United Trust Bank — Board Analytics Pack
Monthly Board Intelligence Report
Specialist Lending Portfolio · February 2026
Contents
1
Overview
Executive Summary
RAG scorecard · P&L summary · 13-month book trend · product mix · AI narrative
2
Risk
Credit Risk
IFRS 9 stages · DPD arrears aging · ECL waterfall · PD/LGD/EAD · vintage curves · forbearance
3
Growth
Origination & Underwriting
Application funnel · approval by division & borrower band · digital broker channel · credit bureau cost · decision quality
4
Portfolio
Portfolio Composition
Book stratification · value/term/rate bands · term×division heatmap · concentration · repeat borrower analysis
5
Finance
Income & Capital
NIM waterfall · rate by product · cost of funds · capital adequacy · cost-to-income · RWA trend
6
Compliance
Operations & Compliance
Consumer Duty outcomes · SLA performance · FCA DISP complaints log · collections · NBA effectiveness
Regulatory & Audit Scope:
This pack is prepared in accordance with PRA/FCA reporting obligations and the Bank's internal risk management framework.
Provisioning and impairment estimates follow FRS 102, with IFRS 9-aligned staging used for management MI.
Capital ratios are calculated under the standardised approach. Consumer Duty outcome monitoring satisfies the FCA's PS22/9 requirements.
Figures extrapolated from the United Trust Bank Limited Report & Accounts 2025 (FY ending 31 December 2025).