United Trust Bank
Board Analytics Pack
Section 4 — Portfolio
Portfolio Composition
February 2026
Book Stratification by Product
| Division | Loans | Balance £m | % Book | Avg Balance £ | Avg Rate % | Avg Term (mths) |
|---|
Loan Distribution Analysis
By Loan Value Band
By Loan Term Band
By Interest Rate Band
Loan Count Heatmap — Term Band × Product
Darker blue = higher loan count concentration.
| Term Band | Property Finance | Bridging | Mortgages | Asset Finance | Row Total |
|---|
Concentration Risk
| Metric | Value | Limit | Utilisation | RAG |
|---|
Repeat Borrower & Top-Up Analysis
| Product | New | Top-Up | Repeat | Repeat % | Avg Top-Up £ | MoM Δ |
|---|
Repeat Borrower % by Product
Portfolio Narrative — Composition & Concentration
Reviews book stratification, distribution, concentration limits and repeat borrower trends.