Financial Ratios Nationwide Building Society

Equities

NBS

GB00BBQ33664

Banks

Market Closed - London S.E. Other stock markets 16:35:06 08/05/2026 BST			5-day change	1st Jan Change
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05-01	UK house prices rise in April despite Iran war headwinds, Nationwide says	RE
04-21	Nationwide Building Society to Fully Redeem Notes in May	MT

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Published financial data: NATIONWIDE BUILDING SOCIETY

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	4.12B	4.5B	8.78B	13.96B	16.01B
Interest Income On Investments	2M	11M	49M	63M	72M
Interest Income, Total	4.12B	4.51B	8.82B	14.02B	16.08B
Interest On Deposits	978M	950M	4.33B	9.58B	11.09B
Interest Expense, Total	978M	950M	4.33B	9.58B	11.09B
Net Interest Income	3.15B	3.56B	4.5B	4.45B	4.99B
Gain (Loss) on Sale of Assets	2M	3M	2M	4M	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	41M	47M	74M	47M	6M
Total Other Non Interest Income	167M	248M	95M	280M	186M
Non Interest Income, Total	210M	298M	171M	331M	192M
Revenues Before Provison For Loan Losses	3.36B	3.86B	4.67B	4.78B	5.18B
Provision For Loan Losses	190M	-27M	126M	112M	632M
Total Revenues	3.17B	3.89B	4.54B	4.67B	4.55B
Salaries And Other Employee Benefits	6M	7M	965M	1.09B	1.3B
Occupancy Expense	-	-	466M	461M	579M
Selling General & Admin Expenses, Total	2.14B	2.17B	815M	825M	1.31B
Total Other Non Interest Expense	88M	56M	11M	520M	1.03B
Non Interest Expense, Total	2.23B	2.24B	2.26B	2.89B	4.23B
EBT, Excl. Unusual Items	932M	1.65B	2.29B	1.78B	326M
Total Merger & Related Restructuring Charges	-	-	-	-	-36M
Asset Writedown	-72M	-53M	-57M	-	-13M
Other Unusual Items	-37M	-	-	-	2.02B
EBT, Incl. Unusual Items	823M	1.6B	2.23B	1.78B	2.3B
Income Tax Expense	205M	345M	565M	476M	-36M
Earnings From Continuing Operations	618M	1.25B	1.66B	1.3B	2.34B
Net Income to Company	618M	1.25B	1.66B	1.3B	2.34B
Minority Interest	-	-	-	-	-34M
Net Income - (IS)	618M	1.25B	1.66B	1.3B	2.3B
Net Income to Common Incl Extra Items	618M	1.25B	1.66B	1.3B	2.3B
Net Income to Common Excl. Extra Items	618M	1.25B	1.66B	1.3B	2.3B
Per Share Items
Net EPS - Basic	58.55	118.61	170.15	142.51	252.57
Basic EPS - Continuing Operations	58.55	118.61	170.15	142.51	252.57
Basic Weighted Average Shares Outstanding	10.56M	10.56M	9.78M	9.12M	9.12M
Net EPS - Diluted	58.55	118.61	170.15	142.51	252.57
Diluted EPS - Continuing Operations	58.55	118.61	170.15	142.51	252.57
Diluted Weighted Average Shares Outstanding	10.56M	10.56M	9.78M	9.12M	9.12M
Normalized Basic EPS	55.18	97.7	146.09	121.68	18.61
Normalized Diluted EPS	55.18	97.7	146.09	121.68	18.61
Dividend Per Share	10.25	10.25	10.25	10.25	10.25
Payout Ratio	27.35	15.1	11.54	14.31	8.12
Supplemental Items
Effective Tax Rate - (Ratio)	24.91	21.6	25.35	26.8	-1.56
Current Domestic Taxes	220M	349M	582M	455M	19M
Total Current Taxes	220M	349M	582M	455M	19M
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-15M	-4M	-17M	21M	-55M
Normalized Net Income	582M	1.03B	1.43B	1.11B	170M
Non-Cash Pension Expense	4M	1M	-22M	-40M	-38M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	6M	7M	-	-	-
Stock-Based Comp., Other (Total)	-	-	6M	7M	15M
Total Stock-Based Compensation	6M	7M	6M	7M	15M

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	17.7B	30.82B	25.96B	24.49B	28.52B
Investment Securities, Total	25.47B	23.88B	26.06B	25.35B	27.54B
Trading Asset Securities, Total	4.76B	2.3B	1.92B	2.97B	2.71B
Mortgage Backed Securities	-	1.59B	1.54B	1.18B	1.12B
Total investments	30.23B	27.76B	29.53B	29.49B	31.37B
Gross Loans	204B	209B	212B	215B	302B
Allowance For Loan Losses	-852M	-746M	-765M	-765M	-1.29B
Net Loans	203B	209B	211B	214B	301B
Gross Property Plant And Equipment	1.98B	1.86B	1.81B	1.74B	-
Accumulated Depreciation	-981M	-997M	-1.07B	-1.08B	-
Net Property Plant And Equipment	1B	862M	742M	654M	761M
Goodwill	12M	12M	12M	12M	12M
Other Intangibles, Total	1.09B	901M	850M	836M	1.47B
Investment in Real Estate	18M	18M	2M	2M	35M
Accrued Interest Receivable	213M	252M	302M	294M	394M
Other Receivables	-	33M	15M	54M	262M
Restricted Cash	1.38B	1.86B	1.94B	1.45B	2.77B
Deferred Tax Assets Long-Term (Collected)	72M	59M	119M	109M	278M
Other Long-Term Assets, Total	382M	1.11B	1.05B	729M	1.12B
Total Assets	255B	272B	272B	272B	368B
Liabilities
Accrued Expenses, Total	301M	292M	328M	398M	1.21B
Interest Bearing Deposits	192B	207B	214B	211B	287B
Non-Interest Bearing Deposits	2.08B	1.84B	1.14B	1.08B	-
Total Deposits	194B	209B	215B	212B	287B
Short-Term Borrowings	9.8B	12.5B	3.6B	3.44B	3.12B
Current Portion of Long-Term Debt	4.07B	6.74B	6.76B	4B	8.89B
Current Portion of Leases	26M	33M	33M	33M	44M
Long-Term Debt	31.67B	27.32B	27.79B	33B	44.79B
Long-Term Leases	236M	210M	192M	139M	271M
Current Income Taxes Payable	7M	-	-	-	-
Accrued Interest Payable	-	1M	17M	45M	-
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	150M	430M	406M	206M	266M
Other Non Current Liabilities	836M	585M	558M	673M	2.2B
Total Liabilities	241B	257B	255B	254B	347B
Common Stock, Total	11M	11M	11M	11M	11M
Additional Paid In Capital	1.32B	1.32B	1.32B	1.32B	1.32B
Retained Earnings	11.14B	12.75B	14.18B	15.12B	17.09B
Treasury Stock	-	-	-101M	-177M	-177M
Comprehensive Income and Other	1.64B	1.61B	1.49B	1.41B	1.48B
Total Common Equity	14.11B	15.7B	16.91B	17.69B	19.72B
Minority Interest	-	-	-	-	759M
Total Equity	14.11B	15.7B	16.91B	17.69B	20.48B
Total Liabilities And Equity	255B	272B	272B	272B	368B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	10.56M	10.56M	9.78M	9.12M	9.12M
ECS Total Common Shares Outstanding	10.56M	10.56M	9.78M	9.12M	9.12M
Book Value / Share	1.34K	1.49K	1.73K	1.94K	2.16K
Tangible Book Value	13.01B	14.79B	16.04B	16.84B	18.24B
Tangible Book Value Per Share	1.23K	1.4K	1.64K	1.85K	2K
Average Assets	-	-	-	-	324B
Total Debt	45.8B	46.81B	38.38B	40.61B	57.12B
Deposits at Interest - Cash	1.01B	603M	320M	674M	1.34B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-172M	-1.01B	-946M	-607M	-892M
Net Debt	23.34B	13.69B	10.5B	13.16B	25.88B
Full Time Employees	18.64K	17.69K	18.1K	18.31K	22.04K
Number Of Offices	-	-	-	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	618M	1.25B	1.66B	1.3B	2.3B
Depreciation, Depletion & Amortization	189M	168M	158M	150M	149M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	57M
Total Depreciation, Depletion & Amortization	189M	168M	158M	150M	206M
Amortization of Deferred Charges, Total	336M	373M	308M	301M	373M
(Gain) Loss On Sale of Asset - (CF)	-2M	-3M	-2M	-46M	-
(Gain) Loss on Sale of Investments - (CF)	79M	-110M	81M	-7M	432M
Total Asset Writedown	148M	-53M	81M	28M	559M
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	3.74B	2B	9.02B	4.9B	3.12B
Other Operating Activities	326M	116M	220M	536M	-1.92B
Cash from Operations	5.43B	3.75B	11.53B	7.17B	5.07B
Capital Expenditure	-96M	-68M	-63M	-85M	-98M
Sale of Property, Plant, and Equipment	23M	20M	21M	4M	8M
Cash Acquisitions	-	-	-	-	7.43B
Purchase / Sale of Intangible Assets	-245M	-210M	-283M	-298M	-303M
Investment in Marketable and Equity Securities, Total	-7.19B	-800M	-1.94B	1.17B	3.74B
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-7.5B	-1.06B	-2.27B	792M	10.77B
Long-Term Debt Issued, Total	-	773M	646M	1.38B	4.16B
Total Debt Issued	-	773M	646M	1.38B	4.16B
Long-Term Debt Repaid, Total	-688M	-27M	-2.23B	-805M	-1.86B
Total Debt Repaid	-688M	-27M	-2.23B	-805M	-1.86B
Issuance of Common Stock	752M	-	-	-	742M
Repurchase of Common Stock	-	-	-101M	-76M	-600M
Repurchase of Preferred Stock	-	-38M	-	-	-
Common Dividends Paid	-165M	-186M	-186M	-175M	-187M
Preferred Dividends Paid	-4M	-3M	-6M	-11M	-
Common & Preferred Stock Dividends Paid	-169M	-189M	-192M	-186M	-187M
Net Increase (Decrease) in Deposit Accounts - (CF)	5.63B	10.03B	-11.98B	-9.16B	-12.98B
Other Financing Activities, Total	-166M	-130M	-260M	-470M	-810M
Cash from Financing	5.36B	10.42B	-14.12B	-9.31B	-11.54B
Foreign Exchange Rate Adjustments	-55M	16M	-10M	-110M	-121M
Net Change in Cash	3.23B	13.12B	-4.87B	-1.46B	4.18B
Supplemental Items
Cash Interest Paid	166M	130M	260M	470M	776M
Cash Income Tax Paid (Refund)	138M	378M	558M	479M	225M
Net Debt Issued / Repaid	-688M	746M	-1.58B	580M	2.3B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.25	0.47	0.61	0.48	0.73
Return On Equity %	4.56	8.4	10.21	7.52	12.25
Return on Common Equity	4.56	8.4	10.21	7.52	12.32
Shareholders Value Added	-1.01B	-537M	-292M	-776M	139M
Margin Analysis
SG&A Margin	67.78	56.11	49.44	50.82	70.12
Net Interest Income / Total Revenues %	99.37	91.64	99.01	95.31	109.67
EBT Excl. Non-Recurring Items Margin %	29.44	42.45	50.32	38.04	7.16
Income From Continuing Operations Margin %	19.52	32.21	36.63	27.84	51.36
Net Income Margin %	19.52	32.21	36.63	27.84	50.62
Net Avail. For Common Margin %	19.52	32.21	36.63	27.84	50.62
Normalized Net Income Margin	18.4	26.53	31.45	23.77	3.73
Asset quality
Nonperforming Loans / Total Loans %	0.94	0.81	0.71	0.78	0.98
Nonperforming Loans / Total Assets %	0.75	0.62	0.55	0.61	0.81
Nonperforming Assets / Total Assets %	0.75	0.62	0.55	0.61	0.81
NPAs / Loans and OREO	0.94	0.81	0.71	0.78	0.98
NPAs / Equity	13.6	10.77	8.88	9.42	14.51
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	44.4	44.12	50.93	45.92	43.34
Allowance for Credit Losses / Total Loans %	0.42	0.36	0.36	0.36	0.43
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	4.97
Interest Expense / Average Assets	-	-	-	-	3.43
Net Interest Income / Average Assets	-	-	-	-	1.54
Non Interest Income / Average Assets	-	-	-	-	0.06
Non Interest Expense / Average Asset	-	-	-	-	1.31
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.38	5.65	5.99	6.36	5.85
Total Average Equity / Total Average Assets %	5.38	5.65	5.99	6.36	5.96
Total Equity + Allowance for Loan Losses / Total Loans %	7.35	7.85	8.33	8.6	6.95
Gross Loans / Total Deposits %	105.14	100.42	98.53	101.07	105.43
Net Loans / Total Deposits %	104.7	100.06	98.18	100.71	104.98
Tier 1 Capital Ratio %	40.5	26.6	29.1	29.5	21.7
Total Capital Ratio %	49.1	31.8	32.7	32.6	23.8
Core Tier 1 Capital Ratio	36.4	24.1	26.5	27.1	19.1
Tier 2 Capital Ratio	8.59	5.13	3.55	3.06	2.15
Coverage Ratio	44.4	44.12	50.93	45.92	43.34
Interbank Ratio	8.45	3.27	3.66	6.28	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.84	2.68	1.52	1.19	1.21
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	11.96	13.22	26.28	-1.07	12.18
Non Interest Income, 1 Yr. Growth %	-8.3	41.9	-42.62	93.57	-41.99
Provision For Loan Losses, 1 Yr. Growth %	-9.09	-114.21	-566.67	-11.11	464.29
Total Revenues, 1 Yr. Growth %	11.87	22.77	16.88	2.77	-2.51
Earnings From Cont. Operations, 1 Yr. Growth %	69.32	102.59	32.91	-21.88	79.85
Net Income, 1 Yr. Growth %	69.32	102.59	32.91	-21.88	77.23
Normalized Net Income, 1 Yr. Growth %	70.38	77.04	32.91	-20.32	-84.78
Diluted EPS Before Extra, 1 Yr. Growth %	68.42	102.59	43.45	-16.24	77.23
Dividend Per Share, 1 Yr. Growth %	0	0	0	0	0
Gross Loans, 1 Yr. Growth %	0.17	2.81	1.31	1.24	41.06
Allowance For Loan Losses, 1 Yr. Growth %	8.4	-12.44	2.55	38.34	64.92
Net Loans, 1 Yr. Growth %	0.14	2.88	1.3	1.14	40.97
Non Performing Loans, 1 Yr. Growth %	6.49	-11.88	-11.18	10.92	78.39
Non Performing Assets, 1 Yr. Growth %	6.49	-11.88	-11.18	10.92	78.39
Total Assets, 1 Yr. Growth %	2.77	6.84	-0.17	0.01	35.21
Total Deposits, 1 Yr Growth %	4.51	7.65	3.24	-1.39	34.97
Tangible Book Value, 1 Yr. Growth %	11	13.63	8.51	4.95	8.34
Common Equity, 1 Yr. Growth %	8.88	11.24	7.69	4.61	11.52
Total Equity, 1 Yr. Growth %	8.88	11.24	7.69	4.61	15.81
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.89	12.59	19.57	11.77	5.35
Non Interest Income, 2 Yr. CAGR %	-15.05	14.08	-9.76	5.39	5.96
Provision For Loan Losses, 2 Yr. CAGR %	29.67	-64.06	-18.57	103.67	123.96
Total Revenues, 2 Yr. CAGR %	1.17	17.2	19.79	9.6	0.1
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.43	85.21	64.09	1.9	18.53
Net Income, 2 Yr. CAGR %	-1.43	85.21	64.09	1.9	17.67
Normalized Net Income, 2 Yr. CAGR %	-0.85	73.68	56.61	1.61	-65.09
Diluted EPS Before Extra, 2 Yr. CAGR %	-1.68	84.72	70.47	9.61	21.84
Dividend Per Share, 2 Yr. CAGR %	0	0	0	0	0
Gross Loans, 2 Yr. CAGR %	0.65	1.48	2.06	1.22	19.41
Allowance For Loan Losses, 2 Yr. CAGR %	13.19	-2.58	-5.24	1.27	52.61
Net Loans, 2 Yr. CAGR %	0.6	1.5	2.09	1.22	19.31
Non Performing Loans, 2 Yr. CAGR %	3.34	-3.13	-11.53	-0.74	40.67
Non Performing Assets, 2 Yr. CAGR %	3.34	-3.13	-11.53	-0.74	40.67
Total Assets, 2 Yr. CAGR %	3.43	4.79	3.28	-0.08	16.32
Total Deposits, 2 Yr CAGR %	4.22	6.07	5.43	0.9	15.38
Tangible Book Value, 2 Yr. CAGR %	4.81	12.31	11.04	6.71	6.63
Common Equity, 2 Yr. CAGR %	3.52	10.05	9.45	6.14	8.01
Total Equity, 2 Yr. CAGR %	3.52	10.05	9.45	6.14	10.07
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.55	6.91	16.98	12.25	11.91
Non Interest Income, 3 Yr. CAGR %	-5.01	0.8	-9.28	16.38	-13.63
Provision For Loan Losses, 3 Yr. CAGR %	21.09	-37.95	-15.52	-16.15	186.06
Total Revenues, 3 Yr. CAGR %	0.25	7.91	17.09	13.82	5.41
Earnings From Cont. Operations, 3 Yr. CAGR %	-6.04	25.33	65.81	28.13	23.14
Net Income, 3 Yr. CAGR %	-6.04	25.33	65.81	28.13	22.54
Normalized Net Income, 3 Yr. CAGR %	-5.55	20.29	61.08	23.98	-45.95
Diluted EPS Before Extra, 3 Yr. CAGR %	-6.2	25.11	69.79	34.52	28.65
Dividend Per Share, 3 Yr. CAGR %	0	0	0	0	0
Gross Loans, 3 Yr. CAGR %	1.98	1.36	1.43	1.75	13
Allowance For Loan Losses, 3 Yr. CAGR %	10.64	3.91	-0.9	-3.53	19.97
Net Loans, 3 Yr. CAGR %	1.95	1.35	1.44	1.77	12.98
Non Performing Loans, 3 Yr. CAGR %	4.12	-2.01	-5.89	-4.6	20.68
Non Performing Assets, 3 Yr. CAGR %	4.12	-2.01	-5.89	-4.6	20.68
Total Assets, 3 Yr. CAGR %	3.65	4.55	3.11	2.18	10.54
Total Deposits, 3 Yr CAGR %	4	5.35	5.12	3.1	11.18
Tangible Book Value, 3 Yr. CAGR %	6.08	7.67	11.03	8.97	7.25
Common Equity, 3 Yr. CAGR %	4.86	6.03	9.26	7.81	7.9
Total Equity, 3 Yr. CAGR %	4.86	6.03	9.26	7.81	9.27
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.39	3.77	8.41	8.83	12.18
Non Interest Income, 5 Yr. CAGR %	-6.51	-4.85	-6.94	2.61	-3.46
Provision For Loan Losses, 5 Yr. CAGR %	18.59	-27.08	3.32	-0.18	24.77
Total Revenues, 5 Yr. CAGR %	-0.82	3.9	7.65	8.58	9.97
Earnings From Cont. Operations, 5 Yr. CAGR %	-8.9	10.59	17.44	15.37	44.98
Net Income, 5 Yr. CAGR %	-8.9	10.59	17.44	15.37	44.56
Normalized Net Income, 5 Yr. CAGR %	-6.31	8.75	15.63	13.38	-13.07
Diluted EPS Before Extra, 5 Yr. CAGR %	-20.04	-2.93	19.12	18.66	48.68
Dividend Per Share, 5 Yr. CAGR %	0	0	0	0	0
Gross Loans, 5 Yr. CAGR %	2.59	2.2	2.01	1.31	8.25
Allowance For Loan Losses, 5 Yr. CAGR %	13.97	11.24	3.99	2.84	10.38
Net Loans, 5 Yr. CAGR %	2.55	2.18	2	1.3	8.24
Non Performing Loans, 5 Yr. CAGR %	-12.54	-11.3	-2.45	-1.5	10.52
Non Performing Assets, 5 Yr. CAGR %	-12.54	-11.3	-2.45	-1.5	10.52
Total Assets, 5 Yr. CAGR %	4.06	4.2	3.5	2.67	8.2
Total Deposits, 5 Yr CAGR %	4.63	5.17	4.57	3.55	9.11
Tangible Book Value, 5 Yr. CAGR %	5.97	8.35	8.04	7.29	9.25
Common Equity, 5 Yr. CAGR %	5.24	7.12	6.67	6.08	8.76
Total Equity, 5 Yr. CAGR %	5.24	7.12	6.67	6.08	9.58