Why will we be better?
We believe it's time for a better kind of bank. And with our acquisition of Northern Rock, we’ve taken a big
step forwards in our ambition to build one. A bank which aims to make everyone better off: our customers,
staff and shareholders, our business partners and the communities we serve.
It's a huge ambition, but one which we believe we have the passion to achieve. Starting afresh gives us the
chance to learn from the mistakes of others. We'll have a clean sheet and we'll start as we mean to go on.




