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Shawbrook Group (SHAW) investor relations material
Shawbrook Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary6 Aug, 2025
Executive summary
Achieved annualised loan book growth of 14% to £17.0bn, with strong performance across all core segments and robust digital platform supporting scale and efficiency.
Underlying profit before tax rose 35% to £168.6m in H1 2025, reflecting improved margins and operating leverage.
Net interest margin increased to 4.4% (H1 2024: 4.2%), and cost of risk reduced to 42bps, demonstrating effective risk management.
Integration of recent acquisitions and digital platform rollouts enhanced operational efficiency and customer experience.
CET1 ratio improved to 13.1%, and total capital ratio remained strong at 15.8%, well above regulatory requirements.
Financial highlights
Net operating income grew by 15.5% year-over-year to £335.5m, driven by specialist lending and margin improvement.
Statutory profit before tax reached £163.1m, up 28% from H1 2024.
Underlying administrative expenses increased by 10% to £134.3m, but remained stable when excluding JBR acquisition and one-off staff costs.
Customer deposits grew 5.6% to £16.7bn; CET1 ratio stable at 13.1%.
Cost to income ratio improved to 40.0% (from 42.1%); cost of risk reduced to 42bps (from 64bps).
Outlook and guidance
Forward-looking macroeconomic scenarios remain cautious, with a 50% base case probability and downside risks weighted at 40%.
Well positioned to accelerate strategy delivery with a resilient balance sheet and strong capital foundations.
Continued focus on digital platform investment and product diversification to support growth and resilience.
Confident in sustaining momentum into H2 2025 and beyond, focusing on selective growth and operational efficiency.
Quantify digital platform impact on processing
Explain LCR reduction and collateral pre-placement
Group's view on motor finance commission liability?
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Next Shawbrook Group earnings date
Q3 2025 TU13 Nov, 2025
Next Shawbrook Group earnings date
Q3 2025 TU13 Nov, 2025
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