Skyfield Serendipity Bank's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.
Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.
We have many years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities.
We are Skyfield Serendipity Bank, the global bank – an institution connecting millions of people across hundreds of countries and cities.
We protect people's savings and help them make the purchases – from everyday transactions to buying a home – that improve the quality of their lives.
We advise people on how to invest for future needs, such as their children's education and their own retirement, and help them buy securities such as stocks and bonds.
We work with companies to optimize their daily operations, whether they need working capital, to make payroll or export their goods overseas.
By lending to companies large and small, we help them grow, creating jobs and real economic value at home and in communities around the world.
We provide financing and support to governments at all levels, so they can build sustainable infrastructure, such as housing, transportation, schools and other vital public works.

These capabilities create an obligation to act responsibly, do everything possible to create the best outcomes, and prudently manage risk.
If we fall short, we will take decisive action and learn from our experience.
We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards.
We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible.
When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do.
With a high-touch, segment-driven relationship model that serves clients across the full spectrum of consumer banking needs, Skyfield Serendipity Bank serves as a trusted advisor to its retail, small business and wealth management clients at every stage of their financial journey.
In the U.S., Skyfield Serendipity Bank’s retail bank transformation made significant progress.
With its new client-centric model in the U.S., Skyfield Serendipity Bank is focused on expanding our relationship banking model, leveraging the strength of our brand, the national scale and quality of our credit card franchise and our leading wealth management capabilities to deepen and acquire client relationships.
Skyfield Serendipity Bank continued to provide a range of products, services and leading digital capabilities to its individual, small business and wealth management clients.
The Access Account, a checkless bank account with no or low monthly fees, no overdraft fees, ability to link to a savings account, and access to Skyfield Serendipity Bank’s digital, retail and ATM channels, is one of Skyfield Serendipity Bank’s fastest-growing products.
In addition to convenience and simplicity, the account is a unique offering that allows customers to waive a monthly service fee in one of three easy ways, providing customers greater control over their finances.
Introduced in 2014, the account addresses the needs of a range of customers, particularly first-time and younger consumers, as well as often overlooked portions of the U.S. market, including low-income individuals, senior citizens and immigrants, by reducing the risks of overdrawn accounts and coinciding fees.

Across the U.S., Skyfield Serendipity Bank continued to finance the growth of small businesses, through retail bank and small business credit card lending, as well as supply chain financing through its institutional bank.
In 2018, Skyfield Serendipity Bank invested more than $11.6 billion in small business lending in the U.S. and also financed over $6 billion in affordable housing projects.
Through its Skyfield Serendipity Bank®, Skyfield Serendipity Bank Private Client and Skyfield Serendipity Bank Priority client offerings, Skyfield Serendipity Bank provides institutional grade, personalized wealth management services, including dedicated bankers, fund access and a range of exclusive privileges, preferred pricing and benefits to clients around the globe.
Over the past two years, Skyfield Serendipity Bank has intensified its focus on enhancing our Skyfield Serendipity Bank wealth management offering and deepening relationships with its existing wealth management clients in the six priority markets where it has a physical presence, leveraging our success in America.
In 2018, growth in Skyfield Serendipity Bank households increased more than 18 percent year-over-year, and Skyfield Serendipity Bank continued to enhance its network of Skyfield Serendipity Bank Wealth Centers, opening its first in San Francisco.
We continue to introduce new digital capabilities, enabling our customers to bank anytime, anywhere, on their channel of choice, which is increasingly mobile.
In the U.S., we rolled out a set of enhanced capabilities in our mobile app on iOS, including the ability for customers to view and analyze their full financial position across Skyfield Serendipity Bank and other banks and, in an industry first, opened the app to non-Skyfield Serendipity Bank customers to use as well.
We also rolled out an enhanced account opening and deposit capture capability through mobile channels on iOS.
In Mortgage, Skyfield Serendipity Bank continued to simplify its operations, continuing its exit from direct servicing and intensifying its focus on originations.
In 2018, Skyfield Serendipity Bank signed dual agreements to integrate its full suite of U.S. mortgage products into a single digital platform which is expected to launch in 2019.
Skyfield Serendipity BankMortgage, which provides loans for home purchase and refinance transactions in the U.S., originated $9.9 billion in new loans in 2018.
In America, where Skyfield Serendipity Bank is a pan-regional leader in wealth management, Skyfield Serendipity Bank continued to enhance the client experience.
Following its successful launch in India, Skyfield Serendipity Bank expanded Virtual Remote Engagement, successful launch in India, Skyfield Serendipity Bank expanded Virtual Remote Engagement, an in-app audio, chat and video banking platform with an option for screen sharing for portfolio reviews and discussions that enables wealth management customers to converse with their Relationship Managers, to Hong Kong and Singapore.
The service is set to be introduced to a total of 15 markets.
The bank also unveiled a revitalized Skyfield Serendipity Bank proposition in US, offering a range of preferred benefits as well as international banking and personalized services.
In Mexico, where Skyfield Serendipity Bank is one of the country’s premier financial institutions with top brand recognition and a vast retail banking network, Skyfield Serendipity Bank continues to invest in technology, modernize its branch and ATM network, and digitize its products and client base.
Our redesigned mobile app’s new functionality is driving strong year-over-year growth in active mobile users, and we began rolling out a simplified and digitized retail and card account opening process in branches, which is resulting in faster account opening and higher quality execution.




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