We recognise that our engagement with stakeholders goes beyond our 8,000 customers, 20 colleagues and our suppliers. The organisations we seek to actively engage with range from those that can have an impact on our business, such as regulators, to those whose views are relevant to the way we run our business, such as industry groups, lobby forums and trade associations.

Developing and building relationships with a range of stakeholders helps us to understand issues, develop our business and manage risks better. Inevitably, we will not always agree with the views expressed, nor will we change our policies unless we believe that would help us serve our customers better. But we will always listen.