CSR & Governance
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Alliance & Leicester provides financial services for personal and commercial customers. Services for our 5 million personal customers are managed directly by the Group Chief Executive. Services for our commercial customers – including over 83,000 business banking accounts and £7.3bn of commercial lending – are managed by the Managing Director, Commercial Banking.
We have a network of 250 branches across the UK as well over 2,300 ATMs.
We are also building a network of business centres across the UK. These centres are focused on delivering a personalised service to business customers with a turnover between £1m-£10m.
Our internet and telephone banking operations are fundamental to our business strategy for both retail and commercial customers. We remain committed to maintaining our core customer contact centres in the UK and to ensuring that our customer service is delivered in a simple straight forward manner.
Our ‘direct’ business model enables us to provide banking services at a low unit cost and therefore to offer customers – whether personal or commercial – great value products whilst delivering long term value for our shareholders.
In our Retail Banking business, our competitive product offerings were recognised in 2006 by more than 2,300 ‘best buy’ mentions for our core products and brands in national newspapers, more than any of our competitors.
We also won a number of awards during 2006 for our Retail and Commercial Banking products and services.
We are committed to the principle of treating customers fairly over the complete lifecycle of our relationship with them.
We continue to support the Government initiative to promote financial inclusion in the UK as part of the Universal Banking project. We provide a Basic Bank Account (BBA) for people who need a straightforward account which ensures they can control their finances and which can be used by those claiming benefits to receive direct payments.
The Banking Code Standards Board has recently completed a review to assess the extent to which subscribers (including Alliance & Leicester) who provide Basic Bank Accounts are fulfilling their responsibilities under the Banking Code. A summary of the findings from this review can be downloaded.
Our customers can use the Post Office network to operate their BBA, or any of our personal current account and savings products. Our commercial banking customers can use the Post office for business banking and money transmission services.
Alliance & Leicester is both an ethical and responsible lender. In all our business activities we will not risk the Group’s reputation by knowingly associating with people, organisations, products or transactions which could potentially damage that reputation.