SHAWBROOK BANK LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-04-08 (in 11mo)
Last made up 2026-03-25
Watchouts
None on the register
Cash
£2B
+2.6% vs 2023
Net assets
£3B
+93.7% vs 2023
Employees
1,519
+12.9% vs 2023
Profit before tax
£295M
+2.7% vs 2023
Name history
Renamed 2 times since incorporation
- SHAWBROOK BANK LIMITED 2011-10-17 → present
- WHITEAWAY LAIDLAW BANK LIMITED 1988-02-01 → 2011-10-17
- WHITEAWAY,LAIDLAW & CO.LIMITED 1944-06-29 → 1988-02-01
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £1,153,100,000 | £1,495,900,000 | |
| Operating profit | £287,200,000 | £377,000,000 | |
| Profit before tax | £287,200,000 | £295,000,000 | |
| Net profit | £212,600,000 | £219,800,000 | |
| Cash | £2,188,100,000 | £2,244,700,000 | |
| Total assets less current liabilities | £17,000,900,000 | £19,252,200,000 | |
| Net assets | £1,429,000,000 | £2,768,500,000 | |
| Equity | £1,338,900,000 | £1,582,400,000 | |
| Average employees | 1,346 | 1,519 | |
| Wages | £114,600,000 | £129,700,000 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 24.9% | 25.2% | |
| Net margin | 18.4% | 14.7% | |
| Return on capital employed | 1.7% | 2.0% | |
| Gearing (liabilities / total assets) | 91.7% | 86.0% | |
| Interest cover | 0.51x | 0.47x |
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.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have assessed the prospects of the Group and the Company and their ability to continue as a going concern... The Directors have prepared the financial statements on the going concern basis.”
Group structure
- SHAWBROOK BANK LIMITED · parent
- Bluesone Mortgage Limited 100%
- JBR Auto Holdings Limited 100%
- Genesis Finance Limited 100%
- Cato Finance Limited 100%
Significant events
- “Completion of two further securitisations totalling £1.0 billion of property assets in 2024.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 43 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NICHOLSON, Andrew James | Secretary | 2023-01-24 | — | — |
| CALLENDER, John Dalrymple | Director | 2018-03-08 | Apr 1950 | British |
| CONNOR, Janet | Director | 2022-05-01 | Dec 1964 | British |
| DIDHAM, Andrew | Director | 2017-02-01 | May 1956 | British |
| DUBOURDIEU, Cedric, Mr | Director | 2017-09-05 | Feb 1974 | French |
| GARCIA, Marcelino Castrillo | Director | 2021-06-07 | Oct 1972 | Spanish |
| MCMURRAY, Lindsey Villon | Director | 2011-01-31 | Jan 1971 | British |
| MINTO, Dylan | Director | 2017-02-06 | Aug 1980 | British |
| TU, Thi Nhuoc Lan | Director | 2022-03-10 | Mar 1967 | British |
| TURMORE, Michele Mavis | Director | 2019-10-01 | Sep 1959 | British |
| WEIR, Derek James | Director | 2024-07-01 | Mar 1966 | British |
Show 43 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARMITAGE, Harry Douglas | Secretary | — | 1994-09-14 |
| ARTELL, Nancy Louise | Secretary | 2009-09-01 | 2010-10-29 |
| COWIE, David Edward | Secretary | 2010-11-18 | 2011-01-31 |
| DALTON, Janet | Secretary | 1998-04-01 | 2001-03-26 |
| HOLMES, Colin John | Secretary | 2001-03-26 | 2007-01-31 |
| RENSHAW, William George | Secretary | 1994-09-14 | 1998-03-31 |
| RICHARDSON, Ian Michael | Secretary | 2007-01-31 | 2009-09-01 |
| RUSHBROOK, Daniel James | Secretary | 2011-03-04 | 2023-01-24 |
| ALCOCK, Graham Paul | Director | 2007-04-01 | 2016-06-09 |
| ASHTON, Robin James | Director | 2011-12-01 | 2022-06-30 |
| BARNES, Eric Malcolm | Director | — | 1996-12-11 |
| BURY, David Gordon | Director | 1998-06-17 | 2001-09-06 |
| CORNISH, Iain | Director | 2015-07-06 | 2018-03-08 |
| COWIE, David Edward | Director | 2007-01-31 | 2011-01-31 |
| COWIE, Ian | Director | 2018-07-27 | 2021-06-07 |
| DUDDY, Terence | Director | 2001-09-06 | 2007-01-31 |
| DYSON, Robert William | Director | 2009-05-19 | 2011-01-31 |
| FIELDEN, Nicholas Mark | Director | 2011-06-06 | 2013-10-31 |
| FOX, Robert Trench | Director | — | 2008-04-16 |
| FRASER OF KILMORACK, Richard Michael, The Rt Hon Lord | Director | — | 1994-06-30 |
| GAGIE, David Ronald | Director | 2016-01-01 | 2019-01-31 |
| GEE, Christopher Williamson | Director | 2011-01-26 | 2011-01-31 |
| GRANT, Ian Alfred | Director | 1996-12-11 | 2000-03-31 |
| HARDMAN, Blaise Noel Anthony | Director | — | 2007-01-31 |
| HENDERSON, Ian Arthur | Director | 2012-12-03 | 2014-04-02 |
| HIBBERD, Sally-Ann | Director | 2015-11-05 | 2019-01-31 |
| HILLIARD, Trevor Martyn | Director | 2001-03-26 | 2003-12-21 |
| IVORY, Brian Gammell, Sir | Director | 2011-03-04 | 2015-03-31 |
| JOHNSON, Stephen David | Director | 2015-05-21 | 2018-01-23 |
| LAWRENCE, Paul Joseph | Director | 2015-08-24 | 2025-03-31 |
| LOVERING, Roger Vincent | Director | 2013-01-25 | 2019-08-31 |
| MARTIN, Douglas John | Director | 2008-11-01 | 2011-01-31 |
| MATHEWSON, George Ross, Sir | Director | 2011-03-04 | 2015-07-06 |
| MOTTERSHEAD, John Edward | Director | 1996-04-16 | 2007-08-31 |
| PATEMAN, Stephen James, Chief Executive Officer | Director | 2016-01-01 | 2018-07-27 |
| PUGH, Richard Henry Crommelin | Director | — | 1994-03-31 |
| PYMAN, Richard Anthony | Director | 2014-04-02 | 2015-10-02 |
| RICHARDSON, Ian Michael | Director | 2007-01-31 | 2007-01-31 |
| SMITH, Joseph | Director | 2007-01-31 | 2009-05-19 |
| TYLER, Bruce Charles | Director | 2007-11-12 | 2011-07-21 |
| WEIGH, Peter Langford | Director | — | 2000-09-12 |
| WOOD, Thomas Francis | Director | 2012-10-24 | 2016-06-30 |
| WOODLEY, Owen Pearson | Director | 2011-01-31 | 2012-05-04 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Shawbrook Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 286 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-09 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-05 | SH01 | capital | Capital allotment shares | |
| 2025-04-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-03 | AA | accounts | Accounts with accounts type group | |
| 2025-04-01 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-01 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-08 | AA | accounts | Accounts with accounts type group | |
| 2024-04-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-18 | AA | accounts | Accounts with accounts type group | |
| 2023-06-23 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-04-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-06 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-02-03 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-07-11 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2022-05-05 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2022-05-03 | AP01 | officers | Appoint person director company with name date | |
| 2022-04-25 | AA | accounts | Accounts with accounts type group | |
| 2022-04-05 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2022-03-28 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 1
- Officers appointed
- 0
- Officers resigned
- 0
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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+29.7%
£1,153,100,000 £1,495,900,000
-
Cash
+2.6%
£2,188,100,000 £2,244,700,000
-
Net assets
+93.7%
£1,429,000,000 £2,768,500,000
-
Employees
+12.9%
1,346 1,519
-
Operating profit
+31.3%
£287,200,000 £377,000,000
-
Profit before tax
+2.7%
£287,200,000 £295,000,000
-
Wages
+13.2%
£114,600,000 £129,700,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers