STARLING BANK LIMITED
Get an alert when STARLING BANK LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
—
Latest balance sheet
Net assets
£1.1bn
+77.5% highest in 3 filed years
Employees
3,902
+5.1% highest in 3 filed years
Profit before tax
£230m
-1.7% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
2 PSCs ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £381,574,000 | £558,203,000 | +46.3% | |
| Fee & commission income | — | £82,958,000 | £100,749,000 | +21.4% | |
| Operating income | — | £489,582,000 | £697,442,000 | +42.5% | |
| Impairment losses | — | £5,243,000 | £9,649,000 | +84% | |
| Profit before tax | £303,059,000 | £234,314,000 | £230,222,000 | -1.7% | |
| Net profit | £220,001,000 | £155,156,000 | £157,803,000 | +1.7% | |
| Loans & advances to customers | — | £4,870,587,000 | £5,214,605,000 | +7.1% | |
| Customer deposits | — | £12,068,667,000 | £12,094,831,000 | +0.2% | |
| Total assets | £14,767,932,000 | £15,090,571,000 | £16,590,890,000 | +9.9% | |
| Total liabilities | — | £14,037,444,000 | £12,569,815,000 | -10.5% | |
| Equity | £1,048,052,000 | £1,055,015,000 | £1,080,980,000 | +2.5% | |
| Average employees | 3,507 | 3,711 | 3,902 | +5.1% |
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 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Operating margin | 40.5% | 28.4% | — | |
| Net margin | 29.4% | 19.7% | — | |
| Return on capital employed | 2.1% | 1.5% | — | |
| Gearing (liabilities / total assets) | 92.9% | 96.0% | — |
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 2 times since incorporation
- STARLING BANK LIMITED 2016-07-15 → present
- STARLING FS LIMITED 2016-01-05 → 2016-07-15
- POSSIBLE FS LIMITED 2014-06-18 → 2016-01-05
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“We concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate and that there are no material uncertainties identified that may cast significant doubt on the Company's ability to continue as a going concern for at least a year from the date of approval of the financial statements.”
Group structure
- STARLING BANK LIMITED · parent
- Starling FS Services Limited 100%
- Ember by Starling Limited 100%
- Engine by Starling Services Limited 100%
- Murmur Financial Services International DAC 100%
- Engine by Starling Limited 100%
- Engine by Starling Services US LLC 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
12 active · 15 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RIDLEY, Veronica | Secretary | 2024-05-24 | — | — |
| BELL, Colin William | Director | 2025-10-06 | Feb 1968 | British |
| BHATIA, Raman | Director | 2024-06-24 | Nov 1978 | British |
| CAMPOS, Lazaro | Director | 2018-06-21 | May 1963 | Spanish |
| CHAKRAVERTY, Julie | Director | 2024-03-01 | Oct 1971 | British |
| CLARKE, Tracy Jayne | Director | 2021-05-26 | Feb 1967 | British |
| FERGUSON, Declan | Director | 2022-07-13 | Jan 1989 | British |
| GALARIA, Faisal | Director | 2022-06-01 | Oct 1973 | British |
| POPE, Darren Scott | Director | 2024-10-01 | Aug 1965 | British |
| SPROUL, David | Director | 2021-06-30 | Oct 1959 | British |
| TRAILL, Marcus John | Director | 2015-12-22 | May 1976 | New Zealander |
| WATTS, Richard James | Director | 2025-12-01 | Mar 1977 | British |
Show 15 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| NEWMAN, Matthew | Secretary | 2015-11-18 | 2024-05-24 |
| LORRAINE YOUNG COMPANY SECRETARIES LIMITED | Corporate Secretary | 2015-06-01 | 2015-11-18 |
| SARSAR LIMITED | Corporate Secretary | 2014-06-18 | 2015-06-01 |
| BODEN, Anne Elizabeth | Director | 2014-06-18 | 2024-06-30 |
| CLARKE, Carolyn | Director | 2020-10-31 | 2024-01-31 |
| COLSELL, Steven James | Director | 2015-09-18 | 2021-12-31 |
| ELLINGHAM, Tony | Director | 2016-08-17 | 2022-07-13 |
| IMAM, Claire Louise | Director | 2024-08-12 | 2024-10-17 |
| JENKINS, Ian Simon | Director | 2021-10-01 | 2025-09-30 |
| MARTIN, Marian Macdonald | Director | 2019-06-26 | 2025-09-30 |
| MAWDSLEY, Craig John | Director | 2015-12-22 | 2018-06-21 |
| MOUNTAIN, John Edmund | Director | 2023-06-20 | 2024-06-24 |
| RAFFE, Victoria Genevieve | Director | 2015-11-10 | 2021-12-06 |
| STOCKEN, Oliver Henry James | Director | 2015-11-12 | 2021-12-31 |
| WINLOW, Mark | Director | 2015-09-18 | 2021-10-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Starling Intermediate Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-09-30 | Active |
| Starling Group Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-06-27 | Ceased 2025-09-30 |
| Harald Mcpike-Zima | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2025-06-27 |
| Ms Anne Elizabeth Boden | Individual | Voting 25–50% | 2016-04-06 | Ceased 2019-04-10 |
Filing timeline
Last 20 of 177 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-07-08 RESOLUTIONS Resolution
- 2025-07-08 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-14 | AP01 | officers | Appoint person director company with name date | |
| 2026-07-12 | AA | accounts | Accounts with accounts type group | |
| 2026-07-09 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-06-26 | TM01 | officers | Termination director company with name termination date | |
| 2026-06-26 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-18 | TM01 | officers | Termination director company with name termination date | |
| 2026-06-18 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-05 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-10 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-09 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-10-09 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-10-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-08 | RESOLUTIONS | resolution | Resolution | |
| 2025-07-08 | SH08 | capital | Capital name of class of shares | |
| 2025-07-08 | MA | incorporation | Memorandum articles |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 17
- Capital events
- 1
- Officers appointed
- 2
- Officers resigned
- 2
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.