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.

Our specialist oil and gas service sector team draws on deep sector expertise to help our clients adapt, thrive and grow in a changing global landscape.

Oil and gas

The UK oil and gas industry has a supply chain with an unrivalled range of products, services and expertise. We have the experience and the scale to help you maximise any opportunities in the market.

We’re committed to keeping pace with predicted periods of expansion and diversification. Our position in the UKCS market allows us to provide strong support to help you exploit the opportunities ahead.

The 2013 Budget clarified decommissioning costs, which will unlock new investment of around £40 billion. To help you take advantage of this, we provide a range of debt facilities including:

Wherever you want to operate in the world, we can help you.


The mining sector’s quick response to economic downturn was critical to its survival, and the shift from increasing production volumes to maximising returns from existing operations has demonstrated the industry’s resilience. However, the broader challenges of a changing global economic and business environment remain.


The UK’s utility industry faces an enormous investment challenge over the next decade to deliver the critical generation and infrastructure capacity that the country needs. It has to do this within a very strict, low-carbon framework, with businesses in the sector facing emissions regulation costs and increased regulatory reporting.

Renewable energy

The renewable sector will continue to need financing solutions to support a low or non-carbon space. By 2020, for example, the UK Government has set a target of 15% of energy production from renewables. The capital investment needed to support those ambitions is vast, with estimates ranging from £100-200 billion of capital expenditure required by the 2020 deadline.

The sector is expected to see significant growth in the medium to long term. We monitor key drivers to help support you, including:

  • energy price volatility
  • continuity of energy supply
  • increased environmental awareness
  • legislative impact.

In the past four years we have provided finance for 40 projects by investing £2.5 billion of capital into the renewable energy sector – which is sufficient to generate green electricity for around 3 million homes.

Our past experience and financial capabilities can help you manage the transition to a low carbon economy.

Our people

Gordon Rate
Gordon Rate Head of Scotland – SME & Corporate Financial Markets

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Nick Laird
Nick Laird Regional Managing Director, Commercial Banking, Bank of Scotland

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Jane Clark-Hutchinson
Jane Clark-Hutchinson Regional Director, Mid Markets, Commercial Banking

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

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

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

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Fraser Sime
Fraser Sime Director, SME Banking, Bank of Scotland

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Gillian Henderson
Gillian Henderson Commercial Director, Commercial Banking, Bank of Scotland

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Pete Flockhart
Pete Flockhart Regional Relationship Director, Commercial Banking

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Specialist teams

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Contact us

For more information, contact your local relationship director or use our online directory.