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The Following List Details All Banks and Building Societies Who Have Permission to Accept

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APPENDIX APPENDIX 1 – INSTITUTIONS INCLUDED IN THE UNITED KINGDOM BANKING SECTOR The following list details all banks and building societies who have permission to accept deposits in the UK. The list is broken down by nationality of the insitutions and is updated on the day of the Bankstats publication. This list relates to those Bankstats tables where nationality breakdowns are provided. Until 31st March 2013 this list was sourced from information provided by the Financial Services Authority (FSA), who previously published an alternative list, showing banks by type. From 1st April 2013 the list is provided by the Prudential Regulation Authority. To access this list, please follow the link provided within related links on the right hand side of this page. A H O Adam & Company plc Hampden & Co Plc OakNorth Bank Limited Airdrie Savings Hanley Economic Building Bank Society OneSavings Bank Plc Alliance Trust Harpenden Building Savings Ltd Society P Arbuthnot Latham Hinckley & Rugby & Co Ltd Building Society Paragon Bank Plc Holmesdale Building Aldermore Bank plc Society Penrithe Building Society Al Rayan Bank plc HSBC Bank plc Principality Building Society Atom Bank plc HSBC Bank USA NA Progressive Building Society HSBC Private Bank (UK) B Ltd R Bank and Clients HSBC Trust Company Rathbone Investment Ltd (UK) Ltd Management Ltd Bank of Scotland plc Hampshire Trust Bank plc Reliance Bank Ltd Barclays Bank plc Harrods Bank Ltd T Barclays Bank Trust The Hongkong & Shanghai Company Ltd Banking Corporation Ltd Tandem Bank Limited Bath Investment & The Royal Bank of Scotland Building Society I plc Beverley Building The Royal Bank of Scotland Society Investec Bank plc NV BIRA Bank Ltd Ipswich Building Society TSB Bank Plc Buckinghamshire Building Society J S C Julian Hodge Bank Ltd Saffron Building Society CAF Bank Ltd K Sainsbury’s Bank plc Cambridge Building Society Kingdom Bank Ltd Schroder & Co Ltd Cambridge & Counties Bank Ltd L Scottish Building Society The Charity Bank Ltd Leeds Building Society Scottish Widows Bank plc Charter Court Financial Services Leek Building Society Secure Trust Bank plc C Hoare & Co Lloyds Bank Plc Shawbrook Bank Ltd The Chorley & District Lloyds Bank Private Building Society Banking Ltd Skipton Building Society City of Derry Loughborugh Building Smith & Williamson Building Society Society Investment Services Ltd Southsea Mortgage & Close Brothers Ltd M Investment Co Ltd Manchester Building The Stafford Railway Clydesdale Bank plc Society Building Society Consolidated Credits The Mansfield Building Bank Ltd Society Standard Chartered Bank The Co-operative Market Harborough Bank plc Building Society Swansea Building Society Marks and Spencer Financial Coutts & Co Services plc T Coventry Building Society Marsden Building Society Teachers' Building Society Crown Agents Bank Ltd Masthaven Bank Limited Tesco Personal Finance Ltd Cumberland Melton Mowbray Building Tipton and Coseley Building Building Society Society Society D Methodist Chapel Aid Ltd U Darlington Building Society Metro Bank Plc Ulster Bank Ltd Dudley Building Monmouthsire Building Society Society Ulster Bank Ireland Ltd Dunfermline BSSP N United Trust Bank Ltd Dunfermline National Counties Building Society Building Society Unity Trust Bank plc Earl Shilton National Westminster Building Society Bank plc V Ecology Building Nationwide Building Society Society Vanquis Bank Ltd Page | 1 Nedbank Private Wealth F Ltd Vernon Building Society First Global Trust Bank Plc Newbury Building Society Virgin Money plc Furness Building N M Rothschild & Sons Society Ltd W Nottingham Building Society Weatherbys Bank Ltd Wesleyan Bank Ltd West Bromwich Building Society Y Yorkshire Building Society Source: http://www.bankofengland.co.uk/statistics/Pages/reporters/institutions/default.aspx# APPENDIX 2 – RETURN ON ASSETS Return on assets (ROA) is the ratio of net income plus interest expense to the total book value of the firm’s assets. This measure of ROA includes the benefit of the interest tax shield associated with leverage. As a benchmark, ROA is most comparable to the firm’s unlevered cost of capital. 푁푒푡 퐼푛푐표푚푒 + 퐼푛푡푒푟푒푠푡 퐸푥푝푒푛푠푒 푅푂퐴 = 퐵표표푘 푉푎푙푢푒 표푓 퐴푠푠푒푡푠 ROA is sometimes calculated as Net Income/Assets, inappropriately ignoring the returns generated by the assets that are being used to support the firm’s debt obligations (…). Also, the interest expense that is added back is sometimes done on an after-tax basis in order to eliminate the benefit of the tax savings provided by debt. (Source: Berk, J., & DeMarzo, P. CORPORATE FINANCE (3rd ed.). Pearson.) Page | 2 APPENDIX 3 – NET WORKING CAPITAL DEFINITION The difference between a firm’s current assets and current liabilities that represents the capital available in the short-term to run the business. ∆푁푊퐶 = 퐶푢푟푟푒푛푡 퐴푠푠푒푡푠 − 퐶푢푟푟푒푛푡 퐿푎푏푙푡푒푠 = = ∆퐴푐푐표푢푛푡 푅푒푐푒푣푎푏푙푒푠 + ∆퐶푎푠ℎ + ∆퐼푛푣푒푛푡표푟푒푠 − ∆퐴푐푐표푢푛푡 푃푎푦푎푏푙푒푠 (Source: Berk, J., & DeMarzo, P. CORPORATE FINANCE (3rd ed.). Pearson.) Bearing in mind the formula presented above, one can conclude that: Banks do not produce physical goods, its income comes primarily from the spreads between the cost of capital and interest income that is earned through lending activity; Banks do not hold significant Fixed Assets, so they rely on borrowing as primary source of capital. Therefore, banks do not hold neither inventories, neither account receivables, as well as account payables, which lead one to the conclusion that, the Working Capital for the banking industry is not materially relevant. APPENDIX 4 – RETURN ON EQUITY (ROE) DEFINITION Return on equity (ROE) is the ratio of a firm’s net income to the book value of its equity. As a benchmark, ROE is most comparable to the firm’s required return on equity. 푁푒푡 퐼푛푐표푚푒 푅푂퐸 = 퐵표표푘 푉푎푙푢푒 표푓 퐸푞푢푡푦 Source: Berk, J., & DeMarzo, P. CORPORATE FINANCE (3rd ed.). Pearson. Page | 3 APPENDIX 5 – SUMMARY OF THE ADVANTAGES AND DISADVANTAGES OF CULTURAL DIVERSITY Advantages Disadvantages 1. Diverse groups of directors, gather varied 1. Being members different, frictions might knowledge and perspectives. (Nederveen take place. In the case it happens, it might Pieterse et al, 2013) generate that even tough different, people feel associated with a certain group, leading to biased opinions and favouring the group composed by more people. (Van Knippenberg et al, 2004) 2. Information about operations in specific 2.aCommunication: slower, difficult, markets can exist, helping the firm managing confusing and a source of misunderstandings. its operations. (Maznevski, 1994) (Doney et al, 1998). Page | 4 APPENDIX 6 – SUMMARY OF THE ADVANTAGES AND DISADVANTAGES OF CULTURAL DIVERSITY Average_Age Background_ Assets Average_Fees Coverage Cultural_Diversity Liabilities Net_Income Nr_of_Members Nr_of_Women Profit_Before_Tax ROA ROE _Years Diversity 1,000000 Assets 0,178027 1,000000 Average_Age_Years 0,388022 0,222148 1,000000 Average_Fees 0,049569 0,079269 0,027635 1,000000 Background_Diversity 0,225781 0,001862 0,281885 -0,226633 1,000000 Coverage 0,310139 0,150826 0,299935 -0,222585 0,424607 1,000000 Cultural_Diversity 0,999891 0,177355 0,387344 0,050542 0,224702 0,308345 1,000000 Liabilities 0,255595 0,087994 0,135193 0,052799 -0,075161 0,100126 0,250597 1,000000 Net_Income 0,455343 0,048960 0,330426 0,283695 0,069355 0,171168 0,454453 0,326953 1,000000 Nr_of_Members 0,407866 -0,189729 0,167408 0,081098 -0,039372 0,064275 0,404175 0,391821 0,586978 1,000000 Nr_of_Women 0,386311 0,110398 0,152897 0,059722 -0,043370 0,135286 0,381922 0,982073 0,370350 0,427747 1,000000 Profit_Before_Tax -0,040808 0,106808 0,073765 0,037470 0,075731 0,011742 -0,040737 0,152806 0,145948 -0,003501 0,156509 1,000000 ROA -0,033993 0,111368 0,015646 0,032845 0,011598 -0,035202 -0,033839 0,166425 0,076451 -0,008793 0,177468 0,915288 1,000000 ROE APPENDIX 7 – DESCRIPTIVE STATISTICS ROA ROE Assets Average_Age_Years Average_Fees Coverage Cultural_Diversity Net_Income Nr_of_Members Nr_of_Women Profit_Before_Tax Mean 0,0381 0,6349 61583,1300 57,2035 261,4978 0,2414 0,4253 159,7282 9,3716 1,7923 230,7955 Median 0,0040 0,0625 986,2800 57,1429 89,6570 0,0000 0,0000 2,9160 9,0000 2,0000 3,7660 Maximum 2,6269 62,8487 1357906,0000 66,7500 2282,7000 1,0000 1,0000 10092,1000 18,0000 8,0000 11319,9200 Minimum -0,2580 -1,3177 20,0355 44,0000 3,0700 0,0000 0,0000 -7674,0000 4,0000 0,0000 -7367,0000 Std. Dev. 0,2613 5,2207 209266,5000 2,9157 377,4411 0,4287 0,4953 1207,8100 2,6202 1,3046 1397,7140 Skewness 8,3414 9,8686 4,0618 -0,2450 2,7844 1,2087 0,3022 2,1508 0,7638 1,0158 3,6568 Kurtosis 74,7090 105,1884 19,7289 4,6604 11,7851 2,4610 1,0914 41,2254 4,0111 5,4033 36,5947 APPENDIX 8 – SUMMARY OF COEFFICIENTS INTERPRETATION Variable Interpretation Log(Assets) – Model 1 A 1% increase in the Assets value, generates an increase of 0.6671 increase in the firm’s ROE. Average_Age_Years – Model 1 The increase of 1 year in the arithmetic average of the ages of directors, will generate a decrease of 0.1112 in the firm’s ROE. Coverage – Model 1 The fact that a company is a multinational bank presents -5.5656 ROE. Nr_of_Members – Model 1 A unitary increase of one member in the board of directors will generate an increase of 0.7201 in firm’s ROE. Nr_of_Women – Model 1 A unitary increase on one woman in the board of directors will generate a decrease of 4.6367 in firm’s ROE. Profit_Before_Tax – Model 1 A unitary increase of 1$ in the PBF, generates an increase of 0.0171 in the firm’s ROE. Cultural Diversity – Model 1 Firms which boards are culturally diverse present a positive increment of 1.3455 on its ROE. Log(Average_Fees) – Model 2 A 1% increase in the arithmetic average of the fees paid to directors, generates an increase of 0.0231 increase in the firm’s ROA.
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    LIST OF BANKS AS COMPILED BY THE BANK OF ENGLAND AS AT 2nd December 2019 (Amendments to the List of Banks since 31st October 2019 can be found below) Banks incorporated in the United Kingdom ABC International Bank Plc DB UK Bank Limited Access Bank UK Limited, The ADIB (UK) Ltd EFG Private Bank Limited Ahli United Bank (UK) PLC Europe Arab Bank plc AIB Group (UK) Plc Al Rayan Bank PLC FBN Bank (UK) Ltd Aldermore Bank Plc FCE Bank Plc Alliance Trust Savings Limited FCMB Bank (UK) Limited Allica Bank Ltd Alpha Bank London Limited Gatehouse Bank Plc Arbuthnot Latham & Co Limited Ghana International Bank Plc Atom Bank PLC Goldman Sachs International Bank Axis Bank UK Limited Guaranty Trust Bank (UK) Limited Gulf International Bank (UK) Limited Bank and Clients PLC Bank Leumi (UK) plc Habib Bank Zurich Plc Bank Mandiri (Europe) Limited Hampden & Co Plc Bank Of Baroda (UK) Limited Hampshire Trust Bank Plc Bank of Beirut (UK) Ltd Handelsbanken PLC Bank of Ceylon (UK) Ltd Havin Bank Ltd Bank of China (UK) Ltd HBL Bank UK Limited Bank of Ireland (UK) Plc HSBC Bank Plc Bank of London and The Middle East plc HSBC Private Bank (UK) Limited Bank of New York Mellon (International) Limited, The HSBC Trust Company (UK) Ltd Bank of Scotland plc HSBC UK Bank Plc Bank of the Philippine Islands (Europe) PLC Bank Saderat Plc ICBC (London) plc Bank Sepah International Plc ICBC Standard Bank Plc Barclays Bank Plc ICICI Bank UK Plc Barclays Bank UK PLC Investec Bank PLC BFC Bank Limited Itau BBA International PLC Bira Bank Limited BMCE Bank International plc J.P.
  • MONEY Virgin Money Ditches Foreign Currency Fees for Debit Cards Savers

    MONEY Virgin Money Ditches Foreign Currency Fees for Debit Cards Savers

    The Sunday Times March 8, 2020 15 MONEY Best Buys CURRENT ACCOUNTS FOREIGN MORTGAGES CREDIT INTEREST CURRENCY 2-YEAR FIXED RATES Provider Account name Account fee Interest rate 1 Balance Contact Lender Rate Scheme Deposit Fee Notes Contact These are the interbank Co-operative Bank Current with Everyday Rewards None £4 a month – 0345 721 2212 Barclays 1.21% Fixed to 30.04.22 60% £999 LV 0333 202 7580 rates at 5pm on Friday, 2 Nationwide FlexDirect None 5% £0.01-£2,500 0800 302 010 which show where the HSBC 1.44% Fixed to 30.06.22 20% £999 LV 0800 494 999 Halifax Reward None £2 a month – 0345 720 3040 market is trading. Coventry 1.75% Fixed to 30.06.22 10% £999 LV 0800 121 8899 They are not indicative OVERDRAFTS * 3-YEAR FIXED RATES of the rate you will be Provider Account name Account fee Interest rate 3 0% overdraft limit Contact able to get. Lender Rate Scheme Deposit Fee Notes Contact First Direct 1st Account None 15.9% £250 0345 600 2424 HSBC 1.34% Fixed to 30.06.23 40% £999 LV 0800 494 999 M&S Bank Current Account None 15.9% £100 0800 756 7777 EURO Coventry 1.79% Fixed to 30.06.23 15% £999 LV 0800 121 8899 Starling Current Account None 15% £0 starlingbank.com GBP>EUR Virgin Money 2.08% Fixed to 01.07.23 10% £0 CR 0345 605 0500 FUND FOCUS 1 Based on funding of £1,000 a month. 2 Introductory rate for one year, then 1%.