Aldermore Group PLC – Report and Accounts for the 18 Month Period To
Total Page:16
File Type:pdf, Size:1020Kb
Load more
Recommended publications
-
Investor Update First Half 2013 Results
Santander UK plc Investor Update First Half 2013 Results July 2013 United Kingdom Disclaimer 1 Santander UK plc (“Santander UK”) is a subsidiary of Banco Santander, S.A. (“Santander”). Santander UK and Santander both caution that this presentation may contain forward-looking statements. Such forward-looking statements are found in various places throughout this presentation. Words such as “believes”, “anticipates”, “expects”, “intends”, “aims” and “plans” and other similar expressions are intended to identify forward-looking statements, but they are not the exclusive means of identifying such statements. Forward-looking statements include, without limitation, statements concerning our future business development and economic performance. These forward-looking statements are based on management’s current expectations, estimates and projections and both Santander UK and Santander caution that these statements are not guarantees of future performance. We also caution readers that a number of important factors could cause actual results to differ materially from the plans, objectives, expectations, estimates and intentions expressed in such forward-looking statements. We have identified certain of these factors on pages 310 to 325 of the Santander UK Annual Report on Form 20-F for 2012. Investors and others should carefully consider the foregoing factors and other uncertainties and events. Undue reliance should not be placed on forward-looking statements when making decisions with rerespectspect to Santander UK, Santander and/and/oror their securities. The information in this presentation, including any forward -looking statements, speak only as of the date on which they are made, and we do not undertake any obligation to update or revise any of them, whether as a result of new information, future events or otherwise. -
Lender Panel List December 2019
Threemo - Available Lender Panels (16/12/2019) Accord (YBS) Amber Homeloans (Skipton) Atom Bank of Ireland (Bristol & West) Bank of Scotland (Lloyds) Barclays Barnsley Building Society (YBS) Bath Building Society Beverley Building Society Birmingham Midshires (Lloyds Banking Group) Bristol & West (Bank of Ireland) Britannia (Co-op) Buckinghamshire Building Society Capital Home Loans Catholic Building Society (Chelsea) (YBS) Chelsea Building Society (YBS) Cheltenham and Gloucester Building Society (Lloyds) Chesham Building Society (Skipton) Cheshire Building Society (Nationwide) Clydesdale Bank part of Yorkshire Bank Co-operative Bank Derbyshire BS (Nationwide) Dunfermline Building Society (Nationwide) Earl Shilton Building Society Ecology Building Society First Direct (HSBC) First Trust Bank (Allied Irish Banks) Furness Building Society Giraffe (Bristol & West then Bank of Ireland UK ) Halifax (Lloyds) Handelsbanken Hanley Building Society Harpenden Building Society Holmesdale Building Society (Skipton) HSBC ING Direct (Barclays) Intelligent Finance (Lloyds) Ipswich Building Society Lambeth Building Society (Portman then Nationwide) Lloyds Bank Loughborough BS Manchester Building Society Mansfield Building Society Mars Capital Masthaven Bank Monmouthshire Building Society Mortgage Works (Nationwide BS) Nationwide Building Society NatWest Newbury Building Society Newcastle Building Society Norwich and Peterborough Building Society (YBS) Optimum Credit Ltd Penrith Building Society Platform (Co-op) Post Office (Bank of Ireland UK Ltd) Principality -
You Can View the Full Spreadsheet Here
Barclays First Direct Halifax HSBC Lloyds Monzo (Free) Nationwide Natwest Revolut Santander Starling TSB Virgin Money Savings Savings pots No No No No No Yes No No Yes No Yes Yes Yes Auto savings No No Yes No Yes Yes Yes No Yes No Yes Yes No Banking Easy transfer yes Yes yes Yes yes Yes Yes Yes Yes Yes Yes Yes Yes New payee in app Need debit card Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes New SO Yes No Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes change SO Yes No Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes pay in cheque Yes Yes Yes Yes Yes No No No No No Yes No Yes share account details Yes No yes No yes Yes No Yes Yes Yes Yes Yes Yes Analyse Budgeting spending Yes No limited No limited Yes No Yes Yes Limited Yes No Yes Set Budget No No No No No Yes No Yes Yes No Yes No Yes Yes Yes Amex Allied Irish Bank Bank of Scotland Yes Yes Bank of Barclays Scotland Danske Bank of Bank of Barclays First Direct Scotland Scotland Danske Bank HSBC Barclays Barclays First Direct Halifax Barclaycard Barclaycard First Trust Lloyds Yes First Direct First Direct Halifax M&S Bank Halifax Halifax HSBC Monzo Bank of Scotland Lloyds Lloyds Lloyds Nationwide Halifax M&S Bank M&S Bank Monzo Natwest Lloyds MBNA MBNA Nationwide RBS Nationwide Nationwide Nationwide NatWest Santander NatWest NatWest NatWest RBS Starling Add other RBS RBS RBS Santander TSB banks Santander No Santander No Santander Not on free No Ulster Bank Ulster Bank No No No No Instant notifications Yes No Yes Rolling out Yes Yes No Yes Yes TBC Yes No Yes See upcoming regular Balance After payments -
Meet the Exco
Meet the Exco 18th March 2021 Alison Rose Chief Executive Officer 2 Strategic priorities will drive sustainable returns NatWest Group is a relationship bank for a digital world. Simplifying our business to improve customer experience, increase efficiency and reduce costs Supporting Powering our strategy through customers at Powered by Simple to Sharpened every stage partnerships deal with capital innovation, partnership and of their lives & innovation allocation digital transformation. Our Targets Lending c.4% Cost Deploying our capital effectively growth Reduction above market rate per annum through to 20231 through to 20232 CET1 ratio ROTE Building Financial of 13-14% of 9-10% capability by 2023 by 2023 1. Comprises customer loans in our UK and RBS International retail and commercial businesses 2. Total expenses excluding litigation and conduct costs, strategic costs, operating lease depreciation and the impact of the phased 3 withdrawal from the Republic of Ireland Strategic priorities will drive sustainable returns Strengthened Exco team in place Alison Rose k ‘ k’ CEO to deliver for our stakeholders Today, introducing members of the Executive team who will be hosting a deep dive later in the year: David Lindberg 20th May: Commercial Banking Katie Murray Peter Flavel Paul Thwaite CFO CEO, Retail Banking NatWest Markets CEO, Private Banking CEO, Commercial Banking 29th June: Retail Banking Private Banking Robert Begbie Simon McNamara Jen Tippin CEO, NatWest Markets CAO CTO 4 Meet the Exco 5 Retail Banking Strategic Priorities David -
Lender Action Required What Do I Need to Do? Express Payments?
express lender action required what do i need to do? payments? how will i be paid? You can request to be paid within Phone Accord Mortgaegs’ Business Support Team 24 hours of the lender confirming Accord Mortgages Telephone Registration on 03451200866 and ask them to add ‘TMA’as a Yes completion by requesting a payment payment route. through ‘TMA My Portal’. Affirmative Finance will release Registration is required for Affirmative Finance, the payment to TMA on the day of Affirmative No Registration however please state ‘TMA’ when putting a case No completion. TMA will then release Finance through. the payment to the you once it is received. Aldermore products are only available via carefully selected distribution partners. To register to do business with Aldermore go to https;//adlermore- brokerportal.co.uk/MoISiteVisa/Logon/Logon.aspx. You can request to be paid within If you are already registered with Aldermore the on 24 hours of the lender confirming Aldermore Online Registration Yes each case submission you will be asked if you are completion by requesting a submitting business though a Mortgage Club, tick payment through ‘TMA My Portal’. yes and then select ‘TMA’. If TMA is not already in your drop down box then got to ‘Edit Profile’ on the ‘Portal’ and add in ‘TMA’ Please visit us at https://www. Payment will be made every postoffice4intermediaries.co.uk/ and Monday to TMA via BACs. Bank of Ireland Online registration https://www.bankofireland4intermediaries. No Payment is calculated on the first co.uk/ and click register, you will need a Monday 2 weeks after completion profile for each brand. -
H1 2020 Results
H1 2020 Results 31st July 2020 Agenda Topic Presenter Performance update Alison Rose Detailed H1 & Q2 results Katie Murray Investment case Alison Rose Performance update ALISON ROSE, Chief Executive Officer 3 H1 results highlights 1 H1 2020 highlights Operating profit Impairments CET1 ratio % £2.1 billion £2.9 billion 17.2% Operating Profit before impairment Impairment charges as at H1’20 CET1 Ratio up 60bps vs Q1’20 Operating loss before tax £0.8bn losses, up 3% on H1’19 driven by net impairments of +2.6bn £2.9bn (£0.8) billion 2.9 16.6% 17.2% Robust capital position with Operating Loss before tax, down 0.3 £2.5 billion vs H1’19 Q1’20 Q2’20 strong liquidity levels H1’19 H1’20 Attributable loss Other expenses2 Liquidity Coverage ratio % (£0.7) billion £3.3 billion 166% £2.0 billion attributable profit in H1’19 Operating expenses excluding Liquidity Coverage Ratio +14p.p. vs Operating lease depreciation down Q1’20 £41m vs H1’19 -1% 152% 166% 3.34 3.30 Q1’20 Q2’20 H1’19 H1’20 1. Excluding the £990m impact of the strategic disposal (Alawwal) in Q2’19 2. Operating expenses excluding operating lease depreciation 4 H1 results highlights We have a robust absolute and relative £2.9bn 17.2% capital position versus Impairment charge CET1 ratio UK listed banks – this Q2’20 Impairment charge of £2.1bn vs We have shaped a capital generative business is underpinned by a £0.8bn in Q1’20 that in the medium to long term will operate at a resilient, capital CET1 ratio of 13%-14% generative and well Robust capital levels: Our ECL provision has increased to ‒ 320-420 bps or c.£5.8-7.6bn headroom to diversified business £6.4bn target CET1 ratio ‒ 830 bps or £15bn headroom to MDA2 ‒ UK listed banks average MDA2 headroom of 365bps1 Majority of expected FY’20 impairment charge captured in H1’20 Clear intention to return to paying dividends as soon as possible, targeting a pay-out ratio of 40% over time. -
Newbuy Guarantee Scheme
1. Please provide a copy of each master policy entered into with (1) Woolwich (2) Santander (3) Halifax (4) Aldermore (5) Nationwide and (6) NatWest under the NewBuy scheme. 2. Please provide a copy of the documentation formally committing the Government to provide the NewBuy Guarantee. 3. Please provide details of any correspondence (including emails) or agreements between HM Treasury and the Financial Services Authority and/or the Prudential Regulation Authority in relation to the use by authorised credit institutions of the master policy as a credit risk mitigant when calculating their regulatory capital requirements. 4. How does the Government account for the NewBuy Guarantee? 5. What reserves does the Government hold against the loans being guaranteed and how does it calculate what these reserves should be? 6. As at the date this request is received, what is the most recent figure that the Government holds for the number of NewBuy loans that are in arrears? And the total number of NewBuy loans? I have considered your request under the terms of the Freedom of Information Act 2000. I confirm that the Department holds some of the information that you have requested, and I am able to supply it to you. Please see an attached copy of the Government Guarantee document formally committing the Government to provide the NewBuy Guarantee. The most recent figures the Department holds on NewBuy are the Official Statistics published on 4th June which show that between 12th March 2012 and 31st March 2013 there were 2291 completions made through the NewBuy Guarantee scheme. Departmental records from lenders show that here was one case of arrears over this period. -
Rating Action, Barclays Bank UK
Rating Action: Moody's takes rating actions on Barclays, Lloyds, Santander UK, Nationwide and Close Brothers, following update to banks methodology 13 Jul 2021 London, 13 July 2021 -- Moody's Investors Service (Moody's) has today taken rating actions on Barclays, Lloyds, Santander UK and Close Brothers banking groups and on Nationwide Building Society, including the upgrade of the long-term senior ratings of Lloyds Banking Group plc and Close Brothers Group plc. The rating actions were driven by revisions to Moody's Advanced Loss Given Failure (Advanced LGF) framework, which is applied to banks operating in jurisdictions with Operational Resolution Regimes, following the publication of Moody's updated Banks Methodology on 9 July 2021. This methodology is available at this link: https://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_1269625 . A full list of affected ratings and assessments can be found at the end of this Press Release. RATINGS RATIONALE Today's rating actions were driven by revisions to the Advanced Loss Given Failure framework within Moody's updated Banks Methodology: a revised notching guidance table, with thresholds at lower levels of subordination and volume in the liability structure have been applied to the UK banks and Additional Tier 1 (AT1) securities issued by banks domiciled in the UK have been included in the Advanced LGF framework, eliminating the previous analytical distinction between those high trigger instruments that were deemed to provide equity-like absorption of losses before the point of failure and other AT1 securities. Moody's removal of equity credit for high trigger Additional Tier 1 (AT1) instruments from banks' going concern capital means that affected banks have reduced capacity to absorb unexpected losses before the point of failure, everything else being equal. -
Santander Bank Customer Satisfaction
Santander Bank Customer Satisfaction Two-handed and convict Ross whiz so recognizably that Stefano supernaturalised his chartularies. Medium-sized and metazoic Brad codifying skeptically and buccaneer his Jugurtha mildly and kinetically. Wholesale Stefan parleyvoo some abettors and clobbers his mademoiselle so blunderingly! Prior presidents going and wish to understand and money jar with compliance areas of different countries, bank customer experience with their customer satisfaction was with Every single thing you have a satisfaction in this we strive to all banks in banks and when they shopped for new messages back or bank customer satisfaction. Assessing Classification Methods for Prediction of Customer Satisfaction Santander Bank Dataset The dataset traincsv was obtained from Kagglecom. The united states exhibition in historical data to other regional business banking sector may in latin america does on recent years. Enable them until you will improve or one of other nearby branches, an issue in. Position at least one, it will apply and on behalf of money. Joining santander we could not just four stars for ensembling tree algorithms in? Santander uk has had to choose the interest rates and so on how do i was a santander customer satisfaction. Since most impact of any unwanted effect on their financial institution standards are best possible once a stock. Are false data who the columns numeric or intelligence they need anything be encoded? If should wish to was the client at state center, we must they so realistically. Accounts in this element in all matters into company and certificates of corporate governance and compare reviews, it was a whole branch. -
First Complete Lender Panel Mortgage Fees
First Complete Lender Panel Mortgage Fees We offer a comprehensive range of first charge mortgages from the following lenders across the market. The gross mortgage fees payable are listed below: Lender Product Type Gross Fees Accord Mortgages Standard 0.40% (Min £200) Buy to Let 0.50% (Min £200) Portability option (payable on top up potion only) 0.30% Additional loans £5,000 plus 0.30% (Min £50) No Proc fee is paid on any SVR products. Aldermore Mortgages Residential & Standard Buy to Let 0.45% Specialist Buy to Let 0.75% Bank of Ireland UK Residential 0.40% Buy to Let 0.50% Barclays Residential/Open Plan Offset/Buy to Let 0.40% Retention Products 0.20% Ported cases with/without additional borrowing Normal proc fee applies to the full amount BM Solutions Buy to Let & Let to Buy including 0.50% Product Transfers, Further Advances & Porting Clydesdale Bank Standard & Buy to Let 0.40% Product Transfers 0.20% Coventry Intermediaries/ Standard/Buy to Let 0.45% (Max £4,000) Godiva Mortgages Porting with/without additional borrowing Normal proc fee paid on full amount Danske Bank (N Ireland only) All products, including Product Transfers 0.40% Darlington Building Society All Products 0.35% Halifax Intermediaries Standard & Self Build, including Product Transfers, 0.41% Further Advances & Porting Hanley Economic Building Society Residential 0.35% (Max £2,500) Buy to Let 0.40% Kensington All Products 0.50% Kent Reliance Residential (including Further Advances) 0.40% Buy to Let (including Further Advances) 0.50% Leeds Building Society Residential -
Change of Details Application Form
Change of details Application Form Please fill in the form using BLOCK CAPITALS and black ink. Tick any boxes which apply. cahoot is able to provide literature in alternative formats. The formats available are: large print, Braille and audio CD. If you would like to register to receive correspondence in an alternative format please give us a call on 0844 9000 900*. 1 Your current details Title Previous address Mr Mrs Ms Miss Other Are you Male Female Postcode First name Date of birth D D M M Y Y Y Y Nationality Middle name(s) Dual nationality (if held) Surname Employment status Other names (not nicknames) you are known by or commonly use Employed Self-employed Retired (please include title, first name and surname) A student A homemaker Unemployed Occupation 2 Account details Please provide details of one account you currently have with cahoot (eg, bank account, savings, credit card) Sort code (if applicable) Account / Card number Office use only 3 New name/address details Change of details effective from D D M M Y Y Y Y Country of residence Title Mr Mrs Ms Miss Home telephone number (including area code) Other Work telephone number (including area code) Change of name First name Mobile telephone number Middle name(s) Email address Surname Other names known as New address Postcode Other family/household members with cahoot accounts/policies changing their contact details will need to fill in a separate form. Black 128934_1347485 Santander UK 297.00 x 210.00 mm Ian Mulvey 297.00 x 210.00 mm [email protected] V1 18/08/2015 13:00 4 Declaration and signature(s) Please make sure you have completed the relevant sections above and read below before signing Once you have completed the form, you need to return it to us, along with valid proof of change and evidence of your identification. -
ABBEY NATIONAL TREASURY SERVICES Plc SANTANDER UK Plc
THIS NOTICE IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION. IF YOU ARE IN ANY DOUBT AS TO THE ACTION YOU SHOULD TAKE, YOU ARE RECOMMENDED TO SEEK YOUR OWN FINANCIAL ADVICE IMMEDIATELY FROM YOUR STOCKBROKER, BANK MANAGER, SOLICITOR, ACCOUNTANT OR OTHER INDEPENDENT FINANCIAL ADVISER WHO, IF YOU ARE TAKING ADVICE IN THE UNITED KINGDOM, IS DULY AUTHORISED UNDER THE FINANCIAL SERVICES AND MARKETS ACT 2000. ABBEY NATIONAL TREASURY SERVICES plc SANTANDER UK plc NOTICE to the holders of the outstanding series of notes listed in the Schedule hereto (the Notes) issued under the Euro Medium Term Note Programme of Abbey National Treasury Services plc (as Issuer of Senior Notes) and Santander UK plc (formerly Abbey National plc) (as Issuer of Subordinated Notes and Guarantor of Senior Notes issued by Abbey National Treasury Services plc) Proposed transfer to Santander UK plc of the business of Alliance & Leicester plc under Part VII of the Financial Services and Markets Act 2000 NOTICE IS HEREBY GIVEN to the holders of the Notes (the Noteholders) of the proposed transfer (the Transfer) of the business of Alliance & Leicester plc (A&L) to Santander UK plc (Santander UK) (formerly Abbey National plc (Abbey)) and the right of any person who believes that they would be adversely affected by the Transfer to appear at the Court (as defined below) hearing and object to it, as further described below. If the Court approves the Transfer, it is expected to take effect from and including 28 May 2010. Background to the Transfer Abbey became part of the Santander Group in 2004 and, in 2008, A&L and the Bradford & Bingley savings business and branches became part of the Santander Group's operations in the UK.