NPP Functionality and Access Consultation: Conclusions Paper
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Bank Account Information Form Payee
Bank Account Information Form The payee is responsible for the accuracy and completeness of the data entered in this form. The IAEA is not responsible for any delay in payments resulting from incorrectly supplied banking information. Bank charges resulting from incorrectly supplied information may be deducted from any subsequent payment. Only one bank account, per currency, per payee can be active for payment purposes. Please complete all required fields electronically. If not possible, please complete by hand using BLOCK CAPITALS. Please refer to the numbered instructions for help completing this form. Bank Account to which payment should be made: 01 Account Name (required) You MUST complete the Account Name above or else the IAEA cannot process the payment to your account. It is the name of the bank account; this may not be the same as the payee name and is never the account type. If unsure check a bank statement or ask your bank. The IAEA requires this information to help comply with controls on the movement of funds. Valid Examples: Person • AF E and J Z Abbas • ALing Hong • AMr Peter Smith and Ms Jane Hoff Organization • ARutherford Nuclear Institute • AIndian NMI No2 Payment Account 02 IBAN (for locations listed on reverse) or Account Number 03 SWIFT/BIC 04 Non IBAN Reference (Branch Number or Routing Number) (ABA, BSB, ACH, IFSC etc; see Instructions) 05 Bank Account Currency (if account accepts only one currency) 06 Bank Name 07 Bank Code (required if you do not have SWIFT/BIC) 08 Branch Address (Street, City, Country) Payee: Person 09 Is the above account for a Person or Organization? Organization Family Name First Name Middle Name 10 Person Information (only if you indicated Person above) 11 Organization Name (only if you indicated Organization above) 12 Payee Address (Street, City, Country, as held by your bank) 13 Remittance email address Please email, mail or fax the completed form to your IAEA contact: (For IAEA Use only) Julie Zellinger AIPS Supplier Number P.O. -
Times and the Tough Annual Report 2020 2019/20 Highlights
Banking that works for you through the good times and the tough Annual Report 2020 2019/20 Highlights Vision Recognition Value Created To be the First $ % Choice for Easy 2.730M 88 Achieved strong profit in times of Reduced landfill wasteconsumption to Understand Named Australian uncertainty of $2.730M, allowing us by 88% Banking to continue our investment in your Mutual Lender of Credit Union The Year % Mission 77 Reduced paper waste consumption 859 by 77% Launched new initiatives to To help our strengthen customer services Customers, Inducted into the and celebrated with families, NSW Business entrepreneurs, individuals and 173 People and groups with 859 loans funded Supported 173 individuals, families, Community Chamber Hall of businesses and communities Realise Their Fame through COVID-19 Relief Packages For providing Excellence in $ and was successful in our application Dreams Professional Service, recognising our to participate in the Australian 85,000 Governments Coronavirus SME unprecedented three consecutive Partnered with over 50 local Guarantee Scheme year win in this category organisations and gave over $85,000 back to community groups across the Northern Rivers to make a real difference in the places we call home Awarded Excellence in Business At the NSW Business Chamber, Northern Rivers Regional Business Awards Contents Opening Statement CHAIRMAN & CEO’S At the heart of our strategy remains our focus on delivering a better DECLARATIONS REPORT 01 35 experience for our customers, businesses and communities. Opening Statement 01 Directors Declaration 35 Never before has this been so meaningful and timely in the unprecedented times in which we now find ourselves, and Financial Performance 06 Auditors Independence Declaration 36 as we continue our journey to invest in our systems, team, services and online technologies to be more responsive, Risk, Regulation, Compliance & Governance 08 relevant and digitally enabled. -
WAW Product and Services Terms and Conditions
PRODUCTS & SERVICES TERMS AND CONDITIONS THE WAW CREDIT UNION PRODUCTS & SERVICES TERMS AND CONDITIONS CONSISTS OF: WAW CREDIT UNION PRODUCTS AND SERVICES TERMS AND CONDITIONS BOOKLET; WAW CREDIT UNION FEES AND CHARGES SCHEDULE; WAW CREDIT UNION SAVINGS AND INVESTMENT RATES SCHEDULES; WAW CREDIT UNION DISCONTINUED ACCOUNTS FEATURES, FEES AND CHARGES SCHEDULE. THE WAW CREDIT UNION PRODUCT & SERVICES TERMS AND CONDITIONS SHOULD BE READ IN CONJUNCTION WITH THE WAW CREDIT UNION FINANCIAL SERVICES GUIDE. WAW Credit Union Co-Operative Ltd. ABN 48 087 651 787 Australian Financial Service Licence 247298 Australian Credit Licence 247298 Version 44 - dated 17 February 2021 replaces Version 43 - dated 15 June 2020 Page | 1 CONTENTS PAGE TOPIC NUMBER Introduction 4 Customer Owned Banking Code of Practice 4 Section 1 Words Used in this Brochure - Definitions 5 Section 2 Changes to the Terms and Conditions 6 Section 3 Deposits (including Financial Claims Scheme protections) 6 Section 4 Withdrawals 6 Section 5 Future Payments & Direct Debits 7 Section 6 Electronic Credits 7 Section 7 Electronic Payment Processing Times 7 Section 8 Interest, Fees & Charges 8 Section 9 Statement of Account 8 Section 10 Electronic Statements (eStatements) & Notices 8 Section 11 Joint Accounts 8 Section 12 WAW’s Right to Combine Accounts 9 Section 13 Foreign Currency Transactions 9 Section 14 Closing an Account 9 Section 15 Inactive Accounts 9 Section 16 Dormant Accounts 9 Section 17 Anti-Money Laundering & Counter-Terrorism Financing Act 2006 10 Section 18 Phone Banking/Internet -
WELLBEING, RESILIENCE and PROSPERITY for AUSTRALIA FINANCIAL SYSTEM INQUIRY March 2014
WELLBEING, RESILIENCE AND PROSPERITY FOR AUSTRALIA FINANCIAL SYSTEM INQUIRY March 2014 CBA0416 FSI Doc_Final.indd 1 31/03/14 5:46 PM COMMONWEALTH BANK’S SUBMISSION IS FOCUSED ON IMPROVING THE LONG-TERM WELLBEING OF AUSTRALIANS, CONSISTENT WITH OUR VISION TO SECURE AND ENHANCE THE FINANCIAL WELLBEING OF PEOPLE, BUSINESSES AND COMMUNITIES. COMMBANK CAN. CBA0416 FSI Doc_Final.indd 2 31/03/14 5:46 PM TABLE OF CONTENTS EXECUTIVE SUMMARY 6 SECTION IV: SAFEGUARDING SECTION I: AUSTRALIA’S RETIREMENT BUILDING ON SOLID WITH A SUSTAINABLE FINANCIAL SYSTEM SUPERANNUATION FOUNDATIONS 9 SYSTEM 72 CHAPTER 1: HOW THE FINANCIAL CHAPTER 10: IMPROVE THE EFFICIENCY SYSTEM HAS SUPPORTED OF THE SUPERANNUATION SYSTEM 72 ECONOMIC STABILITY 9 CHAPTER 11: FUND AUSTRALIA’S CHAPTER 2: A FREE MARKET RETIREMENT 79 PHILOSOPHY FOR AUSTRALIA’S FINANCIAL SYSTEM 24 SECTION V: CHAPTER 3: POSITIONING AUSTRALIA ENHANCING REGULATORY FOR A PROSPEROUS FUTURE 27 EFFICIENCY 87 SECTION II: CHAPTER 12: IMPROVE EFFICIENCY SUPPORTING A STRONG AND ADAPTABILITY OF THE REGULATORY SYSTEM 87 BANKING SYSTEM 33 CHAPTER 4: ENSURE SUSTAINABLE SECTION VI: FUNDING FOR AUSTRALIAN BANKS 34 ADDRESSING OTHER CHAPTER 5: ENABLE COMPARABILITY IMPORTANT ISSUES FOR OF AUSTRALIAN BANK CAPITAL CUSTOMERS 96 RATIOS TO INTERNATIONAL PEERS 42 CHAPTER 6: EMBED A SUPPORTIVE CHAPTER 13: IMPROVE FINANCIAL OPERATING FRAMEWORK FOR LITERACY 96 AUSTRALIAN BANKS 47 CHAPTER 14: FUND INFRASTRUCTURE CHAPTER 7: ENSURE AN APPROPRIATE DEVELOPMENT 102 FRAMEWORK FOR THE SHADOW CHAPTER 15: IMPROVE ACCESS BANKING SECTOR 52 TO -
Annual Report and Sustainability Update 2018/2019
Annual Report and Sustainability Update 2018–2019 “Our dedication to running an ethical and sustainable institution has been recognised with Teachers Mutual Bank Limited being named one of the World’s Most Ethical Companies for the sixth year running.” Contents Annual Report and Sustainability Update Our mission is to deliver quality financial products and services to workers and their families within the education, emergency services, and health communities. We will do this in an ethical, simple and friendly manner. Key financial performance 02 Chairperson and CEO’s report 04 Members 06 Social Responsibility 10 Community 14 Employees 18 Environment 22 Summary of Sustainability KPIs and targets 26 Directors’ report 28 Auditor’s independence declaration 32 Financial statements and notes 33 Statement of comprehensive income 34 Statement of changes in member equity 35 Statement of financial position 36 Statement of cash flows 37 Notes to the financial statements 38 Directors’ declaration 87 Independent auditor’s report 88 TEACHERS MUTUAL BANK LIMITED Telephone: 13 12 21 | Fax: (02) 9704 8205 Email: [email protected] | Address: 28-38 Powell Street Homebush NSW 2140 | PO Box: PO Box 7501 Silverwater NSW 2128 | ABN: 30 087 650 459 | AFSL/Australian Credit Licence: 238981 | Design: www.frescocreative.com.au 1 Key Financial Performance Our focus is to maintain sustainable growth to ensure we provide competitive products and services to enable our members to secure their financial futures. OVERVIEW Capital adequacy ratio Membership Capital adequacy is a ratio which protects depositors and Membership refers to all shareholders that are eligible to investors by indicating the strength of an institution. -
Scheme Booklet Supplement
Scheme Booklet Supplement This booklet contains a copy of the Independent Expert’s Report, the Investigating Accountant’s Report and the Merger Implementation Agreement For a proposal to merge St.George Bank Limited (ABN 92 055 513 070) and Westpac Banking Corporation (ABN 33 007 457 141) If you are in any doubt as to how to deal with this document, please consult your financial, legal, tax or other professional adviser immediately. Financial adviser to Legal adviser to St.George Bank Limited St.George Bank Limited St.George Bank Limited (ABN 92 055 513 070) 2 Important notices Contents Purpose of this Scheme Booklet Supplement Consents Important notices IFC This Scheme Booklet Supplement provides St.George Consent to be named Security Holders with additional information about the The following persons have given and have not, before 1. Independent Expert’s Report 1 Merger Proposal, SAINTS Scheme and Option Scheme. the date of this Scheme Booklet Supplement, withdrawn This additional information is in addition to the Scheme their written consent to be named in this Scheme 2. Investigating Accountant’s Report 181 Booklet dated 29 September 2008. Booklet Supplement in the form and context in which 3. Merger Implementation Agreement 189 they are named: UBS as financial adviser to St.George; St.George Security Holders should read the Scheme PricewaterhouseCoopers Securities Ltd as the Corporate directory IBC Booklet in its entirety before making a decision as to how Investigating Accountant; Grant Samuel & Associates Pty to vote on the resolutions to be considered at the relevant Limited as the Independent Expert; Allens Arthur Robinson Scheme Meeting and the Extraordinary General Meeting. -
Infrastructure 55 Energy 77 Technology 92 Commodities 107 Renewables 118
Macquarie Group Contents Macquarie at a glance 3 Our culture Our business approach 14 Our community engagement 25 Our global presence Australia and New Zealand 34 Asia 37 Europe, the Middle East and Africa 47 Americas 51 Our expertise in focus Infrastructure 55 Energy 77 Technology 92 Commodities 107 Renewables 118 © Macquarie Group Limited Macquarie at a glance Global financial group Diverse business mix • Headquartered and listed in Australia Located in 31 markets, we conduct • Top 10 Australian company1 a mix of annuity-style and markets-facing • ~£14 billion market capitalisation activities that deliver solid returns in a range of market conditions • 15,849 employees in 31 markets • £299.7 billion assets under management Long-term orientation Outcome-focused culture • 51 years of unbroken profitability • Opportunity for our clients, • 29 years MBL S&P ‘A’ credit rating2 communities and staff • Strong funding and capital position • Accountability for outcomes • Integrity in everything we do All figures at 31 March 2020 throughout presentation, unless otherwise stated. 1. Based on market capitalisation. Sourced from Bloomberg 31 March 2020. 2. Upgraded to A+ in 11 December 2019. © Macquarie Group Limited 3 Global financial group Australia and Asia New Zealand % % of 33total income1 of total13 income1 London People People 6,6702 4,0142 Hong Kong Assets under management Assets under management New York £57.5 billion £33 billion employing 7,000+ people3 employing 50,000+ people3 Europe, the Middle Americas East and Africa Sydney % % of 29total income1 of 25total income1 people4 in People People 15,849 Locations 2 2,4092 2,756 Regional headquarters 2 Assets under management Assets under management 31 markets £65.2 billion £144 billion employing 57,000+ people3 employing 27,000+ people3 1. -
September 2019
September 2019 Case studies, statistics, research and recommendations are provided "ASIS" and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. The actual costs, savings and benefits of any recommendations or programs may vary based upon your specific business needs and program requirements. By their nature, recommendations are not guarantees of future performance or results and are subject to risks, uncertainties and assumptions that are difficult to predict or quantify. Stage3 is not responsible for your use of the information contained herein (including errors, omissions, inaccuracy or non-timeliness of any kind) or any assumptions or conclusions you might draw from its use. Stage3 makes no warranty, express or implied, and explicitly disclaims the warranties of merchantability and fitness for a particular purpose, any warranty of non-infringement of any third party's intellectual property rights. To the extent permitted by applicable law, Stage3 shall not be liable to a client or any third party for any damages under any theory of law, including, without limitation, any special, consequential, incidental or punitive damages, nor any damages for loss of business profits, business interruption, loss of business information, or other monetary loss, even if advised of the possibility of such damages. 30% $970,000 $9 $967,576 $8 $965,000 Millions 25% Millions $7 $960,000 20% $6 $955,000 $5 15% $950,000 Deposits Total $4 10% $3 $945,000 $2 -
Supplementary Product Disclosure Statement
Supplementary Product Disclosure Statement. This document is a Supplementary Product Disclosure Statement issued by Cuscal Limited ABN 95 087 822 455 AFSL 244116 and supplements the Westpac Global Currency Card Product Disclosure Statement dated 31 October 2018. From 6 November 2020, this Supplementary Product Disclosure Statement must be read together with the Westpac Global Currency Card Product Disclosure Statement. The amendments to the Product Disclosure Statement are as follows: Page 7, Introduction, Significant Benefits, seventh paragraph, delete “You will be provided with two Cards.” and insert “You will be issued a Card.” Page 9, Contact Westpac’s Customer Relations and Support Team, delete whole section and insert: “Westpac is here to help. If Westpac can’t resolve your complaint at your first point of contact with them, they will escalate it to their Customer Solutions Team. Telephone 132 032 (8am-8pm 7 days) Online westpac.com.au ‘Feedback and complaints’ or ‘Contact us’ pages, or use the Westpac Mobile Banking App Mail Westpac Customer Solutions, Reply Paid 5265, Sydney NSW 2001” Page 12, Section 3, Cards, first paragraph, delete “you will be issued with two Cards.” and insert “you will be issued a Card.” Page 12, Section 3, Cards, second paragraph, delete “Each of the Cards:” and insert “Each Card:” Page 12, Section 3, Cards, sixth paragraph, delete “The second Card is for your use only in the event that the first Card is lost or stolen or can’t be used.” and insert “If you have a second Card, it is for your use only in -
SG Directshares CNBC.Pdf
Directshares CHANGE OF NOMINATED BANK ACCOUNT form When to use this form Use this form to change your St.George Bank, Bank of Melbourne or BankSA transaction account linked to your Directshares account. Current Account Details Directshares Account Number: Directshares Account Name Please change my linked St.George Bank, Bank of Melbourne or BankSA account to the following: Bank Account Name Bank State Branch (BSB) Number Bank Account Number Eligible accounts are St.George, BankSA or Bank of Melbourne transaction accounts that permit direct debits. Check your bank account terms and conditions if you are unsure. Accounts that are not eligible include savings and term deposit accounts. Authorisation I/We authorise CMC Markets Stockbroking Limited as the provider of the service to request St.George Bank to: • Link my/our above nominated St.George Bank, Bank of Melbourne or BankSA Account to the trading account, in replacement of the St.George Bank, Bank of Melbourne or BankSA account previously nominated; • Obtain from St.George Bank information about the balance of my nominated St.George Bank, Bank of Melbourne or BankSA account, or any information CMC Markets Stockbroking would reasonably require to perform the services covered under the Trading Terms and Conditions including the CHESS Sponsorship Agreement. Date: / / 20 Account Holder 1 Account Holder 2 (if applicable) Client Signature(s) Name(s) (printed) Title (if company) e.g. director, officer, secretary Please note: This St.George Bank, Bank of Melbourne or BankSA account must be in the name of, or include the name of, your Directshares account, and cannot be a credit card. -
Current Terms and Conditions for Commonwealth Portfolio Loan
Current Terms and Conditions for Commonwealth Portfolio Loan. Issued 14 June 2019 Contents WHY READ THIS BOOKLET? 1 C SUPERGEAR [Omitted] 1. Current Terms and Conditions For Business D TRADE FINANCE AND Finance 3 CONTINGENT LIABILITIES [Omitted] A General Terms & Conditions 3 E COMMONWEALTH BANK A1 Conditions you need to meet before CORPORATE CARD & BUSINESS CREDIT we provide the Facility 3 CARD* [Omitted] A2 When we can withdraw our offer 4 F MEANINGS OF WORDS 23 A3 General provisions 4 2. OTHER INFORMATION 37 A4 The security property 7 G PRIVACY 37 A5 Payments 9 H ADDITIONAL OBLIGATIONS 38 A6 If you default 11 A7 Calculating and paying interest 13 I WHERE TO GET HELP 39 A8 Notices and communication 14 J CREDIT GUIDE 40 A9 Changing the Facility 14 K INFORMATION STATEMENT 40 A10 Exercising our rights 17 3. MEMORANDUM OF PROVISIONS A11 Trustees 17 FOR LAND MORTGAGES [Omitted] A12 Your declaration 19 4. SECURITY INTEREST PROVISIONS A13 Financial covenants 19 FOR GENERAL SECURITY A14 Refusal of Service 20 INTERESTS AND ASSET SECURITY INTERESTS A15 Variations to Terms and Conditions 20 [Omitted] B-F Specific Terms & Conditions 21 B COMMERCIAL LENDING 21 B1 BetterBusiness Loans [Omitted] B2 Bill Facilities [Omitted] B3 Line of Credit Facilities [Omitted] B4 Multi-Option Facility [Omitted] B5 Market Rate Loans [Omitted] B6 Commonwealth Portfolio Loan 21 VERSION INFORMATION Issued 01 July 2017 as "Current Terms and Conditions for Business Finance" as a booklet together with: • Memorandum of Provisions for Land Mortgages • Security Interest Provisions for General Security Interests and Asset Security Interests. Renamed 30 April 2018 as "Current Terms and Conditions for Commonwealth Portfolio Loan” and abridged. -
The World's Most Active Banking Professionals on Social
Oceania's Most Active Banking Professionals on Social - February 2021 Industry at a glance: Why should you care? So, where does your company rank? Position Company Name LinkedIn URL Location Employees on LinkedIn No. Employees Shared (Last 30 Days) % Shared (Last 30 Days) Rank Change 1 Teachers Mutual Bank https://www.linkedin.com/company/285023Australia 451 34 7.54% ▲ 4 2 P&N Bank https://www.linkedin.com/company/2993310Australia 246 18 7.32% ▲ 8 3 Reserve Bank of New Zealand https://www.linkedin.com/company/691462New Zealand 401 29 7.23% ▲ 9 4 Heritage Bank https://www.linkedin.com/company/68461Australia 640 46 7.19% ▲ 9 5 Bendigo Bank https://www.linkedin.com/company/10851946Australia 609 34 5.58% ▼ -4 6 Westpac Institutional Bank https://www.linkedin.com/company/2731362Australia 1,403 73 5.20% ▲ 16 7 Kiwibank https://www.linkedin.com/company/8730New Zealand 1,658 84 5.07% ▲ 10 8 Greater Bank https://www.linkedin.com/company/1111921Australia 621 31 4.99% ▲ 0 9 Heartland Bank https://www.linkedin.com/company/2791687New Zealand 362 18 4.97% ▼ -6 10 ME Bank https://www.linkedin.com/company/927944Australia 1,241 61 4.92% ▲ 1 11 Beyond Bank Australia https://www.linkedin.com/company/141977Australia 468 22 4.70% ▼ -2 12 Bank of New Zealand https://www.linkedin.com/company/7841New Zealand 4,733 216 4.56% ▼ -10 13 ING Australia https://www.linkedin.com/company/387202Australia 1,319 59 4.47% ▲ 16 14 Credit Union Australia https://www.linkedin.com/company/784868Australia 952 42 4.41% ▼ -7 15 Westpac https://www.linkedin.com/company/3597Australia