UK Companies House feature
SAINSBURY'S BANK PLC
Profile
- Company number
- 03279730
- Status
- Active
- Incorporation
- 1996-11-12
- Last accounts made up
- 2025-07-31
- Account category
- FULL
- Primary SIC
- 64191
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have considered the appropriateness of the going concern basis of preparation of the financial statements, taking into account the Bank's current and projected performance, with specific additional consideration given to the impacts of the strategic changes to the business as described in the Strategic report on page 3, including any new or amended risks in respect of capital and liquidity adequacy. The Directors are satisfied the Bank has the ability to continue as a going concern for the foreseeable future, being at least 12 months from the date of approval of the Financial Statements, taking into account a range of possible operational, economic and legal scenarios.”
Subsidiaries
- Home Retail Group Card Services Limited · 100% held · England
- Home Retail Group Insurance Services Limited · 100% held · England
Significant events
- “Sainsbury's Bank signalled a new strategy, namely a phased withdrawal from the Core Banking business with financial services products in the future being provided through partnerships with carefully chosen third parties.”
- “The migration of over 1 million customers to NatWest across loans, cards and deposits was successfully completed in November 2025.”
- “The bank paid dividends totalling £400m during the year.”
- “Sale of Core Banking Business to NatWest Group: On 20 June 2024, J Sainsbury plc announced an agreement for the sale of the Bank's personal loan, credit card and retail deposit portfolios to NatWest Group. The High Court approved the transfer on 16 April 2025, with the transaction completing on 1 May 2025.”
- “Sale of ATM network to NoteMachine: On 26 September 2024 J Sainsbury plc announced the sale of the ATM business to NoteMachine. The transition of ownership successfully completed in May 2025.”
- “Sale of Travel Money business to Fexco Group: On 30 July 2025 the Bank announced an agreement to sell its travel money business to Fexco Group. The sale completed on 31 January 2026.”
- “Agreement with Allianz UK on the future provision of car and home insurance: The Bank entered into a new strategic agreement with Allianz UK. From 1 November 2025, LV began offering replacement home and motor insurance policies to existing Sainsbury's Bank customers.”
- “Sale of Argos Financial Services cards portfolio: The existing Argos Financial Services cards portfolio was sold by Home Retail Group Card Services Limited to NewDay Group Holdings Limited, with the transfer of beneficial title completing on 28 February 2025.”
- “Creation of Argos Pay: A strategic partnership with NewDay was formed to create a new Argos-branded digital credit proposition, Argos Pay, which launched on 10 February 2026.”
- “Dividends from subsidiary: Home Retail Group Card Services Limited paid an interim dividend of £300m to the Bank in August 2025 and a further interim dividend of £24m in January 2026.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
9 active · 79 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CLARKE, David | Secretary | 2024-03-01 | — | — |
| BUTLER, Carole Vera | Director | 2018-12-03 | Feb 1962 | British |
| JONES, Margaret Lesley | Director | 2021-01-29 | Aug 1954 | British |
| LARKIN, Michael | Director | 2018-09-03 | May 1969 | Irish |
| MULHALL, Robert Damien | Director | 2024-04-09 | Feb 1974 | Irish |
| MURISON, Rosanne Mary | Director | 2022-08-31 | Mar 1960 | British |
| NORMOYLE, Helen Elizabeth | Director | 2024-11-18 | Oct 1967 | Irish |
| RICHARDSON, Bruce Michael | Director | 2024-05-01 | Feb 1970 | British,South African |
| THOMAS, William Guy | Director | 2017-07-31 | Nov 1955 | British |
Show 79 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARDEN, David Thomas | Secretary | 2013-11-06 | 2018-03-18 |
| BERNARD, Hannah Kate | Secretary | 2007-08-01 | 2013-11-06 |
| EDWARDS, Laurence John | Secretary | 1997-01-17 | 2000-06-22 |
| FARQUHARSON, Ian David | Secretary | 1996-12-06 | 1997-01-16 |
| KINLOCH, James Jeffrey | Secretary | 2000-06-22 | 2007-08-01 |
| MCNAUGHTON, Donald Hamish Macleod | Secretary | 2018-03-29 | 2024-03-01 |
| ALNERY INCORPORATIONS NO 1 LIMITED | Corporate Nominee Secretary | 1996-11-12 | 1996-12-06 |
| ADRIANO, Dino Baia | Director | 1996-12-06 | 2000-05-15 |
| ARDEN, David Thomas | Director | 2013-11-06 | 2018-03-18 |
| ARDEN, David Thomas | Director | 2012-04-05 | 2012-11-19 |
| BERNARD, Hannah Kate | Director | 2007-08-01 | 2013-11-06 |
| BIRCH, Peter Gibbs | Director | 2002-03-20 | 2006-09-18 |
| BOTTOM, Derek Harry | Director | 2001-03-29 | 2005-05-20 |
| BREMNER, David Murray | Director | 1998-07-30 | 2000-03-09 |
| BRINDLEY, Alan Robert | Director | 2012-12-03 | 2014-01-31 |
| BROWN, James Alexander | Director | 2019-08-27 | 2024-03-31 |
| BURKE, Steve | Director | 2014-01-31 | 2014-10-03 |
| BURR, Gwyn | Director | 2006-09-18 | 2020-01-31 |
| BURT, Peter Alexander, Sir | Director | 1996-12-06 | 2002-01-31 |
| CAMPBELL, Marcia Dominic | Director | 2013-09-23 | 2019-09-27 |
| CHADWICK, Richard Andrew | Director | 1996-12-06 | 1999-09-02 |
| CHANDLER, Neil Charles | Director | 2008-05-01 | 2009-12-15 |
| CLARKE, Peter Lawrence | Director | 2018-02-22 | 2022-08-31 |
| COOK, Alan Ronald | Director | 2011-07-04 | 2016-12-31 |
| CULLEN, John | Director | 1999-09-02 | 2001-03-29 |
| DAVIS, Peter John, Sir | Director | 2000-05-15 | 2002-01-31 |
| DAVIS, Roger William John | Director | 2013-05-07 | 2021-01-29 |
| DEANE, Stuart John | Director | 2015-03-11 | 2016-09-28 |
| FARQUHARSON, Ian David | Director | 1996-12-06 | 1997-04-15 |
| FISHER, David | Director | 2010-01-01 | 2012-03-02 |
| FORRESTER, Graeme Campbell | Director | 2017-01-09 | 2019-11-28 |
| FOX, Ian Malcolm | Director | 2010-04-26 | 2014-01-31 |
| GALLOWAY, John | Director | 2011-04-01 | 2013-08-07 |
| GRANT, Philip Robert | Director | 2007-12-17 | 2008-04-14 |
| GRIFFITHS, Peter Lloyd | Director | 2012-11-19 | 2019-08-27 |
| HIGGINS, Bernard | Director | 2006-05-02 | 2007-08-10 |
| HOBSON, Anthony John | Director | 2002-06-24 | 2006-09-18 |
| HODKINSON, Phil Andrew | Director | 2001-11-22 | 2005-07-12 |
| HORNBY, Andrew Hedley | Director | 2001-11-22 | 2006-05-04 |
| JACKSON, Jeremy Peter | Director | 2006-09-18 | 2010-03-18 |
| JONES, David | Director | 2016-08-15 | 2019-11-28 |
| KEYS, Richard John | Director | 2011-07-04 | 2017-06-30 |
| KING, Justin Matthew | Director | 2004-10-06 | 2007-02-23 |
| KINLOCH, James Jeffrey | Director | 2006-03-21 | 2007-08-01 |
| KNOX, Lesley Mary Samuel | Director | 1997-01-16 | 2001-11-22 |
| LENMAN, Alasdair Bruce | Director | 2009-07-02 | 2012-09-07 |
| MACKAY, William Lindsay | Director | 2009-07-02 | 2010-03-18 |
| MASTERTON, Gavin George | Director | 1997-04-15 | 2001-06-15 |
| MATTHEWS, Roger John | Director | 2000-02-03 | 2006-09-18 |
| MCARTHUR, Daniel Rodger | Director | 1997-01-17 | 2000-01-11 |
| MCCARTEN, Kevin | Director | 1996-12-06 | 2000-03-09 |
| MEE, Robert James | Director | 1999-09-02 | 2001-11-22 |
| MITCHELL, George Edward | Director | 1996-12-06 | 2001-11-22 |
| MORIARTY, Clodagh | Director | 2020-01-30 | 2023-05-15 |
| MULLINGTON, Mark Frederick | Director | 2013-08-20 | 2016-12-31 |
| NELSON, Stephen Keith James | Director | 2005-01-28 | 2005-07-11 |
| NICHOLSON, David Charles | Director | 2010-06-01 | 2012-03-02 |
| PILE, Timothy Simon Devereux | Director | 2002-01-31 | 2006-03-21 |
| RISLEY, Angela Susan | Director | 2016-01-08 | 2020-01-31 |
| ROGERS, John Terence | Director | 2010-10-28 | 2019-10-31 |
| ROSS, Michael Alexander Nunes | Director | 2015-06-24 | 2024-06-26 |
| SAINSBURY OF TURVILLE, David John, Lord | Director | 1997-01-16 | 1998-07-30 |
| SCHOLEY, David Gerald, Sir | Director | 1997-01-16 | 2000-02-01 |
| SEALE, Adam | Director | 2008-10-27 | 2009-04-30 |
| SHAPLAND, Darren Mark | Director | 2006-07-17 | 2013-02-28 |
| SIMMONDS, Andrew Warwick | Director | 2014-01-31 | 2018-06-29 |
| SWANN, Kathryn Elizabeth | Director | 2000-02-03 | 2000-12-18 |
| TAYLOR, Hamish Wilson | Director | 2000-01-11 | 2002-01-31 |
| THOMPSON, Peter | Director | 2006-05-25 | 2007-09-07 |
| TURNER, Grenville | Director | 2005-01-28 | 2006-03-23 |
| WALKER, Robert Michael | Director | 2006-05-02 | 2008-05-01 |
| WALSH, Imelda | Director | 2007-02-23 | 2010-07-28 |
| WARBY, Sarah | Director | 2014-03-14 | 2015-11-26 |
| WATKINS, Daniel John | Director | 2007-08-10 | 2009-03-20 |
| WELLER, Sara Vivienne | Director | 2000-05-15 | 2004-05-05 |
| WHITBREAD, Robin Peter | Director | 2000-05-15 | 2001-10-15 |
| WILLIAMS, Bill | Director | 1999-09-02 | 2000-02-03 |
| ALNERY INCORPORATIONS NO 1 LIMITED | Corporate Nominee Director | 1996-11-12 | 1996-12-06 |
| ALNERY INCORPORATIONS NO 2 LIMITED | Corporate Nominee Director | 1996-11-12 | 1996-12-06 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Sainsbury's Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2025-08-28 | Active |
| J Sainsbury Plc | Corporate entity | Appoints directors | 2016-10-26 | Active |
Filing timeline
Last 20 of 362 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-05-01 | AA | accounts | accounts with accounts type full |
| 2026-02-06 | CH01 | officers | change person director company with change date |
| 2025-09-12 | MR04 | mortgage | mortgage satisfy charge full |
| 2025-09-04 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-09-03 | CH01 | officers | change person director company with change date |
| 2025-08-28 | PSC02 | persons-with-significant-control | notification of a person with significant control |
| 2025-08-28 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2025-08-21 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-08-12 | AA | accounts | accounts with accounts type interim |
| 2025-07-14 | SH19 | capital | capital statement capital company with date currency figure |
| 2025-07-14 | OC138 | capital | legacy |
| 2025-07-14 | CERT15 | capital | certificate capital reduction issued capital |
| 2025-06-18 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2025-06-12 | AA | accounts | accounts with accounts type full |
| 2025-05-29 | RESOLUTIONS | resolution | resolution |
| 2025-05-01 | CH01 | officers | change person director company with change date |
| 2025-05-01 | CH01 | officers | change person director company with change date |
| 2025-05-01 | AD01 | address | change registered office address company with date old address new address |
| 2024-11-25 | AP01 | officers | appoint person director company with name date |
| 2024-10-01 | CH01 | officers | change person director company with change date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.