Share price
Annual Report and Financial Statements for the year ended 31 December 2021
Results, reports & presentations
04 May 2022
Q1 2022 Trading update
31 Mar 2022
Annual Report and Financial Statements for the year ended 31 December 2021
Financial calendar
Event
2022 half year results
Date
11 August 2022
Event
Q3 Trading update
Date
3 November 2022
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.