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What we do

We provide a range of banking and financial services, focused primarily on retail and commercial customers. And we work to Help Britain Prosper by creating a more sustainable and inclusive future for people and businesses, shaping finance as a force for good.

Our core business

We operate through three core divisions: Retail, Commercial Banking, and Insurance, Pensions and Investments.

Retail

Retail offers a broad range of financial services products to personal customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions.

Commercial Banking

Commercial Banking serves SMEs as well as corporate and institutional clients. The division provides lending, transactional banking, working capital management, debt financing and risk management services.

Insurance, Pensions and Investments

This division helps customers with their long-term protection, retirement and investment needs through insurance, pensions, investment and wealth management.

Our purpose

We're Helping Britain Prosper by creating a more sustainable and inclusive future for people and businesses, shaping finance as a force for good.

This includes supporting UK businesses and the housing market, helping people with financial resilience and protecting them from fraud, policy work in the interests of our customers, colleagues and shareholders, investing in fintech, and much more. 

 

Financial resilience and inclusion

We want to ensure that as many people as possible, irrespective of their circumstances, have access to a bank account and the necessary support and skills to manage their money.

Enabling financial resilience

Supporting businesses

We're by the side of our business customers to support their ambitions and help them seize opportunities for growth wherever possible.

Supporting businesses

Supporting the housing market

We aspire to contribute to a UK in which everyone has access to affordable, safe and sustainable homes in places they want to live.

Supporting the housing market

Fighting fraud

Helping to keep our customers’ money safe is a top priority for us. We invest tens of millions of pounds every year in the latest technology to protect our customers from fraud.

Fighting fraud

Public affairs and policy

We consider how legislation and regulation will affect our customers, colleagues and shareholders, advising the Government and regulators on the impact industry changes will have.

Public affairs and policy
 

Investing in fintech

The fintech ecosystem is one of the most exciting and dynamic industries in the UK. Our Fintech Investment team is helping to realise the benefits and support the sector to grow. 

Investing in fintech

Find out more about the work we do to Help Britain Prosper.

Social sustainability at the Group