Vanquis Banking Group H2 Earnings Call Highlights

McLaughlin also pointed to strengthened capital following an AT1 issuance in the second half of the year, with the Tier 1 ratio rising to 19.3% . He said the group had achieved five consecutive quarters of book growth and four consecutive quarters of profitability.The group’s net interest margin (NIM) was 16.8% , which management attributed to a planned mix shift toward second charge mortgages. Excluding second charge mortgages, the company said NIM increased by 50 basis points , reflecting pricing discipli ...