BANK OF SCOTLAND PLC
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-05-20 (this month)
Last made up 2025-05-06
Watchouts
None on the register
Accounts
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Accordingly, the directors conclude that the Bank and the Group have adequate resources to continue in operational existence for a period of at least 12 months from the date of the approval of the financial statements and therefore it is appropriate to continue to adopt the going concern basis in preparing the accounts.”
Group structure
- BANK OF SCOTLAND PLC · parent
- Anglo Scottish Utilities Partnership 1 100%
- Automobile Association Personal Finance Ltd 100%
- Bank of Scotland (BGS) Nominees Ltd 100%
- Bank of Scotland Edinburgh Nominees Ltd 100%
- Bank of Scotland Equipment Finance Ltd 100%
- Bank of Scotland Structured Asset Finance Ltd 100%
- Bank of Scotland Transport Finance 1 Ltd 100%
- Bank of Wales Ltd 100%
- Barents Leasing Ltd 100%
- BOS (Shared Appreciation Mortgages (Scotland)) Ltd 100%
Significant events
- “The Group's profit before tax for 2025 was £1,768 million (2024: £1,047 million). This was driven by higher total income partly offset by an increase in operating expenses and a higher impairment charge.”
- “The impairment charge was £254 million, compared to a charge of £91 million in 2024, which benefitted from a large credit from improvements in the Group's economic outlook.”
- “Total assets of £339,589 million increased by £8,505 million (31 December 2024: £331,084 million).”
- “Total liabilities of £323,256 million increased by £8,402 million (31 December 2024: £314,854 million).”
- “Total equity increased by £103 million to £16,333 million (31 December 2024: £16,230 million), with profit for the year partly offset by dividends paid and distributions on other equity instruments.”
- “The Bank's common equity tier 1 (CET1) capital ratio remained at 13.5% (31 December 2024: 13.5%).”
- “The Board approved the Consumer Duty annual report and considered how good customer outcomes remain critical as the Bank focuses on customer experience and differentiation. The Group's proposed acquisition of Curve, a London based fintech operating an innovative digital wallet platform, with a view to accelerating the Group's digital wallet strategy and differentiate customer experience.”
- “During the year the Bank paid cumulative interim dividends of £980 million (2024: £1,050 million). The directors have not recommended a final dividend for the year ended 31 December 2025 (2024: £nil). In February 2026, the directors approved the payment of an interim dividend of £480 million, which was paid on 16 February 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
14 active · 57 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CHEETHAM, Catharine Lucy | Secretary | 2019-07-01 | — | — |
| BENTLEY, Sarah Elise | Director | 2019-01-01 | Aug 1971 | British |
| BOSTOCK, Nathan Mark | Director | 2024-08-01 | Oct 1960 | British |
| BUDENBERG, Robin Francis | Director | 2020-10-01 | May 1959 | British |
| CHALMERS, William Leon David | Director | 2019-08-01 | Jul 1968 | British |
| GILLIGAN, Brendan Edward | Director | 2019-01-01 | Jun 1956 | Irish |
| HINSHELWOOD, Nigel Grant | Director | 2019-01-01 | Feb 1966 | British |
| LEGG, Sarah Catherine | Director | 2019-12-01 | Sep 1967 | British |
| MACKENZIE, Amanda Felicity | Director | 2018-10-01 | Dec 1963 | British |
| MEHTA, Harmeen | Director | 2021-11-01 | Aug 1974 | Indian |
| NUNN, Charles Alan | Director | 2021-08-16 | Sep 1971 | British |
| TURNER, Catherine Lucy | Director | 2022-11-01 | Jun 1963 | British |
| VOGELZANG, Chris | Director | 2025-06-16 | Nov 1962 | Dutch |
| WOODS, Catherine Marie | Director | 2020-03-01 | Sep 1962 | Irish |
Show 57 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BAINES, Harold Francis | Secretary | 2007-09-17 | 2012-08-01 |
| BOSTON, Marc-John | Secretary | 2014-01-01 | 2014-11-02 |
| DAVIES, Claire Anne | Secretary | 2012-08-01 | 2013-12-31 |
| WOOD, Malcolm James | Secretary | 2014-11-03 | 2019-06-30 |
| BERNDT, Wolfgang Christian Georg, Dr | Director | 2009-01-16 | 2010-05-06 |
| BISCHOFF, Winfried Franz Wilhelm, Sir | Director | 2009-09-15 | 2014-04-03 |
| BLACKWELL, Lord (Norman Roy) | Director | 2012-06-01 | 2021-01-01 |
| BLANK, Maurice Victor, Sir | Director | 2009-01-16 | 2009-09-15 |
| BROWN, Ewan | Director | 2009-01-16 | 2009-06-05 |
| COLOMBÁS CALAFAT, Juan | Director | 2013-11-29 | 2020-09-18 |
| COUSINS, Richard John | Director | 2007-09-17 | 2009-01-16 |
| CULMER, Mark George | Director | 2012-05-16 | 2019-08-01 |
| CUMMINGS, Peter Joseph | Director | 2007-09-17 | 2009-01-16 |
| DANIELS, John Eric | Director | 2009-01-16 | 2011-02-28 |
| DAWSON, Joanne | Director | 2007-09-17 | 2009-04-08 |
| DICKINSON, Alan Peter | Director | 2014-09-08 | 2024-05-16 |
| DU PLESSIS, Jan Petrus | Director | 2009-01-16 | 2009-04-17 |
| DUNSTONE, Charles William | Director | 2007-09-17 | 2008-04-29 |
| ELLIS, Michael Henry | Director | 2007-09-25 | 2009-01-16 |
| FAIRBAIRN, Carolyn Julie | Director | 2012-06-01 | 2015-10-31 |
| FREW, Anita Margaret | Director | 2010-12-01 | 2020-05-21 |
| GARRICK, Ronald, Sir | Director | 2007-09-17 | 2009-01-16 |
| GORE-RANDALL, Philip Allan | Director | 2007-09-17 | 2009-04-08 |
| GREEN, Philip Nevill | Director | 2009-01-16 | 2009-10-23 |
| HENRY, Simon Peter | Director | 2014-06-26 | 2020-09-30 |
| HOBSON, Anthony John | Director | 2007-09-17 | 2009-01-16 |
| HODKINSON, Philip Andrew | Director | 2007-09-17 | 2007-12-31 |
| HORN-SMITH, Julian Michael, Sir | Director | 2009-01-16 | 2012-05-17 |
| HORNBY, Andrew Hedley | Director | 2007-09-17 | 2009-01-16 |
| HORTA-OSÓRIO, António Mota De Sousa, Mr. | Director | 2011-01-17 | 2021-04-30 |
| JOHN, Dyfrig Dafydd Joseff | Director | 2014-01-01 | 2016-05-11 |
| JONES, Karen Elisabeth Dind | Director | 2007-09-17 | 2009-01-16 |
| KANE, Archibald Gerard | Director | 2009-01-16 | 2011-05-18 |
| LEITCH, Alexander Park, Lord | Director | 2009-01-16 | 2012-02-29 |
| LUFF, Nicholas Lawrence | Director | 2013-03-05 | 2017-05-10 |
| LUPTON, Lord (James Roger Crompton) | Director | 2017-06-01 | 2024-05-16 |
| MACK, John Edward | Director | 2007-09-17 | 2009-01-16 |
| MANNING, David Geoffrey, Sir | Director | 2009-01-16 | 2009-11-02 |
| MATTHEW, Colin | Director | 2007-09-17 | 2009-01-16 |
| MCCALL, Carolyn Julia | Director | 2009-01-16 | 2009-12-31 |
| MCCONVILLE, Coline Lucille | Director | 2007-09-17 | 2009-01-16 |
| MCWHINNEY, Deborah Doyle | Director | 2015-12-01 | 2018-12-31 |
| MORENO, Glen Richard | Director | 2010-03-01 | 2012-05-17 |
| NEALON, Kathleen Anne | Director | 2007-09-17 | 2009-01-16 |
| PRETTEJOHN, Nicholas Edward Tucker | Director | 2014-06-23 | 2021-09-30 |
| ROBERTS, David Lawton | Director | 2010-03-01 | 2014-05-14 |
| RYAN, Thomas Timothy | Director | 2009-03-01 | 2013-04-18 |
| SCICLUNA, Martin Anthony | Director | 2009-01-16 | 2013-03-31 |
| SINCLAIR, Stuart William | Director | 2016-01-04 | 2022-05-12 |
| STEVENSON, Henry Dennistoun, Lord | Director | 2007-09-17 | 2009-01-16 |
| TATE, George Truett | Director | 2009-01-16 | 2012-02-06 |
| TOOKEY, Timothy James William | Director | 2009-01-16 | 2012-02-24 |
| WATKINS, Daniel John | Director | 2007-09-17 | 2009-04-08 |
| WATSON, Anthony | Director | 2009-04-02 | 2017-05-11 |
| WEIR, Helen Alison | Director | 2009-01-16 | 2011-05-18 |
| WELLER, Sara Vivienne | Director | 2012-02-01 | 2021-05-20 |
| WHEWAY, Jonathan Scott | Director | 2022-08-01 | 2025-10-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Hbos Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 310 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-20 | AA | accounts | Accounts with accounts type group | |
| 2025-10-31 | TM01 | officers | Termination director company with name | |
| 2025-08-05 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-08-05 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-08-04 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-08-04 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-06-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-01 | AA | accounts | Accounts with accounts type group | |
| 2024-08-08 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-15 | AA | accounts | Accounts with accounts type group | |
| 2024-03-26 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-03-26 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-03-26 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-03-26 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-03-26 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-03-26 | MR04 | mortgage | Mortgage satisfy charge full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
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
Latest filed period vs the prior one
Accounts are PDF-filed; numeric extraction for this
statement type (this
accounts) is not yet supported in StatDesk. See the
Companies House filing for the underlying figures.