Tell us about your company?
Handelsbanken is one of the world’s strongest banks with a business model unchanged for over 40 years which let us navigate the financial crisis untroubled, supporting our customers along the way. As is the case for all our branches both worldwide and in the UK (where we now have over 200) here at our Heswall branch locally based people grow the business and make the majority of credit decisions. With no targets to meet we focus on banking customers who value an excellent relationship and service. Our approach is straightforward; it’s based on simplicity, availability, high levels of service and professionalism allied with the technology you would expect any bank to have. Our Heswall branch (open since October 2014) serves our business and individual customers exclusively on the Wirral peninsula.
The success of our approach is illustrated by various independent surveys. The annual EPSI survey of UK banks showed us to be the best for customer service in both business and individual banking and in January 2016 the Government-backed Business Banking Insight survey found Handelsbanken first for current accounts, across all SME categories
Where do you want the business to be in two years?
I want Handelsbanken to be known as THE bank on the Wirral for both business and individual customers who value the relationship with their bank together with quality service delivered locally. This has typically been what has happened wherever we have opened in the UK as people generally want to be well looked after by local, professionals who they know are available and there first and foremost to support them. No doubt our membership of the Wirral Chamber will play a major part in this!
What is your background?
My background is that of a typical banker. I left school in 1985 having studied for A levels and then joined Barclays (completing the pre requisite professional banking qualifications and then extending it to a BA(hons)) where, until I left in 2003, I was a Corporate Manager covering predominantly the Wirral. I then joined Handelsbanken in Manchester (we only had 7 branches in the UK then) before moving to our new Liverpool office in 2005 and latterly opening our branch covering the Wirral.
If you could suggest one thing to Government to help business growth what would it be?
There will always be many things that central government (and increasingly regional government) can do to assist business. But in general I’m a great believer that left to their own devices people make the best of themselves and their businesses so the less red tape the better and just support business people doing what they are good at – running their businesses.
What do you do to relax away from the office?
I like to get out and run (weather permitting of course – I’m not obsessed). It gives me a chance to breathe some fresh air and to put the headphones on and listen to a little U2 or Manic Street Preachers.
What hobbies do you have?
For my sins I still play football – veterans to be precise. We have an over 35s and an over 45s team but in the former it’s becoming very hard work playing against the youngsters!
What one piece of advice would you give an 18 years old Richard Malley starting out today?
Believe that you always have something to contribute. It’s easy to think that the more experienced have all the answers but quite often this means that the answers are always the same and nothing changes.
We’d be delighted to talk to Chamber members about their banking needs so please feel free to get in touch - email@example.com - and we can hopefully meet up.