KPMG Building Society Dashboard - Database KPIs 2016

29 Pages·2016·0.57 MB·English

Building society
dashboard
Database KPIs 2016
Version 2.0
December 2016
© 2016 KPMG LLP, a UK limited liability partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. 1
Document Classification: KPMG Public
Table 1: Peer Group Table 2016
Peer Group 1 Peer Group 2 Peer Group 3 Building Society data
Nationwide Monmouthshire Vernon Data is sourced from publicly available information, such
Yorkshire Leek United Loughborough as financial reports.
Coventry Furness Mansfield Our database contains Society KPIs starting from 2010.
Skipton Newbury Bath Investment
2016 data contains Society data from the latest financial
Leeds Ipswich Stafford Railway statements for year-ends of 2015/16.
Principality Hinckley & Rugby Teachers
West Bromwich Darlington Swansea
Newcastle Manchester Chorley & District
Nottingham Market Harborough Buckinghamshire
Cumberland Melton Mowbray Beverley
Progressive Marsden Holmesdale
National Counties Scottish Ecology
Saffron Tipton & Coseley Earl Shilton
Cambridge Hanley Economic Penrith
Harpenden
Dudley
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Document Classification: KPMG Public
Table 2: Total Assets and Shares
Prior Year Group Group Asset Prior Year Society Society Shares
Group Total Assets Society Shares Funding Limit Liquid Assets Ratio
Society Total Assets Growth Shares Growth
£000 £000 % %
£000 % £000 %
Nationwide 195,580,000 208,939,000 6.83 132,373,000 138,715,000 4.79 26.71 12.10
Yorkshire 37,572,000 38,218,600 1.72 27,241,400 27,396,400 0.57 22.50 12.46
Coventry 31,278,300 34,114,400 9.07 23,395,600 25,355,800 8.38 20.00 13.80
Skipton 15,962,100 17,511,400 9.71 11,467,500 12,828,200 11.87 12.22 16.95
Leeds 12,131,200 13,506,600 11.33 9,181,600 9,932,900 8.18 20.50 13.45
Principality 7,265,000 7,584,400 4.40 5,613,000 5,621,800 0.16 18.70 13.90
West Bromwich 5,600,400 5,767,100 2.98 3,988,000 4,385,100 9.96 8.70 17.28
Newcastle 3,736,200 3,445,500 (7.78) 2,973,400 2,678,800 (9.91) 10.29 24.31
Nottingham 3,265,800 3,318,400 1.61 2,575,400 2,433,200 (5.52) 20.90 15.98
Cumberland 1,914,227 2,130,278 11.29 1,521,806 1,613,296 6.01 17.50 15.08
Progressive 1,688,775 1,736,781 2.84 1,517,254 1,516,269 (0.06) 14.31 20.46
National Counties 1,436,461 1,569,416 9.26 939,530 1,089,390 15.95 18.05 25.79
Saffron 1,203,804 1,132,980 (5.88) 952,013 897,571 (5.72) 13.70 23.40
Cambridge 1,156,391 1,123,557 (2.84) 1,016,037 992,905 (2.28) 5.70 22.51
Monmouthshire 1,047,952 1,073,479 2.44 820,556 863,611 5.25 14.46 25.55
Leek United 907,241 890,647 (1.83) 820,490 805,115 (1.87) 2.47 20.81
Furness 881,517 883,155 0.19 704,578 706,809 0.32 12.43 23.61
Newbury 820,756 868,896 5.87 657,003 691,738 5.29 14.70 16.36
Ipswich 601,238 565,122 (6.01) 472,625 465,657 (1.47) 11.60 20.37
Hinckley & Rugby 549,345 570,794 3.90 450,061 468,630 4.13 11.50 17.30
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Document Classification: KPMG Public
Table 2 cont’d: Total Assets and Shares
Prior Year Group Group Asset Prior Year Society Society Shares
Group Total Assets Society Shares Funding Limit Liquid Assets Ratio
Society Total Assets Growth Shares Growth
£000 £000 % %
£000 % £000 %
Market Harborough 419,475 427,416 1.89 344,712 328,609 (4.67) 16.00 17.40
Melton Mowbray 389,818 389,482 (0.09) 310,737 313,851 1.00 11.73 17.13
Marsden 384,139 403,517 5.04 309,889 332,452 7.28 9.16 25.67
Scottish 378,195 388,922 2.84 331,726 342,072 3.12 3.96 28.37
Tipton & Coseley 373,711 363,817 (2.65) 327,365 319,188 (2.50) 2.43 24.88
Hanley Economic 361,441 373,949 3.46 280,713 288,711 2.85 15.69 24.45
Harpenden 301,610 307,333 1.90 267,496 275,296 2.92 3.17 36.85
Dudley 328,460 353,688 7.68 306,706 328,598 7.14 0.87 24.58
Vernon 288,126 299,646 4.00 234,297 247,844 5.78 10.80 23.39
Loughborough 287,425 289,949 0.88 251,894 248,862 (1.20) 6.97 24.77
Mansfield 286,623 314,693 9.79 213,890 228,316 6.74 21.39 21.87
Bath Investment 279,060 292,587 4.85 188,286 198,858 5.61 24.80 23.50
Stafford Railway 261,463 265,317 1.47 221,614 222,807 0.54 9.50 34.74
Teachers 245,215 255,393 4.15 200,728 209,594 4.42 10.90 18.60
Swansea 227,377 231,119 1.65 186,697 188,953 1.21 11.93 27.99
Chorley & District 226,308 215,087 (4.96) 199,171 192,917 (3.14) 1.51 32.36
Buckinghamshire 216,827 205,417 (5.26) 155,201 144,433 (6.94) 22.25 24.14
Beverley 187,486 182,526 (2.65) 145,273 149,253 2.74 11.87 20.59
Holmesdale 165,353 190,391 15.14 128,767 142,742 10.85 18.00 27.00
Ecology 137,868 145,929 5.85 121,526 127,433 4.86 6.47 21.83
Earl Shilton 121,205 123,954 2.27 104,570 105,838 1.21 6.86 28.06
Penrith 95,374 100,076 4.93 83,216 87,792 5.50 1.65 27.31
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Document Classification: KPMG Public
Table 3: Group Profitability Ratios
Total
Group Net Administrative
Group Profit Group Group
Prior Year Group Group Profit Net Interest Interest Total Net Expenses plus
Profit Change for Year/Mean Cost/Income ManEx/Mean
Society Profit for Year for Year Income Margin/Mean Income depreciation
% Assets Ratio Assets
£000 £000 £000 Assets £000 and
% % %
% amortisation
£000
Nationwide 839,000 985,000 17.40 0.49 3,086,000 1.53 3,372,000 1,847,000 54.77 0.91
Yorkshire 147,400 138,500 (6.04) 0.37 534,600 1.41 548,200 346,100 63.13 0.91
Coventry 158,500 171,300 8.08 0.52 363,900 1.11 369,000 137,400 37.24 0.42
Skipton 145,700 113,400 (22.17) 0.68 223,300 1.33 631,500 464,400 73.54 2.77
Leeds 69,400 88,900 28.10 0.69 207,500 1.62 218,900 79,700 36.41 0.62
Principality 52,300 37,700 (27.92) 0.51 134,100 1.81 141,800 83,700 59.03 1.13
West Bromwich 9,200 9,400 2.17 0.17 60,000 1.06 67,200 47,100 70.09 0.83
Newcastle 2,900 3,300 13.79 0.09 27,100 0.75 50,100 38,200 76.25 1.06
Nottingham 13,900 15,400 10.79 0.47 48,000 1.46 58,600 36,900 62.97 1.12
Cumberland 8,905 12,616 41.67 0.62 31,916 1.58 36,208 20,662 57.06 1.02
Progressive 10,217 11,069 8.34 0.65 28,273 1.65 28,875 11,220 38.86 0.66
National Counties 4,674 1,814 (61.19) 0.12 19,034 1.27 16,294 13,040 80.03 0.87
Saffron 2,603 3,252 24.93 0.28 21,388 1.83 21,220 16,796 79.15 1.44
Cambridge 3,270 1,154 (64.71) 0.10 17,280 1.52 18,007 15,635 86.83 1.37
Monmouthshire 4,713 6,375 35.26 0.60 15,116 1.43 15,803 7,960 50.37 0.75
Leek United 2,582 3,600 39.43 0.40 12,168 1.35 13,091 8,135 62.14 0.90
Furness 3,041 2,754 (9.44) 0.31 14,367 1.63 14,131 10,684 75.61 1.21
Newbury 4,818 5,639 17.04 0.67 15,375 1.82 15,543 7,831 50.38 0.93
Ipswich 2,916 1,515 (48.05) 0.26 9,838 1.69 10,135 7,962 78.56 1.37
Hinckley & Rugby 185 320 72.97 0.06 6,162 1.10 6,678 5,920 88.65 1.06
Darlington 2,355 1,202 (48.96) 0.23 9,328 1.75 9,206 7,130 77.45 1.34
Manchester 4,452 (4,874) (209.48) (1.05) 8,548 1.85 9,758 6,841 70.11 1.48
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Document Classification: KPMG Public
Table 3 cont’d: Group Profitability Ratios
Total
Group Net Administrative
Group Profit Group Group
Prior Year Group Group Profit Net Interest Interest Total Net Expenses plus
Profit Change for Year/Mean Cost/Income ManEx/Mean
Society Profit for Year for Year Income Margin/Mean Income depreciation
% Assets Ratio Assets
£000 £000 £000 Assets £000 and
% % %
% amortisation
£000
Market Harborough 1,428 2,262 58.40 0.53 8,203 1.94 8,718 5,557 63.74 1.30
Melton Mowbray 905 1,192 31.71 0.31 5,308 1.36 6,207 4,781 77.03 1.23
Marsden 1,175 915 (22.13) 0.23 5,555 1.41 6,086 4,965 81.58 1.16
Scottish 1,832 1,111 (39.36) 0.29 6,430 1.68 6,522 4,926 75.53 1.28
Tipton & Coseley 2,218 2,314 4.33 0.63 6,259 1.70 6,734 3,892 57.80 1.06
Hanley Economic 660 790 19.70 0.21 5,262 1.43 5,399 3,853 71.37 1.05
Harpenden 1,548 975 (37.02) 0.32 5,808 1.91 6,008 4,493 74.78 1.48
Dudley 981 1,069 8.97 0.31 6,551 1.92 6,896 4,692 68.04 1.53
Vernon 627 970 54.70 0.33 4,999 1.70 5,061 3,671 72.54 1.25
Loughborough 540 501 (7.22) 0.17 4,525 1.57 4,569 3,912 85.62 1.36
Mansfield 1,311 1,572 19.91 0.52 5,841 1.94 5,921 3,693 62.37 1.23
Bath Investment 2,857 3,240 13.41 1.13 7,884 2.76 8,423 3,927 46.62 1.37
Stafford Railway 1,449 1,532 5.73 0.58 3,982 1.51 3,981 1,900 47.73 0.72
Teachers 1,449 1,585 9.39 0.63 4,636 1.85 5,002 3,082 61.62 1.23
Swansea 2,164 2,016 (6.84) 0.88 5,476 2.39 5,376 2,649 49.27 1.15
Chorley & District 1,626 988 (39.24) 0.45 3,736 1.69 4,020 2,854 71.00 1.29
Buckinghamshire 3,448 2,266 (34.28) 1.07 5,913 2.80 5,966 3,031 50.80 1.44
Beverley 614 176 (71.34) 0.10 2,258 1.22 2,285 1,549 67.79 0.84
Holmesdale 52 1,239 2282.69 0.70 3,469 1.95 3,568 2,149 60.23 1.21
Ecology 566 881 55.65 0.62 3,363 2.37 3,364 2,077 61.74 1.46
Earl Shilton 567 622 9.72 0.51 2,485 2.03 2,647 1,807 68.27 1.47
Penrith 119 165 39.08 0.17 1,553 1.59 1,624 1,375 84.70 1.41
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Document Classification: KPMG Public
Table 3 cont’d: Group Profitability Ratios
Mortgage Loss Provisions
Charge/(Credit) for Year Pre-provision Profit Charge/(Credit) for Year/Profit Pre-Provision
Society
£000 £000 %
Nationwide 81,000 1,360,000 5.96
Yorkshire 12,800 186,100 6.88
Coventry (1,900) 229,900 (0.83)
Skipton 8,400 138,500 6.06
Leeds 18,500 117,300 15.77
Principality 4,800 58,100 8.26
West Bromwich 8,100 21,600 37.50
Newcastle 4,600 11,900 38.66
Nottingham 200 20,200 0.99
Cumberland 267 15,672 1.70
Progressive 3,405 17,429 19.54
National Counties 334 2,670 12.51
Saffron (286) 3,825 (7.48)
Cambridge 3 1,500 0.20
Monmouthshire (333) 7,599 (4.38)
Leek United 203 4,719 4.30
Furness (450) 3,047 (14.77)
Newbury 130 7,287 1.78
Ipswich 39 1,865 2.09
Hinckley & Rugby 0 488 0.00
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Document Classification: KPMG Public
Table 3 cont’d: Group Profitability Ratios
Mortgage Loss Provisions
Charge/(Credit) for Year Pre-provision Profit Charge/(Credit) for Year/Profit Pre-Provision
Society
£000 £000 %
Darlington 177 1,895 9.34
Manchester 748 169 442.60
Market Harborough 151 3,087 4.89
Melton Mowbray (338) 1,230 (27.48)
Marsden 210 1,121 18.73
Scottish 116 1,450 8.00
Tipton & Coseley (272) 2,630 (10.34)
Hanley Economic 0 1,018 0.00
Harpenden 100 1,075 9.30
Dudley 230 1,565 14.70
Vernon 61 1,292 4.72
Loughborough (151) 481 (31.39)
Mansfield 29 2,010 1.44
Bath Investment 281 4,496 6.25
Stafford Railway (22) 1,912 (1.15)
Teachers (5) 1,809 (0.28)
Swansea 62 2,610 2.38
Chorley & District (119) 1,166 (10.21)
Buckinghamshire (19) 2,815 (0.67)
Beverley 466 689 67.63
Holmesdale (208) 1,336 (15.57)
Ecology 178 1,252 14.22
Earl Shilton (12) 816 (1.44)
Penrith (7) 249 (2.81)
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Document Classification: KPMG Public
Table 3 cont’d: Group Profitability Ratios
Group Interest Group Interest Payable on Group Interest Group Interest Spread for
Group Interest Receivable on FSRP
Society Receivable/Mean FSRP Individuals Payable/Mean Shares Members
£000
% £000 % %
Nationwide 5,009,000 3.18 1,577,000 1.16 2.02
Yorkshire 1,146,400 3.55 405,200 1.48 2.07
Coventry 944,500 3.36 453,800 1.86 1.49
Skipton 472,000 3.65 214,600 1.77 1.89
Leeds 423,200 4.05 163,700 1.71 2.34
Principality 240,900 4.05 97,900 1.74 2.30
West Bromwich 108,400 2.69 51,500 1.23 1.46
Newcastle 98,200 4.12 49,600 1.76 2.36
Nottingham 99,100 3.70 40,000 1.60 2.10
Cumberland 54,307 3.55 22,183 1.42 2.14
Progressive 52,453 3.82 22,868 1.51 2.32
National Counties 45,334 4.39 21,031 2.07 2.32
Saffron 38,918 4.34 13,432 1.45 2.89
Cambridge 33,260 3.67 14,338 1.43 2.25
Monmouthshire 29,052 3.76 13,576 1.61 2.15
Leek United 22,657 3.30 10,661 1.31 1.99
Furness 24,754 3.65 9,707 1.38 2.28
Newbury 25,947 3.80 9,741 1.44 2.36
Ipswich 18,171 3.95 7,404 1.58 2.37
Hinckley & Rugby 11,729 2.53 5,286 1.15 1.38
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Document Classification: KPMG Public
Table 3 cont’d: Group Profitability Ratios
Group Interest Group Interest Payable on Group Interest Group Interest Spread for
Group Interest Receivable on FSRP
Society Receivable/Mean FSRP Individuals Payable/Mean Shares Members
£000
% £000 % %
Darlington 13,686 3.53 5,510 1.22 2.32
Manchester 12,634 3.85 4,204 1.18 2.67
Market Harborough 12,295 3.59 4,041 1.20 2.39
Melton Mowbray 9,717 3.21 4,746 1.52 1.69
Marsden 10,065 3.40 3,797 1.18 2.22
Scottish 10,717 4.00 5,232 1.55 2.45
Tipton & Coseley 9,933 3.58 4,150 1.28 2.29
Hanley Economic 8,895 3.21 3,362 1.18 2.03
Harpenden 9,033 4.88 4,370 1.61 3.27
Dudley 11,209 4.28 4,841 1.52 2.76
Vernon 7,599 3.54 2,909 1.21 2.33
Loughborough 7,503 3.63 3,533 1.41 2.22
Mansfield 9,595 4.05 3,213 1.45 2.60
Bath Investment 9,503 4.61 2,209 1.14 3.47
Stafford Railway 6,232 3.56 3,047 1.37 2.18
Teachers 7,886 3.70 3,066 1.49 2.21
Swansea 7,388 4.62 2,359 1.26 3.37
Chorley & District 6,877 4.46 3,450 1.76 2.70
Buckinghamshire 8,962 5.56 2,820 1.88 3.68
Beverley 3,829 2.75 1,820 1.24 1.52
Holmesdale 4,868 3.83 1,922 1.42 2.42
Ecology 4,524 4.85 1,721 1.38 3.47
Earl Shilton 3,631 4.13 1,338 1.27 2.86
Penrith 2,490 3.51 1,114 1.30 2.20
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Document Classification: KPMG Public