UK Banks with Improving Ratings

British banks whose credit ratings have improved compared to their previous assessment, indicating strengthening financial positions.

69

TOTAL BANKS

22

INVESTMENT GRADE

15

IMPROVING

6

DECLINING

6445

NEWS

69 Banks 22 Investment Grade 15 Improving 6 Declining 6445 News

Rating History - Improving Banks

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Handelsbanken											AA
Coutts & Company											AA-
Lloyds Bank plc	A	A	A+	A+	A+	A+	A+	A+	A+	A+	AA-
NatWest	A-	A-	A	A	A+	A+	A+	A+	A+	A+	AA-
Royal Bank of Scotland											AA-
Sainsbury's Bank Plc											AA-
Tesco Bank											A+
Co-operative Bank plc	B	B+	B+	BB-	BB-	BB-	BB-	BB-	BB-	BB-	A
Coventry Building Society											A
TSB Bank plc	A-	A-	A-	A-	A-	A-	A-	A-	A-	A-	A
Clydesdale Bank PLC	BBB	BBB	BBB+	BBB+	BBB+	BBB+	BBB+	BBB+	BBB+	BBB+	A-
Virgin Money UK PLC	BBB+	BBB+	BBB+	A-	A-	A-	A-	A-	A-	A-	A-
Yorkshire Bank	BBB	BBB	BBB+	BBB+	BBB+	BBB+	BBB+	BBB+	BBB+	BBB+	A-
Close Brothers Limited	A-	A-	A-	A-	A-	A-	A-	A-	A-	A-	BBB+
Metro Bank PLC	BB+	BB+	BB+	BB	BB-	BB-	BB-	B+	B+	B+	BB

Weaker Stronger

Sort By

Bank Name	Rating	Agencies	Outlook	Trend	Last Updated	Actions
H Handelsbanken	AA	S&P, Moody's, Fitch	—		10 Jul 2026
C Coutts & Company	AA-	S&P, Moody's, Fitch	Stable		10 Jul 2026
L Lloyds Bank plc	AA-	S&P, Moody's, Fitch	—		19 Jul 2026
N NatWest	AA-	S&P, Moody's, Fitch	Stable		19 Jul 2026
R Royal Bank of Scotland	AA-	S&P, Moody's, Fitch	Stable		10 Jul 2026
S Sainsbury's Bank Plc	AA-	S&P, Moody's, Fitch	Stable		10 Jul 2026
T Tesco Bank	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
T TSB Bank plc	A+	Moody's	Stable		15 Oct 2026
C Co-operative Bank plc	A	Moody's, Fitch	Stable		14 Jul 2026
C Coventry Building Society	A	Moody's, Fitch	Stable		12 Oct 2026
C Clydesdale Bank PLC	A-	S&P, Fitch	Stable		12 Oct 2026
V Virgin Money UK PLC	A-	S&P, Fitch	Stable		12 Oct 2026
Y Yorkshire Bank	A-	S&P, Fitch	Stable		12 Oct 2026
C Close Brothers Limited	BBB+	Moody's, Fitch	Negative		10 Jul 2026
M Metro Bank PLC	BB	Fitch	Positive		15 Aug 2026

H

S&P, Moody's, Fitch | 10 Jul

AA

—

C

Coutts & Company

S&P, Moody's, Fitch | 10 Jul

AA-

Stable

L

Lloyds Bank plc

S&P, Moody's, Fitch | 19 Jul

AA-

—

N

S&P, Moody's, Fitch | 19 Jul

AA-

Stable

R

Royal Bank of Scotland

S&P, Moody's, Fitch | 10 Jul

AA-

Stable

S

Sainsbury's Bank Plc

S&P, Moody's, Fitch | 10 Jul

AA-

Stable

T

S&P, Moody's, Fitch | 10 Jul

A+

Stable

T

Moody's | 15 Oct

A+

Stable

C

Co-operative Bank plc

Moody's, Fitch | 14 Jul

A

Stable

C

Coventry Building Society

Moody's, Fitch | 12 Oct

A

Stable