SHAWBROOK BANK LIMITED
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Cash
—
Latest balance sheet
Net assets
£1.9B
-31.9% vs 2024
Employees
1,069
+5.8% vs 2024
Profit before tax
£451M
+18.3% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £467,700,000 | £522,000,000 | +11.6% | |
| Fee & commission income | — | £139,500,000 | £154,200,000 | +10.5% | |
| Operating income | — | £729,700,000 | £803,100,000 | +10.1% | |
| Impairment losses | — | £67,200,000 | £76,700,000 | +14.1% | |
| Profit before tax | £287,200,000 | £381,200,000 | £450,900,000 | +18.3% | |
| Net profit | £212,600,000 | £305,300,000 | £371,100,000 | +21.6% | |
| Loans & advances to customers | — | £15,156,400,000 | £17,770,100,000 | +17.2% | |
| Customer deposits | — | £15,804,000,000 | £18,353,500,000 | +16.1% | |
| Total assets | £17,236,000,000 | £19,723,000,000 | £22,463,800,000 | +13.9% | |
| Total liabilities | — | £18,502,900,000 | £20,455,800,000 | +10.6% | |
| Equity | £1,338,900,000 | £1,382,400,000 | £1,884,600,000 | +36.3% | |
| Average employees | 1,346 | 1,010 | 1,069 | +5.8% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 24.9% | 25.2% | — | |
| Net margin | 18.4% | 20.4% | — | |
| Return on capital employed | 1.7% | 2.0% | — | |
| Gearing (liabilities / total assets) | 91.7% | 86.0% | — | |
| Interest cover | 0.51x | 0.47x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 3 times since incorporation
- SHAWBROOK BANK LIMITED 2011-10-17 → present
- WHITEAWAY LAIDLAW BANK LIMITED 1988-02-01 → 2011-10-17
- WHITEAWAY,LAIDLAW & CO.LIMITED 1970-07-14 → 1988-02-01
- COMMERCIAL CREDIT TRUST (LEEDS) LIMITED 1944-06-29 → 1970-07-14
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“We consider that the directors’ assessment of the Group’s and the Parent Company’s ability to continue as a going concern is appropriate. Based on our work we have not identified, and concur with the directors’ assessment that there are no material uncertainties that could cast significant doubt on the Group’s and the Parent Company’s ability to continue as a going concern for the going concern period.”
Group structure
- SHAWBROOK BANK LIMITED · parent
- The Mortgage Lender Limited 100%
- Shawbrook Mortgage Finance No.1 Limited 100%
- Shawbrook Mortgage Finance No.2 Limited 100%
Significant events
- “On 29 January 2026, the Group acquired corporate parent company of Shawbrook Group plc.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 43 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NICHOLSON, Andrew James | Secretary | 2023-01-24 | — | — |
| CALLENDER, John Dalrymple | Director | 2018-03-08 | Apr 1950 | British |
| CONNOR, Janet | Director | 2022-05-01 | Dec 1964 | British |
| DIDHAM, Andrew | Director | 2017-02-01 | May 1956 | British |
| DUBOURDIEU, Cedric, Mr | Director | 2017-09-05 | Feb 1974 | French |
| GARCIA, Marcelino Castrillo | Director | 2021-06-07 | Oct 1972 | Spanish |
| MCMURRAY, Lindsey Villon | Director | 2011-01-31 | Jan 1971 | British |
| MINTO, Dylan | Director | 2017-02-06 | Aug 1980 | British |
| TU, Thi Nhuoc Lan | Director | 2022-03-10 | Mar 1967 | British |
| TURMORE, Michele Mavis | Director | 2019-10-01 | Sep 1959 | British |
| WEIR, Derek James | Director | 2024-07-01 | Mar 1966 | British |
Show 43 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARMITAGE, Harry Douglas | Secretary | — | 1994-09-14 |
| ARTELL, Nancy Louise | Secretary | 2009-09-01 | 2010-10-29 |
| COWIE, David Edward | Secretary | 2010-11-18 | 2011-01-31 |
| DALTON, Janet | Secretary | 1998-04-01 | 2001-03-26 |
| HOLMES, Colin John | Secretary | 2001-03-26 | 2007-01-31 |
| RENSHAW, William George | Secretary | 1994-09-14 | 1998-03-31 |
| RICHARDSON, Ian Michael | Secretary | 2007-01-31 | 2009-09-01 |
| RUSHBROOK, Daniel James | Secretary | 2011-03-04 | 2023-01-24 |
| ALCOCK, Graham Paul | Director | 2007-04-01 | 2016-06-09 |
| ASHTON, Robin James | Director | 2011-12-01 | 2022-06-30 |
| BARNES, Eric Malcolm | Director | — | 1996-12-11 |
| BURY, David Gordon | Director | 1998-06-17 | 2001-09-06 |
| CORNISH, Iain | Director | 2015-07-06 | 2018-03-08 |
| COWIE, David Edward | Director | 2007-01-31 | 2011-01-31 |
| COWIE, Ian | Director | 2018-07-27 | 2021-06-07 |
| DUDDY, Terence | Director | 2001-09-06 | 2007-01-31 |
| DYSON, Robert William | Director | 2009-05-19 | 2011-01-31 |
| FIELDEN, Nicholas Mark | Director | 2011-06-06 | 2013-10-31 |
| FOX, Robert Trench | Director | — | 2008-04-16 |
| FRASER OF KILMORACK, Richard Michael, The Rt Hon Lord | Director | — | 1994-06-30 |
| GAGIE, David Ronald | Director | 2016-01-01 | 2019-01-31 |
| GEE, Christopher Williamson | Director | 2011-01-26 | 2011-01-31 |
| GRANT, Ian Alfred | Director | 1996-12-11 | 2000-03-31 |
| HARDMAN, Blaise Noel Anthony | Director | — | 2007-01-31 |
| HENDERSON, Ian Arthur | Director | 2012-12-03 | 2014-04-02 |
| HIBBERD, Sally-Ann | Director | 2015-11-05 | 2019-01-31 |
| HILLIARD, Trevor Martyn | Director | 2001-03-26 | 2003-12-21 |
| IVORY, Brian Gammell, Sir | Director | 2011-03-04 | 2015-03-31 |
| JOHNSON, Stephen David | Director | 2015-05-21 | 2018-01-23 |
| LAWRENCE, Paul Joseph | Director | 2015-08-24 | 2025-03-31 |
| LOVERING, Roger Vincent | Director | 2013-01-25 | 2019-08-31 |
| MARTIN, Douglas John | Director | 2008-11-01 | 2011-01-31 |
| MATHEWSON, George Ross, Sir | Director | 2011-03-04 | 2015-07-06 |
| MOTTERSHEAD, John Edward | Director | 1996-04-16 | 2007-08-31 |
| PATEMAN, Stephen James, Chief Executive Officer | Director | 2016-01-01 | 2018-07-27 |
| PUGH, Richard Henry Crommelin | Director | — | 1994-03-31 |
| PYMAN, Richard Anthony | Director | 2014-04-02 | 2015-10-02 |
| RICHARDSON, Ian Michael | Director | 2007-01-31 | 2007-01-31 |
| SMITH, Joseph | Director | 2007-01-31 | 2009-05-19 |
| TYLER, Bruce Charles | Director | 2007-11-12 | 2011-07-21 |
| WEIGH, Peter Langford | Director | — | 2000-09-12 |
| WOOD, Thomas Francis | Director | 2012-10-24 | 2016-06-30 |
| WOODLEY, Owen Pearson | Director | 2011-01-31 | 2012-05-04 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Shawbrook Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 287 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-11 | AA | accounts | Accounts with accounts type group | |
| 2026-04-09 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-05 | SH01 | capital | Capital allotment shares | |
| 2025-04-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-03 | AA | accounts | Accounts with accounts type group | |
| 2025-04-01 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-01 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-08 | AA | accounts | Accounts with accounts type group | |
| 2024-04-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-18 | AA | accounts | Accounts with accounts type group | |
| 2023-06-23 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-04-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-06 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-02-03 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-07-11 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2022-05-05 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2022-05-03 | AP01 | officers | Appoint person director company with name date | |
| 2022-04-25 | AA | accounts | Accounts with accounts type group | |
| 2022-04-05 | RP04AP01 | officers | Second filing of director appointment with name |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 1
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.