Arbuthnot Banking Group Plc · LSE:ARBB
Arbuthnot Banking — FY2025 Earnings Presentation
26 slides from Arbuthnot Banking's earnings presentation, Mar 26, 2026
Slide 1: Arbuthnot Banking Group PLC 2025 Year-end Results
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results ARBUTHNOT BANKING GROUP PLC 2025 Year-end Results 26 March 2026
Slide 2: Highlights
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Highlights Strategy & group overview Financial review Appendix 2
Slide 3: Key Messages
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Key Messages Financial Key Indicators • Reported profit before tax of £24.2m (FY24: £35.1m) • Gross yield on loan book of 7.4% (FY24: 8.2%) • Profitability lower as expected following Bank of England base rate cuts • Co
Slide 4: Financial Highlights and KPIs
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Financial Highlights and KPIs Key Performance Indicator FY25 FY24 % Change Net interest margin 4.7% 5.1% Commentary (8%) Total cost income ratio 87% 78% • Total ordinary dividends for the year of 53 12% pence per share,
Slide 5: Strategy & group overview
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Highlights Strategy & group overview Financial review Appendix 5
Slide 6: Group Strategic Overview
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Group Strategic Overview Business Model Deposits Lending Property Lending Deposits Asset Finance Invoice Finance Wealth Management Low-cost relationship driven deposit business Truck Leasing model to fund higher margin
Slide 7: Strategic "Future State" Vision
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Strategic “Future State” Vision Pre-tax Return on Capital Balances £bn Capital Deployed £m Gross Margin Employed Division Future Future Future Future 2023 2024 2025 2023 2024 2025 2023 2024 2025 2023 2024 2025 State 2 S
Slide 8: Banking Overview
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Banking Overview Overview of the business Banking Loan Book Growth and Gross Interest Yield Established in 1833, Arbuthnot Latham is a UK private and £2,000m Loan Book Gross Interest Yield 8.0% commercial bank, headquar
Slide 9: Wealth Management Overview
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Wealth Management Overview Overview of the business Assets Under Management and Revenue Yield Wealth Management Closing AUM Average Revenue Yield A service led business that provides high quality advice across all £3,00
Slide 10: Renaissance Asset Finance (RAF)
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Renaissance Asset Finance (RAF) Overview of the business RAF Loan Book Growth & Gross Interest Yield Acquired in April 2017, the business is based in Basildon with a sales team giving UK wide coverage. 71 staff in total
Slide 11: Arbuthnot Commercial Asset Based Lending (ACABL)
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Arbuthnot Commercial Asset Based Lending (ACABL) Overview of the business ACABL Loan Book Growth & Gross Interest Yield Growth Celebrating 8 years of trading in May 2026. Head Office in Gatwick with a nationwide presenc
Slide 12: Asset Alliance Group (AAG)
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Asset Alliance Group (AAG) Overview of the business AAG Loan Book Growth & Gross Interest Yield An award-winning specialist lender focusing on the UK bus & Top 5 provider* of Contract Hire, coach and commercial vehicle
Slide 13: Financial review
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Highlights Strategy & group overview Financial review Appendix 13
Slide 14: Summarised Income Statement & Balance Sheet
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Summarised Income Statement & Balance Sheet Income statement (£m) Financial Year 2025 Financial Year 2024 % Change Commentary Interest income 247.25 263.44 (6%) • Interest income down 6% due to a reduction in Interest e
Slide 15: Profit Before Tax Movement
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Profit Before Tax Movement Commentary £40m • 2025 PBT of £24.2m, down from 35.1 31.7 £35.1m in 2024 £35m • Subsidiary profit decreased (£3.7m) due to lower ABL Balances and 22.3 account fees and lower AAG truck sales re
Slide 16: Summary Financials - Operating Segments
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Summary Financials - Operating Segments Commentary Profit/(Loss) before Tax £m Financial Year 2025 Financial Year 2024 % Change • Banking 1%/£0.4m higher as a higher Banking 28.53 28.12 1% liquidity recharge credit and
Slide 17: Loan Portfolio Analysis - Key Metrics
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Loan Portfolio Analysis - Key Metrics £525k average loan amount 99.3% of total lending 45.8% LTV average for the Specialist lending 40% of (£555k in 2024) secured Banking loan book – total loans (35% in 2024) maximum 70
Slide 18: Loan Book Analysis
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Loan Book Analysis Breakdown of Customer Lending Loan balances £m FY 2025 FY 2024 Core 1,357 1,540 RAF 287 249 17% 15% ACABL 219 228 AAG 383 363 10% 10% Total 2,246 2,380 10% 13% Commentary • Total lending fell by £134m
Slide 19: Customer Deposit Analysis - Key Metrics
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Customer Deposit Analysis - Key Metrics Time deposits 2.35% annualised 2.65% FY25 cost £36m Notice and £402m Call and £4.57bn average original average deposit of funding Term net inflow Current net Customer term 7.8 mon
Slide 20: Customer Deposits
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Customer Deposits Rates 600 Time deposits 3.15% FY24 cost (£220m) Notice 525 £593m Call and475 £4.13bn 500 average original of funding and Time net Current net Customer Breakdown of Customer Deposits (£m) 375 term 8.1 m
Slide 21: Capital Surplus
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Capital Surplus £70m Commentary 21.1 • Total capital resources at year end of £273.5m, with surplus capital of £44.5m £60m • CET1 capital ratio at the period end of 13.6% • 2025 retained earnings increased resources by
Slide 22: Group Summary
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Group Summary One of the oldest specialist banks in the UK, having served our clients since 1833 Well capitalised with strong liquidity and low cost of funding from a relationship deposit-led funding model. Closely moni
Slide 23: Appendix
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Highlights Strategy & group overview Financial review Appendix 23
Slide 24: Substantial Track Record of Value Creation
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Substantial Track Record of Value Creation Overview ARBB Share Price Performance & TSR ̵ Market capitalisation of £141 million1 ̵ £105.6m (£6.95 per share) cumulatively returned to shareholders since 2015 ̵ Total divide
Slide 25: Disclaimer
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results Disclaimer This presentation and the information, statements and opinions in it do not constitute, and should not be construed as, a public offer under any applicable legislation or an offer to sell or issue or solicita
Slide 26: Thank You
Classification: Confidential Arbuthnot Banking Group PLC - 2025 Year-end Results ARBUTHNOT BANKING GROUP PLC Thank You Arbuthnot Banking Group PLC Arbuthnot House 20 Finsbury Circus Arbuthnot Banking Group: 0207 012 2400 London EC2M 7EA Sir Henry Angest – Chairman and Chief Executive www.arbuthnotgr
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