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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Shawbrook Group
Shawbrook Group (SHAW) investor relations material
Shawbrook Group Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary12 Nov, 2026
Executive summary
Disciplined lending and funding growth continued, supported by a scalable platform and careful credit and cost management.
FY 2026 guidance was reiterated, with loan book growth and capital generation supporting a maiden ordinary dividend payable in FY 2027.
Financial highlights
Loan book including OTD reached £20.3bn at 30 September 2026, up 7.7% annualised from 31 December 2025; growth excluding the BMFL disposal was 10%.
Customer deposits rose to £19.6bn from £18.4bn at 31 December 2025, an 8.7% annualised increase.
OTD balances were £2.4bn, resulting in a loan book of £17.9bn, compared with £17.8bn at 31 December 2025.
Outlook and guidance
FY 2026 guidance: loan book including OTD of ~£21bn, cost-to-income ratio below 38%, CET1 above 13.2% pre-Basel 3.1, and underlying RoTE of ~17%.
FY 2026 CET1 guidance includes a deduction for the dividend expected to be paid in 2027; guidance is stated pre-Basel 3.1.
Medium-term guidance: low-double-digit loan book CAGR from FY 2024, mid-30s cost-to-income ratio, mid-to-high-teens underlying PBT growth, high-teens underlying RoTE, and CET1 of 12–13%.
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Latest events from Shawbrook Group
- Profit before tax up 16% to GBP 195.5m, with robust growth, efficiency, and strong capital ratios.SHAW
H1 2026 - Loan book and deposits grew in Q1 2026, with strong capital and asset quality metrics.SHAWQ1 2026 TU
- 16% profit growth, 20% loan book expansion, and strong capital metrics with dividend commitment.SHAWH2 2025
- 15% loan book growth, £124.5m profit before tax, NIM 4.2%, strong capital and liquidity.SHAWH1 2024
- Loan and deposit books surpassed £15bn, with robust growth and strategic expansion.SHAWQ3 2024 TU
- Loan and deposit books grew 16%, with strong profitability and digital expansion.SHAWH2 2024
- Loan and deposit growth accelerated, with stable credit quality and strong capital ratios.SHAWQ3 2025 TU
- Loan and deposit growth, improved credit quality, and strong capital ratios highlight Q1 2025.SHAWQ1 2025 TU
- Profit before tax up 35%, loan book growth 14%, and cost efficiency improved.SHAWH1 2025
Next Shawbrook Group earnings date
H2 202612 Mar, 2027
Shawbrook Group
Next Shawbrook Group earnings date
H2 202612 Mar, 2027
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