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Fixed income investors

Our objective

We follow the “borrow long, lend short” principle and take a conservative approach to liquidity management, with liquidity levels comfortably ahead of both internal risk appetite and regulatory requirements.

Our Treasury function is focused on managing funding and liquidity to support the Banking businesses, as well as interest rate risk. This incorporates our Savings business, which provides simple and straightforward savings products to both individuals and businesses, whilst being committed to providing the highest level of customer service.

Our objective

Sources of funding

Our funding base is well diversified, sourced from both wholesale sectors and customer deposits, and has a prudent maturity profile.

Furthermore, we have a range of secured funding facilities including securitisations of our premium and motor finance loan books.

This diversity increases resilience by reducing reliance on any individual source of funding.

 Close Brothers Group funding sources in £'billions (at 31 January 2024)


Key ratios (as at 31 January 2024)


    Common equity tier 1 capital ratio


    Total capital ratio


    Leverage ratio


    Common equity tier 1 capital ratio


    Total capital ratio

    Have an enquiry? Get in touch

    Sophie Gillingham

    Director of Investor Relations and Corporate Development

    Camila Sugimura

    Head of Investor Relations

    Kimberley Taylor

    Investor Relations Manager

    Ingrid Diaz

    Investor Relations Manager


    For all institutional investor and analyst enquiries please contact Investor Relations at our registered office:

    Close Brothers Group plc
    10 Crown Place
    London EC2A 4FT
    Telephone: 020 7655 3100

    Company Number: 520241