance, motor finance, and premium finance, alongside wealth management services including retirement planning and investment management. In addition, Close Brothers engages in securities trading through its Winterflood subsidiary, providing execution services to institutional and retail investors. The company is headquartered in London and is listed on the London Stock Exchange.
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