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 30.5% (2018)*, which is one of the strongest in the industry.

We support your local communities

We’ve invested and unlocked more than £21 million into community and charity support over the past five years. 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.

*Nationwide full year results 2017-2018


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

2016 2017 2018
£1,337 million £1,030 million £1,022 million

Statutory profit

2016 2017 2018
£1,279 million £1,054 million £977 million

Common Equity Tier 1 ratio

2016 2017 2018
23.2% 25.4% 30.5%

Leverage ratio

2016 2017 2018
4.2% 4.4% 4.9%

Source: Nationwide Annual Reporting Accounts 2018


How we compare

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

Credit rating
Moody's
S&P
Fitch
Nationwide
Aa3
A
A+
Lloyds
Aa3
A+
A+
Santander
Aa3
A
A
HSBC
Aa3
AA-
AA-
Barclays
A2
A
A
RBS
Baa2
BBB+
BBB+

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