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‘Knowing where you are is a good place to start.’









                                                            TSB Bank Founded in 2013
                                                            TSB was effectively sold off by first achieving an

                                                            initial public offering (IPO) in June 2014



                                                            Headquarters based in Edinburgh.


                                                             Customer deposits (2017) £30.3bn

                                                             Customer lending (2017) £30.8 bn


                                                             Common Equity Tier 1 capital ratio 19.2%.


                                                             TSB employs 230,000, Profit before Tax (2017)

                                                             £147.3m


                                                             Tagged’ The “humanisation of digital” for the
                                                             mobile app’






                                                             Common Equity Tier 1 capital ratio 19.2%.











               TSB came into existence, in its current form, through

               divestiture rather than organic growth. Consequently, it

               immediately possessed assets that other

               entrants/challenger banks did not. Nevertheless, it still faced
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