The bank's Ethical Policy was introduced in 1992 to set out precisely what ethical standards would govern the types of businesses the bank would and would not offer services to. When looking to determine 'what ethics to embrace', it was necessary to consider 'whose ethics to embrace'. The bank chose to base its Ethical Policy on the concerns of its customers, on the basis that it is generally their money that is being used, and they should have a say in how it is used.

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quoting reference 791/2093

More than a decade later, the bank continues to be the only high street bank that gives customers a say in how their money is used and which encourages their input into the ongoing development of its Ethical Policy.