In its results for the year ending December 2025, its SME loan book totalled £4.4bn, while its real estate loan book came to £7.6bn and the loan book for its retail mortgage brands totalled £6.1bn.
Shawbrook said it originated more than £740m in sustainable finance over the year, bringing the value of sustainable lending since 2023 to over £1.8bn.
It also improved the Energy Performance Certificate (EPC) mix of its owner-occupied and buy-to-let (BTL) portfolios, with properties rated higher than C making up 50.3% and 50.8% of the respective portfolios.
The current EPC coverage for the group’s BTL portfolio is 81%, up from 71% the year before, while the owner-occupied mortgage portfolio rose from 85% to 88%.
Shawbrook’s underlying profit before tax increased by 16% to £340.5m.
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Marcelino Castrillo, chief executive of Shawbrook, said 2025 was “another year of disciplined execution and strategic progress” for the business, as it delivered high-quality growth.
He added: “This performance demonstrates the strength and consistency of the specialist model we have built over the last 15 years. We also completed our IPO, returning Shawbrook to the public markets and the FTSE 250.”
Castrillo said Shawbrook continued to benefit from the scalability of its platform, where investment in technology and data infrastructure allowed it to embed artificial intelligence (AI) across the business.
He added: “AI-enabled tools are supporting core activities including valuation handling, broker engagement and customer support. The knowledge and expertise of our people remain central to our decision-making, but now data and AI can sharpen, accelerate and make those decisions more consistent at scale.”
Castrillo continued: “We enter 2026 with strong momentum and a clear line of sight to delivering our medium-term guidance. With a scalable platform, prudent capital allocation and proven execution, we are well-positioned to continue delivering high-quality growth and returns for shareholders, while supporting our customers and contributing to economic growth across the UK.”
