Case Study: Bradford & Bingley International
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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. -
Shipley Wharf Retail Park | Shipley | West Yorkshire | Bd17 7Dz
PLANNING OBTAINED DECEMBER 2018 SHIPLEY WHARF RETAIL PARK | SHIPLEY | WEST YORKSHIRE | BD17 7DZ RETAIL UNITS TO LET Another Development by OPENING AUTUMN 2020 SHIPLEY WHARF RETAIL UNITS TO LET | SHIPLEY | BD17 7DZ LOCATION Shipley lies approximately 3 miles north of Bradford City Centre and forms part of the wealthy commuter hub within the SHIPLEY Leeds and Bradford conurbation. WHARF RETAIL PARK The town is the largest of those (including Ilkley, Otley, Bingley, Baildon and Guiseley) which form an arc of affluent areas north of Leeds and Bradford in a district with a rich industrial history. Strategically the town is located on both the River Aire and the Leeds Liverpool Canal from which it draws its historical significance. The famous village of Saltaire, including Salts Mill, is located nearby and is a Unesco designated World Heritage site ensuring several hundred thousand tourist visitors a year. SHIPLEY WHARF RETAIL UNITS TO LET | SHIPLEY | BD17 7DZ Notes Notes 1) This drawing MUST NOT BE SCALED. 1) This drawing MUST NOT BE SCALED. 2) All dimensions to be CHECKED ON SITE and any DISCREPANCY reported2) to theAll Architectsdimensions. to be CHECKED ON SITE and 3) The site boundary shown is the bestany assumed DISCREPANCY reported to the Architects. from available data and does NOT represent THE SITE legal ownership. 3) The site boundary shown is the best assumed from available data and does NOT represent legal ownership. SITE PLAN PRESENTATION 1:1000 SITE PLAN PRESENTATION The site is comprised of the former 0 20 40 60 80 1:1000 Airedale Mills and is located close 0 20 40 60 80 to ‘Fox's Corner’ where the Otley to Bradford (A6038) and Skipton to Leeds (A657) roads meet and is approximately 400 metres north of the town centre. -
9111-Baildon-Mills-Brochure.Pdf
A PRESTIGIOUS DEVELOPMENT OF 1, 2, 3 & 4 BEDROOM HOMES CONTENTS 4 WELCOME TO BAILDON MILLS 6 THE HISTORY OF THE MILL 7 EXPERIENCE EXECUTIVE COUNTRY LIVING 8 INTRODUCING BAILDON 10 THE MOORS ON YOUR DOORSTEP 12 SURROUNDING CITIES HERITAGE LOOKS. 14 LOCATION & TRANSPORT 16 DEVELOPMENT OVERVIEW MODERN LIVING. 18 A SUPERIOR SPECIFICATION 21 SITE PLAN Steeped in history and brimming with character, your new home 22 PENNYTHORN at Baildon Mills will offer both traditional charm whilst being thoughtfully designed for modern living. Considered by many as one of 24 LONG RIDGE Yorkshire’s best places to live, a 26 HAWKSWORTH new home at Baildon Mills means 28 HIGH MOOR you’ll enjoy a lifestyle like no other. 29 REVA HILL 34 KMRE’S INVESTMENT OPPORTUNITY 2 3 WELCOME to BAILDON MILLS Carefully considered design means that these homes will his truly unique project will convert a beautiful, historic textile mill into a thriving community of executive new homes, in the heart of Baildon village. maintain many of the stunning T heritage features that made the Carefully considered design means that these Whether you are looking for a light and airy, open- old textile mill such a popular homes will maintain many of the stunning heritage plan dining kitchen or something a little more piece of local architecture features that made the old textile mill such a traditional, our architects have considered all the popular piece of local architecture. Allowing you ways modern living can influence how we like to to enjoy the ease and convenience of buying new, configure our homes. -
Menston Parish Council Planning Committee Meeting Thursday 29Th August 2019 at 8.30Pm
Menston Parish Council Planning Committee Meeting Thursday 29th August 2019 at 8.30pm MINUTES Present: Councillors Gordon Metcalfe (Chairman), Peter Finlay, Philip Moore, Dale Smith, and Jo White. Clerk: Catriona Hanson P2019/104 Introduction and welcome Councillor Metcalfe welcomed everyone to the meeting. P2019/105 Apologies for absence Apologies for absence were received and accepted from Councillors Needle and Goodith White. P2019/106 Disclosures of interest Councillor Moore disclosed his membership of the Menston Action Group in relation to any discussions about the proposed developments on Derry Hill and Bingley Road. Councillor Finlay declared his membership of the Burley and Menston Civil Charities in relation to the planning application for 2 Park Dale. P2019/107 Public consultation One member of the public was present at the meeting. P2019/108 Minutes of the previous meeting and progress report RESOLVED that the minutes of Menston Parish Council’s Planning Committee meeting held on 18th July 2019 be agreed and accepted and signed by the Chairman of the meeting. Proposed: Councillor Metcalfe P2019/109 Outcome of previous planning applications Planning ref Site location Brief description of proposal Outcome no 17/04591/MAF Land at Bingley Demolition of a steel frame agricultural building Granted Road, Menston and small agricultural shed and the residential development of 133 dwellings with associated infrastructure works and access 19/00893/MAF Land at Grid Ref Construction of traffic free cycling and walking Pending 417373 444904 -
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. -
The London Gazette, Sth September 1987
11238 THE LONDON GAZETTE, STH SEPTEMBER 1987 ADJUDICATION LANGLEY, James, now residing at 9 Healey Road, Ossett, Furniture Salesman, previously carrying on business at RYAN, Peter Francis, of Richmond Hill Hotel, Richmond-upon- Killinghall Road, Bradford under the style of the Furniture and Thames, Surrey TW10 6RW, head barman, lately a SELF- Bedding Centre as a FURNITURE RETAILER, all in the county EMPLOYED SALESMAN of 11 Maple Close, Heaviley, of West Yorkshire and also previously carrying on business at 120 Stockport, Cheshire, formerly of Flat 3, IS High Lane, Chorlton, Sheffield Road, Barnsley in the county of South Yorkshire under Manchester, described in the Receiving Order as occupation the style of "The Headboard Centre" as a FURNITURE unknown lately a Double Glazing Salesman. Court—HIGH RETAILER, and previously a COMPANY DIRECTOR. COURT OF JUSTICE. No. of Matter—4184 of 1986. Date of Court—BRADFORD. No. of Matter—26 of 1982. Date Fixed Order—14th July 1987. Date of Filing Petition—9th December for Hearing—30th September 1987. 10.30 a.m. Place—The 1986. County Court Office, 27 Manor Row, Bradford 1. RENNIE, James, of and practising as a SELF-EMPLOYED ROBINSON, James Ernest, Self-Employed Sales Representative, ACCOUNTANT at 6 Gilham Grove, Deal, Kent. Court— residing at 8 Thornfield Terrace, Wilsden and owner of 277s CANTERBURY (by transfer from High Court of Justice). No. of Allerton Road, Bradford, lately carrying on business at Albion Matter—90B of 1986. Date of Order—7th May 1987. Date of Mills, Main Street, Wilsden under the style of "Direct Window Filing Petition—26th June 1986. -
Important Notes for the Redemption Process
Important Notes For The Redemption Process Please take time to read the following information about redeeming your mortgage. Requesting a Redemption statement A redemption statement can be requested from our Customer Contact Centre on 0330 159 2590*, at least 5 working days before the expected redemption date. You can also request a redemption statement by post or fax. If you wish to request a redemption statement by post then please send us the relevant information including: Mortgage account number, full name and address and the date on which you intend to redeem to Bradford & Bingley / Mortgage Express, PO Box 117, Skipton BD23 9FG. Please allow sufficient time for postage. If you wish to request a redemption statement by fax then please send us the relevant information including: Mortgage account number, full name and address and the date on which you intend to redeem to our fax number on 0330 159 1978. When a solicitor or licensed conveyancer acts for you in the redemption of your mortgage, the Title Deeds and relevant documents are sent to them directly upon their written request. How to Pay Bradford & Bingley customers To pay using your online bank account (Faster Payment) or Telegraphic Transfer via your bank (for which your bank may charge you), please use the following details to transfer funds directly to us to pay off your mortgage: Sort Code: 51-70-19 Account Number: 80010210 Reference: (Mortgage Account Number) RED It is essential that you quote the account number you wish to redeem along with the code ‘RED’ at the end of the number. -
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. -
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. -
Between Wilsden & Cullingworth
Between Wilsden & Cullingworth 31/4 miles (5.2km) Circular walk Goitstock Wood e n a L s t ane n b L Hallas Hall e Na Green Close B pylon Farm Hallas Dye House Dye House Lane Cullingworth Bridge ne Ling s La alla Bents Crag seat H House Wilsden bridge k c e B d ism n an e tled d grassy rail C n w e track ay ulli ng w w e orth R H oad bridge New Laith THE Farm GR Hewenden EA T N Bridge OR TH E R N T Brown Lee Lane R A IL Station Hotel Hewenden Viaduct Hare Croft Ha wor th R oad Hewenden Reservoir Key (map not to scale) Route Station Road WALK START/FINISH Other Footpaths Hewenden Viaduct (ON STREET PARKING) Gate/Stile/Gap N City of Bradford Metropolitan District Council Countryside & Rights of Way to the left downhill, eventually walking beneath the trees. Between Wilsden & Where the tree lined path ends, climb the stile into a field and continue straight ahead across the field to a Cullingworth second stile under the tall poplar trees, which can be seen ahead. 1 3 /4 miles (5.2km) Circular walk Climb the stile and rejoin the lane, again walking beneath the trees. After only a short distance climb a third stile The walk start point is Station Road Harecroft, off over a dry stone wall out onto a farm track. Walk downhill the B6144 road between Wilsden and Cullingworth. along the track and join the surfaced country lane, Dye House Lane. -
Bank of England List of Banks- October 2020
LIST OF BANKS AS COMPILED BY THE BANK OF ENGLAND AS AT 1st October 2020 (Amendments to the List of Banks since 31st August 2020 can be found below) Banks incorporated in the United Kingdom ABC International Bank Plc DB UK Bank Limited Access Bank UK Limited, The Distribution Finance Capital Limited Ahli United Bank (UK) PLC AIB Group (UK) Plc EFG Private Bank Limited Al Rayan Bank PLC Europe Arab Bank plc Aldermore Bank Plc Alliance Trust Savings Limited (Applied to Cancel) FBN Bank (UK) Ltd Allica Bank Ltd FCE Bank Plc Alpha Bank London Limited FCMB Bank (UK) Limited Arbuthnot Latham & Co Limited Atom Bank PLC Gatehouse Bank Plc Axis Bank UK Limited Ghana International Bank Plc GH Bank Limited Bank and Clients PLC Goldman Sachs International Bank Bank Leumi (UK) plc Guaranty Trust Bank (UK) Limited Bank Mandiri (Europe) Limited Gulf International Bank (UK) Limited Bank Of Baroda (UK) Limited Bank of Beirut (UK) Ltd Habib Bank Zurich Plc Bank of Ceylon (UK) Ltd Hampden & Co Plc Bank of China (UK) Ltd Hampshire Trust Bank Plc Bank of Ireland (UK) Plc Handelsbanken PLC Bank of London and The Middle East plc Havin Bank Ltd Bank of New York Mellon (International) Limited, The HBL Bank UK Limited Bank of Scotland plc HSBC Bank Plc Bank of the Philippine Islands (Europe) PLC HSBC Private Bank (UK) Limited Bank Saderat Plc HSBC Trust Company (UK) Ltd Bank Sepah International Plc HSBC UK Bank Plc Barclays Bank Plc Barclays Bank UK PLC ICBC (London) plc BFC Bank Limited ICBC Standard Bank Plc Bira Bank Limited ICICI Bank UK Plc BMCE Bank International plc Investec Bank PLC British Arab Commercial Bank Plc Itau BBA International PLC Brown Shipley & Co Limited JN Bank UK Ltd C Hoare & Co J.P.