Banking Division Investor presentation
Specialist lender to SMEs and individuals
UK lending on specialised asset types
5 specialist lending areas
Distinctive lending model
Local distribution and strong relationships
Distribution is key to access demand
Providing value through service quality
Strong financial attributes of model
Strong income generation…
…and controlled cost management
Differentiated by consistent financial strength
Disciplined approach to lending…
....upheld by solid lending principles
Business models minimise credit risk
Consistent lending principles
Conservative funding and prudent liquidity
Well positioned to fund future growth
The current credit environment
Growth potential in existing markets
Opportunity for growth in UK market
We remain well positioned for growth