Our Group Strategy

We’ve been helping consumers and businesses fulfil their ambitions for over 70 years and our strategy provides a framework to ensure we can successfully carry on doing this for the next 70 years.

Our vision

To be the most trusted specialist lender in the UK

Our purpose

To help more consumers and businesses fulfil their ambitions

Our strategic priorities

Targeted growth for higher returns

Product Expansion

Driving growth through diversification of product offering

Effective Digital Solutions

Scalable, flexible technology enables efficiencies and enhances customer experience

Capital discipline

Capital allocation decisions informed by business credit expertise and data insights

Our new strategic priorities, launched externally in March 2026, outline the next wave of ambitions to drive return on average equity above 16%, supported by annualised growth of c.10%

Product Expansion

Leveraging existing strengths to move into complementary product areas.

Retail Finance: expand into Home Improvements
Business Finance: grow into Bridging and initiate Speciality Finance offering (lending to non-bank lenders)
Savings: build new products and diversify distribution channels

Effective Digital Solutions

Using technology to improve operations for efficiencies and customer experience.

Retail Finance: develop credit eligibility checker
Business Finance: create new digital broker portal for loan submissions and streamline through operational efficiencies
Savings: enhance customer experience and improve customer engagement
Group: underpinned by IT strategy to simplify and digitise operations

Capital Discipline

Strengthened capital base can be deployed into organic growth opportunities.

Leveraging insights and capabilities to make informed, disciplined capital deployment decisions
Growth ambitions delivered at high returns
We will continue to maintain investment discipline and return excess capital to shareholders if appropriate