You can download our Articles of Association here.
View our country-by-country reporting and Pillar 3 disclosure documents.
Country-by-country reporting (CBCR)
The Group has prepared the following document in accordance with the Capital Requirements Directive 2013.
Pillar 3 disclosure
In accordance with Pillar 3 requirements as set out in BIPRU11, the Group has prepared the following document.
The document contains information about the Group's capital adequacy, risk assessment and control processes as required by the EU's Capital Requirements Directive.
Effective risk management is crucial to the Group’s ongoing success and is embedded
across the organisation, ensuring key risks are identified and effectively managed.
The Group’s business activities naturally expose it to strategic, financial
and operational risks inherent in the nature of the business it undertakes
and the financial, market and regulatory environments in which it operates.
The Group recognises the importance of understanding and managing
these risks and that it cannot place a cap or limit on all of the risks to
which the Group is exposed. However, effective risk management ensures
that risks are managed to an acceptable level. The Board, through its
Group Risk Committee, is ultimately responsible for the implementation
of an appropriate risk strategy, which has been achieved using an
integrated Risk Management Framework.
The main areas covered by the Risk Management Framework are:
You can view our Committees here.