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
+2.00% QoQ growth
Total Loan Book
+4.9% 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 · 2024-Q4
Metric History
8 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2024-Q4latest | 12.20% | 4.10% | $41.0B | $79.2B | +4.9% | +2.00% | 18.0% | 37.0% | 29.0% | 20 |
| 2024-Q3 | 12.40% | 4.20% | $40.2B | $78.2B | +4.8% | +1.80% | 18.0% | 37.0% | 29.0% | — |
| 2024-Q2 | 12.60% | 4.30% | $39.5B | $77.3B | +4.9% | +1.80% | 18.0% | 37.0% | 29.0% | — |
| 2024-Q1 | 12.80% | 4.40% | $38.8B | $76.4B | +5.0% | +1.80% | 18.0% | 36.0% | 29.0% | — |
| 2023-Q4 | 13.00% | 4.50% | $38.1B | $75.5B | +6.8% | +1.90% | 18.0% | 36.0% | 29.0% | — |
| 2023-Q3 | 13.20% | 4.60% | $37.4B | $74.6B | +6.7% | +1.60% | 18.0% | 36.0% | 28.0% | — |
| 2023-Q2 | 13.40% | 4.70% | $36.8B | $73.7B | +6.6% | +1.70% | 18.0% | 36.0% | 28.0% | — |
| 2023-Q1 | 13.60% | 4.80% | $36.2B | $72.8B | +6.4% | +0.80% | 18.0% | 36.0% | 28.0% | — |
Score Breakdown
Live score · base 25 pts -5 macro adj
CET1 12.20% — above 12%, no pressure
-0.20pp above 8% regulatory floor
Loan book grew 4.9% YoY
RWA grew 2.0% QoQ
Highest concentration: Consumer at 37.0% — above 30% threshold
No prior SRT deals on record
Live macro signal: UNFAVORABLE (sentiment -10/20) — 3/10 pts
$50B–$500B total assets — ideal SRT candidate size band
Sentiment -10/20 · global -4 pts, asset-class -1 pts (Consumer credit exposure in stressed market)
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