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Virgin Money UK PLC Shs Chess Depository Interests Repr 1 Shs

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Morningstar Rating for Stocks Fair Value Economic Moat Capital Allocation

Progress on Costs Blurred by Acquisition

Business Strategy and Outlook

Virgin Money UK (LSE: VMUK; ASX: VUK) consists of the CYBG business (demerged from National Australia Bank), and the Virgin Money brand in the UK The CYBG merger with Virgin Money UK virtually doubled the size of the bank's loan book and provided a foothold in the larger and faster growing London region. The bank's loan book is split 80% mortgages, 12% business loans, and 8% personal (including cards). We estimate Virgin has under 5% of the mortgage market, with its market share in Scotland and Yorkshire, closer to 10%. In cards, market share is higher at around 8%.

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