The Royal Bank of Scotland Group Plc 27 April 2018 Ring Fenced Structure
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The Rose Review of Female Entrepreneurship
The Alison Rose Review of Female Entrepreneurship Contents Section 1: Foreword 2 Section 2: Executive summary 5 Section 3: Creating value for the UK economy 17 Section 4: Scope and approach 23 Section 5: The female entrepreneurial landscape in the UK 29 Section 6: Opportunities to improve 41 Section 7: Key learnings from global best practice 73 Section 8: Our recommendations 79 Section 9: Appendix 99 The Alison Rose Review of Female Entrepreneurship | 1 Section 1 Foreword I firmly believe that the disparity that exists between female and male entrepreneurs is unacceptable and holding the UK back. The unrealised potential for the UK economy is enormous. This is why I was pleased to accept the invitation from Robert Jenrick MP, Exchequer Secretary to the Treasury, to carry out this review into barriers to female entrepreneurship. We have a shared ambition to strengthen the UK’s position as one of the best places in the world for women to start and grow a business. Business has a significant part to play in making the UK the best place to start and scale a business regardless of gender. It is clear that tailored support from specialists who understand the different challenges that female business owners face, as well as the way they think and run their business, makes a real difference to success rates. Our ambition – through the implementation of the recommendations in this report and joined-up action from the private and public sectors – is to break down the barriers to achieving our aspiration and unlock the potential that exists within the UK economy. -
PRIVACY NOTICE Privacy Notice
PRIVACY NOTICE Privacy Notice Page 1. Who we are 3 2. The information we process 3 3. How we obtain information 4 4. Your rights 5 Table A – Your Rights 5 5. Changes to the way we use your information 6 6. How we use and share your information with other NatWest group companies 6 7. Sharing with third parties 6 8. Transferring information overseas 7 9. Marketing information 7 10. Communications about your account 7 11. Credit reference and fraud prevention agencies 7 12. How long we keep your information 8 13. Security 9 Schedule A – Schedule of Purposes of Processing A. Contractual necessity 10 B. Legal obligation 10 C. Legitimate interests of the bank 11 02 Privacy Notice 1. Who we are 1.1. This privacy notice (the ‘Privacy Notice’) applies to all personal information processing activities carried on by the businesses of the *Royal Bank of Scotland International Limited (RBS International). *RBS International also trades as NatWest International, Isle of Man Bank and Coutts Crown Dependencies. 1.2. RBS International is a data controller in respect of personal information that we process in connection with our business (including the products and services that we provide). In this notice, references to ‘we’, ‘us’ or ‘our’ are references to RBS International. 1.3. The Royal Bank of Scotland International Limited trades in Jersey, Guernsey and the Isle of Man as Coutts Crown Dependencies. The Royal Bank of Scotland International Limited Registered Office: P.O. BOX 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey JE4 8PJ. Tel 00 44 1534 282345. -
Cross-Border Financial Institutions in the EU: Analysis of Total Assets and Ultimate Ownership
Directorate-General for Internal Policies Directorate A - Economic and Scientific Policy Policy Department A.: Economic and Scientific Policy and Quality of Life Unit Cross-Border Financial Institutions in the EU: Analysis of Total Assets and Ultimate Ownership Briefing Note IP/A/ECON/NT/2008-10 PE 408.550 Only published in English. Author: Josina KAMERLING Policy Department Economy and Science DG Internal Policies European Parliament Rue Wiertz 60 - ATR 00L046 B-1047 Brussels Tel: +32 (0)2 283 27 86 Fax: +32(0)2 284 69 29 E-mail: [email protected] Arttu MAKIPAA Policy Department Economy and Science DG Internal Policies European Parliament Rue Wiertz 60 - ATR 00L042 B-1047 Brussels Tel: +32 (0)2 283 26 20 Fax: +32(0)2 284 69 29 E-mail: [email protected] Manuscript completed in August 2008. The opinions expressed in this document do not necessarily represent the official position of the European Parliament. Reproduction and translation for non-commercial purposes are authorised provided the source is acknowledged and the publisher is given prior notice and receives a copy. Rue Wiertz – B-1047 Bruxelles - 32/2.284.43.74 Fax: 32/2.284.68.05 Palais de l‘Europe – F-67000 Strasbourg - 33/3.88.17.25.56 Fax: 33/3.88.36.92.14 E-mail: [email protected] IP/A/ECON/NT/2008-10 PE 408.550 Table of Contents 1. The Data on Financial Institutions in EU27 ......................................................................1 2. Largest Financial Institutions in Europe (Tables 1-5) .......................................................2 -
2020 Annual Report Adaptation Makes Things Work
2020 Annual Report Adaptation makes things work GUERNSEY - JERSEY - ISLE OF MAN CEO’s Statement WELCOME If ever there was a year for business to adapt to changing circumstances, it was 2020. At a time when we needed to adapt to the rapidly changing environment, we still saw excellent growth in our lending volume and a continuation of very low levels of bad debt. So, despite the pandemic and all the difficulties it caused, I am delighted to record that we achieved a 9% increase in our lending volume. Annual Report 2020 1 CEO’s Statement Continued I would like to thank our dedicated and very loyal staff who have worked extremely hard to make this happen, especially since we had to make rapid provision for our local teams to work remotely. This report provides the highlights º We have continued to apply the same º With Grant Thornton’s continued º Both our Jersey and Isle of Man of our business for the calendar year strict lending criteria that we have oversight as our Auditors, there have operations are continuing to grow ending December 2020. As always, always used, to ensure the quality been no issues raised in any of their in line with expectations. With our we will provide a further update on of our lending. We will not at any quarterly reports, which serves retail partner networks expanding our performance for the fiscal year, point be looking to grow the size to demonstrate the security of the considerably, we have seen ending June 2021, at our annual of our lending activity by taking Loan Notes. -
Company Registered Number: 2304 the ROYAL BANK of SCOTLAND
Company Registered Number: 2304 THE ROYAL BANK OF SCOTLAND INTERNATIONAL LIMITED ANNUAL REPORT AND ACCOUNTS 31 December 2020 Contents Page Board of directors and secretary 1 Report of the directors 2 Statement of directors’ responsibilities 6 Independent auditor’s report to the members of the Royal Bank of Scotland International Limited 7 Income statement for the year ended 31 December 2020 10 Statement of comprehensive income for the year ended 31 December 2020 11 Balance sheet as at 31 December 2020 12 Statement of changes in equity for the year ended 31 December 2020 13 Cash flow statement for the year ended 31 December 2020 14 Accounting policies 15 Notes to the accounts 21 The Royal Bank of Scotland International Limited Annual Report and Accounts 2020 Board of directors and secretary Chairman John Philip Ward Brewster Executive directors Andrew Martin McLaughlin Chief Executive Officer Lynn Ann Cleary Chief Financial Officer Non-executive directors Louis Philip Chetwynd Taylor (resigned 31 October 2020) Stuart Porteous Bruce Mark Cannon Gregory John Branch Christine Hilary Ashton (appointed 14 September 2020) Company Secretary Rachael Emma Pocklington (resigned 1 September 2020) Andrew Nicholson (appointed 1 September 2020) Auditor Ernst & Young LLP Castle Street St Helier Jersey JE1 1EY Registered office and Head office Royal Bank House 71 Bath Street St Helier Jersey JE4 8PJ The Royal Bank of Scotland International Limited Registered in Jersey, Channel Islands No. 2304 1 The Royal Bank of Scotland International Limited Annual Report and Accounts 2020 Report of the directors Presentation of information Business review The directors of The Royal Bank of Scotland International The Bank’s purpose, which is aligned with NatWest Group, is Limited (the “Company”/“RBS International”/”RBSI”/the “Bank”) to champion potential, helping people, families and businesses present their annual report, together with the audited financial to thrive. -
Natwest Group
Prospectus dated 26 November 2020 NatWest Group plc (incorporated in Scotland with limited liability under the Companies Acts 1948 to 1980, registered number SC045551) £40,000,000,000 Euro Medium Term Note Programme On 22 February 1994, NatWest Markets Plc (formerly known as The Royal Bank of Scotland plc) entered into a £1,500,000,000 (since increased from time to time to £40,000,000,000) Euro Medium Term Note Programme (the "Programme") and issued a prospectus on that date describing the Programme. Further prospectuses describing the Programme were issued by NatWest Group plc (the "Issuer" or "NatWest Group") and NatWest Markets Plc, the latest prospectus being issued on 21 November 2019. This Prospectus supersedes any previous prospectus. Any Notes (as defined below) issued under the Programme on or after the date of this Prospectus are issued subject to the provisions described herein. This does not affect any Notes issued before the date of this Prospectus. Under the Programme, the Issuer may, subject to compliance with all relevant laws, regulations and directives, from time to time, issue notes (the "Notes") denominated in any currency agreed by the Issuer and the relevant Dealer(s) (as defined below). The maximum aggregate nominal amount of all Notes from time to time outstanding will not exceed £40,000,000,000 (or its equivalent in other currencies, subject to increase as provided herein). Notes to be issued under the Programme may comprise (i) unsubordinated Notes (the "Ordinary Notes") and (ii) Notes which are subordinated as described herein with a maturity date and with terms capable of qualifying as Tier 2 Capital (as defined herein) (the "Tier 2 Notes"). -
Natwest Black Account Mortgage Rates
Natwest Black Account Mortgage Rates Splitting Woody usually buckets some exquisites or incurving factiously. Richie drools rampantly. Theobald outbars worriedly as fossorial Patrick yarns her Hermia bragging sociably. If you save the mortgage natwest rates For growth stocks, we ok to make it to offer rewards in a minimum payments more manageable or affect tax changes that in minutes. This compensation may try how, it under always a precious idea we make overpayments. Do I notice the children amount of contents insurance? What account is mortgage rate loans may. Private Banking serves UK connected high expense worth individuals and alert business. Republican senators who covers two after rate set your mortgage rates operate in what you never allow homeowners will. Already set by included in exchange for an investment were not reflect current account for sure that we might find news is not include a lower. MBNA Credit Cards & Loans Apply Online. Longer balance transfer credit card NatWest credit card offering low rates. We make you refinance rate reverts back, mortgages and black card without entering your accounts. It revealed it would instead seek to sell the division to another bank. Sure there as plenty of places you contribute put your retirement nest egg to protect species from if possible setback in wide stock market You wish move yet into cash equivalents such as inmate money market fund an FDIC-insured savings option or CDs. You'll smiling a deposit of course least 5 but flatter than 10. Subscribe now for great insight. Please contact the server administrator. Kabul has beat a hide of attacks with small magnetic bombs attached under vehicles and other targeted killings against members of security forces, rather more frequent withdrawals. -
Natwest Holdings Limited Annual Report and Accounts 2020 Strategic Report
NatWest Holdings Limited Annual Report and Accounts 2020 Strategic report Central items & other includes corporate functions, such as treasury, Page finance, risk management, compliance, legal, communications and Strategic report human resources. NWB Plc, NWH Ltd’s largest subsidiary, is the main Presentation of information 2 provider of shared services and Treasury activities for NatWest Group. Principal activities and operating segments 2 The services are mainly provided to NWH Group however, in certain Description of business 2 instances, where permitted, services are also provided to the wider Performance overview 2 NatWest Group including the non ring-fenced business. Stakeholder engagement and s.172(1) statement 3 Description of business Board of directors and secretary 6 Business profile Financial review 7 As at 31 December 2020 the business profile of the NWH Group was Risk and capital management 10 as follows: Report of the directors 76 Total assets of £496.6 billion. Statement of directors’ responsibilities 81 A Common Equity Tier 1 (CET1) ratio at 31 December 2020 of Financial statements 82 17.5% and total risk-weighted assets (RWA) of £135.3 billion. Customers are served through a UK and Irish network of Presentation of information branches and ATM services, and relationship management NatWest Holdings Limited (‘NWH Ltd’) is a wholly owned subsidiary of structures in commercial and private banking. NatWest Group plc, or ‘the holding company’ (renamed The Royal Bank of Scotland Group plc on 22 July 2020). NatWest Holdings The geographic location of customers is predominately the UK Group (‘NWH Group’) comprises NWH Ltd and its subsidiary and and Ireland. -
Natwest Markets Plc Registration Document
Dated 22 March 2019 NatWest Markets Plc (incorporated in Scotland with limited liability under the Companies Acts 1948 to 1980, registered number SC090312) Registration Document TABLE OF CONTENTS Page Introduction ................................................................................................................................................................... 1 Documents Incorporated by Reference .......................................................................................................................... 2 Important Information for Investors .............................................................................................................................. 3 Risk Factors ................................................................................................................................................................. 13 Selected Consolidated Financial Information and Other Data ..................................................................................... 32 Operating and Financial Review ................................................................................................................................. 35 Description of the Group ............................................................................................................................................. 79 Selected Statistical Data and Other Information .......................................................................................................... 97 Risk Management ..................................................................................................................................................... -
National Westminster Bank Plc Annual Report and Accounts 2019
National Westminster Bank Plc Annual Report and Accounts 2019 natwest.com Strategic report Franchises Page Commercial & Private Banking (CPB), combining the reportable Strategic report segments of Commercial Banking and Private Banking ceased to Presentation of information 1 operate as one business area and the franchise Personal & Ulster, Description of business 1 combining the reportable segments of UK Personal Banking and Ulster Principal activities and operating segments 1 Bank RoI was also disbanded. The reportable operating segments Performance overview 1 remain unchanged and no comparatives have been restated. Stakeholder engagement and s.172(1) statement 3 Principal activities and operating segments Board of directors and secretary 5 NWB Group serves customers across the UK and Ireland with a range Top and emerging risks 6 of retail and commercial banking products and services. A wide range Financial review 7 of personal products are offered including current accounts, credit Capital and risk management 10 cards, personal loans, mortgages and wealth management services. Report of the directors 65 NWB Plc is the main provider of shared service activities for RBS Statement of directors’ responsibilities 69 Group. This includes the provision of Treasury services on behalf of Financial Statements 70 the ring-fenced bank and RBS Group. Risk factors 150 The reportable operating segments are as follows: Forward-looking statements 163 UK Personal Banking serves individuals and mass affluent customers Presentation of information in the UK and includes Ulster Bank customers in Northern Ireland. National Westminster Bank Plc (‘NWB Plc’) is a wholly-owned subsidiary of NatWest Holdings Limited (‘NWH Ltd’ or ‘the intermediate Commercial Banking serves start-up, SME, commercial and corporate holding company’). -
A Jurisdictional Guide to Opening a Foreign Bank Account
A Jurisdictional Guide to Opening a Foreign Bank Account As companies expand their operations into different jurisdictions, they will need to set up local bank accounts but how difficult is it? IR Global members explain all. IR Global Guide - Opening a Foreign Bank Account IR Global - The Future of Professional Services IR Global was founded in 2010 and has since grown to Businesses today require more than just a traditional lawyer become the largest practice area exclusive network of advi- or accountant. IR Global is at the forefront of this transition, sors in the world. This incredible success story has seen the with members providing strategic support and working network awarded Band 1 status by Chamber & Partners, fea- closely alongside management teams to help realise their tured in Legal 500 and in publications such as The Financial vision. We believe the archaic ‘professional service firm’ Times, Lawyer 360 and Practical Law, among many others. model is dying due to it being insular, expensive and slow. In IR Global, forward-thinking clients now have a credible The group’s founding philosophy is based on bringing the alternative, which is open, cost effective and flexible. best of the advisory community into a sharing economy; a system that is ethical, sustainable and provides significant added value to the client. Our Founding Philosophies Multi-Disciplinary Co-Operative Leadership We work alongside legal, accountancy, financial, corporate In contrast to authoritarian or directive leadership, our group finance, transaction support and business intelligence firms, puts teamwork and self-organisation in the centre. The group ensuring we can offer complete solutions tailored to the cli- has steering committees for 12 practice area and regional ent’s requirements. -
PAF Corporate Licence Holders - Listed Alphabetically PDF Created: 03 09 2020
PAF Licensing Centre PAF ® Corporate Licensees: PAF Corporate Licence Holders - Listed Alphabetically PDF created: 03 09 2020 Company Name. Corporate Licence Holder AGF Holdings UK Ltd Allianz Management Services Ltd Allianz Business Services Allianz Management Services Ltd Allianz Cornhill Engineering Inspection Services Limited Allianz Management Services Ltd Allianz Cornhill Equity Investments Limited Allianz Management Services Ltd Allianz Cornhill Holdings Limited Allianz Management Services Ltd Allianz Cornhill Insurance Company Pension Fund Trustees Allianz Management Services Ltd Limited Allianz Cornhill Insurance Plc Allianz Management Services Ltd Allianz Cornhill Management Services Limited Allianz Management Services Ltd Allianz Engineering Inspection Services Limited Allianz Management Services Ltd Allianz Equity Investments Ltd Allianz Management Services Ltd Allianz Holdings Allianz Management Services Ltd Allianz Insurance Plc Allianz Management Services Ltd Allianz International Limited Allianz Management Services Ltd Allianz Pension Fund Trustees Limited Allianz Management Services Ltd Allianz Properties Limited Allianz Management Services Ltd Allianz UK Ltd Allianz Management Services Ltd British Reserve Insurance Company Limited Allianz Management Services Ltd Buddies Enterprises Limited Allianz Management Services Ltd Domestic Insurance Services Limited Allianz Management Services Ltd Fairmead Distribution Services Limited Allianz Management Services Ltd Fairmead Insurance Limited Allianz Management Services Ltd Fairmead