COUTTS & COMPANY
Operating as a subsidiary of NatWest Group, the company is a British private bank providing wealth management, lending, and tailored financial services to high-net-worth individuals.
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Cash
—
Latest balance sheet
Net assets
£1.5B
+3.1% vs 2024
Employees
2,347
+0.3% vs 2024
Profit before tax
£346M
+32.1% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-07-02.
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £611,000,000 | £675,000,000 | +10.5% | |
| Fee & commission income | — | £209,000,000 | £245,000,000 | +17.2% | |
| Operating income | — | £882,000,000 | £990,000,000 | +12.2% | |
| Impairment losses | — | -£19,000,000 | £5,000,000 | +126.3% | |
| Profit before tax | £381,000,000 | £262,000,000 | £346,000,000 | +32.1% | |
| Net profit | £294,000,000 | £198,000,000 | £259,000,000 | +30.8% | |
| Loans & advances to customers | — | £18,034,000,000 | £18,642,000,000 | +3.4% | |
| Customer deposits | — | £42,318,000,000 | £42,642,000,000 | +0.8% | |
| Total assets | £55,573,000,000 | £62,860,000,000 | £61,695,000,000 | -1.9% | |
| Total liabilities | — | £61,363,000,000 | £60,151,000,000 | -2% | |
| Equity | £1,618,000,000 | £1,497,000,000 | £1,544,000,000 | +3.1% | |
| Average employees | 2,305 | 2,339 | 2,347 | +0.3% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 39.7% | 29.7% | — | |
| Net margin | 30.7% | 22.4% | — | |
| Gearing (liabilities / total assets) | 97.1% | 97.6% | 97.5% | |
| Current ratio | 0.61x | 0.73x | — | |
| Interest cover | 0.33x | 0.14x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- COUTTS & COMPANY 1892-08-12 → present
- MESSRS COUTTS & COMPANY LIMITED 1892-06-24 → 1892-08-12
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having reviewed the content of these and Coutts' forecasts, projections and other relevant evidence, the directors have a reasonable expectation that Coutts will continue in operational existence for a period of 12 months from the date of this report. Accordingly, the financial statements have been prepared on a going concern basis.”
Group structure
- COUTTS & COMPANY · parent
- Coutts Finance Co. 100%
- RBS Asset Management (Dublin) Limited 100%
- RBS Collective Investment Funds Limited 100%
- RBS Asset Management Holdings 100%
- RBSG Collective Investments Holdings Limited 100%
- RBSG Collective Investments Nominees Limited 100%
- Strand Nominees Limited 100%
- Coutts Scotland Nominees Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 64 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HENDERSON, Neil | Secretary | 2024-10-18 | — | — |
| CRYSTAL, Emma Linnea Mathilda | Director | 2024-07-01 | May 1979 | British |
| LUND, Mark Joseph | Director | 2015-06-01 | Jul 1957 | British |
| MCDONALD PRYER, Patrice | Director | 2025-04-15 | Feb 1969 | Irish |
| MUNRO, Elizabeth Amstutz | Director | 2025-10-01 | Aug 1970 | British |
| RENNISON, Mark Martin | Director | 2025-10-27 | Aug 1960 | British |
| RICHARDS, Anne Helen, Dame | Director | 2025-09-30 | Aug 1964 | British |
| STOTT, Jakob | Director | 2025-04-15 | May 1955 | Danish |
Show 64 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DOYLE, Sally Anne | Secretary | 2000-03-13 | 2016-09-12 |
| ELLIOTT, Mark | Secretary | 2021-03-19 | 2024-10-18 |
| GLENNIE, Gloria Jayne | Secretary | 1998-09-29 | 1999-06-01 |
| HORNE, Christopher Malcolm | Secretary | — | 1996-09-26 |
| LINSLEY, Samantha Helen | Secretary | 1997-07-30 | 1998-09-30 |
| MACKAY, Fiona Mary | Secretary | 2016-09-12 | 2018-12-05 |
| NICHOLSON, Ruth | Secretary | 1999-06-01 | 2000-03-13 |
| RICKS, Ralph Antoine | Secretary | 2018-12-05 | 2021-03-19 |
| STEMMONS, Robert Earl | Secretary | 1996-09-26 | 1997-07-30 |
| ASSHETON, Nicholas, The Hon | Director | — | 1999-05-23 |
| BAINES, John Duncan | Director | 2003-07-21 | 2010-02-28 |
| BAIRD, Marie Claire, Director | Director | 2018-12-05 | 2019-05-21 |
| BARNES, Francesca | Director | 2012-11-01 | 2021-10-31 |
| BOWES LYON, Michael Albemarle | Director | — | 1993-05-28 |
| BOYLAN, Siobhan Geraldine | Director | 2023-09-01 | 2025-07-18 |
| CHILD, Denis Marsden | Director | — | 1997-04-24 |
| CROWE, Brian John | Director | 2004-08-16 | 2008-06-03 |
| CUONI, Jean Pierre | Director | 1993-05-28 | 1994-10-10 |
| DAVIES, Gerald Anthony | Director | — | 1992-12-31 |
| DEAVES, Sarah Jane | Director | 2002-11-20 | 2009-07-01 |
| FARNSWORTH, Ian Ross | Director | 1995-10-01 | 1997-01-29 |
| FARNSWORTH, Ian Ross | Director | — | 1995-06-30 |
| FERGUSSON, Ewen Alastair John, Sir | Director | 1993-05-28 | 1999-06-01 |
| FISHER, Andrew Charles | Director | 2000-06-12 | 2002-02-28 |
| FLAVEL, Peter Gordon | Director | 2016-03-04 | 2023-07-27 |
| FLEMINGTON, Roger | Director | — | 1994-09-13 |
| FROST, Gavin Christopher | Director | 2011-05-19 | 2013-12-31 |
| GOODWIN, Frederick Anderson, Sir | Director | 2001-07-11 | 2007-12-31 |
| HARTZER, Brian | Director | 2010-10-25 | 2012-06-15 |
| HOME, David Alexander Cospatrick, The Earl Of Home | Director | 1999-04-06 | 2013-12-31 |
| HORN, Bernard Philip | Director | — | 1994-11-14 |
| HURD, Douglas Richard, The Rt Hon Lord Hurd Of Westwell | Director | 1998-05-20 | 2009-12-31 |
| JONES, Glyn Parry | Director | 1997-10-30 | 2000-07-03 |
| KYLE, Andrew Richard | Director | 2019-02-21 | 2023-08-01 |
| MACDONALD, David Cameron | Director | — | 1995-05-22 |
| MARSHALL, Stuart Walter | Director | — | 1993-03-31 |
| MCPHAIL, Cameron Ian | Director | 2000-03-06 | 2002-03-25 |
| MIDDLETON, Christopher David | Director | 2002-04-05 | 2002-11-29 |
| MONEY-COUTTS, David Burdett, Sir | Director | — | 1996-05-21 |
| MORLEY, Michael John | Director | 2009-08-14 | 2016-03-06 |
| MOSSELMANS, Carel Maurits | Director | — | 1995-05-22 |
| MULHOLLAND, Brian Martin | Director | 2015-02-23 | 2016-08-22 |
| MYNERS, Paul | Director | 1998-05-20 | 2000-03-06 |
| NEBHRAJANI, Sharmila | Director | 2021-05-28 | 2026-02-27 |
| NEWBOLD, Yvette Monica | Director | 1994-07-22 | 1998-05-20 |
| PELL, Gordon Francis | Director | 2001-07-11 | 2011-12-31 |
| PEYER, Werner Hans | Director | 2000-07-14 | 2002-01-11 |
| POLLARD, Nicholas Guy | Director | 2006-02-15 | 2009-08-31 |
| POST, Herschel | Director | 1995-07-01 | 2000-07-14 |
| RAWLINGSON, James Hedley | Director | 2008-01-14 | 2011-07-01 |
| REGAN, Michael Robert | Director | 2016-11-08 | 2019-01-31 |
| REMNANT, Philip John, The Right Honourable The Lord Remnant | Director | 2022-09-30 | 2025-09-30 |
| ROSE-SLADE, Alison Marie | Director | 2015-10-01 | 2016-03-06 |
| SHELDON, Mark Hebberton | Director | 1996-01-26 | 1998-05-20 |
| SMITH, John, Sir | Director | — | 1993-05-28 |
| SYED, Mohammad Kamal | Director | 2023-07-27 | 2024-08-08 |
| TAPNER, Nicholas Rory | Director | 2010-10-25 | 2015-03-31 |
| TEGNER, Ian Nicol | Director | 1996-01-26 | 1998-05-20 |
| URQUHART, Linda Hamilton | Director | 2017-07-11 | 2025-07-18 |
| WALDEGRAVE, William Arthur, The Rt Hon Lord Of North Hill | Director | 2012-12-03 | 2023-01-01 |
| WAYMARK, Matthew Edward James | Director | 2020-03-09 | 2023-03-09 |
| WENT, David | Director | 1994-07-22 | 1997-11-01 |
| WILLIAMSON, John Alexander | Director | 2001-02-05 | 2002-04-30 |
| WINUP, Kathryn Anne | Director | 2006-02-15 | 2007-12-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| National Westminster Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 347 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-17 | AA | accounts | Accounts with accounts type full | |
| 2026-05-12 | AUD | auditors | Auditors resignation company | |
| 2026-04-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-29 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-14 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-10 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-21 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-21 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-26 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-05-12 | CH01 | officers | Change person director company with change date | |
| 2025-05-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-30 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-30 | AA | accounts | Accounts with accounts type full | |
| 2024-10-25 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-10-24 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-13 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-07 | CH01 | officers | Change person director company with change date | |
| 2024-07-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-18 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 4
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.