Core Viewpoint - Aldermore Group reported a 24% year-on-year decline in profit after tax, amounting to £141.1 million ($190.8 million) for the financial year ending June 30, 2025, primarily due to increased charges related to historical motor finance commissions and the non-recurrence of prior year's impairment provision releases [1][2]. Financial Performance - The group's total income increased by 2%, rising to £600.4 million from £585.8 million in the previous year [2]. - Customer lending rose by 8% over the 12 months, reaching £16.60 billion, up from £15.33 billion the previous year, with growth across all lending segments [4]. - Customer deposits increased by 5%, totaling £17.04 billion, driven by growth in personal savings and corporate deposits [5]. Capital and Liquidity - The CET1 ratio improved to 16.1% before a £125 million dividend, compared to 15.9% the previous year, and after accounting for the expected dividend, the CET1 ratio stood at 14.9%, remaining above the medium-term target range of 13% to 14% [5]. Management Commentary - The CEO highlighted the company's resilient profitability and lending balance growth, along with significant net inflows into savings products, while maintaining a strong capital and liquidity position [2]. - The company emphasized a disciplined approach to cost management and capital allocation to ensure long-term resilience and growth [4].