| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | YoY | Trend | |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Cash & Equivalents | £559.8M | £469.0M | £400.3M | £416.9M | £303.0M | £232.1M | +19.4% | |
| Central Bank Balances | £528.1M | £445.0M | £351.6M | £370.1M | £235.7M | £181.5M | +18.7% | |
| Loans to Banks | £36.8M | £24.0M | £53.7M | £50.5M | £50.3M | £63.3M | +53.3% | |
| Loans to Customers | £3.3B | £3.6B | £3.3B | £2.9B | £2.5B | £2.4B | -8.7% | |
| Debt Securities | £1.0M | — | — | — | £25.0M | — | — | |
| Derivative Assets | £200K | £14.3M | £25.5M | £34.9M | £3.8M | £4.8M | -98.6% | |
| Investment Property | £24.1M | — | — | — | £4.7M | £4.3M | — | |
| Property, Plant & Equipment | £7.4M | £9.9M | £10.8M | £10.3M | £9.3M | £9.9M | -25.3% | |
| Deferred Tax Assets | £3.6M | £3.3M | £4.3M | £5.5M | £6.9M | £6.6M | +9.1% | |
| Current Tax Assets | £2.6M | £200K | £100K | — | £800K | — | +1200.0% | |
| Other Assets | £8.8M | £11.7M | £12.9M | £13.4M | £11.9M | £15.6M | -24.8% | |
| Total Assets | £4.3B | £4.1B | £3.8B | £3.4B | £2.9B | £2.7B | +4.8% | |
| Liabilities | ||||||||
| Deposits from Banks | £205.9M | £365.8M | £402.0M | £400.5M | £390.8M | £276.4M | -43.7% | |
| Deposits from Customers | £3.5B | £3.2B | £2.9B | £2.5B | £2.1B | £2.0B | +8.2% | |
| Derivative Liabilities | £100K | £10.0M | £22.0M | £26.7M | £6.2M | £6.1M | -99.0% | |
| Subordinated Liabilities | £93.5M | £93.3M | £93.1M | £51.1M | £50.9M | £50.8M | +0.2% | |
| Provisions | £25.5M | £11.3M | £6.0M | — | — | — | +125.7% | |
| Current Tax Liabilities | — | — | — | £800K | — | £1.0M | — | |
| Other Liabilities | £98.0M | £32.5M | £37.7M | £78.1M | £31.3M | £56.3M | +201.5% | |
| Total Liabilities | £3.9B | £3.8B | £3.4B | £3.1B | £2.6B | £2.4B | +4.9% | |
| Equity | ||||||||
| Share Capital | £7.6M | £7.6M | £7.6M | £7.5M | £7.5M | £7.5M | +0.0% | |
| Share Premium | £84.2M | £84.0M | £83.8M | £82.2M | £82.2M | £82.2M | +0.2% | |
| Retained Earnings | £284.4M | £271.1M | £254.8M | £237.5M | £211.7M | £177.0M | +4.9% | |
| Other Reserves | -£1.9M | -£2.2M | -£1.7M | — | — | — | +13.6% | |
| Total Equity | £374.3M | £360.5M | £344.5M | £326.9M | £302.4M | £267.6M | +3.8% | |
| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | YoY | Trend | |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Cash & Equivalents | £559.8M | £469.0M | £400.3M | £416.9M | £303.0M | £232.1M | +19.4% | |
| Central Bank Balances | £528.1M | £445.0M | £351.6M | £370.1M | £235.7M | £181.5M | +18.7% | |
| Loans to Banks | £36.8M | £24.0M | £53.7M | £50.5M | £50.3M | £63.3M | +53.3% | |
| Loans to Customers | £3.3B | £3.6B | £3.3B | £2.9B | £2.5B | £2.4B | -8.7% | |
| Debt Securities | £1.0M | — | — | — | £25.0M | — | — | |
| Derivative Assets | £200K | £14.3M | £25.5M | £34.9M | £3.8M | £4.8M | -98.6% | |
| Investment Property | £24.1M | — | — | — | £4.7M | £4.3M | — | |
| Property, Plant & Equipment | £7.4M | £9.9M | £10.8M | £10.3M | £9.3M | £9.9M | -25.3% | |
| Deferred Tax Assets | £3.6M | £3.3M | £4.3M | £5.5M | £6.9M | £6.6M | +9.1% | |
| Current Tax Assets | £2.6M | £200K | £100K | — | £800K | — | +1200.0% | |
| Other Assets | £8.8M | £11.7M | £12.9M | £13.4M | £11.9M | £15.6M | -24.8% | |
| Total Assets | £4.3B | £4.1B | £3.8B | £3.4B | £2.9B | £2.7B | +4.8% | |
| Liabilities | ||||||||
| Deposits from Banks | £205.9M | £365.8M | £402.0M | £400.5M | £390.8M | £276.4M | -43.7% | |
| Deposits from Customers | £3.5B | £3.2B | £2.9B | £2.5B | £2.1B | £2.0B | +8.2% | |
| Derivative Liabilities | £100K | £10.0M | £22.0M | £26.7M | £6.2M | £6.1M | -99.0% | |
| Subordinated Liabilities | £93.5M | £93.3M | £93.1M | £51.1M | £50.9M | £50.8M | +0.2% | |
| Provisions | £25.5M | £11.3M | £6.0M | — | — | — | +125.7% | |
| Current Tax Liabilities | — | — | — | £800K | — | £1.0M | — | |
| Other Liabilities | £98.0M | £32.5M | £37.7M | £78.1M | £31.3M | £56.3M | +201.5% | |
| Total Liabilities | £3.9B | £3.8B | £3.4B | £3.1B | £2.6B | £2.4B | +4.9% | |
| Equity | ||||||||
| Share Capital | £7.6M | £7.6M | £7.6M | £7.5M | £7.5M | £7.5M | +0.0% | |
| Share Premium | £84.2M | £84.0M | £83.8M | £82.2M | £82.2M | £82.2M | +0.2% | |
| Retained Earnings | £284.4M | £271.1M | £254.8M | £237.5M | £211.7M | £177.0M | +4.9% | |
| Other Reserves | -£1.9M | -£2.2M | -£1.7M | — | — | — | +13.6% | |
| Total Equity | £374.3M | £360.5M | £344.5M | £326.9M | £302.4M | £267.6M | +3.8% | |
