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Investor Relations14 Oct 2025
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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.Q3 2025 TU earnings summary29 Jul, 2025
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.
Assess Spring App's impact on future deposit growth.
Explain the lower end mortgage volume guidance.
Discuss the structured lending pipeline strength.
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Next Paragon Banking Group earnings date
H2 20253 Dec, 2025
Next Paragon Banking Group earnings date
H2 20253 Dec, 2025
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Frequently asked questions
Paragon Banking Group plc, formerly Paragon Banking Group PLC, is an independent bank in the United Kingdom. It operates through three segments: Mortgage Lending, Commercial Lending, and Idem Capital. The Mortgage Lending segment offers real estate lending services to consumers and businesses. The Commercial Lending segment provides financing to small businesses for working capital and fixed assets. The Idem Capital segment provides investment management services to individuals, institutions, endowments and foundations. Paragon Banking Group PLC was founded in 1985 and is headquartered in Solihull, the United Kingdom.
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