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Strategy

Our strategy is driven by our purpose and helps us achieve our vision to become the UK’s leading, technology-enabled specialist bank and an organisation of which our employees are proud. We focus on five strategic priorities to help us deliver our strategy. These are supported by three strategic pillars and eight values that underpin our culture and the way we do business.


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

Growth

Growth

Growing our lending in specialist segments of the market where customers are underserved by the large, high street banks

Diversification

Diversification

Continually developing our range of savings and specialist lending products in both existing and new markets, organically and through acquisition

Capital management

Capital management

Management of capital is a critical lever as we invest to grow our business and people

Specialisation

Digitalisation

Implementing sophisticated, digitally enabled, cloud-based platforms which enable us to deliver outstanding customer service, become more efficient, support decision making and address new markets

Sustainability

Sustainability

Reducing the impact our operations have on the environment and ensuring we have a positive effect on our stakeholders and communities

Strategic Pillars

Customer focus

A customer-focused culture

Expert knowledge and experience, supported by proprietary insight, data and analytics ensuring a deep understanding our specialist customers and market

Teamwork

A dedicated team

An experienced, skilled and engaged workforce, and a unique culture underpinned by eight values

Strong foundations

Strong financial foundations

Prudentially strong, with a low-risk approach to lending

Stakeholders

This approach enables us to engage openly and create value for 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

Regulators

Regulators

Engaging transparently and openly with regulators to ensure we comply with current legislation and maintain a reputation for high standards of business conduct

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

Business partners

Business partners and suppliers

Treating our suppliers fairly and working together responsibly to support our customers