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Virgin Money UK PLC (formerly CYBG PLC) s a full-service bank focused on UK consumers and small and medium-sized enterprises (SMEs), operating under the Clydesdale Bank, Yorkshire Bank and B brands. VUK serves nearly three million customers through an omni-channel model of online, mobile and telephone banking, together with a network of 169 branches and 40 business banking centres, located mostly in the UK's economic heartlands of Scotland, the north of England and the Midlands.