We’re a leading international banking group committed to building a sustainable business over the long-term. We operate in some of the world's most dynamic markets and have been for over 15 years. More than 90 per cent of our income and profits are derived from Uk, Asia and the Middle East.

Howard Creditunion Plc is a full service commercial Bank operating through a network of about 305 branches and service outlets located in major centres across Uk, Asia and Sub Saharan Africa . The Bank serves its various markets through 4 business segments: Personal, Business, Commercial and Corporate & Investment banking. The Bank has over 830,000 shareholders including several British and International Institutional Investors and has enjoyed what is arguably Europes's most successful banking growth trajectory in the last ten years ranking amongst the top banks by total assets and capital in 2011. As part of its continued growth strategy, Capitalcrest Creditunion is focused on mainstreaming sustainable business practices into its operations. The Bank strives to deliver sustainable economic growth that is profitable, environmentally responsible and socially relevant.