In the second bonus episode of this ‘Good with Money’ season, Stew Denholm, Relationship Manager at Bank of Scotland, speaks in a personal capacity about banks, their role in our lives and the ethical principles that underpin best banking practice.

Some key points of interest covered in this episode include the following:

1. Stew introduces himself and talks about his Christian upbringing. [01:13]
2. Stew then goes on to describe how he became involved in the banking sector. [03:43]
3. In response to a question from Simon, Stew explains the nature of his role, working on financial projects with healthcare professionals. [06:19]
4. Simon’s follow-up question is about the requirement for a bank to make a profit, prompting Stew to explain how a strong ethical approach can be entirely consistent with that goal. [08:26]
5. Stew then provides some comments, in response to a question from Bex, outlining some steps to take in order to ensure that any loan undertaken is appropriate and manageable. [10:35]
6. When asked about the attitudes displayed by those requesting loans, Stew highlights the benefits of deliberately seeking out advice rather than assuming that current knowledge will be sufficient. [12:37]
7. As far as expressing his faith in the workplace is concerned, Stew emphasises the importance of consistently demonstrating integrity and honesty, especially when the awkward moments and difficult conversations come along. [14:29]
8. Stew acknowledges that there has been a stereotypical image of banks dealing very formally with customers, but his experience and practice is that banks now make it their top priority to be client focused and to deliver really high quality services. [16:09]
9. When given the opportunity to share some final thoughts, Stew talks passionately about stewardship and generosity being two key principles that are the hallmarks of how he aspires to use the money with which he has been entrusted by the Lord. [17:56]
10. The focus of Season 12 of the podcast will be on financial issues around ‘family matters’, with the first episode dropping on 28 January 2026. [21:09]

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