TIDMNBSR
RNS Number : 8359R
Newcastle Building Society
03 March 2023
NEWCASTLE BUILDING SOCIETY ANNOUNCES
2022 FINANCIAL RESULTS
Key Highlights
* Good value for savers, paying an average interest
rate of 1.20% versus the rest of market average rate
of 0.66%, equating to around GBP21m more interest
paid to our savers than the market average
* Good value for borrowers, with an average Standard
Variable Rate (SVR) for mortgages 0.42% lower than
the market average, saving our SVR borrowers over
GBP500,000 in interest payments compared to the
market average
* Profit for the year before taxation increased to
GBP31.7m (2021: GBP29.1m)
* Operating profit before impairments and provisions
increased by GBP2.0m to GBP30.5m (2021: GBP28.5m)
* Underlying operating profit of GBP26.7m (2021:
GBP22.0m)
* Record gross mortgage lending for the year at
GBP1.1bn and record net core residential lending at
GBP586m (GBP861m gross and GBP330m net in 2021)
* Opening of a new community branch in Knaresborough,
North Yorkshire, a town recently left with no bank on
its high street
* Development of a new blueprint for branches in
cashless communities by adding a OneBanx multi-bank
transaction kiosk pilot in two of our branches
* Partnership with Citizens Advice Gateshead to provide
Members struggling with the cost of living with a
comprehensive package of support
* Launch of a new employability partnership with armed
forces charity Walking With The Wounded
* Increased colleague numbers by nearly 200 during the
year, creating new job opportunities for the region
* The official opening of NUCASTLE powered by Newcastle
Building Society, a new community hub and home of
Newcastle United Foundation
* Celebration of ten years of support for the Sir Bobby
Robson Foundation, with a decade of donations
totalling over GBP3m
* Development and launch of a new shared ownership
mortgage product to support first time buyers
* Over GBP94m of funds invested for Members through our
advice subsidiary, Newcastle Financial Advisers
Limited
* Customer satisfaction score of 95% (2021: 95%) and
net promoter score (NPS) of +82 (2021: +82)
* Over GBP544,000 in community funding through charity
partnerships, community grants from the Newcastle
Building Society Community Fund at the Community
Foundation and colleague fund raising matches
Awards
* Tyneside and Northumberland Company of the Year -
North East Business Awards
* Tyneside and Northumberland Apprenticeships, Skills
and Training - North East Business Awards
* Excellence and Positive Impact - CIPD North East of
England HR&D Awards
* Best Use of Customer Insight - Engage Awards (highly
commended)
* Best Regional Building Society (for the 6th
consecutive year) - What Mortgage Awards
* Mortgage Product Innovation - Mortgage Finance
Gazette Awards
* Best Building Society for Mortgages Credit Strategy -
Lending Awards
* Four-star Mortgage Provider - Financial Adviser
Service Awards
* Best Small Residential Lender - TMA Mortgage Club
Awards
Chief Executive's Statement
Despite the many challenges emerging in 2022, Newcastle Building
Society responded well. I am sure many of us started the year in
the hope that after all the trauma and disruption of the Covid-19
pandemic, life might gradually return to something much more
familiar as the year progressed.
However, conflict in Europe and the rising cost of living made
it another extremely difficult year for our communities and it
quickly became clear that thoughts of returning to a sense of
normality were misplaced. In September, the mood of the entire
country was saddened by news of the death of HM Queen Elizabeth II.
Then we saw rapid political change and policy reversal cause
uncertainty in financial markets. By the end of the year, the
economy continued to be challenged and households across the
country were facing a difficult winter with the prospect of even
more uncertainty ahead.
Resilience
I'm pleased to report that in such a volatile environment and in
the face of so many new challenges, the Society continued to
demonstrate its resilience and agility, delivering a robust set of
results. The underlying financial performance remains strong with
increased profitability. Group profit before tax was GBP31.7m for
the year ended 31 December 2022, compared to GBP29.1m for 2021. In
addition to positive headlines in our financial performance, we
continue to operate with appropriate levels of capital and
liquidity.
Furthermore, a strong financial performance has enabled the
Group to provide significant support to Members, clients and
colleagues during difficult times. I'm proud that we've made such
progress in delivery of our Purpose, especially around branch
innovation as we seek to keep face-to-face financial services on
the high streets of towns across our region and helping to tackle
wider issues of employability.
Powered by Purpose
Newcastle Building Society has been focused on making a
difference for Members for more than 160 years. Just five years
ago, we took that spirit and commitment shown quite literally over
decades and expressed it in the words we now recognise as our
Purpose statement. With those words, we were propelled forward on
our Purpose-led strategic journey. Our Purpose, 'Connecting our
communities with a better financial future', guides our decision
making, informs our strategic approach and drives our distinct
proposition for our Members. The fact we made such progress through
delivery of Purpose over the past few years, despite all the
challenges of the pandemic, I believe shows the true value of our
interpretation of the mutual model and mindset.
In the course of last year, there were many moments which
highlight the progress we've made on our Purpose journey:
-- We've reacted to the needs of our Members and colleagues as
they face into a cost of living crisis. This has included real and
targeted support to focus on areas of greatest urgency: food
poverty, debt, social isolation, employability, homelessness and
the environment. This progress highlights the maturity of our
Purpose journey, as we move from an organisation which is
Purpose-led to one which is genuinely Powered by Purpose.
-- We're continuing to challenge national assumptions around
high streets. In our view, something has simply got to change when
it comes to the seemingly incessant decline of financial services
provision on our high streets. We know how much customers value and
need face-to-face contact in financial services and we see it as
our responsibility to explore new ways to deliver that service in a
cost effective manner for our customers.
-- We responded to rises in the Bank of England base rate by
increasing our savings rates multiple times and we remained focused
on providing imaginative solutions to help people achieve the dream
of owning their own home.
-- We continue to work with partners such as the Prince's Trust,
Newcastle United Foundation and Walking With The Wounded to tackle
the challenges around employability and opportunity facing young
people in our region. This approach has helped us take the first
steps towards achieving our ambition to recruit 50% of entry level
roles through our skills partnerships by 2025.
-- In August 2022, we announced that the Society had entered
into an exclusivity agreement with Manchester Building Society to
explore the possibility of a merger by way of a transfer of
Manchester Building Society's engagements to Newcastle Building
Society. We have subsequently in February 2023 entered into Heads
of Terms with the expectation that subject to resolutions by the
Boards of both building societies and regulatory approval, a merger
will complete later in the year. Further information is available
on the Society's website.
Supporting customers through difficult times
The rising cost of living is creating very real challenges for
Members and for people across our region, sometimes for people who
may never have expected to find themselves in financial
difficulty.
To help provide meaningful, targeted support we launched a
partnership with Citizens Advice Gateshead to fund the provision of
a dedicated telephone hotline and email service for Members
anywhere in the country who are struggling to manage the additional
pressures. The 'Helping Hand' service enables quick access to
welfare advice experts who are available to discuss financial
concerns, provide guidance on options and even authorise emergency
financial support in the form of supermarket vouchers. Please see
our website (www.newcastle.co.uk) for details on how to access this
cost of living support.
It's difficult to imagine a more important time for people to
have access to financial services, information and advice. Across
each of our branches, through face-to-face appointments, telephone
and video calls, we're interacting thousands of times every day
with our Members and clients, building meaningful relationships
based on trust and warm conversation. This customer focus is
reflected in our customer satisfaction scores, which at the end of
2022 equalled the record high of 95% set in 2021.
Our dedicated online customer panel, 'Connected Communities',
continues to be a rich source of engagement with our Members. In
2022, Member participation in Connected Communities continued,
helping to shape our planning and delivery on a range of topics
through thousands of individual comments and pieces of
feedback.
Members provided valuable insight into our approach to branch
innovation, shared their concerns around the cost of living and
even came up with the name for our Sustainable Living Hub, which
helped us to secure the coveted Engage award for Best Customer
Contact Strategy.
Helping people save and plan their finances
In 2022, we welcomed more than 10,000 new Members to the Society
through our savings product range.
Successive decisions by the Bank of England during 2022 saw the
base rate rise to levels not seen for 14 years. In response, we
increased our variable rate savings book multiple times, continuing
to provide Members with good and consistent value.
During the period January to December 2022, our average savings
book rate of 1.20% was materially higher than the market average of
0.66% (source: CACI) - this equates to around GBP21m more in
interest for our savers.
Our subsidiary, Newcastle Financial Advisers Limited (NFAL),
which provides financial advice across our branch locations,
experienced another strong year providing over 7,500 customer
advice conversations during the year. Demand for accessible,
face-to-face meetings in our branches, on our high streets remains
strong in 2022. To complement and build on this ongoing activity,
we piloted a secure video appointment option.
Customers have demonstrated they value the financial advice
service even more during economic uncertainty and their cost of
living challenges, helping NFAL achieve VouchedFor "Top Rated
Adviser" status and an outstanding customer NPS of +93 (2021:
+91).
Helping people own their own home
In 2022, we also welcomed over 5,600 new mortgage customers to
the Society, helping us to deliver record net core residential
lending of GBP586m (GBP330m in 2021).
In a rising rate environment and with house prices at record
highs, our focus supporting first time buyers and borrowers with
lower deposits was vital, especially as the government's Help to
Buy scheme came to an end.
Our ongoing support for those with a small deposit wanting to
buy a home continued through mortgage support schemes, First Homes
and Deposit Unlock and was enhanced by the launch of a new shared
ownership proposition and enhancements for our Joint Mortgage Sole
Proprietor offer, which extends the choice available to those
looking to buy their own home.
We continue to offer good value to borrowers and throughout 2022
our Standard Variable Rate (SVR) was 0.42% lower than the market
average, saving our average SVR borrowers over GBP500,000.
Creating a new blueprint for branches
We listen to our Members and remain committed to delivering the
services they need. Since starting our Purpose journey five years
ago, some of the most visible impact of our Purpose stems from our
investment into our branch network and our commitment to
maintaining a physical presence in the towns and cities across our
region. We are champions of the high street and believe that
face-to-face service has a critical role to play as a driver of
social and economic wellbeing in our communities.
We believe that too many banks are closing branches and leaving
our high streets and with more and more towns being left with no
permanent financial services presence, something has simply got to
change. In our view, the challenge facing the financial services
industry is not about closing branches, but reimagining them. Over
the past five years, we've demonstrated the effectiveness of our
community branch model. We now have four full service community
branches in our network, in the towns of Knaresborough and Hawes in
North Yorkshire, Yarm in Stockton-on-Tees and Wooler in
Northumberland, showing what can be achieved in a small, shared
space and with innovative application of technology.
Knaresborough opened in 2022 and is our 31(st) branch, located
within the town's library, in partnership with North Yorkshire
County Council.
This expression of our Purpose moved to the next level later in
2022 when, working with fintech partner OneBanx, we launched the
pilot of a multi-bank kiosk in our Knaresborough and Gosforth
branches enabling customers, both personal and small business, of
all banks in the open banking network to pay in and withdraw
cash.
New thinking like this is required if we are to keep vital
access to cash and financial services on our high streets. We have
been proud to work with innovative, like-minded partners who share
our drive and beliefs, to develop this new approach.
We continue to work with North Tyneside Council to progress
plans for another new community branch in Tynemouth library, which
is due to open in 2024.
Savings management
Our subsidiary Newcastle Strategic Solutions Limited manages
savings accounts on behalf of some of the UK's leading savings
providers. A profitable business in its own right, the Solutions'
business also brings scale and the capacity to invest in technology
to the Group, while operating under the same culture and Purpose
principles.
Driven by numerous Bank of England base rate changes and rapidly
rising retail savings rates there was a very large surge of
activity in the savings market in 2022. Our Solutions' clients
reflected what was occurring in the broader market and our activity
levels also reached all-time highs, placing a significant demand on
the operational teams in the second half of the year.
New records were achieved in the number of new accounts opened,
the amount of net balance growth in the year and total balances
under administration.
We continued to deliver a major programme of digital investment
into Solutions across the year. Ongoing work includes the
re-platforming of account opening, funding and account management
functionality, developed with a customer-centric focus across both
app and web channels. Growth in the business meant growing the team
by an additional 120 colleagues during 2022, as we continue to
create jobs and offer outstanding career opportunities in the
region.
The Solutions' business added a new client to its base in
November whilst earlier in the year a major client chose to renew
and extend our already long-term relationship. We launched SME
Business Savings during the year and continue to see strong
interest from others in this particular proposition.
In total, Solutions' clients amassed a total of 20 savings
industry awards across the year and we also celebrated the success
of our Head of Operations, Patsy Legender, who was named "Woman of
the Year" at the Women in Credit Awards.
Building opportunity
Key to the Society's Purpose is our aim to deliver a great place
to work, where people are empowered to realise their true
potential. We do this by providing meaningful careers and
developing talent from a range of different backgrounds.
We want the Society to be a place of work that is inclusive,
diverse and helps drive positive change in our communities. Our
strategic approach sits against wider regional skills challenges
and a lack of opportunity for some to develop their
employability.
To overcome those challenges and play our role in enabling
social mobility, we need to take a fresh approach. By working
collaboratively and imaginatively, we took several big steps in
2022. Recognising the wider need in our region to tackle the skills
challenge, we've ensured that part of the grant giving through the
Newcastle Building Society Community Fund at the Community
Foundation Tyne & Wear and Northumberland has been focused to
support charities helping to boost employability within our
communities. A total of 15 grants were used in this way in
2022.
Working in partnership with Newcastle United Foundation, we've
taken an innovative approach to the delivery of a bespoke
apprentice recruitment programme. Our first 'Customer Service Week'
took place in March 2022, providing apprenticeship candidates with
an authentic and active experience, giving a real sense of
day-to-day life at the Society and the types of role available.
Everyone who completed the week-long programme received a Level 1
qualification and as a direct result, six young people joined the
Society in May as full time Customer Service Apprentices.
In March we were delighted to enter into a brand new
skills-focused partnership with the military charity Walking With
the Wounded. Together we are working to establish meaningful
careers opportunities for Armed Forces veterans through a tailored
programme of support.
Our ambition is to recruit 50% of entry level roles through our
various skills partnerships by 2025, which will only be achieved by
expanding and developing our approach and by responding to the
ever-changing needs of our communities.
Across the Newcastle Building Society Group, almost 1,500
colleagues work at our head office and branch locations as well as
some who are fully remote, an increase of almost 200 over the past
12 months. As part of our participation in the Women in Finance
Charter, in 2020 we set an original target of 40% female
representation in senior positions to be achieved by January 2023.
We exceeded that target by September 2021 (43%) and as of September
2022 we have 47% female representation in senior management roles
across the Group.
We're continuing to deliver a broad package of initiatives
across gender, diversity and inclusion, including the establishment
of our first colleague-led menopause network, which aims to break
some of the taboos around menopause and provide all colleagues with
the information, support and understanding they require.
Given the wider economic conditions we all face, we chose to
support colleagues with their own cost of living and energy price
challenges. This included bringing forward the 2023 pay increase to
October for all colleagues below executive level with an initial
payment of 3%. A further review is planned in March 2023, one month
earlier than the normal annual review date. At the same time, for
all colleagues earning GBP35,000 a year or below, we made a one-off
payment of GBP600, divided into six instalments across the winter
months. As a Real Living Wage employer, we were proud to be an
early adopter of the new benchmark of GBP10.90 as the salary entry
point for the organisation.
We also strengthened our colleague benefits package, subsidising
our head office café so that colleagues can enjoy a well-balanced
meal at a low price; introduced a discount marketplace for everyday
shopping costs; and launched a new healthcare cash plan that
enables colleagues to claim back some of the costs of basic
healthcare expenses.
For those who may be facing severe financial hardship or
struggling with their own household budget, we worked with Citizens
Advice Gateshead to extend the Helping Hand advice helpline to
colleagues as well as customers who find themselves in need of
support. This is in addition to our existing Employee Assistance
programme.
We're committed to supporting colleagues' mental wellbeing. In
May, through our partnership with Newcastle United Foundation, we
became a business champion of their 'Be A Game Changer' campaign.
Being part of the initiative means we can provide all colleagues
with access to their mental health support and resources,
strengthening the existing support provided to Group colleagues
through regular wellbeing initiatives and an active network of
mental health champions.
Progress in this space can be measured by a clear increase in
our eNPS (employee net promoter score) from +43 in 2021 to +58 in
2022, which places us in the top 10% of our survey provider's
financial services client database.
Powering communities
In March 2022 we celebrated a significant milestone at the
official opening of 'NUCASTLE powered by Newcastle Building
Society', a brand new community hub for sports, education and
wellbeing in Newcastle's west end. The building, which is also the
new headquarters of the Newcastle United Foundation, will provide
future generations with life-changing facilities and is expected to
attract more than 100,000 visitors in its first year. We continue
to work with the foundation's team to deliver a range of programmes
including financial education and workplace skills development,
including support for the NU:Futures programme.
Grant giving through the Newcastle Building Society Community
Fund at the Community Foundation Tyne & Wear and Northumberland
continued throughout 2022, with over GBP215,000 in small grant
funding to 76 charities across the North East, North Yorkshire and
Cumbria. The fund was focused to help tackle issues around the
priorities of employability, food poverty, homelessness, debt
management and social isolation, as well as our continuing support
for cancer care services.
In 2022 we celebrated 10 years of support from the Society for
the Sir Bobby Robson Foundation, which includes over GBP3m
donations since the start of our partnership in 2012. To mark a
decade of support, we worked with the foundation and the Newcastle
upon Tyne Hospitals NHS Foundation Trust to create a film that
shares the story of patients taking part in clinical trials. Their
inspiring stories underscore the impact of Sir Bobby's legacy and
are why we are proud to be the largest corporate donor to one of
the most respected charities in our region.
Although the primary focus of our community support is within
our region, sometimes circumstances mean we want to offer help to
those in need - wherever they are. In April we donated GBP25,000 to
the Disaster Emergency Committee (DEC) to help those affected by
the conflict in Ukraine. DEC charities and their local partners are
on the ground in Ukraine and neighbouring countries, providing
food, water, shelter and medical assistance.
Our total community contributions this year, made up of grants,
match funding, and our ongoing partnership donations was over
GBP544,000, support which has positively impacted over 71,000
people of all ages in our region and beyond.
It was pleasing that the return to face-to-face working allowed
the return of high-impact group volunteering activities. In total,
colleagues delivered more than 900 days of support to our
communities. We also continue to use the tech for good 'onHand'
volunteering app to deliver meaningful support to those in need in
our communities.
Summary
I am proud of the way the organisation answered the challenges
we faced in 2022. Across the Group, colleagues repeatedly showed
their resilience and determination and I believe we've made great
progress during difficult times. I'd like to thank all colleagues
for their hard work and for consistently demonstrating their
outstanding commitment to the Society and delivering our Purpose,
and our Members, customers and clients, for their continued and
enthusiastic support. Indications suggest that the wider challenges
of rising costs and global uncertainty driven by the war in Ukraine
will continue through 2023 and beyond. In times like these the
Society has a particularly important role to play in supporting our
Members and their communities, and in delivering a Purpose that is
not only centred on good, consistent financial product value and
excellent service, but also extends to delivering mutual value in
many other ways, to the wider benefit of the Members we serve and
their communities.
After a positive year in 2022, a year in which we built real
momentum in our Purpose delivery, despite the challenging
circumstances, we are well placed to take the Society forward to be
an organisation that is truly powered by our Purpose of 'Connecting
our communities with a better financial future'.
Andrew Haigh
Chief Executive
2 March 2023
NEWCASTLE BUILDING SOCIETY
PRELIMINARY ANNOUNCEMENT
for the year ended 31 December 2022
SUMMARY CONSOLIDATED INCOME STATEMENTS
2022 2021
GBPm GBPm
Interest receivable and similar income
Interest income calculated using effective interest rate 116.6 92.0
Interest income recognised in respect of insurance contracts 11.1 11.9
Net expense on derivatives hedging mortgage assets 3.1 (13.1)
------- -------
Total interest receivable and similar income 130.8 90.8
Interest payable and similar charges (55.4) (31.8)
Net interest income 75.4 59.0
Other income and charges 45.4 45.7
Fair value gains less losses on financial instruments and hedge accounting (1.1) (5.2)
Administrative expenses (83.5) (65.8)
Depreciation and amortisation (5.7) (5.2)
Operating profit before impairments and provisions 30.5 28.5
Impairment reversals on loans and advances to customers 1.6 2.8
Impairment of tangible and intangible assets (0.3) (2.0)
Provisions for liabilities and charges (0.1) (0.2)
Profit for the year before taxation 31.7 29.1
Taxation expense (5.7) (5.2)
Profit after taxation for the financial year 26.0 23.9
======= =======
SUMMARY CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
2022 2021
GBPm GBPm
Profit for the financial year 26.0 23.9
------ ------
Other comprehensive income:
Items that may be reclassified to income statement
Cash flow hedges
Fair value movements recognised in equity (3.7) -
Amounts transferred to the income statement 0.1 -
Tax on net amounts recognised in equity 0.9 -
Financial assets measured at fair value through other
comprehensive income
Fair value changes recognised in equity (2.1) (0.2)
Amounts transferred to the income statement 0.1 -
Tax on net amounts recognised in equity 0.5 0.3
Total items that may be reclassified to income statement (4.2) 0.1
------ ------
Total comprehensive income for the financial year 21.8 24.0
====== ======
SUMMARY CONSOLIDATED BALANCE SHEETS
2022 2021
ASSETS GBPm GBPm
Liquid assets 959.7 956.4
Derivative financial instruments 90.4 14.5
Loans and advances to customers 4,259.5 3,794.5
Fair value adjustments for hedged risk (60.9) 62.1
Investments 2.1 3.9
Intangible assets 10.2 7.5
Property, plant and equipment 29.1 31.0
Non-current assets available for sale 0.2 2.4
Other assets 22.2 26.0
TOTAL ASSETS 5,312.5 4,894.4
======== ========
LIABILITIES
Shares 4,220.8 3,731.8
Fair value adjustments for hedged risk 0.3 -
Deposits and debt securities 752.9 746.7
Derivative financial instruments 52.5 147.6
Other liabilities 20.1 24.2
Subscribed capital 20.0 20.0
Reserves 245.9 224.1
TOTAL LIABILITIES AND EQUITY 5,312.5 4,894.4
======== ========
SUMMARY CONSOLIDATED CASH FLOW STATEMENTS
2022 2021
GBPm GBPm
Net cash inflows / (outflows) from operating activities 102.6 (62.8)
Corporation tax paid (4.6) (4.4)
Cash inflows / (outflows) from operating activities 98.0 (67.2)
-------- --------
Cash outflows from investing activities
Purchase of property, plant and equipment (2.1) (3.7)
Purchase of intangible assets (5.0) (4.0)
Sale of property, plant and equipment 2.4 4.9
Purchase of equity investments (0.3) -
Purchase of investment securities (275.1) (106.6)
Sale and maturity of investment securities 229.8 84.6
-------- --------
Net cash outflows from investing activities (50.3) (24.8)
-------- --------
Cash outflows from financing activities
Interest paid on subscribed capital (2.3) (2.3)
Capital payments for lease arrangements (1.1) (1.0)
Net cash outflows from financing activities (3.4) (3.3)
-------- --------
Net increase / (decrease) in cash 44.3 (95.3)
Cash and cash equivalents at start of year 395.0 490.3
-------- --------
Cash and cash equivalents at end of year 439.3 395.0
======== ========
Summary of key financial ratios 2022 2021
% %
Gross capital as a percentage of shares and borrowings 5.35 5.45
Liquid assets as a percentage of shares and borrowings 19.29 21.36
Profit for the year as a percentage of mean total assets 0.51 0.49
Management expenses for the year as a percentage of mean total assets 1.75 1.45
Notes
1. The financial information set out above, which was approved
by the Board of Directors on 2 March 2023, does not constitute
accounts within the meaning of the Building Societies Act 1986.
2. The financial information for the years ended 31 December
2022 and 31 December 2021 has been extracted from the Accounts for
those years and on which the auditors have given an unqualified
opinion.
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