Arbuthnot Latham
Arbuthnot Latham is a UK private and commercial bank, founded in 1833, offering relationship-driven private banking, commercial lending (including asset-based lending), and wealth management to high net worth individuals and businesses across the United Kingdom.
- Company typePublic
- Founded1833
- HeadquartersLondon, United Kingdom
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Arbuthnot Latham does
Arbuthnot Latham is a UK private and commercial bank operating under the publicly registered Arbuthnot Banking Group PLC, headquartered in London and founded in 1833. The bank operates three integrated divisions: Commercial Banking (relationship-driven lending, asset-based lending via Arbuthnot Commercial Asset Based Lending, commercial deposits, treasury services, and access to government-backed schemes such as the Growth Guarantee Scheme); Private Banking (deposits, savings, borrowing including mortgages, and treasury solutions offered to clients with a minimum wealth threshold of £750,000); and Wealth Management (wealth planning, expert-led investment management, and intermediary services for independent financial advisers).
The business model is relationship-driven and subscription-like in nature, with revenue generated from net interest income on lending, deposit margins, wealth management fees on funds under management (which reached £2.7bn in 2025, up more than a fifth year-on-year), treasury/FX margins, and transaction-related fees on asset-based lending facilities. The go-to-market relies on dedicated commercial and private bankers with sector specialization, supported by industry partnerships and earned media. The bank differentiates itself through a lower minimum wealth entry point compared to larger rivals that require tens of millions, betting that personalized service can attract the underserved mass-affluent and emerging HNW segment alongside its traditional commercial clients.
Recent strategic activity includes a vertical push into horse racing via a Newbury Racecourse partnership and a dedicated head-of-racing appointment, an asset acquisition (Asset Alliance, 2020), and ongoing asset-based lending deal flow across waste management, precast concrete, and specialist finishing sectors. Group pre-tax profit was £24.2m in the latest period, down from £35.1m, while the wealth management division remained unprofitable with a £3m loss driven by high personalization costs.
Arbuthnot Latham firmographics
Firmographics- Name
- Arbuthnot Latham
- Legal name
- Arbuthnot Banking Group PLC
- Website
- https://arbuthnotlatham.co.uk
- Company type
- Public
- Founded year
- 1833
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Arbuthnot Latham is a UK private and commercial bank, founded in 1833, offering relationship-driven private banking, commercial lending (including asset-based lending), and wealth management to high net worth individuals and businesses across the United Kingdom.
- Ownership category
- akta.pro rank
Arbuthnot Latham industry classification
Industry- Product category
- Private Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (522110), Other Nondepository Credit Intermediation (52229)
- SIC
- State Commercial Banks (6022), Personal Credit Institutions (6141), Mortgage Bankers & Loan Correspondents (6162), Investment Advice (6282)
- akta.pro primary industry
- Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)
Keywords
Where Arbuthnot Latham is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Markets served
Arbuthnot Latham business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Private Banking Services: Relationship-driven private banking services including deposits, savings, borrowing, and treasury for high net worth individuals with a £750,000 minimum wealth threshold.
- Commercial Banking Services: Commercial banking services including relationship banking, lending solutions, asset-based lending, receivables finance, property loans, government scheme access, and treasury services for businesses.
- Wealth Management: Wealth planning, investment management, and intermediary relationships for private clients. Grew funds under management by over a fifth to £2.7bn in 2025.
- Asset-Based Lending: Commercial asset based lending including receivables finance, property loans, Growth Guarantee Scheme loans, and cashflow loans delivered through Arbuthnot Commercial Asset Based Lending.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Private Banking with £750k minimum threshold |
Distribution channels1 record
Marketing channels3 records
Arbuthnot Latham product offering
Product offeringCore offering
Arbuthnot Latham is a UK private and commercial bank offering relationship-driven services across three pillars: private banking (savings, borrowing, mortgages, treasury) for high-net-worth individuals; commercial banking (relationship banking, deposits, lending solutions, asset-based lending, government-backed Growth Guarantee Scheme loans, treasury/foreign exchange) for businesses; and wealth management (wealth planning, investment management, intermediary services for independent financial advisers). Services are delivered primarily through dedicated bankers and sector specialists, founded in 1833 and operating as Arbuthnot Banking Group PLC.
Product overview
Arbuthnot Latham offers an integrated suite of private banking, commercial banking, and wealth management services. Founded in 1833, the firm provides relationship-driven banking through its core divisions: Commercial Banking (with sector specialist support, lending solutions including asset-based lending and receivables finance, commercial deposits, treasury/foreign exchange, and government schemes); Private Banking (encompassing banking services, savings accounts, borrowing including mortgages, and treasury); and Wealth Management (including wealth planning, investment management, and intermediary services for financial advisers). The three pillars work together to serve both individual private clients and business customers across the UK.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Banking Relationship-driven banking tailored to support business needs, including sector-specialist support, flexible accounts, cards, commercial deposits, lending solutions, asset-based lending, government scheme access, and treasury/foreign exchange services.
- Private Banking Relationship-driven banking for high-net-worth individuals (minimum wealth threshold of £750,000) covering tailored expertise, flexible accounts, cards, savings, borrowing including mortgages, and treasury/foreign exchange services.
- Wealth Management Relationship-driven expertise to plan, grow, and protect wealth, including wealth planning strategies, expert-led investment management, and intermediary services for independent financial advisers.
- Commercial Deposits and Savings Accounts designed to help businesses manage surplus cash and securely hold client monies, including instant access and fixed rate options.
- Commercial Lending Solutions Borrowing solutions for businesses including loans, real estate finance, asset-based lending, receivables finance, and invoice discounting, structured to support business growth, refinancing, and acquisitions.
- Government Schemes Access Service helping UK businesses access approved funding programmes and government-backed finance, including Growth Guarantee Scheme loans.
- Treasury Services (Commercial) Expert treasury support for businesses covering foreign currency, liquidity, and cashflow management.
- Private Banking Savings Accounts Instant access, notice, and fixed rate savings accounts for private banking clients.
- Private Banking Borrowing Bespoke lending for private banking clients, including mortgages and tailored borrowing solutions.
- Wealth Planning Tailored strategies for clients to protect, grow, and pass on wealth across generations.
- Investment Management Expert-led discretionary and managed portfolio service designed to grow clients' wealth; FUM grew by over a fifth to £2.7bn in 2025.
- Intermediary Relationships Dedicated intermediary service supporting independent financial advisers with banking, savings, borrowing, and investment management for their clients.
Quantifiable outcome
- Funds under management grew by over a fifth to £2.7bn in 2025
Companies that use Arbuthnot Latham
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Arbuthnot Latham technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Arbuthnot Latham partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Newbury RacecourseminorFirst formal collaboration within the horse racing industry. Provides Arbuthnot Latham with year-round branding presence across the racecourse, including in the parade ring and owners and trainers' areas. The partnership supports the bank's visibility in the racing and equine industries following the appointment of Henry Taylor as director and head of racing.
Scale indicators4 records
Recent moves5 records
Expansion highlights6 records
Arbuthnot Latham competitors and assessment
Company assessmentBroad incumbents
- Coutts: UK's flagship private bank (owned by NatWest Group) serving high-net-worth and ultra-high-net-worth clients with banking, wealth and advisory services. Comparable to Arbuthnot Latham's Private Banking pillar, though Coutts operates at the ultra-HNW end (minimum £1m+) and at materially larger scale.
- Close Brothers Group: UK merchant banking group offering commercial banking, asset-based lending (Close Brothers Asset Finance), and wealth management through Shore Capital. Direct overlap on the ABL and wealth pillars, at materially larger scale and with a more diversified platform.
- Investec UK: UK private banking and wealth management arm of Investec plc, offering relationship-driven banking, lending and investment services to HNW clients, professionals and businesses. Comparable across all three Arbuthnot Latham pillars but operating globally and at much greater scale.
- Brewin Dolphin (now RBC Wealth Management UK): UK wealth manager offering discretionary investment management, advisory and financial planning to HNW individuals. Comparable to Arbuthnot Latham's wealth planning and investment management service, though larger and now part of RBC's global wealth franchise.
Direct peers
- Hampden & Co: Independent UK private bank founded 2013, offering relationship-led banking and wealth services to high-net-worth individuals and family offices. Closest peer to Arbuthnot Latham by size, model and target segment, though newer and lacking the 19th-century heritage.
- C. Hoare & Co: Family-owned UK private bank founded 1672, offering personal banking, commercial banking and wealth management with relationship-driven service. Directly comparable to Arbuthnot Latham on heritage-led relationship banking for HNW individuals and owner-managed businesses.
- Weatherbys: UK private bank offering personal banking, commercial banking and equestrian/racing financial services. Comparable to Arbuthnot Latham on the integration of banking with sport/sector specialism (note Arbuthnot's Newbury Racecourse partnership and Henry Taylor's racing-vertical appointment).
- OakNorth Bank: UK challenger bank focused on relationship-led lending to mid-market businesses and savings products. Comparable to Arbuthnot Latham on the SME/commercial-banking pillar, though OakNorth operates at substantially larger scale and with a more technology-driven origination engine.
- Shawbrook Bank: UK specialist challenger bank offering asset finance, commercial mortgages and unsecured lending to SMEs and individuals. Overlaps with Arbuthnot Latham's ABL lending division and growth finance packages (receivables/property/GGS loans) targeting UK SMEs.
Emerging players
- St. James's Place: Leading UK wealth management group serving mass-affluent and HNW clients through an advised model with discretionary fund management. Directly comparable to Arbuthnot Latham's Wealth Management pillar, particularly the intermediated financial-adviser relationships service.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Arbuthnot Latham social profiles
Digital presenceArbuthnot Latham financial estimates
Financial estimateRevenue estimate
Valuation estimate
Arbuthnot Latham leadership team
Management profileNumber of profiles
Profiles3 records
Arbuthnot Latham funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Arbuthnot Latham M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Arbuthnot Latham
What does Arbuthnot Latham do?
Arbuthnot Latham is a UK private and commercial bank offering relationship-driven services across three pillars: private banking (savings, borrowing, mortgages, treasury) for high-net-worth individuals; commercial banking (relationship banking, deposits, lending solutions, asset-based lending, government-backed Growth Guarantee Scheme loans, treasury/foreign exchange) for businesses; and wealth management (wealth planning, investment management, intermediary services for independent financial advisers). Services are delivered primarily through dedicated bankers and sector specialists, founded in 1833 and operating as Arbuthnot Banking Group PLC.
Is Arbuthnot Latham a public or private company?
Arbuthnot Latham is a public company. It is classified as unknown and is currently operating.
When was Arbuthnot Latham founded?
Arbuthnot Latham was founded in 1833. It employs 251 to 500 people.
Where is Arbuthnot Latham based?
Arbuthnot Latham is headquartered in London, United Kingdom, in the Europe region.
How does Arbuthnot Latham make money?
Four revenue lines are on record. Private Banking Services are the primary driver. The others are commercial Banking Services, wealth Management and asset-Based Lending.
Who are Arbuthnot Latham's main competitors?
Broad incumbents on record are Coutts, Close Brothers Group, Investec UK and Brewin Dolphin (now RBC Wealth Management UK). Direct peers are Hampden & Co, C. Hoare & Co, Weatherbys, OakNorth Bank and Shawbrook Bank. St. James's Place is listed as an emerging player.
Does Arbuthnot Latham have an API?
No public API is recorded for Arbuthnot Latham.
What industry is Arbuthnot Latham in?
Arbuthnot Latham's product category is Private Banking. Its primary akta.pro industry code is FSAHAJAE, Direct Lending — Asset-Based Lending (ABL). Its NAICS code is 5221 and its SIC code is 6022.