Virgin Money UK proposes debt restructuring

Published 03/06/2025, 08:48
Virgin Money UK proposes debt restructuring

LONDON - Virgin Money (LON:VM) UK PLC has announced a series of consent solicitations to the holders of its outstanding notes, proposing a significant restructuring of its debt. This move comes after the acquisition of Virgin Money by Nationwide Building Society (LON:NBS), which was completed on October 1, 2024.

The proposed restructuring involves the substitution of Virgin Money with Nationwide as the principal debtor under the existing Tier 2 notes, as well as the exchange of all existing senior notes for new senior non-preferred notes to be issued by Nationwide. The consent solicitations, detailed in a memorandum dated today, are not interdependent, meaning the passing of one does not necessitate the passing of others.

The outstanding notes affected by the consent solicitations include £300 million of 2.625% Tier 2 Capital Notes due 2031, £400 million of 4.000% Senior Notes due 2027, €750 million of 4.000% Senior Notes due 2028, €500 million of 4.625% Senior Notes due 2028, and £300 million of 7.625% Senior Notes due 2029.

The purpose of these solicitations is to align the capital structures of Virgin Money and Nationwide, following the acquisition. The Prudential (LON:PRU) Regulation Authority has confirmed that Virgin Money’s externally-held own funds and eligible liabilities will continue to meet the consolidated capital requirements for the group until December 31, 2028, regardless of whether the proposals are implemented.

The proposed changes are expected to result in the alignment of the notes’ ratings with those assigned to Nationwide’s tier 2 notes and senior non-preferred notes, potentially leading to an upgrade by rating agencies. The current ratings for Virgin Money’s existing Tier 2 notes are BBB by Fitch and Baa1 by Moody’s, while the senior notes are rated A-, A3, and BBB by Fitch, Moody’s, and S&P, respectively.

Noteholders who submit their consent by the early instruction deadline of June 16, 2025, will be eligible for an early participation fee, subject to the passing of the extraordinary resolutions and satisfaction of eligibility conditions. The deadline for all voting instructions is set for June 23, 2025, with meetings to be held on June 25, 2025, to pass the required resolutions.

This announcement is based on a press release statement and is intended to provide note holders with the necessary information to make an informed decision regarding the proposed restructuring. Noteholders are encouraged to review the full details in the consent solicitation memorandum and seek independent advice if necessary.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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