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Vanquis Banking Group (VANQ) investor relations material
Vanquis Banking Group Status Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Status Update summary17 Oct, 2025
Capital optimization and transaction overview
Issued GBP 60 million of Additional Tier 1 (AT1) capital securities at a 10.875% coupon with a 5.5-year call window, providing significant headroom above regulatory requirements and enhancing Tier 1 capital efficiency.
Tendered GBP 58.5 million of Tier 2 capital, reducing surplus non-eligible capital and optimizing the capital stack.
Net annualized cost increase of GBP 1.4 million, but GBP 60 million more capital is now available for lending.
Total capital ratio remains at 29.2%, with Tier 1 ratio increasing to 21.7% and CET1 at 18.5%.
CET1 capital released will support general corporate purposes, including growth in customer interest-earning balances.
Transaction details and timeline
AT1 Notes settlement expected on 1 October 2025, listed on the International Securities Market of the London Stock Exchange.
Coupon payments for AT1 Notes will be semi-annual, starting 1 November 2025; first reset date is 1 May 2031, callable in the six months prior.
Tender offer settlement for Tier 2 Notes expected on 2 October 2025; £141.5m will remain outstanding after cancellation.
Growth strategy and product performance
Gross customer interest-earning balances reached nearly GBP 2.5 billion at June 2025, with guidance to exceed GBP 2.6 billion by year-end and GBP 3 billion by December 2026.
Strong growth in second-charge mortgages (over GBP 150 million in H1 2025) and 6% growth in credit cards in Q2 2025.
Snoop acquisition has added over 45,000 users and GBP 200 million in deposits, with further integration planned.
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Next Vanquis Banking Group earnings date
Q3 2025 TU5 Nov, 2025
Next Vanquis Banking Group earnings date
Q3 2025 TU5 Nov, 2025
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Frequently asked questions
Vanquis Bank is a UK provider of credit cards, loans, mortgages and insurance. Provident Financial provides personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company operates through Vanquis Bank and Moneybarn segments. Provident Financial plc was founded in 1880 and is headquartered in Bradford, the United Kingdom.
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