Why we're different
We have a very simple and straightforward business model. We offer our business customers a responsive, flexible and long-term banking relationship. And for our savers we provide a range of attractive products that are consistently competitively priced, regularly appearing in the national ‘best buy’ tables.
We manage our funds prudently, with one of the highest customer deposit-to-loan ratios of any European bank . We don’t rely on the wholesale markets for funding so, unlike many other banks, we have always enjoyed excellent liquidity. We are profitable, have a strong Capital Adequacy Ratio and little exposure to the ‘toxic’ assets or financial instruments blamed for the current turmoil in financial services.
All our customers benefit from being part of a strong, profitable and socially responsible modern bank where the focus is on building relationships. In the business community we have a reputation for providing an outstanding service to SMEs across a range of sectors.