Share price
Annual Report and Financial Statements for the year ended 31 December 2021
Results, reports & presentations
03 Nov 2022
Q3 2022 Trading update
11 Aug 2022
Interim results for six months ended 30 June 2022
Financial calendar
Event
2022 year end results
Date
16 March 2023
Event
Q1 trading update
Date
3 May 2023
Event
AGM
Date
11 May 2023
Event
2023 half year results
Date
10 August 2023
Event
Q3 trading update
Date
2 November 2023
Key financial indicators
The Group measures its performance using the Key performance indicators (KPIs) below which are presented on a statutory and an underlying basis.
Management believe that the underlying KPIs provide a more consistent basis for comparing the Group’s performance between financial periods. Underlying KPIs exclude exceptional items, integration costs and other acquisition-related items.
- Statutory 2021
- Statutory 2020
- Underlying 2021
- Underlying 2020
Gross new lending
Net loan book
Net interest margin
Cost to income ratio
Profit before tax
Loan loss ratio
Fully loaded Common Equity Tier 1 ratio
Return on equity
Full year dividend
Basic EPS
Savings customer satisfaction – Net Promoter Score (NPS)
Women in senior management
1 Employees undertaking roles at Grades A to E.
2 Operational footprint is defined as Scope 1, Scope 2 and Scope 3 (paper, water, waste, business travel, electricity transmission and distribution) emissions and excludes upstream and downstream emissions from the Group’s value chain.