Full Year Results 2023 full year results (Shawbrook Group PLC) 2023 full year results (Shawbrook Bank Ltd) Presentations Shawbrook Annual Report and Accounts 2023 Investor Presentation Reports Shawbrook Pillar 3 Disclosures 2023 Half Year Results 2023 half year results 2023 half year investor presentation

Full Year Results 2022 full year results (Shawbrook Group PLC) 2022 full year results (Shawbrook Bank Limited) Presentations 2022 full year investor presentation Reports 2022 Pillar 3 Disclosures 2022 TCFD Report 2022 ESG Report Half Year Results 2022 half year results

Full Year Results 2021 full year results (Shawbrook Group PLC) 2021 full year results (Shawbrook Bank Limited) Reports 2021 Pillar 3 Disclosures Half Year Results 2021 half year results

Full Year Results 2020 full year results (Shawbrook Group PLC) 2020 full year results (Shawbrook Bank Limited) Reports 2020 Pillar 3 Disclosures Half Year Results 2020 half year results

Full Year Results 2019 full year results (Shawbrook Group PLC) 2019 full year results (Shawbrook Bank Limited) Reports 2019 Pillar 3 Disclosures Half Year Results 2019 half year results

Full Year Results 2019 full year results (Shawbrook Group PLC) 2019 full year results (Shawbrook Bank Limited) 2018 full year results 2017 full year results 2016 full year results 2015 full year results 2014 full year results 2013 full year results 2012 full year results 2011 full year results Half Year Results 2019 half year results 2018 half year results 2017 half year results 2016 half year results 2015 half year results 2014 half year results Pillar 3 Disclosures 2019 Pillar 3 Disclosures 2018 Pillar 3 Disclosures 2017 Pillar 3 Disclosures 2016 Pillar 3 Disclosures 2015 Pillar 3 Disclosures 2014 Pillar 3 Disclosures 2013 Pillar 3 Disclosures 2012 Pillar 3 Disclosures

Banking for the real world

Shawbrook provides finance to a wide range of customers who value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

Shawbrook is an award-winning specialist bank, providing finance to meet the specific needs of customers across the SME, real estate and consumer sectors.

Our innovative and specialist lending products range from complex structured credit facilities for growth-focused businesses, mortgages for professional landlords and property investors, as well as simple loans for individuals delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to over 350,000 smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.

The members of the Board

The Board is collectively responsible for the effective oversight of the Company and its businesses.

Board members are able to draw on a breadth of experience across a range of disciplines including financial management, regulatory risk, audit, operations, transformation and technology.

John Callender - Chairman

John was appointed to the Board as Chairman in March 2018. John brings extensive financial services experience to the Board, gained through both his Executive and Non-Executive careers.

John has previously served as Non-Executive Director of Aldermore Group plc, Non-Executive Director of Motability Operations plc, Non-Executive Chair of ANZ Bank Europe Ltd for a 10-year term retiring in 2019 and Senior Independent Director and Chair of the Risk Committee of FCE Bank plc retiring in 2020. John also sat on the Regulatory Decisions Committee for the Financial Conduct Authority for 6 years finishing his two statutory terms in January.

Marcelino Castrillo - CEO

Marcelino joined Shawbrook as CEO in June 2021. He brings a wealth of experience in financial services, most recently he was Managing Director, Customer Engagement & Distribution at Natwest Group where he led 9,000 employees through an ambitious transformation programme. Prior to that he held senior roles at RBS and Santander leading Commercial Banking franchises. He started his career at The Boston Consulting Group working across a number of industries and countries. Marcelino holds an MBA from MIT Sloan School of Management, MS Industrial Engineering (ETSII, Madrid) and a Bachelor in Physics (U. Complutense, Madrid).

Dylan Minto - CFO

Dylan joined Shawbrook in 2013 from KPMG where he spent 11 years in their Financial Services practice advising large UK and European banks. Dylan was appointed permanent CFO in February 2017 having been interim CFO from June 2016. He is a Fellow of the ICAEW and holds a dual BA Honours degree in German and Business Studies from Sheffield.

Lindsey McMurray - Non-Executive Director

Lindsey has been a private equity investor for 25 years with a particular focus on the financial services sector. She has a First-Class Honours degree in Accounting and Finance and studied for an MPhil in Finance from Strathclyde University.

Cedric Dubourdieu - Non-Executive Director

Cedric has 20 years of private equity experience, having led a number of investments in a variety of sectors across Europe. He holds a degree from Ecole Polytechnique, Paris.

Paul Lawrence - Independent Non-Executive Director

Paul has considerable experience in financial services having had a successful career within HSBC Group. Paul has particular strengths in managing risk and internal audit across a number of business lines and previously served as a member on the IIA Committee for Internal Audit Guidance for Financial Services.

Andrew Didham - Independent Non-Executive Director

Andrew has extensive financial services experience. He is a qualified accountant, having enjoyed a successful career at KPMG LLP, becoming a partner in 1990, and subsequently as Group Finance Director of the international Rothschild investment banking group.

Michele Turmore - Independent Non-Executive Director

Michele has comprehensive experience in operations, transformation, IT and distribution leadership, with focus on the customer. She has operated across blue chip, mid-scale and start-up entities, including Private Equity backed banks. Most recently Michele held the position of Chief Operating Officer at Allica Limited.

Lan Tu – Independent Non-Executive Director

Lan has deep Financial Services knowledge having held Executive and Non-Executive roles across the sector, including CEO of Virgin Money Investments. Lan started her career in consulting. She has extensive experience in strategy, change management, customer experience, digital and data. Lan currently sits on the Boards of WNS (Holdings) Ltd and King’s College University and is a champion for mental health and wellbeing in the workplace.

Janet Connor - Independent Non-Executive Director

Janet has comprehensive experience in financial services, with a passion for value-based proposition design and excellence in customer delivery. Most recently, she served as a Non-Executive Director of Vanquis Bank Limited, where she chaired the Compliance Committee before assuming the role of Remuneration Committee Chair and Senior Independent Director. She has also previously held Managing Director roles at the AA Group, RSA Group Plc and Rias Plc (a subsidiary of Aegeas).

Our Executive Committee

The Group is led by an established and stable Executive Committee with significant expertise in specialist lending, financial markets, technology and risk management. The Board delegates daily management responsibility for the Group to the Chief Executive Officer who discharges this responsibility through the Executive Committee.

The Executive Committee is responsible for developing and effectively implementing the Group’s strategy and delivering on our purpose by embedding a culture that empowers our people to be personal, practical and creative.

Marcelino Castrillo - CEO

Dylan Minto - CFO

Russ Thornton - Chief Technology Officer

Russ joined Shawbrook as CTO in November 2018. Russ has held a number of high-profile technology leadership roles over his 28 year career, most recently as CTO of the global fintech payments company WorldRemit, and previously as Chief Digital Officer (Interim) for Aegon UK, IT Strategy Director for Legal & General, and CTO for Cofunds. Russ has also been involved in starting up, and selling on, two technology led companies.

Neil Rudge - Head of Enterprise

Neil joined Shawbrook Bank in September 2017, taking on the Managing Director, Business Finance role in August 2018 and Head of Enterprise in 2021. Neil has over 25 years of experience in the banking industry with NatWest Bank, Royal Bank of Scotland and Santander Global Banking & Markets. Since 2003 Neil has held Managing Director level positions across client coverage, sector coverage, real estate finance, structured finance, interest rate derivative and FX sales. In addition, Neil is a Trustee of a social inclusion charity, School of Hard Knocks, and a Non-Executive Director of a Registered Social Landlord, Moat Homes Limited.

Paul Went - Managing Director, Consumer

Paul has worked in consumer financial services for over 15 years, joining Shawbrook in February 2015 from Secure Trust Bank. Paul has held a number of senior roles across product and strategy before becoming Managing Director in October 2018. Paul is passionate about utilising technology and data to build transparent lending products.

Daniel Rushbrook - General Counsel

Daniel qualified as a solicitor in 1995 and worked in commercial private practice in the City for nine years, first with Linklaters LLP then Macfarlanes LLP. In 2004, he became the first in-house lawyer for Commercial First Mortgages Limited, joining its Board as Legal Director a year later. Daniel transferred to Shawbrook in 2011, as part of the Commercial First management team.

Hugh Fitzpatrick - Chief Risk Officer

Prior to joining Shawbrook, Hugh worked in various Credit and Risk roles at GE Capital, the finance arm of General Electric Inc. He joined GE in 2003 and held the following notable roles: Chief Risk Officer for the Factoring and ABL Platforms in Europe; Chief Credit Officer of GE Capital UK; Head of Enterprise Risk; and, most recently, Chief Risk Officer of GE Capital UK.

Debbie Griffin - Chief People & Marketing Officer

Debbie joined Shawbrook as Chief People Officer in May 2016 from SocGen where she was for 5 years; latterly in the position of Head of HR for EMEA. Prior to SocGen Debbie spent time at a number of Financial Institutions including Rabobank, Commerzbank and JP Morgan. She started her career with ICI in the North East.

Arthur Leung - Chief Product Officer

Arthur joined Shawbrook in the newly created role of Chief Product Officer in February 2022. Arthur brings more than 15 years’ product and leadership expertise to Shawbrook, having previously worked across a breadth of leading organisations including fast growth payment card specialist Curve, top-tier consultancies including fintech-focused 11:FS and most recently Advent International where he led the digital product and engineering team.

Sue Saville - Customer Operations and Service Support Director

Sue joined Shawbrook in June 2017 as Commercial Director for Business Finance and took on her current role as Customer Operations and Service Support Director for the Enterprise business in February 2023. Sue has 39 years experience in the financial services industry largely with NatWest Bank and Royal Bank of Scotland where since 2007 she held divisional COO positions. Prior to joining Shawbrook she also worked as an independent consultant for a five year period, working with clients to build complex transformational programmes and deliver change leadership initiatives.

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Financial performance

We are required under the Capital Requirements (Country-by-Country Reporting) Regulations 2013 to disclose certain information for each country in which we operate. Shawbrook Bank Limited is based solely in the UK, therefore all information for the UK is contained in our 2022 Annual Report and Accounts.