Platform Overview
2025 Annual Report Experian BusinessView SIC Level 1/2/4 Filters WCAG 2.2 AA

A national intelligence platform for gender-inclusive finance

Not a submission portal. A real-time benchmarking and transparency ecosystem β€” built for banks, built for accountability, built on Experian data.

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Homepage
/

Hero, live gender stats, Experian data preview, signatory marquee, annual report download, features grid.

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About
/about

Mission statement, interactive timeline, how reporting works step-by-step, stakeholder types, governance.

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Insights & Reports
/insights

Annual report hub, interactive gender funding charts, download centre, sector/year/region filter.

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Register
/register

5-step SaaS onboarding: org details β†’ institution type β†’ reporting contact β†’ commitment β†’ access.

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Accessibility
/accessibility

WCAG 2.2 AA compliance, keyboard nav, screen reader support, contact, roadmap.

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Login
/login

Passwordless + SSO + MFA. Split-screen enterprise auth with security trust indicators.

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Dashboard Home
/dashboard

Gender benchmark snapshot, submission status ring, AI recommendations, deadlines, quick actions.

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Upload Centre
/dashboard/upload

Drag & drop submission. Category cards: lending, investment, diversity metrics, policy documentation.

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Reports & Benchmarking
/dashboard/reports

Gender benchmark vs industry, trend analysis, AI narrative, export PDF/CSV/board summary.

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Settings
/dashboard/settings

Team management, roles/permissions, SSO config, API integrations, audit logs, notifications.

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Organisation Profile
/dashboard/profile

Public signatory profile, diversity commitments, reporting history, leadership statement.

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CODE Dashboard
/code-dashboard

National ecosystem intelligence: ecosystem metrics, regional heatmaps, submission pipeline, diversity index.

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Organisation Management
/code-dashboard/organizations

Institution table, compliance indicators, risk scoring, submission history, approval workflows.

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Submission Review
/code-dashboard/submissions

Review queue, AI flag assistant, side-by-side validation, approve/reject/request update.

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National Reporting
/code-dashboard/reports

Annual report builder, institution comparison, diversity impact correlation, publish to public portal.

2025 ANNUAL REPORT Β· LIVE DATA

Driving transparency and investment into women-led businesses

A modern intelligence platform helping financial institutions benchmark, measure, and improve gender diversity across UK business banking and lending.

ENDORSED BY LEADING UK INSTITUTIONS
British Business Bank UK Finance BVCA UKBAA
UK BANKING Β· Q3 2025
Diversity Intelligence
LIVE
FEMALE-LED
28.4%
+3.1 pts YoY
MIXED
33.7%
+1.8 pts YoY
MALE-LED
37.9%
βˆ’4.9 pts YoY
+Β£1.2BN TRACKED
Accounts opened Β· Lending approved
MarAprMayJunJulAugSep
Leadership mix
62% DIVERSE
Approval rate by sector ↑ 4.2% MoM
Tech
Health
Retail
Fin
Edu
Mfg
ANNUAL REPORT Β· 2025

Investing in Women Code

The fifth annual report on UK gender diversity in business banking and lending.

HM TREASURY 2025
2025 ANNUAL REPORT

Five years of measurable progress in inclusive finance

A comprehensive look at how 182 signatory institutions have shifted capital, policy, and culture toward equitable outcomes for women-led businesses.

Β£42.8bn
Total funding tracked
182
Signatory institutions
+12.7%
YoY lending growth
SIGNATORIES

Trusted by leading financial
institutions across the UK

Barclays
NatWest
HSBC
Lloyds
Santander
Standard Chartered
Monzo
Starling
Triodos
Metro Bank
Virgin Money
TSB
Coutts
Aldermore
OakNorth
JOIN THE MOVEMENT

Building a more transparent and inclusive financial ecosystem

Become a signatory or request a demo of the IWC intelligence platform β€” and help shape the next decade of UK business banking.

Β© 2025 Investing in Women Code Β· Intelligence Platform
Platform Overview Accessibility Governance Privacy Reports Contact Terms

Gender Diversity Intelligence

πŸ“Š Experian BusinessView
Gender: All βœ•

UK Business Gender Directorship β€” 2025

1,001,067 businesses Β· Experian Bureau + BusinessView enrichment Β· All SIC levels Β· All UK regions
β–² 12.4% female YoY
100% Female-Led
127,841
12.8% of all UK businesses
Mixed Directorship
284,192
28.4% of all UK businesses
100% Male-Led
589,034
58.8% of all UK businesses
Female 12.8% Mixed 28.4% Male 58.8%
New accounts opened (female)
14,203
β–² 8.2% vs 2024
New accounts opened (mixed)
31,847
β–² 4.1% vs 2024
Sole traders (female)
48,221
37.7% of female total
Female shareholders
19.4%
β–² 1.8pp vs 2024
Total loans β€” female
Β£842M
β–² 14.2% YoY
Approved overdrafts β€” female
Β£214M
β–² 6.8% YoY
Avg loan β€” female vs male
68%
Gap narrowing
High-growth female businesses
4,821
β–² 22.1% YoY

Gender diversity trend β€” accounts opened

Primary current accounts by gender directorship, 2020–2025
Female-ledMixedMale-led

Female-led businesses by SIC Level 1

% female directorship per sector

Sample Business Intelligence β€” Experian Enriched

Filterable by gender, SIC L1/L2/L4, region, business type Β· Showing 8 of 1,001,067
Business TypeGenderSIC L1SIC L2SIC L4AccountsTotal LoansOverdraftsGrowthEmployment
Single Director Ltd● FemaleKFinance6464193Β£142,000Β£18,500High8–19
Sole Trader● FemaleQHealth8686211Β£28,000Β£5,000Medium1–4
Multiple Director Ltd◐ MixedMProfessional6969107Β£520,000Β£65,000High20–49
Partnership◐ MixedGRetail4747112Β£88,000Β£12,000Medium5–9
Single Director Ltd● MaleFConstruction4141204Β£310,000Β£42,000High10–19
Sole Trader● FemalePEducation8585531Β£14,500Β£3,200Low1–4
Multiple Director Ltd● MaleJTech6262019Β£1,240,000Β£180,000High50–99
Partnership● FemaleIHospitality5656102Β£67,000Β£9,800Medium5–9
Signatory Programme

Join the institutions shaping inclusive finance

Become an IWC signatory and gain access to the UK's most comprehensive gender diversity lending intelligence platform, powered by Experian BusinessView.

Access Experian-enriched gender diversity data across all SIC sectors

Benchmark your portfolio against 72 peer institutions and IWC averages

Generate annual compliance reports and board-ready PDF summaries

AI-assisted data validation and submission quality scoring

Public signatory profile and IWC transparency badge

Current signatories include
Barclays NatWest Lloyds HSBC Santander +67 more
Register your organisation β€” Step 1 of 5
1
Organisation
2
Type
3
Contact
4
Commitment
5
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Already registered? Sign in here
IWC CODE Platform
Admin Console
Overview
πŸ›°οΈ Ecosystem Intelligence
🧬 Gender Index
πŸ—ΊοΈ Regional View
Manage
πŸ›οΈ Organisations
πŸ“‹ Submissions
⚠️ Compliance Alerts
Publishing
πŸ“ Benchmarking
πŸ“° Report Builder
🌐 Public Portal

National Ecosystem Intelligence

IWC CODE Platform Β· Last updated: today 09:41 Β· 2025 reporting cycle
Active Signatories
72
β–² 8 new this cycle
Submissions Complete
89%
β–² 6pp vs 2024
Total Funding Tracked
Β£4.2B
β–² 14.1% YoY
Female-Led Funded
23.4%
β–² 2.1pp YoY

Gender funding distribution across all signatories β€” 2025

Lending split by gender classification, Experian enriched
Female-ledMixedMale-led

Submission pipeline β€” 2025 cycle

Current status across 80 active signatories
Approved: 64
In Review: 8
Action Req: 4
Not started: 4

Organisation compliance tracker

2025 submission status Β· All active signatories
InstitutionTypeStatusFemale-Led %YoYRisk
Barclays Bank UKHigh Street Bank● Approved24.8%β–² 2.1ppLowView β†’
Innovate Finance LtdChallenger Bank⏳ Under Review31.2%β–² 5.4ppMediumReview β†’
Northern Ventures VCVenture Capital⚠ Action Required14.1%β–Ό 1.2ppHighAction β†’
Metro Bank PLCHigh Street Bank● Approved22.3%β–² 0.8ppLowView β†’
INVESTING IN WOMEN CODE

Welcome back to the IWC Platform

Access your gender diversity intelligence dashboard, submit annual data, and benchmark your institution against the UK ecosystem.

72
Active signatories
Β£4.2B
Funding tracked
23%
Women-led funded
πŸ”’ WCAG 2.2 AA πŸ›‘οΈ Gov-aligned security πŸ” SSO & MFA supported

Sign in

Access your signatory account

or sign in with email
πŸ” This platform uses multi-factor authentication. You'll be asked to verify your identity after signing in.
Not yet a signatory? Become a Signatory β†’
2025 ANNUAL REPORT

Download the IWC Annual Report 2025

Five years of measurable progress in inclusive finance. A comprehensive look at how 182 signatory institutions have shifted capital, policy, and culture toward equitable outcomes for women-led businesses.

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Full PDF Report
Complete annual report with all data, methodology and signatory analysis. 84 pages.
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Interactive Edition
Explore charts, filter by sector and region, and interrogate the data live.
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Data Summary
Key statistics and headline findings. Two-page executive summary for boards.
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Get future reports straight to your inbox
Subscribe to be notified when new IWC reports and insights are published.
SIGNATORY PROGRAMME

Join the institutions leading inclusive finance

By becoming a signatory you commit to measuring, improving and reporting on gender diversity in your lending and investment activity.

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Access Gender Intelligence

Experian-enriched data on 1M+ UK businesses β€” filtered by gender, SIC sector and region.

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Benchmark Your Portfolio

Compare your lending and investment performance against 182 peer institutions and IWC averages.

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Public Signatory Badge

Demonstrate your commitment publicly with an IWC signatory profile and transparency badge.

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Streamlined Reporting

Annual submission workflow with AI-assisted validation and board-ready PDF report generation.

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Regional Insights

Understand gender diversity patterns by region across all UK geographies.

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AI-Assisted Validation

Automatic anomaly detection, missing field alerts and data quality scoring on every submission.

REQUEST A DEMO

See the IWC Intelligence Platform in action

We'll walk you through the gender diversity dashboard, signatory benchmarking tools, and annual reporting workflow β€” tailored to your institution type.

1
30-minute live walkthrough
Tailored to banks, VC, PE or angel networks
2
Live gender intelligence data
Experian BusinessView demo with your sector filters
3
No commitment required
Explore before you register as a signatory

Book your demo

Or register directly as a signatory
ANNUAL SUBMISSION

Submit your 2025 reporting data

Your annual IWC submission covers lending data, investment data, diversity metrics and supporting evidence. Deadline: 31 July 2025.

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Lending Data

Number & value of finance applications, total loans and overdrafts split by gender.

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Investment Data

Number & value of investments into female-led and mixed-gender businesses.

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Diversity Metrics

Gender classification data, directorship split, Experian BusinessView enrichment fields.

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Supporting Evidence

Policy documents, action plans and any supporting narrative for your submission.

Not yet a signatory?
You need to be a registered IWC signatory to submit annual data.
CONTACT US

Get in touch with the IWC team

Whether you're a prospective signatory, a journalist, a researcher, or have a question about the platform β€” we're here to help.

πŸ›οΈ
Signatory enquiries
Questions about joining the IWC or your annual submission.
signatories@iwcode.gov.uk
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Press & media
Interview requests, data licensing and media enquiries.
press@iwcode.gov.uk
β™Ώ
Accessibility support
Platform accessibility issues or alternative format requests.
accessibility@iwcode.gov.uk

Send us a message

ACCESSIBILITY

Our accessibility commitment

The IWC Intelligence Platform is committed to exceeding WCAG 2.2 Level AA standards. We believe financial transparency tools must be accessible to everyone.

βœ…

WCAG 2.2 AA Compliant

All pages tested against WCAG 2.2 Level AA criteria including colour contrast, focus indicators, and alternative text.

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Keyboard Navigation

Full keyboard navigation support. All interactive elements are reachable and operable without a mouse.

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Screen Reader Support

Tested with NVDA, JAWS and VoiceOver. All charts include text alternatives and ARIA labels.

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Resizable Text

Text can be resized up to 200% without loss of content or functionality. Responsive at all viewports.

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Found an accessibility issue?
We aim to respond to all accessibility reports within 2 working days.
INSIGHTS & REPORTS

Gender diversity intelligence for UK finance

FEATURED Β· 2025

IWC Annual Report 2025

Five years of measurable progress. 182 signatories. Β£42.8bn tracked. The definitive report on gender diversity in UK business banking.

Β£42.8bn
Funding tracked
182
Signatories
+12.7%
YoY growth
Annual Report

IWC Annual Report 2024

164 signatories. Β£37.8bn tracked. YoY comparison with 2023 baseline.

Annual Report

IWC Annual Report 2023

142 signatories. Β£31.2bn tracked. First inclusion of regional heatmap data.

Research Paper

Gender Lens in UK SME Lending

Academic paper on gender bias in SME credit decisions. Co-authored with British Business Bank.

Methodology

IWC Data Methodology 2025

How we collect, validate and publish signatory data. Experian enrichment pipeline documentation.

Public Dataset

Aggregate Gender Data 2025 (CSV)

Anonymised aggregate lending and investment statistics by gender, sector and region.

Want tailored data?

Sign in to access filterable gender intelligence dashboards with your institution's sector and region.