T he Bank of Scotland (BoS) is a leading UK clearing bank, headquartered inEdinburgh. It employs around 21,000 people and has collective earnings of morethan £435 million. It issues a range of credit and charge cards (including cards to supporters of afﬁnity groups ranging from charities to universities) and is known for its pioneering electronic and telephone home and ofﬁce banking service.1 Its community mission statement clearly signiﬁes a stakeholder approach to its business:
Throughout Bank of Scotland’s 306-year history, we have been keenly aware of our responsibilities as good corporate citizens. We know that our own business will be stronger if the communities where our existing and future customers live and work are stable and healthy.