Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).
Virgin Money UK
VMUKCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+0.70% QoQ growth
Total Loan Book
+3.8% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2025-Q4
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 12.70% | 4.30% | $42.8B | $82.2B | +3.8% | +0.70% | 18.0% | 37.0% | 29.0% | 47 |
| 2025-Q3 | 12.60% | 4.30% | $42.5B | $81.6B | +4.3% | +1.00% | 18.0% | 37.0% | 29.0% | 47 |
| 2025-Q2 | 12.50% | 4.20% | $42.1B | $80.9B | +3.9% | +1.20% | 18.0% | 37.0% | 29.0% | 49 |
| 2025-Q1 | 12.40% | 4.20% | $41.6B | $80.1B | +5.0% | +1.50% | 18.0% | 37.0% | 29.0% | 49 |
| 2024-Q4 | 12.20% | 4.10% | $41.0B | $79.2B | +4.9% | +2.00% | 18.0% | 37.0% | 29.0% | 42 |
| 2024-Q3 | 12.40% | 4.20% | $40.2B | $78.2B | +4.8% | +1.80% | 18.0% | 37.0% | 29.0% | 42 |
| 2024-Q2 | 12.60% | 4.30% | $39.5B | $77.3B | +4.9% | +1.80% | 18.0% | 37.0% | 29.0% | 42 |
| 2024-Q1 | 12.80% | 4.40% | $38.8B | $76.4B | +5.0% | +1.80% | 18.0% | 36.0% | 29.0% | 42 |
| 2023-Q4 | 13.00% | 4.50% | $38.1B | $75.5B | +6.8% | +1.90% | 18.0% | 36.0% | 29.0% | 37 |
| 2023-Q3 | 13.20% | 4.60% | $37.4B | $74.6B | +6.7% | +1.60% | 18.0% | 36.0% | 28.0% | 37 |
| 2023-Q2 | 13.40% | 4.70% | $36.8B | $73.7B | +6.6% | +1.70% | 18.0% | 36.0% | 28.0% | 37 |
| 2023-Q1 | 13.60% | 4.80% | $36.2B | $72.8B | +6.4% | +0.80% | 18.0% | 36.0% | 28.0% | 35 |
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Score Breakdown
Live score · base 45 pts +2 macro adj
CET1 12.70% — below active SRT zone
-0.70pp headroom above 8% regulatory floor
Leverage ratio 4.30% — approaching minimum, strong SRT incentive
Loan book grew 3.8% YoY
RWA grew 0.7% QoQ
CRE: 18%, Lev.Loans: 0%, max(Consumer/SME): 37%
No prior SRT deals on record
No prior SRT but capital pressure score 12/40 — high-probability first-time issuer
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +6/20 · global +2 pts