Investor Relations
Financial strength underpinned by purpose
Unity Trust Bank is an independent UK business bank dedicated to financing organisations that deliver positive social, economic and environmental outcomes. Since 1984, we have focused exclusively on responsible, sustainable lending to charities, social enterprises, housing providers, SMEs and public sector bodies.
We operate with a double bottom line approach, measuring our success through both financial performance and the meaningful impact created by our lending. We work only with organisations whose values align with our commitment to ethical, transparent and socially conscious banking.
Our 2025 financial highlights
Our financial results reflect a disciplined approach to growth, strong capital management and a clear long term strategy.
£40.8m
Profit after tax (2024: £50.5m)
16.8%
Post-tax return on shareholders’ equity (2024: 25.6%)
24.3%
Year end Common Equity Tier 1 (CET1) ratio of (2024: 24.1%)
226%
Liquidity Coverage Ratio (LCR) of 228% (2024: 228%)
Explore our annual reports and accounts, alongside our Pillar 3 disclosure documents, for detailed information on our performance, financial position and strategic priorities.
Fitch Investment Grade Credit Rating: BBB-
In July 2025, we secured an investment‑grade rating of BBB‑ from Fitch Ratings, reflecting our financial strength and prudent approach to risk.
This recognition highlights our disciplined growth, strong governance, and sustainable financial performance, giving customers confidence that their money is creating positive change with a trusted, investment‑grade institution.
Our 2025 impact highlights
At Unity, financial performance and positive social impact go hand in hand. Through our double bottom line approach, we seek to generate sustainable returns while supporting organisations that strengthen the communities they serve.
1,015
people at risk of homelessness
were supported
43.2%
of lending directed to organisations serving disadvantaged communities
736 homes
and 21 communal spaces supported to decarbonise
87%
of our customers were ‘satisfied’ or ‘extremely satisfied’ with our services
Learn more about how we create measurable impact with our customers by reading our 2025 impact report or visiting out Impact Hub.
Annual Reports and Accounts
In 2025, 53.7% of our lending reached areas facing high deprivation, and we supported more than 11,000 customers. This growth strengthened our ability to deliver meaningful impact in the UK communities that need it most.
For detailed information about our financial performance, please explore our latest financial reports and disclosures:
| Report & Accounts | Pillar 3 Disclosures | Impact Reports |
Corporate Governance
Strong governance supports the long term stability, integrity and accountability of our business. Learn more about our Board, leadership, and the governance framework that guides how we operate.
Our Story
Unity was formed by the idea that finance should create genuine value for people and the planet, not just profit. Today, we remain true to that idea and continue to demonstrate that banking can be a force for good.
Legal & Regulatory
As a UK‑regulated bank, we operate within a strict legal and regulatory framework. Gain access to key documents that set out how we protect customers, safeguard data and meet our regulatory obligations.
Investor enquiries
For investor related enquiries or more information email secretariat@unity.co.uk.
Explore Unity further
Mission, Vision & Values
Meet our Board
UN Sustainable Development Goals
It’s simple, secure and stress-free to switch to us
If you’re ready to switch your Business Current Account to Unity Trust Bank, we’ll make sure it happens like clockwork. The account switch process is guaranteed to take 7 working days or less, and it’s all taken care of by the Current Account Switch Service.