SKIPTON BUILDING SOCIETY financials
SKIPTON BUILDING SOCIETY
Country: GB Reporting currency: GBP Latest annual report: 2025-12-31
LEI:
66AGRETLUXS4YO5MUH35 Financial statements
(GBP, as reported — unscaled; 103 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Revenue | £1.71B | £1.62B |
| Other income | £16.9M | £3.2M |
| Administrative expenses | £1.42B | £1.31B |
| Operating profit (EBIT) | £287.4M | £306.9M |
| Profit before tax | £275.2M | £318.6M |
| Income tax expense | £66.2M | £78.1M |
| Profit for the year | £209.0M | £240.5M |
| — attributable to owners | £208.6M | £240.5M |
| — attributable to NCI | £400.0K | £0 |
| Total comprehensive income | £193.8M | £246.1M |
| Cash flow statement | ||
| Net cash from operating activities | -£187.1M | -£96.2M |
| Net cash from investing activities | £68.1M | -£1.07B |
| Net cash from financing activities | -£485.8M | -£75.9M |
| Lease liability payments | £39.3M | £39.3M |
| Balance sheet | ||
| Total assets | £40.74B | £39.02B |
| Property, plant & equipment | £77.1M | £80.9M |
| Right-of-use assets | £107.0M | £90.4M |
| Intangible assets & goodwill | £377.6M | £311.4M |
| Cash & equivalents | £1.45B | £2.05B |
| Total equity | £2.86B | £2.67B |
| — attributable to owners | £2.86B | £2.67B |
| Non-controlling interests | £3.6M | -£200.0K |
| Deferred tax liabilities | £600.0K | £0 |
| Derived metrics | ||
| Operating margin | 16.8% | 19.0% |
| Net margin | 12.2% | 14.9% |
| Return on equity | 7.3% | 9.0% |
| Cash conversion ratio | -0.90× | -0.40× |
| Other reported items | ||
| Accruals and Deferred Income Including Contract Liabilities | £124.7M | £114.7M |
| Adjustments For Decrease Increase In Loans and Advances To Banks | £27.0M | £169.2M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -£2.46B | -£2.35B |
| Adjustments For Decrease Increase In Other Assets | -£26.5M | -£44.7M |
| Adjustments For Decrease Increase In Trade and Other Receivables | -£10.0M | -£3.4M |
| Adjustments For Depreciation and Amortisation Expense | £68.2M | £70.0M |
| Adjustments For Fair Value Gains Losses | £1.9M | -£18.0M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | £11.7M | -£15.9M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Property Plant and Equipment | £5.6M | £3.1M |
| Adjustments For Increase Decrease In Deposits From Banks | -£1.30B | -£551.6M |
| Adjustments For Increase Decrease In Employee Benefit Liabilities | -£14.4M | -£26.0M |
| Adjustments For Increase Decrease In Other Liabilities | £52.4M | £32.8M |
| Adjustments For Increase Decrease In Trade and Other Payables | £10.0M | £6.8M |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | -£700.0K | -£700.0K |
| Adjustments For Provisions | -£15.8M | -£10.1M |
| Cash and Bank Balances At Central Banks | £1.36B | £1.93B |
| Cash Flows From Used In Operations Before Changes In Working Capital | £418.6M | £389.3M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | £21.8M | £0 |
| Cash Receipts From Repayment of Advances and Loans Made To Related Parties | £0 | £0 |
| Comprehensive Income Attributable To Noncontrolling Interests | £400.0K | £0 |
| Comprehensive Income Attributable To Owners of Parent | £193.4M | £246.1M |
| Current Tax Assets | £200.0K | £3.0M |
| Current Tax Liabilities | £2.3M | £2.7M |
| Debt Instruments Held | £4.27B | £4.35B |
| Debt Securities | £3.36B | £2.44B |
| Deferred Tax Assets | £400.0K | £6.3M |
| Deposits From Banks | £327.2M | £1.60B |
| Deposits From Customers | £2.72B | £2.75B |
| Derivative Financial Assets | £350.8M | £752.1M |
| Derivative Financial Liabilities | £186.2M | £225.1M |
| Equity and Liabilities | £40.74B | £39.02B |
| Fee and Commission Expense | £6.2M | £5.9M |
| Fee and Commission Income | £1.22B | £1.12B |
| Gains Losses On Cash Flow Hedges Before Tax | -£3.4M | -£29.6M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | -£500.0K | £3.7M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | -£5.1M | -£1.0M |
| Income Taxes Paid Refund Classified As Operating Activities | £56.4M | £68.3M |
| Increase Decrease In Cash and Cash Equivalents | -£604.8M | -£1.24B |
| Interest Expense | £1.44B | £1.61B |
| Interest Revenue Expense | £514.9M | £488.4M |
| Investments In Joint Ventures Accounted For Using Equity Method | £13.1M | £11.2M |
| Lease Liabilities | £110.3M | £92.1M |
| Liabilities | £37.88B | £36.35B |
| Loans and Advances To Banks | £353.3M | £414.6M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | £3.7M | £0 |
| Other Adjustments For Noncash Items | -£7.9M | -£5.0M |
| Other Assets | £177.7M | £181.2M |
| Other Comprehensive Income | -£15.2M | £5.6M |
| Other Comprehensive Income Before Tax Change In Value of Foreign Currency Basis Spreads | £1.4M | -£1.2M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -£400.0K | -£1.4M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | £6.0M | -£1.7M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -£18.4M | -£3.7M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | -£400.0K | -£1.4M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | £2.8M | -£23.3M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -£13.3M | -£2.7M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -£1.9M | £8.3M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -£13.3M | -£2.7M |
| Other Income Expense From Subsidiaries Jointly Controlled Entities and Associates | £0 | £0 |
| Other Inflows Outflows of Cash Classified As Investing Activities | -£52.1M | -£41.0M |
| Other Liabilities | £109.3M | £86.6M |
| Other Operating Income Expense | -£12.2M | £11.7M |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | £2.42B | £3.37B |
| Provisions | £32.6M | £31.8M |
| Purchase of Financial Instruments Classified As Investing Activities | £2.27B | £4.40B |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | £6.0M | -£45.9M |
| Reclassification Adjustments On Cash Flow Hedges Net of Tax | £4.3M | -£33.0M |
| Recognised Assets Defined Benefit Plan | £0 | £4.8M |
| Recognised Liabilities Defined Benefit Plan | £7.4M | £8.6M |
| Repayments of Bonds Notes and Debentures | £52.9M | £0 |
| Repayments of Subordinated Liabilities | £350.0M | £0 |
| Reserve of Cash Flow Hedges | £9.8M | £16.6M |
| Reserve of Change In Value of Foreign Currency Basis Spreads | -£400.0K | -£1.4M |
| Reserve of Exchange Differences On Translation | £2.8M | £3.2M |
| Reserve of Gains and Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income | -£6.3M | -£10.6M |
| Revenue From Interest | £1.96B | £2.10B |
| Subordinated Liabilities | £356.0M | £690.2M |
Methodology
Every line item above is a fact tagged in SKIPTON BUILDING SOCIETY's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (GBP), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.