United Trust Bank
Board Analytics Pack
Section 5 — Finance
Income & Capital
February 2026
Net Interest Margin Analysis
NIM Waterfall — February 2026 (£000 monthly / annualised %)
NIM Trend — 13 Months (% annualised)
Interest Rate by Product
| Product | Avg Rate % | Min % | Max % | Cost of Funds % | Net Spread % | Risk-Adj Spread % |
|---|
Net Spread vs Risk-Adjusted Spread by Product (%)
Cost of Funds Breakdown
| Funding Source | Balance £m | % Mix | Rate % | Cost £m pa |
|---|
Funding Mix
Capital Adequacy & Regulatory Position
CET1 / Total Capital Ratio
13.1%
Min requirement: 8.0%
Capital Surplus
£737k
Above 8% minimum
Leverage Ratio
11.3%
Min requirement: 3.0%
Liquidity Coverage (LCR)
142%
Requirement: 100%
| Capital Measure | Amount £m | RWA £m | Ratio | Min Reqt | Headroom | RAG |
|---|
Capital & Efficiency Trends
RWA Growth & Capital Ratio Trend
Cost-to-Income Ratio vs Budget (%)
CFO Narrative — Income & Capital
Covers NIM waterfall, capital adequacy, cost-of-funds and C:I ratio. Edit before printing.