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The challenger bank with a social conscience

Unity Trust Bank is a fully independent bank that offers a "double bottom line" strategy, focusing on both commercial success and social impact. With over 30 years of experience, Unity Trust Bank provides excellent customer service and specializes in lending to charities, social sector organizations, and "profit with purpose" businesses. Choose Unity Trust Bank for competitive loan pricing, quick decision making, and a dedicated Relationship Manager.

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The challenger bank with a social conscience

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  1. The challenger bank witha social conscience Housing LIN presentation 9th June 2016

  2. Over 30 years in the making Established May 1984 ...to be a different kind of Bank Insert logo Fully independent Bank ‘Double bottom line’ strategy

  3. Today … in a nutshell Fully independent Bank Re-affirmed core business purpose ‘Double bottom line’ strategy Over 20,000 customer accounts Ready for you Commercially driven Customer centred Socially focused

  4. Excellent customer service Customer Satisfaction Average rating of 9/10 in our own customer research Relationship Manager 1st Unity Trust Bank 2ndTriodos 3rd Co-operative Telephone Services 1st Unity Trust Bank 2nd CAF Bank 3rd Co-operative Internet Services 1st Unity Trust Bank 2ndTriodos 3rd RBS 1st 1st 1st SectorKnowledge 1st Unity Trust Bank 2ndTriodos 3rd CAF Bank Fees/Charges 1st Unity Trust Bank 2nd CAF Bank 3rd Co-operative Availability of Finance 1st Unity Trust Bank 2nd Lloyds Bank 3rd Barclays Commitment to CSR 1st Unity Trust Bank 2nd CAF Bank 3rdTriodos Interest Rates 1stTriodos 2ndUnity Trust Bank 3rd Coutts 2nd 1st 1st 1st 1st Source: Charity Finance Banking Survey 2015

  5. Banking services Lending Current and Deposit Accounts • Commercial mortgages • Development funding • Overdrafts • £190m loan portfolio currently • Over £850m on deposit • Internet banking • Telephone banking • Branch access • E-payments and Bacs services • Pre-paid and corporate cards • Switching service

  6. Here to lend Specialist Relationship Managers Range of loans • Experienced Managers • Partnership approach • Long term relationship bank • Tailored solutions • Competitive pricing • Up to £10m • Refinance • Property Purchase • Acquisition finance • Property refurbishment • Property development • Finance for business expansion • Overdrafts • Balanced lending decision – financial return and social impact • Fast decision turnaround – typically 48 hours • Work with multiple institutions on syndication deals for larger loans

  7. Types of business we lend to • Charities • Community Interest Companies • Registered Social Landlords • Regeneration organisations • Social sector organisations • ‘Profit with purpose’ organisations

  8. Types of ‘profit with purpose’ • People who help people who are vulnerable or disadvantaged • Creation and maintenance of employment including training , education or apprenticeship opportunities • A business that provides a community, social or environmental benefit • Provision of social facilities or care places • Accredited to a national recognised body that demonstrates ethical values i.e. investors in people, living wage, fair tax • Affordable Housing provision

  9. What a loan from Unity can achieve • Fetal Medicine Foundation • Amount Lent: £8,000,000 Foundation Region: South East • Development of research centre of excellence for fetal medicine • Also including training facilities, lecture and conference facilities and retail areas • BEN • Amount Lent: £8,000,000 • Region: South East • State-of-the-art retirement community incorporating a new 93 bed care centre plus apartments and cottages • Also has amenities to meet residents’ health, wellbeing, leisure and social needs • Volunteer Centre EdinburghAmount Lent: UnspecifiedRegion: Scotland • Facing relocation from rented offices, VCE wanted a permanent ‘shop front’ base to increase visibility • Loan provided as part of a 100% loan finance partnership with Big Issue Invest Scotland • Canopy Housing • Amount Lent: £256,000 • Region: Yorkshire and • the Humber • Purchase and renovation of 12 properties • Volunteers and homeless people completed the renovation then moved in

  10. Our positive social impact

  11. Financial strength you can rely on • Well capitalised • Strong liquidity • Low risk, independent financial institution • Eligible deposits protected by Financial Services Compensation Scheme

  12. Demonstrating our values First UK Bank to be Living Wage Accredited Living Wage Champions for West Midlands 2014 and 2015 Pioneer of the Fair Tax Mark since 2014 Employee Shared Ownership Plan – all staff receive 100 shares after 1 year’s service Awarded Gold status by Investors in People in 2015 ‘One Star’ rating in The Times Best Companies to Work For Survey 2015 Employees have 5 paid volunteering days each year

  13. So, why choose Unity Trust Bank? • An independent challenger Bank with a social conscience • Sector specialists giving first class service • Full internet banking service • Competitive loan pricing • Quick decision making – typically 48 hours • Dedicated Relationship Managers and UK based customer support

  14. Thank you for your time Dedicated Relationship Manager Full customer services support Manage your account online Call Ian Heesom 07540 159648 │ Mail ian.heesom@unity.co.uk│ Visit unity.co.uk │ Tweet @unitytrustbank

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