Ulster Bank

Last updated

National Westminster Bank Plc
trading as Ulster Bank
Ulster Bank
Company type Private
Industry Financial services
Founded22 February 1836;188 years ago (1836-02-22)
Belfast, Ireland, United Kingdom, as the Ulster Banking Company
Headquarters Belfast, Northern Ireland, United Kingdom
Dublin, Republic of Ireland
Key people
Jane Howard
Paul Stanley
ProductsVarious banking products
Owner UK Government Investments (48.1%)
Number of employees
3,250 (2013)
Parent NatWest Holdings
Website www.ulsterbank.co.uk (NI)
www.ulsterbank.ie (ROI)
Ulster Bank, Longford Ulster Bank, Longford.jpg
Ulster Bank, Longford

Ulster Bank (Irish : Banc Uladh) is a large retail bank, and one of the traditional Big Four Irish clearing banks. The Ulster Bank Group was subdivided into two separate legal entities: National Westminster Bank Plc, trading as Ulster Bank (registered in England and Wales and operating in Northern Ireland); and, until April 2023, Ulster Bank Ireland DAC (registered in the Republic of Ireland). Prior to the closure of Ulster Bank in the Republic of Ireland in April 2023, the headquarters of Ulster Bank in the Republic of Ireland were located on George's Quay, Dublin, whilst the headquarters of Ulster Bank Northern Ireland are in Donegall Square East, Belfast, [1] and it maintains a large sector of the financial services in both the UK and the Republic of Ireland.

Contents

Established in 1836, Ulster Bank was acquired by the London County and Westminster Bank in 1917. As a wholly-owned subsidiary of National Westminster Bank (NatWest), it became part of the Royal Bank of Scotland Group in 2000. [2] RBS Group was renamed NatWest Group in 2020. [3] [4] [5] [6] [7] However, the Ulster Bank brand is used on the island of Ireland. The bank has 146 branches in the Republic of Ireland and 90 in Northern Ireland, with over 1,200 non-charging ATMs. It has over 3,000 employees and over 1.9 million clients.

On 19 February 2021, NatWest Group announced a phased withdrawal of all banking activity and associated services within the Republic of Ireland. On 3 May 2021, the business of Ulster Bank Limited in Northern Ireland was transferred to the parent National Westminster Bank as part of a court-approved Banking Business Transfer Scheme. [8] Ulster Bank ceased its operations in the Republic of Ireland on 21 April 2023. [9]

Ulster Bank has been designated as a Significant Institution since the entry into force of European Banking Supervision in late 2014, and as a consequence is directly supervised by the European Central Bank. [10] [11]

History

19th century

Former Ulster Bank headquarters on Waring Street in Belfast, today the Merchant Hotel (2010) Merchant Hotel - geograph.org.uk - 485099.jpg
Former Ulster Bank headquarters on Waring Street in Belfast, today the Merchant Hotel (2010)

Ulster Bank was founded as The Ulster Banking Company in Belfast, Ulster, in 1836, [12] by a breakaway faction of shareholders in the newly formed National Bank of Ireland, which had been founded in 1835, who objected to the latter bank's plan to invest profits from the bank in London rather than in Belfast. The founding directors of the bank were John Heron, Robert Grimshaw, John Currell, who was a linen bleacher from Ballymena, and James Steen, a Belfast pork curer. [13]

Ulster bank opened for business on 1 July 1836 on Waring Street, Belfast. It issued its own banknotes from the outset. Within a year, it opened branches at Antrim, Armagh, Ballymoney, Comber, Downpatrick, Enniskillen, Lurgan, Portadown and Tandragee. In the following two decades, it opened eleven more branches throughout the nine counties of Ulster. [14] [15]

In 1860, Ulster bank opened a new head office on Waring Street, Belfast, together with branches in Sligo and in Ardee, Co. Louth. In 1862, it opened an office at College Green, Dublin. Over the following twelve years, it opened another 24 branches. It established a limited liability company in 1883, named Ulster Bank Ltd. It opened further branches in Dublin, on Baggot Street and Camden Street, and moved to a new premises on College Green in 1891. [14] [15]

20th century

Ulster Bank, The Quays, Waterford (1928) Ulster Bank premises on The Quays, Waterford October 23, 1928.jpg
Ulster Bank, The Quays, Waterford (1928)

In the early 1900s, Ulster Bank opened branches in Wexford, Dún Laoghaire, Cork, Waterford and Limerick. It was acquired by the London County and Westminster Bank in 1917, but retained its separate identity. [16] [17]

In the 1960s, Ulster Bank opened branches in the suburbs of Belfast and Dublin, together with branches in airports. It introduced ATMs.

On 16 May 1968, Ulster Bank announced that the administration of its lending activities in the Republic of Ireland would be moved from Belfast to Dublin. [18] In 1968, Ulster Bank's parent bank (by then named Westminster Bank) amalgamated with National Provincial Bank to form National Westminster Bank. [19] [20] [21]

In the 1970s, Ulster Bank introduced mobile banks in some rural areas. It moved to a new head office on Donegall Place, Belfast. In 1975, Ulster Bank acquired the Irish interests of Lombard Bank and North Central Finance. It adopted the slogan "the friendly bank". [16]

In 1980, Ulster Bank introduced the "Henri Hippo" money box and savings plan for schoolchildren. In 1989, it launched the Ulster Bank Visa card. [16]

During the 1990s, Ulster Bank installed ATMs at non-branch locations and had the largest network of ATMs in Ireland by 1995. It introduced the Switch debit card and continued to expand its branch network throughout the 1990s. In 1997, it opened its new head offices at George's Quay, Dublin. [16]

21st century

Ulster Bank, Donegal town Ulster bank, Donegal Town - geograph.org.uk - 2559000.jpg
Ulster Bank, Donegal town

In 2000, Ulster Bank opened a new office at Donegall Square East, Belfast. Its parent, National Westminster Bank, was acquired by the Royal Bank of Scotland group in 2000. In 2001, Ulster Bank's banking business in the Republic of Ireland was transferred to Ulster Bank Ireland Ltd in accordance with Irish law. [22]

In 2002, three Ulster Bank employees were arrested on charges of theft and money laundering. The three were responsible for the destruction of old banknotes at the bank's former Waring Street cash centre. Between November 2001 and February 2002, they were accused of stealing approximately UK£900,000 of used banknotes designated for disposal. The money was then placed in various bank and building society accounts. [23] On 23 January 2004, the men were jailed for two and a half years for the theft of £770,000. Lord Chief Justice Sir Brian Kerr criticised the bank's security measures during the trial. [24]

In 2003, Ulster Bank Group purchased First Active, Ireland's oldest building society, for €887 million, with First Active retaining its separate identity. [25] [26] [27] In 2005, Ulster Bank's logo was changed to the "daisy wheel" of Royal Bank of Scotland. [28] In 2009, the First Active branch network and business of several hundred thousand savers and borrowers was merged with Ulster Bank, and the brand name was retired in 2010. [29] [30]

In June 2012, a computer system failure prevented customers from accessing accounts. Initial estimates that the problem would be sorted out within a week were wildly optimistic, with thousands of customers still unable to access their accounts into late July 2012, with ongoing issues still not resolved by mid-August 2012. This RBS / NatWest / Ulster Bank issue has proved to be one of the largest IT failures the world has ever known. Ulster Bank (the smallest part of the RBS group) was to initially set aside £28 million for compensation to customers. [31]

In 2015, the Central Bank of Ireland opened an investigation into the lenders which sold tracker mortgages, finding Ulster Bank, KBC Bank Ireland, Permanent TSB, Bank of Ireland and AIB had denied their customers the correct rates. [32] It transpired that in the Republic of Ireland from 2008, Ulster Bank Ireland dac had encouraged customers on tracker mortgages to switch to the more-profitable fixed rate mortgages as interest rates on tracker mortgages, which is set to the European Central Bank borrowing rate plus 1%, reduced significantly due to the 2008 financial crisis. As part of this, mortgage customers were not told about the risks of moving to a fixed rate, and were instead encouraged with the offer of constant mortgage repayments and interest. Other customers were offered a temporary switch to a fixed rate mortgage, with the promise of being moved back to a tracker rate after a time period, which did not occur until customers complained as per a company policy introduced in 2011. [32] [33] The Central Bank of Ireland ultimately fined Ulster Bank Ireland DAC €37.774 million on 25 March 2021, after discovering 5,940 customers had been directly affected by the scandal, along with 49 separate regulatory breaches. [33]

In September 2020, The Irish Times reported that NatWest was considering closing all Ulster Bank operations in the Republic of Ireland, a process that would take around six years. The bank would continue to operate in Northern Ireland. [34] It had previously been reported in March 2014 that the then RBS Group was considering merging the bank in the Republic of Ireland with some of its rivals in order to reduce its holding, with RBS Group's annual results for 2013 having revealed that Ulster Bank had operating losses of £1.5 billion and accounted for a fifth of the parent group's total bad debt charges, although in October 2014, RBS had confirmed it would retain Ulster Bank following improved market conditions in Ireland. [35] [36] However, Ulster Bank's operations in Ireland had been formally split into two separate entities in Northern Ireland and the Republic of Ireland in 2015. [37]

In February 2021, following an extensive review, NatWest Group confirmed plans to withdraw Ulster Bank from the Republic of Ireland, with a "phased withdrawal" over the "coming years". [38]

In May 2022, Ulster Bank announced it would close nine branches across Northern Ireland in the following three months. [39]

Ulster Bank began freezing certain current and deposit accounts in the Republic of Ireland on 11 November 2022, which were to be closed 30 days later, as part of its staggered process of eventually closing all such accounts. Twenty-five of their branches closed on 6 and 13 January 2023 and were taken over by Permanent TSB. [40] The remaining 63 branches closed on 21 April 2023. [41]

On 21 November 2023, Ulster Bank announced it would close a further 10 branches in Northern Ireland in 2024, thereby reducing its total number of branches to 25. [42] [43] [44]

Services

Ulster Bank, Cootehill Ulster Bank, Market Street, Cootehill - geograph.org.uk - 3750034.jpg
Ulster Bank, Cootehill

Ulster Bank provide a full range of banking and insurance services to personal, business and commercial customers.

In Northern Ireland, as a trading name of National Westminster Bank, the bank is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority. National Westminster Bank is a member of the Financial Services Compensation Scheme and UK Finance. In the Republic of Ireland, the bank is regulated by the Central Bank of Ireland.

The bank provides a Debit Mastercard to customers with their current accounts, in addition to other financial services. It launched 15 new commitments to its retail customers in September 2010. [45]

Corporate identity

Ulster Bank, Malahide 20130811 malahide230.JPG
Ulster Bank, Malahide

Until 1963/1964, Ulster Bank did not use a logo in the modern sense, and for branding purposes it used either its name alone or its name together with its coat of arms. [46] [47] [48] [49] [50] From 1964-1965, it began to develop a logo for branding purposes, beginning with a large, bold "UB" featuring its coat of arms, [51] [52] [53] followed by a large "UB" in outline, [54] and finally an entwined U and B. [55] [56] [57]

During 1969-1970, Ulster Bank gradually transitioned to the logo of the newly-formed National Westminster Bank, featuring three arrowheads. [58] [59] [60] [61] [62] [63] [64]

In 2005, Ulster Bank's logo was changed to the "daisy wheel" of Royal Bank of Scotland, together with its typeface design. [65]

Ulster bank is one of the four banks that issue pound sterling banknotes in Northern Ireland.

Banknotes

The commemorative George Best five-pound sterling note issued by Ulster Bank in Northern Ireland George Best commemorative issue PS5 note - Ulster Bank.jpg
The commemorative George Best five-pound sterling note issued by Ulster Bank in Northern Ireland

In common with the other Big Four banks of Northern Ireland, Ulster Bank retains the right to issue its own banknotes. These are pound sterling notes and equal in value to Bank of England notes, and should not be confused with banknotes of the former Irish pound, which was the official currency of the Republic of Ireland until it was replaced by the euro in 2002.

Ulster Bank's current notes all share the same design of a view of Belfast Harbour flanked by landscape views; the design of the reverse is dominated by the bank's coat of arms. The principal difference between the denominations is their colour and size. Notes incorporate a foil patch security feature depicting the bank's logo.

In November 2006, Ulster Bank issued its first commemorative banknote – an issue of one million £5 notes commemorating the first anniversary of the death of former Northern Irish and Manchester United footballer, George Best. This was the first Ulster Bank banknote to incorporate the RBS "daisy wheel", and the entire issue was taken by collectors within hours of becoming available in bank branches.

In 2019, Ulster Bank issued a new series of banknotes printed in polymer, which replaced its paper equivalents that were previously in circulation.

Sponsorship

On 8 February 2008, Ulster Bank Group Chief Executive, Cormac McCarthy, announced a three-year sponsorship deal worth over £1 million for the Belfast Festival at Queen's. It was hailed as a "new dawn" for the festival which had been suffering underfunding. [66] [67]

Ulster Bank was the first overall sponsor of The Balmoral Show in 2009, Northern Ireland's largest agricultural show. [68] [69]

Ulster Bank announced official sponsorship of the GAA All-Ireland Senior Football Championship in April 2008.

See also

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References

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  2. ↑ Annual Report and Accounts Archived 25 April 2012 at the Wayback Machine National Westminster Bank, 31 December 2010
  3. ↑ Makortoff, Kalyeena RBS will change name to NatWest as Alison Rose begins overhaul The Guardian, 14 February 2020
  4. ↑ RBS Group to change its name to NatWest BBC News, 14 February 2020
  5. ↑ "Our plan to change our parent name". RBS. 14 February 2020. Retrieved 7 April 2020.
  6. ↑ "RBS to rebrand as Natwest Group next Wednesday". Practive Investor. 16 July 2020. Retrieved 16 July 2020.
  7. ↑ "Change of Name - 14:00:05 22 Jul 2020 - RBS News article | London Stock Exchange". www.londonstockexchange.com.
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  9. ↑ "Ulster Bank to close all branches in Republic of Ireland".
  10. ↑ "The list of significant supervised entities and the list of less significant institutions" (PDF). European Central Bank. 4 September 2014.
  11. ↑ "List of supervised entities" (PDF). European Central Bank. 1 January 2023.
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  14. 1 2 "Our History - Corporate Information | Ulster Bank". www.ulsterbank.ie. Retrieved 25 August 2023.
  15. 1 2 "Ulster Bank's timeline: From backing linen merchants to Celtic Tiger builders". The Irish Times. Retrieved 25 August 2023.
  16. 1 2 3 4 "Our History - Corporate Information | Ulster Bank". www.ulsterbank.ie. Retrieved 1 March 2024.
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  18. ↑ 'Ulster Bank changes announced' (17 May 1968) The Irish Times, p. 12
  19. ↑ Pritchard, C. (15 February 1968) 'Barclays chairman explains merger', The Irish Times, p. 16
  20. ↑ Pritchard, C. (30 March 1968) 'Terms of National Provincial-Westminster merger agreed', The Irish Times, p. 14
  21. ↑ The Irish Times (30 May 1968) 'National Provincial says "yes" to merger', p. 17
  22. ↑ "Our History - Corporate Information | Ulster Bank". www.ulsterbank.ie. Retrieved 21 April 2024.
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  26. ↑ Carswell, Simon (13 February 2010). "First Active clients switch to Ulster Bank as name expunged". The Irish Times. The finalisation of the merger comes more than a year after Ulster Bank announced that it would close First Active and merge its business and customers into the bank's network. Ulster Bank has already merged about three-quarters of First Active's 60 branches, and closed the rest.
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  29. ↑ "Our History – Our Story". Ulster Bank Group. Archived from the original on 1 February 2010. Retrieved 15 February 2010.
  30. ↑ Carswell, Simon (13 February 2010). "First Active clients switch to Ulster Bank as name expunged". The Irish Times. The finalisation of the merger comes more than a year after Ulster Bank announced that it would close First Active and merge its business and customers into the bank's network. Ulster Bank has already merged about three-quarters of First Active's 60 branches, and closed the rest.
  31. ↑ "Ulster Bank services 'back next week'". The Irish Times. 26 June 2012. Retrieved 26 June 2012.
  32. 1 2 Sunderland, Ciarán (25 March 2021). "Q&A: What does Ulster Bank's fine mean for the ongoing tracker mortgage scandal?". Irish Examiner. Retrieved 25 March 2021.
  33. 1 2 Goodbody, Will (25 March 2021). "Ulster Bank hit with record €38m Central Bank fine for tracker mortgage failings". RTÉ . Retrieved 25 March 2021.
  34. ↑ Brennan, Joe (18 September 2020). "NatWest considers closing Ulster Bank in the Republic". The Irish Times. Retrieved 18 September 2020.
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  36. ↑ Campbell, John (31 October 2014). "Ulster Bank to remain under control of RBS". BBC News. Retrieved 8 November 2015.
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  38. ↑ "Concern for NI jobs as Ulster Bank pulls out of Republic". belfasttelegraph. ISSN   0307-1235 . Retrieved 19 February 2021.
  39. ↑ "Ulster Bank confirms plans for another nine branch closures". The Irish News. 19 May 2022. Retrieved 21 April 2024.
  40. ↑ "Ulster Bank confirms it will freeze thousands of accounts from this Friday". 8 November 2022.
  41. ↑ "Ulster Bank closure - where are we now?". The Irish Times .
  42. ↑ "'Huge blow' for Lisnaskea following Ulster Bank announcement". NorthernSound. Retrieved 21 April 2024.
  43. ↑ "Ulster Bank announce plans to close 10 branches in Northern Ireland". The Irish News. 21 November 2023. Retrieved 21 April 2024.
  44. ↑ "Ulster Bank in Lisnaskea set to close next year". Ocean FM. 21 November 2023. Retrieved 21 April 2024.
  45. ↑ Ulster Bank pledges to meet consumers' needs with 15 new customer commitments http://www.jprni.com/work/index.php?news=376%5B%5D
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  47. ↑ The Irish Times (19 April 1961) p. 14
  48. ↑ The Irish Times (7 May 1963) p. 7
  49. ↑ The Irish Times (6 August 1963) p. 5
  50. ↑ The Irish Times (1 January 1964) p. 7
  51. ↑ The Irish Times (24 July 1964) p. 13
  52. ↑ The Irish Times (13 January 1964) p. 7
  53. ↑ The Irish Times (5 May 1964) p. 4
  54. ↑ The Irish Times (4 August 1964) p. 5
  55. ↑ The Irish Times (9 January 1965) p. 13
  56. ↑ The Irish Times (2 April 1966) p. 12
  57. ↑ The Irish Times (13 December 1969) p. 14
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  59. ↑ "Ulster Bank's timeline: From backing linen merchants to Celtic Tiger builders". The Irish Times. Retrieved 21 April 2024.
  60. ↑ The Irish Times (5 March 1969) p. 12
  61. ↑ The Irish Times (12 May 1969) p. 5
  62. ↑ The Irish Times (14 February 1970) p. 12
  63. ↑ The Irish Times (5 May 1970) p. 5
  64. ↑ The Irish Times (24 November 1972) p. 5
  65. ↑ "Our History - Corporate Information | Ulster Bank". www.ulsterbank.ie. Retrieved 21 April 2024.
  66. ↑ McCreary, Matthew (8 February 2008). "£1m 'new dawn' deal for Queen's Festival". Belfast Telegraph . p. 1.
  67. ↑ McCreary, Matthew (8 February 2008). "Festival future looks bright with £1m deal". Belfast Telegraph . p. 3.
  68. ↑ "Balmoral Show | Northern Ireland's largest Agri-Food..."
  69. ↑ "Northern Ireland Balmoral show announces new investment". Ulster Bank. 13 February 2009. Retrieved 3 August 2013.
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