Our mutuality means our commitment to customers naturally spills over into the wider community and society as a whole.

We advocate responsible investing - managing risk and making sound investment decisions to generate better long-term results for our customers and society. We engage with companies and challenge them on issues such as CO2 emissions, boardroom diversity and executive pay, and encourage changes where necessary.

In addition, our sponsorship of social enterprises through Changemakers, focuses on tackling financial vulnerability and building resilience, helping people prevent life shocks becoming a crisis.

And our research into the value of financial advice and how to fix the advice gap is helping generate debate within our industry and inspire positive change.