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Latest results – 2022 half year results

These excellent results demonstrate the considerable progress we have made in fulfilling our strategic ambitions. Whilst the UK economy faces headwinds, we have a high quality loan book and we are confident in our momentum.

Nigel Terrington
Chief Executive

Key information

Results Statement

14/06/2022 | Results statement

Available now

Results Presentation

14/06/2022 | Results presentation

Available now

Presentation Replay

14/06/2022 | Presentation replay

Available now

Performance summary

For the six months ended 31 March 2022

£105.5 million

Underlying operating profit*
+27.3% increase
(H1 21: £82.9 million)

£13.9 billion

Net loan book
+8.6% increase
(H1 21: £12.8 billion)

257 basis points

Net interest margin
(H1 21: 232 basis points)

£1.49 billion

New lending
+32.2% increase
(H1 21: £1.13 billion)

£9.9 billion

Savings deposits
+14.2% increase
(H1 21: £8.6 billion)

9.4 pence

Interim dividend per share
+30.6% increase
(H1 21: 7.2 pence)

*For underlying basis, see Appendix A of Half year results announcement

Progress on strategic priorities



18%+ CAGR in new lending since H1 2015 helping more customers than ever before



Commercial lending contribution of £42 million in the first half



Technology change underway to enhance customer experience and support growth


Capital management

Strong internal capital generation capability and liquidity levels



Green mortgage products available for properties with an EPC rating of A-C

Reports and news

Buy-to-let Landlord Report

Urban buy-to-let bounces back

After the pandemic, buy-to-let purchases have grown substantially in urban postcodes

Business Report

Responsible Business Report

Sharing our progress on key environmental, social and governance issues

The SME cost squeeze

Green finance for Somerset scheme

Property Group secures £10 million finance facility utilising Paragon’s Development Finance Green Homes Initiative

Financial calendar

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Full year results

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Q1 trading update

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For enquires about the results

Investors and analysts

Paragon – Nicola Foster and Kathryn Rhinds

0345 849 4003


Headland – Lucy Legh, Del Jones and Charlie Twigg

020 3805 4822