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2023 Annual Report and Accounts

Robert East
The Group’s specialist focus means that it is able to work effectively with its customers, supporting them as they respond to the challenging economic environment encountered during the year.

Robert East
Chair of the Board

2023 Annual Report

2023 Annual Report

Sharing progress on our strategic priorities and reporting on our financial and operating performance.

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Strong performance in a dynamic environment

An overview of our key performance highlights

£14.9 billion

(30 September 2022: £14.2 billion)

Total loans and advances to support people and businesses in the UK

£277.6 million

(2022: £221.4 million)

Underlying profit before tax

£180.9 million

Total capital returned to shareholders in 2023


Combined Trustpilot rating awarded by savings customers and buy-to-let customers with newly originated loans 1 May to 30 September 2023


(2021: 87%)

Employee engagement score in 2023 Employee Survey


Reduction in market-based operational emissions compared to 2019 baseline

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Annual General Meeting

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2023 Responsible Business Report

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ESG Resouce Hub

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