Post by Shawbrook

𝗔𝗻 𝘂𝗽𝗱𝗮𝘁𝗲 𝗳𝗿𝗼𝗺 𝗼𝘂𝗿 𝗖𝗵𝗶𝗲𝗳 𝗘𝘅𝗲𝗰𝘂𝘁𝗶𝘃𝗲 𝗢𝗳𝗳𝗶𝗰𝗲𝗿, Marcelino Castrillo, 𝗳𝗼𝗹𝗹𝗼𝘄𝗶𝗻𝗴 𝘁𝗵𝗲 𝗽𝘂𝗯𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝗦𝗵𝗮𝘄𝗯𝗿𝗼𝗼𝗸’𝘀 𝟮𝟬𝟮𝟱 𝗔𝗻𝗻𝘂𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁 𝗮𝗻𝗱 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝘀. During 2025, we continued to deliver attractive returns, with underlying profit before tax of £340.5 million and an underlying return on tangible equity of 17.2%. We continued to deliver the embedded growth inherent in our business by focusing on what Shawbrook does best – providing specialist finance in markets where our knowledge, speed of decision-making and relationship-led approach differentiate us. Underpinned by disciplined origination and credit expertise, our organic loan book grew by 16%, reflecting strong customer demand and consistent execution. Continued focus on our digital capabilities, including significant advancements in the use of AI, remains central to our strategy, supporting decision-making and our risk management. Our cost of risk remained stable, reflecting consistent underwriting standards and forward-looking approach to risk management. And we continue to benefit from a well-diversified deposit base, access to multiple funding sources and a strong capital and liquidity position. The scale and diversity of our portfolio, underpinned by the expertise of our people and a performance-driven, entrepreneurial culture, continues to provide both resilience and opportunity. As a listed company, we are well positioned to continue delivering disciplined growth and sustainable risk-adjusted returns for shareholders, while supporting our customers and contributing to economic growth across the UK. 𝗢𝘂𝗿 𝟮𝟬𝟮𝟱 𝗔𝗻𝗻𝘂𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁 𝗮𝗻𝗱 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝗰𝗮𝗻 𝗯𝗲 𝘃𝗶𝗲𝘄𝗲𝗱 𝗶𝗻 𝗳𝘂𝗹𝗹 𝗼𝗻 𝗼𝘂𝗿 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗥𝗲𝗹𝗮𝘁𝗶𝗼𝗻𝘀 𝘄𝗲𝗯𝘀𝗶𝘁𝗲: https://lnkd.in/eKETbRJH