Virgin Money UK Plc, a leading bank in the United Kingdom, boasts a low risk rating score of 17.9. The company was born from the merger of CYBG PLC and Virgin Money, with a focus on environment, sustainability, and governance (ESG). After undergoing restructuring and recapitalization post-divestment from National Australia Bank, Virgin Money UK now has mortgages making up 79% of its total loans, personal loans at 9%, and SME and business loans at 12%.