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Purpose and strategy

Helping our customers to achieve their ambitions is central to our success and this is what drives our purpose and our vision. We have a clear strategy to help us achieve our goals and we have eight important values that underpin our culture and the way we do business.


Our Purpose

To support the ambitions of the people and businesses of the UK by delivering specialist financial services

Our Vision

To become the UK’s leading specialist bank by helping our customers achieve their ambitions and be an organisation of which our employees are proud

Our Strategy

To focus on specialist customers, delivering long-term sustainable growth and shareholder returns through a low risk and robust model

Our Strategic Priorities

Specialisation

Specialisation

Focusing on building strong positions in our chosen markets

Diversification

Diversification

Developing our range of savings and lending products in existing and new markets

Growth

Growth

Seeking opportunities for growth, both organically and through acquisition

Capital management

Capital management

Recycling capital to reinvest in the business and provide shareholder returns

Sustainability

Sustainability

Ensuring our operations have a positive effect on our stakeholders and communities with which we interact

Stakeholders

This approach enables us to create value for all our stakeholders

Shareholders

Shareholders

Creating long-term shareholder value through growing profits and dividends

Customers

Customers

Providing tailored lending products, expertise and working with intermediaries to help our customers achieve their ambitions

Employees

Employees

Helping all our people develop their career and reach their potential

Society

Society

Helping the UK economy grow and supporting the communities in which we operate

Environment

Environment

Continually reducing our environmental impact and designing products that support positive environmental change