Strong Revenue Growth
Top line income increased by 11% to GBP 7.2 billion from GBP 6.5 billion year-on-year, driven by stable income streams.
Increased Capital Distribution
Announced a GBP 500 million share buyback due to strong capital generation and a CET1 ratio of 14.1%.
Improved Return on Tangible Equity (RoTE)
Overall RoTE for 2025 upgraded to greater than 11%, with a year-to-date RoTE of 12.3%.
Operational Efficiency Achievements
Achieved GBP 500 million in gross efficiency savings for 2025, one quarter earlier than planned.
Growth in U.K. Lending and Market Share
Mortgages grew balances for the past 5 quarters, with a Q3 net lending of GBP 3.1 billion, the highest since 2021.
U.S. Consumer Bank Performance
Net interest income in the U.S. consumer bank increased 12% year-on-year, reflecting strong operational progress.