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Close Brothers Group
Close Brothers Group (CBG) investor relations material
Close Brothers Group Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary20 Nov, 2025
Executive summary
Solid start to FY2026 with ongoing cost reduction initiatives and focus on operational efficiency and growth priorities.
Strong capital position maintained, supporting future growth as a specialist banking group.
Continued engagement with the FCA regarding proposed motor finance commission redress scheme.
Financial highlights
Banking business delivered good underlying profitability, supported by a strong net interest margin and stable bad debt.
Loan book decreased 1% in the quarter to £9.4bn, reflecting subdued demand amid external uncertainty.
Annualised year-to-date net interest margin was 7.1%, aided by temporary higher behavioural fee income.
Annualised year-to-date bad debt ratio was 1.0%, indicating resilient credit quality.
Group central functions reported an operating loss of £13.0m (Q1 2025: £14.2m), in line with guidance.
Outlook and guidance
Guidance for FY2026 remains unchanged from the 2025 preliminary results.
Net interest margin expected to be slightly below 7% for FY2026 due to loan book mix.
On track to deliver c.£20m annualised savings in FY2026 and at least c.£20m per annum in the following two years.
Strategy to influence FCA redress methodology
Specific AI/automation cost saving initiatives
Loan book mix impact on FY26 net interest margin?
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Next Close Brothers Group earnings date
H1 202617 Mar, 2026
Close Brothers Group
Next Close Brothers Group earnings date
H1 202617 Mar, 2026
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Frequently asked questions
Close Brothers Group plc is a UK-based merchant banking company that provides a variety of financial services. The company operates through five key segments: Commercial, Retail, Property, Asset Management, and Securities. It offers lending solutions such as asset-based finance, motor finance, and premium finance, alongside wealth management services including retirement planning and investment management. In addition, Close Brothers engages in securities trading through its Winterflood subsidiary, providing execution services to institutional and retail investors. The company is headquartered in London and is listed on the London Stock Exchange.
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