Aldermore — Debt Investor Presentation (September 2026)
16 slides from Aldermore's debt investor presentation, September 2026
Slide 1: Fixed Income Update
Fixed Income Update For the year ended 30 June 2026 September 2026
Slide 2: Disclaimer
Disclaimer Disclaimer IMPORTANT NOTICE. This document is for information purposes only and should not be treated as giving investment advice and does not take account of the specific circumstances or particular needs of any recipient. This document does not constitute a public offer under any applic
Slide 3: Strategy is set to continue delivering a more resilient and profitable group
Strategy is set to continue delivering a more resilient and profitable group DNA and Specialist player by design revolving around customers and serving their complex needs mission • Increase lending volumes in both established and • Lending grew 13% to £18.8bn, led by Property Finance up 20% to £10.
Slide 4: Continued growth and resilient underlying performance
Continued growth and resilient underlying performance Profit Before Tax (Statutory) Statutory profit before tax of £51.2m Underlying operating and financial performance remained resilient with underlying PBT of £238.9m (FY 2025: £254.1m). Statutory £51.2m PBT impacted by charges related to the FCA’s
Slide 5: Financial Performance
Financial Performance Summary Income Statement (£ million) FY 2026 FY 2025 Change Resilient Income Net Interest Income increased to £604.1m (FY 2025: £597.9m), as strong portfolio Net interest income 604.1 597.9 1% growth offset a 32bps margin reduction to 3.46%. The margin reduction reflected lower
Slide 6: Disciplined balance sheet growth
Disciplined balance sheet growth • Property Finance was the primary driver of Customer Lending (£bn) 0.4 lending growth, increasing £1.7bn, 1.7 0.1 reflecting continued strength in specialist buy-to-let alongside the contribution from the acquisition of Octane Lending Business 0.2 0.2 Assets. 0.9 •
Slide 7: Diversified, Granular and Secured Loan Portfolio
Diversified, Granular and Secured Loan Portfolio Proportion of Net Average Cust. FY26 Indexed LTV (%) NPL (%)1 CoR (bps) Loan Book (%) Balance Owner 11% 62% 7.1% (17bps) £159k Occupied (FY 2025: 13%) (FY 2025: 61%) (FY 2025: 7.6%) (FY 2025: (29bps)) (FY 2025: £154k) • Lending book composition and as
Slide 8: Resilient credit performance
Resilient credit performance Gross Loans by Stage (£m)1 Expected Credit Loss Provision by Stage (£m)1 Financial year ended (£m) FY 2026 FY 2025 Stage 3, Stage 3, Gross Loans 19,048 16,858 570 577 Stage 3, Expected Credit Loss (249) (258) Stage 3, 145 132 Provision Coverage (%) 1.3% 1.5% Stage 2 Stag
Slide 9: Capital, Funding & Liquidity
Capital, Funding & Liquidity
Slide 10: Strong capital, well positioned to support growth
Strong capital, well positioned to support growth Strong capital, well positioned to support growth Changes in Aldermore Group’s minimum Capital Resources1 regulatory capital requirements post Basel 3.12 17.3% 17.4% £m 13.81% 13.50% 0.93% 2.50% £m 1.40% 300 100 2.00% 2.00% 1.30% 150 150 2.50% 2.50%
Slide 11: Diversified funding and low-risk liquidity position
Diversified funding and low-risk liquidity position Diversified funding, with proven access Prudently managed LCR and NSFR (%) Low-risk liquidity buffer1 to public wholesale funding (£bn) 21.1 0.5 203 18.6 0.3 1.2 0.6 0.1 170 0.9 ILTR and TFSME 5.0 2% 6% Bank of 2.8 England Capital and 136 Subordina
Slide 12: Divisional Overview
Divisional Overview
Slide 13: Property Finance
Property Finance ~73% of customers stay after c.54k mortgage customers and >18k registered brokers Net Promoter Score +17 for maturity, with ~54% taking a new £10.4bn balances brokers evidencing strong service loyalty product Property Finance Propositions Property Finance Balance Gross Originations
Slide 14: Business Finance
Business Finance c.30k customers and 50% of AF business via brokers1 Asset Finance average customer balance £82k Net Promoter Score +20 CRE average loan size £1.2m £3.9bn balances 25% of CRE business evidencing strong service 2% of IF business Invoice Finance average facility size £0.9m Business Fin
Slide 15: Motor Finance
Motor Finance c.437k Motor customers, 78% dealership-direct #2 in Used Car Finance Net Promoter Score +41 for Trustpilot “Excellent” c1.5k Motor dealerships, business | 22% broker- #3 in LCV Finance Customers 4.6/5 £4.5bn balances generated business Motor Finance Propositions Motor Finance Balance G
Slide 16: Savings
Savings £19.1bn Balances >75%of deposits are Business Personal Corporate Trustpilot “Excellent” 4.4/5 YoY growth of £2.1bn covered by the FSCS Avg. Balance (acct): £57k Avg. Balance (acct): £30k Min. Balance: £1m Personal Business Deposit Aggregators & Corporate Fixed DA Fixed 9% 5% 11% 26% Notice E
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