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Net lending up 6.6% year-on-year; new products and share buyback support growth ambitions.

Strong 2025 results with 14.3% ROAE, robust lending growth, and a £10m share buyback announced.

Core lending up 10.3% YoY, but FY25 profit to miss expectations due to Vehicle Finance.

Profit up 36.3% YoY, cost ratio down, Vehicle Finance exited, core lending growth strong.

Net lending rose 10.5% YoY to £3.7bn, nearing the £4bn target.

Strong lending and cost discipline drive growth; on track for £4bn loan book and mid-teens ROAE.

Commercial Finance delivers robust growth and low risk, targeting £4bn net lending with strong returns.

FY24 profit before tax to fall £10m–£15m below expectations due to Vehicle Finance.

Strong lending and deposit growth, improved efficiency, and raised cost savings targets despite higher impairments.

Real estate finance drives growth with low-risk, relationship-led lending and scalable efficiency.