Yorkshire Building Society Financials

Bond

	FY25	FY24	FY23	FY22	FY21	FY20	YoY
Assets
Cash & Equivalents	£6.4B	£6.2B	£5.1B	£6.6B	£5.8B	£5.4B	+3.3%
Central Bank Balances	£6.0B	£5.6B	£4.8B	£6.0B	£5.5B	£4.5B	+7.7%
Loans to Banks	£363.7M	£590.0M	£397.4M	£814.7M	£381.4M	£1.1B	-38.4%
Loans to Customers	£51.9B	£49.7B	£46.8B	£45.2B	£41.9B	£38.8B	+4.4%
Debt Securities	£5.4B	£5.0B	£4.9B	£5.3B	£5.9B	£6.1B	+8.1%
Derivative Assets	£678.9M	£1.5B	£1.8B	£2.4B	£490.9M	£416.2M	-53.7%
Investment Property	£11.9M	£11.1M	£15.7M	£16.0M	£14.5M	£14.6M	+7.2%
Property, Plant & Equipment	—	£101.4M	£99.5M	£101.1M	£122.0M	£126.6M	—
Deferred Tax Assets	—	—	—	—	—	£6.0M	—
Current Tax Assets	£5.7M	£5.3M	—	—	—	—	+7.5%
Other Assets	£38.6M	£36.4M	£38.9M	£30.1M	£27.2M	£23.1M	+6.0%
Total Assets	£66.3B	£65.5B	£61.0B	£58.8B	£52.7B	£47.9B	+1.2%
Liabilities
Deposits from Banks	£336.9M	£1.2B	£1.9B	£5.2B	£6.1B	£3.8B	-71.2%
Deposits from Customers	£52.9B	£52.0B	£47.1B	£42.0B	£35.5B	£33.4B	+1.7%
Derivative Liabilities	£286.0M	£555.8M	£697.4M	£666.3M	£272.7M	£490.9M	-48.5%
Subordinated Liabilities	£1.5B	£1.5B	£1.6B	£1.0B	£857.7M	£645.0M	+1.3%
Provisions	£2.4M	£4.2M	£4.0M	£5.7M	£6.1M	£8.6M	-42.9%
Deferred Tax Liabilities	£22.7M	£43.2M	£22.5M	£11.9M	£50.4M	£34.9M	-47.5%
Current Tax Liabilities	—	£200K	—	£700K	£4.0M	£2.9M	—
Other Liabilities	£86.2M	£75.2M	£70.5M	£64.0M	£83.6M	£82.4M	+14.6%
Total Liabilities	£62.1B	£61.6B	£57.3B	£55.4B	£49.6B	£45.1B	+0.8%
Equity
Total Equity	£4.2B	£4.0B	£3.7B	£3.4B	£3.1B	£2.8B	+6.7%

Currency: GBPPeriods: 6

Source: Annual Reports

	FY25	FY24	FY23	FY22	FY21	FY20	YoY
Assets
Cash & Equivalents	£6.4B	£6.2B	£5.1B	£6.6B	£5.8B	£5.4B	+3.3%
Central Bank Balances	£6.0B	£5.6B	£4.8B	£6.0B	£5.5B	£4.5B	+7.7%
Loans to Banks	£363.7M	£590.0M	£397.4M	£814.7M	£381.4M	£1.1B	-38.4%
Loans to Customers	£51.9B	£49.7B	£46.8B	£45.2B	£41.9B	£38.8B	+4.4%
Debt Securities	£5.4B	£5.0B	£4.9B	£5.3B	£5.9B	£6.1B	+8.1%
Derivative Assets	£678.9M	£1.5B	£1.8B	£2.4B	£490.9M	£416.2M	-53.7%
Investment Property	£11.9M	£11.1M	£15.7M	£16.0M	£14.5M	£14.6M	+7.2%
Property, Plant & Equipment	—	£101.4M	£99.5M	£101.1M	£122.0M	£126.6M	—
Deferred Tax Assets	—	—	—	—	—	£6.0M	—
Current Tax Assets	£5.7M	£5.3M	—	—	—	—	+7.5%
Other Assets	£38.6M	£36.4M	£38.9M	£30.1M	£27.2M	£23.1M	+6.0%
Total Assets	£66.3B	£65.5B	£61.0B	£58.8B	£52.7B	£47.9B	+1.2%
Liabilities
Deposits from Banks	£336.9M	£1.2B	£1.9B	£5.2B	£6.1B	£3.8B	-71.2%
Deposits from Customers	£52.9B	£52.0B	£47.1B	£42.0B	£35.5B	£33.4B	+1.7%
Derivative Liabilities	£286.0M	£555.8M	£697.4M	£666.3M	£272.7M	£490.9M	-48.5%
Subordinated Liabilities	£1.5B	£1.5B	£1.6B	£1.0B	£857.7M	£645.0M	+1.3%
Provisions	£2.4M	£4.2M	£4.0M	£5.7M	£6.1M	£8.6M	-42.9%
Deferred Tax Liabilities	£22.7M	£43.2M	£22.5M	£11.9M	£50.4M	£34.9M	-47.5%
Current Tax Liabilities	—	£200K	—	£700K	£4.0M	£2.9M	—
Other Liabilities	£86.2M	£75.2M	£70.5M	£64.0M	£83.6M	£82.4M	+14.6%
Total Liabilities	£62.1B	£61.6B	£57.3B	£55.4B	£49.6B	£45.1B	+0.8%
Equity
Total Equity	£4.2B	£4.0B	£3.7B	£3.4B	£3.1B	£2.8B	+6.7%

Currency: GBPPeriods: 6

Source: Annual Reports

	FY25	FY24	FY23	FY22	FY21	FY20	YoY
Assets
Cash & Equivalents	£6.4B	£6.2B	£5.1B	£6.6B	£5.8B	£5.4B	+3.3%
Central Bank Balances	£6.0B	£5.6B	£4.8B	£6.0B	£5.5B	£4.5B	+7.7%
Loans to Banks	£363.7M	£590.0M	£397.4M	£814.7M	£381.4M	£1.1B	-38.4%
Loans to Customers	£51.9B	£49.7B	£46.8B	£45.2B	£41.9B	£38.8B	+4.4%
Debt Securities	£5.4B	£5.0B	£4.9B	£5.3B	£5.9B	£6.1B	+8.1%
Derivative Assets	£678.9M	£1.5B	£1.8B	£2.4B	£490.9M	£416.2M	-53.7%
Investment Property	£11.9M	£11.1M	£15.7M	£16.0M	£14.5M	£14.6M	+7.2%
Property, Plant & Equipment	—	£101.4M	£99.5M	£101.1M	£122.0M	£126.6M	—
Deferred Tax Assets	—	—	—	—	—	£6.0M	—
Current Tax Assets	£5.7M	£5.3M	—	—	—	—	+7.5%
Other Assets	£38.6M	£36.4M	£38.9M	£30.1M	£27.2M	£23.1M	+6.0%
Total Assets	£66.3B	£65.5B	£61.0B	£58.8B	£52.7B	£47.9B	+1.2%
Liabilities
Deposits from Banks	£336.9M	£1.2B	£1.9B	£5.2B	£6.1B	£3.8B	-71.2%
Deposits from Customers	£52.9B	£52.0B	£47.1B	£42.0B	£35.5B	£33.4B	+1.7%
Derivative Liabilities	£286.0M	£555.8M	£697.4M	£666.3M	£272.7M	£490.9M	-48.5%
Subordinated Liabilities	£1.5B	£1.5B	£1.6B	£1.0B	£857.7M	£645.0M	+1.3%
Provisions	£2.4M	£4.2M	£4.0M	£5.7M	£6.1M	£8.6M	-42.9%
Deferred Tax Liabilities	£22.7M	£43.2M	£22.5M	£11.9M	£50.4M	£34.9M	-47.5%
Current Tax Liabilities	—	£200K	—	£700K	£4.0M	£2.9M	—
Other Liabilities	£86.2M	£75.2M	£70.5M	£64.0M	£83.6M	£82.4M	+14.6%
Total Liabilities	£62.1B	£61.6B	£57.3B	£55.4B	£49.6B	£45.1B	+0.8%
Equity
Total Equity	£4.2B	£4.0B	£3.7B	£3.4B	£3.1B	£2.8B	+6.7%

Currency: GBPPeriods: 6

Source: Annual Reports

	FY25	FY24	FY23	FY22	FY21	FY20	YoY
Assets
Cash & Equivalents	£6.4B	£6.2B	£5.1B	£6.6B	£5.8B	£5.4B	+3.3%
Central Bank Balances	£6.0B	£5.6B	£4.8B	£6.0B	£5.5B	£4.5B	+7.7%
Loans to Banks	£363.7M	£590.0M	£397.4M	£814.7M	£381.4M	£1.1B	-38.4%
Loans to Customers	£51.9B	£49.7B	£46.8B	£45.2B	£41.9B	£38.8B	+4.4%
Debt Securities	£5.4B	£5.0B	£4.9B	£5.3B	£5.9B	£6.1B	+8.1%
Derivative Assets	£678.9M	£1.5B	£1.8B	£2.4B	£490.9M	£416.2M	-53.7%
Investment Property	£11.9M	£11.1M	£15.7M	£16.0M	£14.5M	£14.6M	+7.2%
Property, Plant & Equipment	—	£101.4M	£99.5M	£101.1M	£122.0M	£126.6M	—
Deferred Tax Assets	—	—	—	—	—	£6.0M	—
Current Tax Assets	£5.7M	£5.3M	—	—	—	—	+7.5%
Other Assets	£38.6M	£36.4M	£38.9M	£30.1M	£27.2M	£23.1M	+6.0%
Total Assets	£66.3B	£65.5B	£61.0B	£58.8B	£52.7B	£47.9B	+1.2%
Liabilities
Deposits from Banks	£336.9M	£1.2B	£1.9B	£5.2B	£6.1B	£3.8B	-71.2%
Deposits from Customers	£52.9B	£52.0B	£47.1B	£42.0B	£35.5B	£33.4B	+1.7%
Derivative Liabilities	£286.0M	£555.8M	£697.4M	£666.3M	£272.7M	£490.9M	-48.5%
Subordinated Liabilities	£1.5B	£1.5B	£1.6B	£1.0B	£857.7M	£645.0M	+1.3%
Provisions	£2.4M	£4.2M	£4.0M	£5.7M	£6.1M	£8.6M	-42.9%
Deferred Tax Liabilities	£22.7M	£43.2M	£22.5M	£11.9M	£50.4M	£34.9M	-47.5%
Current Tax Liabilities	—	£200K	—	£700K	£4.0M	£2.9M	—
Other Liabilities	£86.2M	£75.2M	£70.5M	£64.0M	£83.6M	£82.4M	+14.6%
Total Liabilities	£62.1B	£61.6B	£57.3B	£55.4B	£49.6B	£45.1B	+0.8%
Equity
Total Equity	£4.2B	£4.0B	£3.7B	£3.4B	£3.1B	£2.8B	+6.7%

Currency: GBPPeriods: 6

Source: Annual Reports