Arbuthnot Banking Group (ARBB): Loan book contraction
This situation live
ARBB Arbuthnot Banking Group
23 Oct 2025 · Loans down 9% year on year; pricing discipline · −2% until the next step
Instead, we continue to maintain discipline and preserve capital for the future when markets become firmer, and pricing produces acceptable returns for our deployed capital.
26 Mar 2026 · Loans down 6%; capital preserved before Basel 3.1 · −5% until the next step
These reductions were as a result of market conditions and the decision taken not to invest at suboptimal rates and to preserve capital ahead of the implementation of Basel 3.1.
19 May 2026 · Loan book growing again, all segments up · +0% until the next step
Group loan balances grew 3% in the first four months of the year to finish the period at £2,322m with a return to growth across all of the Group's business segments, whilst maintaining its conservativ
21 Jul 2026 · AAG back in profit, £0.8m PBT · −1% since
Customer loans (including leased assets) of £2.45bn (30 June 2025: £2.32bn; 31 December 2025: £2.25bn), an increase of 9% in the first half of the year, and a 6% increase year on year, as lending disc
Loan book contraction
AAG back in profit, £0.8m PBT
Every step · 4
- 23 Oct 2025 Loans down 9% year on year; pricing discipline – Instead, we continue to maintain discipline and preserve capital for the future when markets become firmer, and pricing produces acceptable returns for our... ↗
- 26 Mar 2026 Loans down 6%; capital preserved before Basel 3.1 – These reductions were as a result of market conditions and the decision taken not to invest at suboptimal rates and to preserve capital ahead of the... ↗
- 19 May 2026 Loan book growing again, all segments up – Group loan balances grew 3% in the first four months of the year to finish the period at £2,322m with a return to growth across all of the Group's business... ↗
- 21 Jul 2026 AAG back in profit, £0.8m PBT – Customer loans (including leased assets) of £2.45bn (30 June 2025: £2.32bn; 31 December 2025: £2.25bn), an increase of 9% in the first half of the year, and... ↗
What is happening
Arbuthnot Banking Group: Loan book contraction – AAG back in profit, £0.8m PBT. ['AAG back in profit, £0.8m PBT']
- Announced
- 23 Oct 2025 · Loans down 9% year on year; pricing discipline
- Latest
- 21 Jul 2026 · Loan growth firmly restored, 9% in H1
- What it changes
- Growth recovery is confirmed across loans, deposits and FUMA, but base rate cuts keep profit flat and CET1 fell to 12.0%, so the growth is not yet reaching earnings.
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