Shawbrook Group plc has reported continued growth across its lending markets and deposit base in its trading update for the nine months ended 30th September 2025.
Shawbrook completed its acquisition of ThinCats Group Limited, adding a £0.6bn loan book and expanding its SME lending capability.
The bank also rolled out its proprietary Digital Savings platform to business customers, extending its award-winning savings proposition to SMEs.
In partnership with Hargreaves Lansdown, Shawbrook powered the platform’s first branded cash savings product, reinforcing its role as a specialist banking partner for leading financial platforms.
The group was also admitted to trading on the Main Market of the London Stock Exchange on 4th November 2025, marking a key milestone in its growth strategy.
The group’s loan book grew to £18.25bn, up from £15.93bn at the end of 2024.
The deposit book rose 15% on an annualised basis to £17.58bn.
Credit quality remained stable with a cost of risk of 45bps (FY 2024: 47bps) and an arrears ratio of 1.9% (FY 2024: 1.7%).
Adjusted underlying return on tangible equity was 17.8% (FY 2024: 17.5%).
The CET1 capital ratio stood at 12.6% and the total capital ratio at 15.1%.
Marcelino Castrillo, CEO at Shawbrook, said: “In our first trading update since returning to the public markets, we are pleased to report continued growth across our diversified lending markets and deposit franchise, demonstrating the strength of our business model and disciplined execution.
“We enter the final quarter of 2025 with strong momentum, a resilient balance sheet and a clear strategic focus.
“The Group remains well positioned to continue to enhance our customer proposition, deliver against our medium-term targets and generate attractive, sustainable returns for shareholders.”
