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Jude Bank today Monday 12 October 2026 · close of business 11 OctWithin appetite 14 of 16 synthetic
Deposits£4.82bn▲ 1.2% m/m
Lending£3.91bn▲ 0.9% m/m
Net interest margin2.94%▼ 3 bps q/q
LCR168%appetite ≥ 130%
NSFR131%appetite ≥ 110%
CET1 ratio15.2%MDA + 3.1 pts
Arrears 30+1.38%▲ 6 bps m/m
Complaints · 8 wks214▼ 11% · FOS 9
Deposits vs lending■ deposits ■ lending · 13 months
Arrears by book£3.91bn · 30+ and 90+ days
| Book | Balance | 30+ | 90+ | Trend |
|---|---|---|---|---|
| Owner-occupied mortgages | £2.14bn | 0.62% | 0.21% | flat |
| Buy-to-let | £612m | 0.88% | 0.34% | flat |
| Personal loans | £388m | 2.41% | 1.12% | ▲ rising |
| Credit cards | £296m | 3.06% | 1.58% | ▲ rising |
| Overdrafts | £84m | 4.12% | 2.20% | ▲ rising |
| SME loans | £271m | 1.94% | 0.97% | flat |
| Asset finance | £118m | 1.21% | 0.48% | flat |
| Bounce Back legacy | £12m | 9.40% | 6.85% | ▲ rising |
Alerts11 open · 2 critical
| Level | Alert | Source | Age | Owner |
|---|---|---|---|---|
| Critical | Mule ring R-17 · 7 accounts · £184k | Fraud | 18m | You |
| Critical | CHAPS queue above 40 payments | Payments | 22m | Ops desk |
| High | Card arrears 30+ above early warning | Credit risk | 1h | J. Okafor |
| High | EUR nostro short vs forecast · €4.1m | Treasury | 1h | Treasury |
| High | PRA110 validation · 3 warnings | Reg reporting | 2h | R. Gallagher |
| High | Complaint FOS referral · CMP-55201 | Complaints | 3h | B. Llewellyn |
| Medium | Bacs input file 2 of 3 late | Payments | 3h | Ops desk |
| Medium | Model JFI-7 drift · PSI 0.11 | Model risk | 4h | D. Szabo |
| Medium | KYC refresh backlog 312 | Onboarding | 5h | L. Haddad |
| Medium | Savings outflow 0.4% day | Treasury | 6h | Treasury |
| Low | Statement run ST-3105 · 18 bounced emails | Ops | 7h | Ops desk |
Tasks11 · 3 due today
| Task | Due | Owner |
|---|---|---|
| Sign PRA110 September | 21 Oct | You |
| Approve rate change RC-0412 | Today | You |
| Review FC-2026-10418 SAR | Today | You |
| ALCO pack · liquidity section | 15 Oct | You |
| Credit committee · 3 referrals | 14 Oct | Credit |
| Consumer Duty board report Q3 | 31 Oct | Compliance |
| Recovery plan test | 6 Nov | Risk |
| Close recon break RB-2207 | Today | Finance |
| MLAR Q3 sign-off | 28 Oct | You |
| Vulnerable customer review · 14 cases | 16 Oct | Ops |
| ICAAP refresh kick-off | 3 Nov | Risk |
Approvals waiting 10 · 3 need you first2 approvers
PR
RC-0412 · Easy Access Saver 3.60% → 3.85%Products · 412,880 accounts · £6.0m/yr cost
£6.0mCR
Credit APP-77310 · £48,000 over mandatePersonal loan · score 712 · referral
£48kFC
SAR FC-2026-10418 to UKFIURing R-17 · 7 subjects · second approver
£184kPY
CHAPS out · Halden Holdings LtdAbove £250k single-payment limit
£1.2mCO
Write-off · 46 card accountsCollections batch WO-1029
£212kLM
Limit raise · FPS outbound per hour£40m → £55m · payday
£55mFB
Forbearance · 3-month payment holidayMortgage · vulnerable customer
£2.9kCX
Fee refund · overdraft chargesComplaint CMP-55187 · Consumer Duty
£186PR
New product · Fixed Saver 18m 4.05%Fair value assessment attached
DraftMR
Model JFI-7 threshold 0.90 → 0.88Model risk · back-test signed
RuleRisk appetite16 metrics · 2 flagged
| Liquidity coverage | in | |
| Net stable funding | in | |
| CET1 headroom | in | |
| Leverage ratio 5.4% | in | |
| Unsecured lending share | in | |
| Fraud losses vs budget | near | |
| Card arrears vs trigger | trigger | |
| Large exposures | in | |
| Interest rate risk · EVE | in | |
| Operational losses | in | |
| Sector concentration | in |
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