The Nationwide difference

Whether it’s through the products and services we provide, the charities and causes we support or the communities we serve, we are always striving to do the best for our customers.



We're the world's largest building society

Over 130 years ago we opened our doors as a building society. Being a building society means that we're free to reinvest more of our profits to improve the products and services we offer.

We're committed to being an ethical business

Every decision we make as a business is underpinned by our core values of decency, fairness and dependability. Doing the right thing for our customers is at the heart of what we do.

We’re run prudently and we lend responsibly

We have strong, long-term credit rating grades and a Common Equity Tier 1 Ratio of 25.4% (2017), which is one of the strongest in the industry.

We provide great service for our customers

We're ranked number six out of 244 organisations in the 2017 UK Customer Satisfaction Index*.

We support your local communities

By 2017, our customers and employees will have helped decide how we invest and unlock £15 million to support local communities. Click here to read about citizenship at Nationwide.


We're dedicated to supporting charities

We are committed to giving at least 1% of each year’s pre-tax profits to charity, community and environmental activities.

* Instituteofcustomerservice.com Jan 2017.


Key measures of our financial strength

Our increasing profit is important as it allows us to grow and invest in the society for our customers and members. Our Common Equity Tier 1 ratio (CET1) and our leverage ratio are key measures of our financial strength.

Underlying profit

2015 2016 2017
£1,227 million £1,337 million £1,030 million

Statutory profit

2015 2016 2017
£1,044 million £1,279 million £1,054 million

Common Equity Tier 1 ratio

2015 2016 2017
19.8% 23.2% 25.4%

Leverage ratio

2015 2016 2017
4.1% 4.2% 4.4%

Source: Nationwide Annual Reporting Accounts 2017


How we compare

Credit Agency ratings provide an independent view on an organisation's ability to meet its obligations. Our long-term credit ratings tell you that we're regarded as one of the UK's strongest high street financial institutions.

Credit rating

Long term
Moody's
S&P
Fitch
HSBC
Aa2
AA-
AA-
Nationwide
Aa3
A
A+
Lloyds
A1
A
A+
Santander
AA3
A
A
Barclays
A1
A-
A
RBS
A3
BBB+
BBB+

Source: HSBC Bank Plc, Nationwide Building Society, Lloyds Bank Plc, Santander UK Plc, Barclays Bank Plc, Royal Bank of Scotland Plc.