• Our specialist teams have expert knowledge across a huge range of sectors. Together, they help businesses like yours manage their risk, achieve liquidity and support their growth ambitions.

    • Aerospace and defence

      We understand that the aerospace and defence sector depends on the health of the world economy. Liquidity and cash preservation are critical as well as tight working capital management. Because we’re aware of the specific issues you face, we can provide you with tailored solutions to meet your needs.

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    • Building, construction and real estate

      We offer a range of commercial banking products and services that take account of the economic cycle and how that can impact your business. We’re here to help you take advantage of opportunities, with specialists who know the way the industry works.

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    • Education, community and government

      As a leading provider of banking services in the education, community and government sectors we build long-lasting relationships. Our local teams of specialists can provide tailored services to help you grow your business. From optimising your liquidity, to managing your supply chain and your working capital, we’re there to help when you need us.

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    • Energy and resources

      With technological advances, economic pressures and environmental factors driving rapid change across the industry, the demand to develop and deliver new methods for generating energy has never been greater.

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    • Financial institutions

      Our global specialist financial institutions team works with some of the biggest banks and financial institutions around the world.

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    • Food and Drink

      Our specialist teams understand that the Food and Drink sector needs the support of a bank which supports customers through the tough and changeable conditions.

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  • Our people

    Jane Clark-Hutchinson

    Jane Clark Hutchinson (thumbnail)

    Regional Director, Mid Markets, Commercial Banking

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    Gillian Henderson

    Gillian Henderson (thumbnail)

    Commercial Director, Commercial Banking, Bank of Scotland

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    Tony Oakley

    Tony Oakley (thumbnail)

    Head of Social Housing, Mid Markets, Commercial Banking, Bank of Scotland

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    Pete Flockhart

    Pete Flockhart (thumbnail)

    Regional Relationship Director, Commercial Banking

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    Stuart White


    Regional Director, North of Scotland, Commercial Banking, Bank of Scotland

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    Gordon Rate


    Head of Scotland – SME & Corporate Financial Markets

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    Colin Walls

    Colin walls thumbnail

    Head of Trading and Working Capital, Commercial Banking, Bank of Scotland

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    Nick Laird

    Nick Laird Thumb

    Regional Managing Director, Commercial Banking, Bank of Scotland

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    Fraser Sime

    Fraser Sime Thumb

    Director, SME Banking, Bank of Scotland

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