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Report & Accounts

Our 2015 and 2016 Report & Accounts can be downloaded below.

Pillar 3 Disclosures

In common with all other banks and building societies in the UK, we are subject to the provisions of the Capital Requirements Directive (CRD). The Directive provides rules that determine how much capital we are required to maintain to protect the interests of our customers.

The rules are divided into three pillars, the third of which contains the disclosure requirements of the CRD. We have to prepare and publish a document providing details of the principal business risks we face, the approach to their management and a breakdown of certain elements of the capital allocation as required by the CRD.

To view our Pillar 3 Disclosure, including our Country by Country Reporting (CBCR) disclosure, please download below.