The Ritz London, 16Th November 2016 by Invitation Only Confidential – Not for Distribution
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Banking & Finance Litigation Update
BANKING & FINANCE LITIGATION UPDATE ISSUE 77 We wish to establish a dialogue with our readers. CONTENTS Please contact us at B&FL Update and let us know Domestic Banking 2 which particular areas you are interested in and what you would find helpful. Domestic General 3 The Banking & Finance Litigation Update is European Banking 5 published monthly and covers current developments European General 6 affecting the Group's area of practice and its clients International Banking 6 during the preceding month. International General 7 This publication is a general overview and discussion of the subjects dealt with. It should not be used as a Press Releases 8 substitute for taking legal advice in any specific situation. DLA Piper UK LLP accepts no responsibility for any actions taken or not taken in reliance on it. Where references or links (which may not be active links) are made to external publications or websites, the views expressed are those of the authors of those publications or websites which are not necessarily those of DLA Piper UK LLP, and DLA Piper UK LLP accepts no responsibility for the contents or accuracy of those publications or websites. If you would like further advice, please contact Paula Johnson on 08700 111 111. DOMESTIC BANKING 6. Lloyds Banking Group has withdrawn its tracker mortgages from the market, as has Skipton BANK OF ENGLAND Building Society. Both Lloyds Bank and Halifax, 1. Bank of England figures for April indicate that which is also part of the Lloyds Banking Group, lending to businesses fell for the seventh month in say that due to the low Bank of England Bank succession. -
Irish Economy Watch AIB Treasury Economic Research Unit
Irish Economy Watch AIB Treasury Economic Research Unit Thursday 19 November 2020 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Manufacturing PMI edged higher to 50.3 in October as the MANUFACTURING survey points to broadly stable AIB Manufacturing PMI 45.1 36.0 39.2 51.0 57.3 52.3 50.0 50.3 but subdued business conditions in the sector OECD Leading Indicator 98.8 93.4 94.1 97.6 99.2 99.4 99.6 99.7 Traditional industrial production Industrial Production (Ex-Modern) 112.7 86.5 82.6 93.7 110.8 109.5 110.6 #N/A moved higher in September as Production (Ex-Modern) : 3mma YoY% 1.7 -10.0 -17.7 -21.2 -14.2 -5.3 -0.7 #N/A output rebounded by 25.9% in 3mth / 3mth % seas. adj. 2.4 -9.6 -16.3 -22.9 -6.6 11.4 25.9 #N/A Q3. YoY growth rate at –0.7% SERVICES / RETAIL Services PMI stayed in contraction but improved to 48.3 AIB Services PMI 32.5 13.9 23.4 39.7 51.9 52.4 45.8 48.3 in October. Weak demand was evident from a decline in new CSO Services Index (Value) 124.4 98.1 101.0 114.1 114.5 115.1 121.1 #N/A business, with firms linking this - YoY % -0.4 -21.8 -19.3 -10.5 -10.6 -9.1 -4.0 #N/A to Covid-19 restrictions - 3mth / 3mth % seas. -
Banks List (May 2011)
LIST OF BANKS AS COMPILED BY THE FSA ON 31 MAY 2011 This list of banks is intended to be used solely as a guide. The FSA does not warrant, nor accept any responsibility for the accuracy or completeness of the list or for any loss which may arise from reliance by any person on information in the list. (Amendments to the List of Banks since 30 April 2011 can be found on page 6) Banks incorporated in the United Kingdom Abbey National Treasury Services plc DB UK Bank Limited ABC International Bank plc Dunbar Bank plc Access Bank UK Limited, The Duncan Lawrie Ltd Adam & Company plc Ahli United Bank (UK) plc EFG Private Bank Ltd Airdrie Savings Bank Egg Banking plc Aldermore Bank Plc European Islamic Investment Bank Plc Alliance & Leicester plc Europe Arab Bank Plc Alliance Trust Savings Ltd Allied Bank Philippines (UK) plc FBN Bank (UK) Ltd Allied Irish Bank (GB)/First Trust Bank - (AIB Group (UK) plc) FCE Bank plc Alpha Bank London Ltd FIBI Bank (UK) plc AMC Bank Ltd Anglo-Romanian Bank Ltd Gatehouse Bank plc Ansbacher & Co Ltd Ghana International Bank plc ANZ Bank (Europe) Ltd Goldman Sachs International Bank Arbuthnot Latham & Co, Ltd Guaranty Trust Bank (UK) Limited Gulf International Bank (UK) Ltd Banc of America Securities Ltd Bank Leumi (UK) plc Habib Allied International Bank plc Bank Mandiri (Europe) Ltd Habibsons Bank Ltd Bank of Beirut (UK) Ltd Hampshire Trust plc Bank of Ceylon (UK) Ltd Harrods Bank Ltd Bank of China (UK) Limited Havin Bank Ltd Bank of Ireland (UK) Plc HFC Bank Ltd Bank of London and The Middle East plc HSBC Bank -
Vocalink Blank
LINK Scheme Public - Redacted Copy Network Members Council Minutes of a Meeting of the Network Members Council Held at Cedar Court Hotel, Park Parade, Harrogate, HG1 5AH at 11.00 on Thursday 18th June 2015 Present: Dr Ken Andrew Independent Chairman Sarah Comley American Express Adrian Roberts Bank of Ireland Tim Allen Barclays Jonathan Simpson-Dent Cardtronics UK Craig Dye Co-operative Bank Lyndsay James Cumberland Building Society Bill Hoyne G4S Cash Solutions Glyn Warren HSBC Bank Mike Bullough Lloyds Bank Sue Bentley National Australia Group Anne Dalgleish Nationwide Building Society Kevin McMullan Northern Bank Nigel Constable NoteMachine Tim Watkin-Rees PayPoint Adam Bailey Royal Bank of Scotland Iain Gibson Sainsbury's Bank Helen Matthews Santander Anne Robertson Tesco Personal Finance Mark Akers TSB Bank Janice Aitken Yorkshire Building Society Jenny Campbell YourCash In Attendance: John Howells LINK Sue Wallace LINK Alex Leckenby LINK Graham Mott LINK Mary Buffee LINK Mandy Mahon LINK Deborah Thackwray LINK Sarah Chalmers LINK Katie Hinchley LINK Natalie Dix LINK Mike Newhouse LINK In Attendance for Item 7 only: Alistair Darling Giles Peel DAC Beachcroft LLP In Attendance for Item 9 only: Simon Walker KPMG Michelle Plevey KPMG 1. APOLOGIES FOR ABSENCE Michael Coffey (AIB Group), Billy McCall (Airdrie Savings Bank), Paul Meehan (Change Group ATMs), Mick Willets (Citibank Savings), Neil Lover (Coventry Building Society), Gordon Rennison (Creation), Jean-Luc Dubois (Credit Mutuel), Tim Wilder (DC Payments UK), Nigel Emery (Metro Bank), Alan Chambers (Moneycorp), Beth Williams (Raphaels), Grant Wells (Travelex), and Dave Walker (Virgin Money). 18th June 2015 1 LINK Scheme Public - Redacted Copy Network Members Council The Independent Chairman welcomed to their first meeting of the NMC: Lyndsay James (Cumberland Building Society), Kevin McMullan (Northern Bank), and Mike Newhouse (LINK Scheme). -
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 -
Allied Irish Bank (GB) Comes Top Again in Comprehensive UK Banking Survey 27Th November 2000
Allied Irish Bank (GB) comes top again in comprehensive UK banking survey 27th November 2000 Allied Irish Bank (GB) has today been named Best Business Bank for the fourth consecutive time in the Forum of Private Business’s (FPB) comprehensive survey into the strength of service offered by banks to private businesses. The FPB report, Private Businesses and Their Banks 2000, is a biennial survey of tens of thousands of British businesses and shows that Allied Irish Bank (GB) has maintained its No. 1 position over other major UK banks since 1994. Aidan McKeon, General Manager of Allied Irish Bank (GB) and Managing Director AIB Group (UK) p.l.c., commented: "While we are delighted to win this award for the fourth time, we are far from complacent. We continue to listen closely to our customers and to invest in the cornerstones of our business: recruiting, training and retaining quality people; building 'true’ business relationships; and ongoing commitment to maintaining short lines of decision making. At the same time, we are exploiting technology to make our service as customer- responsive and efficient as possible." Allied Irish Bank (GB), one of the forerunners in relationship banking, scores highest in the survey for knowledge and understanding. The bank also scored highly on efficiency, reliability and customer satisfaction. Mr. McKeon continued: "We recognise that business customers have particular needs and concerns and we are always striving to ensure that our customers receive a continually improved service. We shall look carefully at this survey and liaise with our customers to further strengthen our service." Stan Mendham, Chief Executive of the FPB commented: "The FPB congratulates Allied Irish Bank (GB) on being voted Best Business Bank in Britain for the fourth time. -
Reference Banks / Finance Address
Reference Banks / Finance Address B/F2 Abbey National Plc Abbey House Baker Street LONDON NW1 6XL B/F262 Abbey National Plc Abbey House Baker Street LONDON NW1 6XL B/F57 Abbey National Treasury Services Abbey House Baker Street LONDON NW1 6XL B/F168 ABN Amro Bank 199 Bishopsgate LONDON EC2M 3TY B/F331 ABSA Bank Ltd 52/54 Gracechurch Street LONDON EC3V 0EH B/F175 Adam & Company Plc 22 Charlotte Square EDINBURGH EH2 4DF B/F313 Adam & Company Plc 42 Pall Mall LONDON SW1Y 5JG B/F263 Afghan National Credit & Finance Ltd New Roman House 10 East Road LONDON N1 6AD B/F180 African Continental Bank Plc 24/28 Moorgate LONDON EC2R 6DJ B/F289 Agricultural Mortgage Corporation (AMC) AMC House Chantry Street ANDOVER Hampshire SP10 1DE B/F147 AIB Capital Markets Plc 12 Old Jewry LONDON EC2 B/F290 Alliance & Leicester Commercial Lending Girobank Bootle Centre Bridal Road BOOTLE Merseyside GIR 0AA B/F67 Alliance & Leicester Plc Carlton Park NARBOROUGH LE9 5XX B/F264 Alliance & Leicester plc 49 Park Lane LONDON W1Y 4EQ B/F110 Alliance Trust Savings Ltd PO Box 164 Meadow House 64 Reform Street DUNDEE DD1 9YP B/F32 Allied Bank of Pakistan Ltd 62-63 Mark Lane LONDON EC3R 7NE B/F134 Allied Bank Philippines (UK) plc 114 Rochester Row LONDON SW1P B/F291 Allied Irish Bank Plc Commercial Banking Bankcentre Belmont Road UXBRIDGE Middlesex UB8 1SA B/F8 Amber Homeloans Ltd 1 Providence Place SKIPTON North Yorks BD23 2HL B/F59 AMC Bank Ltd AMC House Chantry Street ANDOVER SP10 1DD B/F345 American Express Bank Ltd 60 Buckingham Palace Road LONDON SW1 W B/F84 Anglo Irish -
Simplified Access to the UK's Payments Systems Takes Another
PRESS RELEASE For immediate release 15 December 2016 Simplified access to the UK’s payments systems takes another step forward with the publication of a new, cross-scheme guide to participation The UK’s interbank Payments System Operators (PSOs) – Bacs Payment Schemes Limited (Bacs), CHAPS, Cheque and Credit Clearing Company, Faster Payments and LINK – have today published a new guide entitled, An Introduction to the UK’s Interbank Payment Schemes. Available on each of the PSOs’ websites, the guide is intended for use by payments service providers (PSPs) that are considering joining, or thinking of extending more payments services to their customers. The document provides an overview of the UK’s payment schemes, what each one offers, and how they can be accessed by PSPs. It has been developed collaboratively by the schemes, capturing input from the Payments Strategy Forum, a number of challenger banks and FinTechs. This is another important step forward in the journey to open up the UK’s payments systems. This year has already seen broadening access to the schemes, with Raphaels and Metro Bank joining Faster Payments, and Societe Generale and Northern Trust joining CHAPS. In 2017, the interbank schemes are expecting growth in direct participation to continue to accelerate. Hannah Nixon, Managing Director of the Payment Systems Regulator, said: “Simple, clear and fair requirements will help make it easier to gain access to the UK’s Interbank Payment Systems. As the economic regulator for the £75 trillion UK payment systems industry, we welcome the work that has been undertaken to produce this guide – which should help introduce organisations to the different access options available to them in each of the payment systems. -
Wealth Management & Private Banking
A Meeting of Minds: Wealth Management & Private Banking Thursday 17 November 2016, The Berkeley Hotel, London, SW1 Participant List Sponsors BUSINESS STRATEGY Affinity Private Wealth - Managing Director Bordier & Cie - Chief Executive Officer C & D Partnerships - Managing Partner C Hoare & Co - Head of Front Office, Banking C Hoare & Co - Head of Wealth Front Office Canaccord Genuity Wealth Management - Chief Executive Officer Coombe Advisors Ltd - Managing Director Credit Suisse Private Bank - Chief Operating Officer Credo Group UK Ltd - Chief Executive Officer Deutsche Bank Wealth Management - Managing Director, Global Business Risk Manager Duncan Lawrie Private Banking - Chairman EFG Private Bank Ltd - Head of Private Banking Goldman Sachs - Chief Supervisory Officer Heartwood Wealth Management - Chief Executive Officer HSBC Bank Plc - EMEA Head of RegTech HSBC Bank Plc - Chief of Staff, Corporate and Institutional Digital J.P. Morgan Private Bank - Associate General Counsel Kleinwort Benson - Managing Director, Head of Private Banking Lincoln Private Investment Office - Managing Partner London & Capital - Chief Operating Officer Mirabaud & Cie SA - Co-Head of Private Wealth Management Owl Private Office - Director and Co-Founder Pictet & Cie (Europe) SA - Chief Operating Officer This list is copyright of the Owen James Group and its contents must be kept confidential and may not be passed to any third party for any purpose Santander Wealth Management - Wealth Management Director & Managing Director - Cater -
Annual-Financial-Report-2009.Pdf
Contents 4 Chairman’s statement 255 Statement of Directors’ responsibilities in relation to the Accounts 6 Group Chief Executive’s review 256 Independent auditor’s report 8 Corporate Social Responsibility 258 Additional information 12 Financial Review 276 Principal addresses - Business description 278 Index - Financial data - 5 year financial summary - Management report - Capital management - Critical accounting policies - Deposits and short term borrowings - Financial investments available for sale - Financial investments held to maturity - Contractual obligations - Off balance sheet arrangements 59 Risk Management - Risk Factors - Framework - Individual risk types - Supervision and regulation 106 Corporate Governance - The Board & Group Executive Committee - Directors’ Report - Corporate Governance statement - Employees 119 Accounting policies 136 Consolidated income statement 137 Balance sheets 139 Statement of cash flows 141 Statement of recognised income and expense 142 Reconciliations of movements in shareholders’ equity 146 Notes to the accounts 1 Forward-Looking Information This document contains certain forward-looking statements within the meaning of the United States Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of operations and business of the Group and certain of the plans and objectives of the Group. In particular, among other statements, certain statements in the Chairman’s statement, the Group Chief Executive’s review, and the Financial Review and Risk Management sections, with regard to management objectives, trends in results of operations, margins, risk management, competition and the impact of changes in International Financial Reporting Standards are forward-looking in nature.These forward-looking statements can be identified by the fact that they do not relate only to historical or current facts. -
YOUR SAY Share Prices Were Falling, Had Payments on Mobile Phones, Very Little
14 The Sunday Times July 19, 2020 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 Halifax Reward Current Account None £5 a month – 0345 720 3040 West Brom 1.14% Fixed to 30.09.22 40% £999 LV 0800 298 0008 rates at 5pm on Friday, Co-operative Bank Current with Everyday Rewards None £4 a month – 0345 721 2212 which show where the Leeds 1.24% Fixed to 31.10.22 25% £999 LV 0345 045 4049 Virgin Money Current Account None 2.02% £0.01-£1,000 0800 678 3654 market is trading. Santander 1.74% Fixed to 02.10.22 15% £999 LV 0800 100 802 They are not indicative OVERDRAFTS * 3-YEAR FIXED RATES of the rate you will 2 Lender Rate Scheme Deposit Fee Notes Contact Provider Account name Account fee Interest rate 0% overdraft limit Contact be able to get. Starling Current Account None 15% £0 starlingbank.com Barclays 1.38% Fixed to 31.10.23 25% £999 LV 0333 202 7580 M&S Bank Current Account None 39.9% £250 0800 756 7777 EURO Principality 1.88% Fixed to 30.11.23 20% £0 LV 0800 678 1000 Smile Current Account None 18.9% £0 0345 721 2212 GBP>EUR Yorkshire BS 2.15% Fixed to 31.08.23 15% £0 V 0345 166 9510 FUND FOCUS 1 Based on funding of £1,500 a month. -
Shawbrook Group Plc Annual Report & Accounts 2017
Shawbrook Group plc Annual Report & Accounts 2017 Proudly different Proudly different Word Contents Strategic report The Strategic report provides readers with a holistic picture of Shawbrook’s business model, strategy, 2017 performance and future prospects. 1 The difference in being different 2 Basis of preparation 4 Our business 6 Chairman’s statement 7 Chief Executive Officer’s statement 9 Our strategy 10 Our business model 12 Business review 24 Risk management report 42 Corporate social responsibility Corporate governance report In this section we set out our commitment to the highest standards of corporate governance in line with UK best practice, our approach to remuneration and Directors’ Responsibilities. 47 Corporate governance report 50 Board of Directors 76 Directors’ Remuneration Report 81 Directors’ report 85 Statement of Directors’ responsibilities 86 Independent Auditor’s report Financial statements The financial statements comprise of the statutory financial statements and notes to the accounts for 2017. 94 Consolidated statement of profit and loss and other comprehensive income 95 Consolidated and Company statement of financial position 96 Consolidated statement of changes in equity 97 Company statement of changes in equity 98 Consolidated and Company statement of cash flows 99 Notes to the financial statements 167 Glossary shawbrook.co.uk twitter.com/shawbrookbank twitter.com/shawbrookbroker linkedin.com/company/shawbrook-bank The difference in being different Shawbrook is a growing UK specialist bank. Our approach to lending and savings is founded on the simple and good old-fashioned quality of good sense. What sets us apart is the deep relationships we develop with our customers and business partners.