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Paragon Banking Group (PAG) investor relations material
Paragon Banking Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Loan balances increased 4.8% year-over-year, with strong deposit growth driven by the new Spring App launch.
Mortgage advances for the nine months reached £1.1 billion, slightly above the previous year.
Commercial lending volumes up 6.6% year-over-year, though overall advances fell 1.5% due to net repayments.
Customer retention remained robust, with buy-to-let redemption rates stable at 7.0%.
Financial highlights
Net loan book rose 1.1% sequentially and 4.8% year-over-year to £16.2 billion.
Retail savings balances increased 1.5% during the quarter to £16.0 billion.
CET1 capital ratio at quarter end was 13.6%, with TCR at 15.4%, both slightly down from H1 2025.
Outlook and guidance
Full-year mortgage lending advances expected around £1.6 billion, at the lower end of previous guidance.
Commercial lending advances guidance unchanged at £1.2–£1.4 billion.
Net interest margin (NIM) expected to remain over 300 basis points.
Operating expenses to stay below £185 million; ROTE guidance unchanged at 15–20%.
Share buy-backs up to £100 million for FY 2025.
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