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Nationwide Building Society (NBS) investor relations material
Nationwide Building Society H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary29 May, 2025
Executive summary
Achieved record organic growth, member value, and net mortgage lending of £15.5bn for FY 24/25.
Completed acquisition of Virgin Money, diversifying the business and expanding into SME banking.
Delivered record statutory profit of £2.3bn, up 30% year-over-year, with strong capital and cost discipline.
Maintained No. 1 customer satisfaction for 13th consecutive year and received Which? Banking Brand of the Year 2025.
Virgin Money integration progressing well, with improved service metrics and positive net mortgage lending.
Financial highlights
Statutory profit reached £2.3bn, up from £1.8bn in FY 23/24; underlying profit was £2.0bn.
Net interest income rose to £5.0bn, with net interest margin stable at 1.55% year-over-year and up 10bps sequentially.
Record member value of £2.8bn, including £1bn in member reward payments and further fair share payment planned.
Retail deposit growth of £14.0bn and business/commercial deposit growth of 402% year-over-year.
Group CET1 ratio at 19.1%, remaining peer-leading despite reduction post-acquisition; leverage ratio at 5.2%.
Outlook and guidance
Heightened competition and margin compression expected in mortgage and deposit markets.
Deposit margins anticipated to compress further as base rates fall, with structural hedge repricing as a tailwind.
Integration of Virgin Money to continue, with cautious expansion in business banking and further investment in digital and branch services.
Capital ratios expected to remain stable or grow, with strong buffers above regulatory requirements.
Weighted average of all scenarios indicates a 6% fall in house prices from Dec 2024 to early 2027.
How will Nationwide maintain cost discipline?
What is driving the increase in market share?
Assess Virgin Money acquisition impacts.
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Next Nationwide Building Society earnings date
H1 202626 Nov, 2025
Next Nationwide Building Society earnings date
H1 202626 Nov, 2025
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Frequently asked questions
Nationwide Building Society, together with its subsidiaries, provides retail financial services in the United Kingdom. The company offers savings products and mortgages, including residential, buy to let and commercial mortgages; home insurance; savings-related products; current accounts; personal loans; credit cards; and travel money. The company was founded in 1846 and is headquartered in Swindon, the United Kingdom.
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