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Scottish Building Society


Executive directors Chief Executive, Mark Thomson


Non-Executive directors Chairman, Alexa Henderson Vice Chairman, Robert Goldbourn David Peebles Moira Sibbald Raymond Abbott Jack Ogston


Other principal executives


Secretary and Head of Compliance, Andrew Tristram Head of Finance, Graeme Chandler Head of Sales and Development, John Lloyd Head of Lending, Andrew Moses Head of IT, Alison Quilter Head of HR, Emily Dixon


Associated companies SBS Mortgages Ltd.


Sales distribution channels for mortgages Branches: 20% Intermediaries: 80%


About the society The Society covers the whole of Scotland using its six branches and large agency network. Following the merger with Century Building Society (effective 1 February 2013) we are now the only building society with a Head Office in Scotland.


The Society provides a much needed service to investors and borrowers in some of the more rural areas as well as the main towns and cities. Sponsorship and community involvement remains high on the agenda, with local sponsorship including children's football, golf events, running festivals and other individual worthy causes.


Head office: SBS House, 193 Dalry Road Edinburgh EH11 2EF Phone: 0131 313 7700 Website: www.scottishbs.co.uk Email: mail@scottishbs.co.uk


Established: 1848 Incorporated: 1848 Auditor: KPMG Solicitor: Biggart Baillie No. of branches: 6 No. of agents: 67 No. of estate agency branches: 0 No. of ATMs: 0 No. of F/T staff: 46 No. of P/T staff: 14 No. of borrowing members: 5,884 No. of investing members: 34,179 Total members: 33,728 No. of depositors: 157


Assets


Liquid assets Mortgages Fixed and other assets


Total assets


Financial position as at 31 January 2013 Liabilities


£000


108,653 276,662 2,480


387,795


Shares Borrowings Other liabilities Reserves


Total liabilities £000


343,877 15,593 1,789


26,536 387,795


Results for the year £000


Net interest receivable Other income and charges Administrative expenses Provisions for bad and doubtful debts Operating profit before FSCS levy Provision for FSCS levy Profit for the year before taxation Taxation


Profit for the year www.bsa.org.uk


6,010 (125)


(4,862) (50) 973


(187) 786


(204) 582


As a percentage of shares and borrowings - Gross capital Liquid assets As a percentage of mean total assets - Profit for the year Management expenses


Lending Limit Funding Limit Percentage increase in total assets during the year


Financial ratios % 7.38 30.23


0.16 1.33


7.0 4.5


13.16 71


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