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It's Personal
SIMON PUGH & PETER WOODS QLM Label Makers BOQ Business Banking customers It’s personal LYNNE POWER BOQ Owner-Manager KATIE KOCHANSKI Daisy Hill branch BOQ customer since age 7 Shareholder Review 2010 BOQ SHR 2010 FA - PRINT.indd 2 21/10/10 11:30 AM JONAH & AMBER Community members SHIRLEY KOLPAK Shareholder It’s personal BOQ SHR 2010 FA - PRINT.indd 3 21/10/10 11:30 AM CONTENTS 1 Operational overview 3 Acquisitions 4 Financial highlights 7 Chairman’s report 11 Managing Director’s report 15 Community 17 Customers 17 Environment 18 Employees 19 Executive team 21 Your Board 25 Remuneration overview 26 Financial calender BOQ SHR 2010 FA - PRINT.indd 4 21/10/10 11:30 AM BRAND RELAUNCH In February 2010, BOQ launched At BOQ, most of our branches are run by local a new brand promise: Owner-Managers. This means they’re running your own personal bank a small business, so they get what it means to The new brand was the culmination of deliver personal service. So we really can deliver an 18 month “inside out” brand review, on our promise of being your own personal bank. where both staff and customers helped The brand relaunch also represented the to really define what makes BOQ different perfect moment in time to reintroduce ourselves to the other banks. The overwhelming as BOQ, rather than the state-centric name of response was that for us, it’s personal. Bank of Queensland. Over the past decade, we have expanded right across Australia. And it all started with this simple question. -
Important Changes to the Commonwealth Awards Program
Important changes to the Commonwealth Awards program Changes to the Commonwealth Awards program As part of the changes that are being made to introduce new Commonwealth Bank American Express Cards alongside Commonwealth Bank MasterCard and Visa credit cards there are changes to the Commonwealth Awards program. From 23 October 2009 existing Platinum Awards, Gold Awards and Awards credit card accounts can request to receive a new Commonwealth Bank American Express credit card and a replacement Commonwealth Bank MasterCard or Visa credit card. Using the new Commonwealth Bank American Express credit card you’ll be able to earn Commonwealth Awards points faster: Commonwealth Awards points earned per dollar spent American Express® MasterCard®/Visa® Platinum Awards 3 Awards points 1 Awards point Gold Awards 2 Awards points 1 Awards point Awards 1.5 Awards points 1 Awards point From the end date of the statement issued on your card account in January 2010 there will be a change to the number of Awards points that you can earn (points capping) and the rates at which you are able to earn points. As a result changes will be made to your terms and conditions and these are detailed in the following pages. 1 Changes to the Commonwealth Awards program Clauses 18 and 19 of the Commonwealth Awards Program Terms and Conditions (17 August 2009) have been replaced with the following clauses. Earning Awards points 18. Members can earn Commonwealth Awards points relative to the number of Australian dollars charged, billed and paid for eligible transactions on their Card account. The number of Commonwealth Awards points a Member may earn is capped according to the Member’s Card type and whether or not the Member has opted-in to Qantas Frequent Flyer Direct. -
Architecture Creating Connections Recognised in 2020 Victorian Architecture Awards Shortlist
Architecture creating connections recognised in 2020 Victorian Architecture Awards shortlist The best of Victoria’s architecture, showcasing the immense value architects add when embedded end to end in a project, has been revealed with the release today of the 2020 Victorian Architecture Awards shortlist. The awards program, run by the Victorian Chapter of the Australian Institute of Architects, features a shortlist recognising architecture in the public realm, residential sector, regional areas, embedded sustainability and much more. Spread across 14 categories, 108 entries have made the shortlist which encompasses 76 individual projects. Victorian Chapter President Amy Muir says the shortlisted projects define the significant role that quality built outcomes have in creating sustainable, resilient buildings that can endure for generations. The selected projects go beyond the parameters of the brief to deliver compelling results. ‘This year’s shortlisted projects are exemplars of the outcomes that can be achieved when architects are engaged in the entire process, resulting in a strong collaboration between client, consultants and contracted builders,’ said Ms Muir. ‘These projects are leading examples of how architects elevate quality through carefully considered outcomes in the building process. The selected projects create a lasting legacy that enable architecture to be accessed more broadly throughout the community. ‘During these strange times we are thrilled to celebrate architecture that continues to challenge the status quo. In -
Jeff Copolov CV.Pdf
BATES SMART CURRICULUM VITAE EDUCATION SYNOPSIS / Royal Melbourne Institute of Technology After graduating from RMIT University with Fellowship Diploma of Interior Design a Fellowship Diploma of Interior Design, Jeff began his career as a set designer in the PROFESSIONAL ASSOCIATIONS television industry. He joined Bates Smart / Member of the Design Institute of Australia in 1983 and in 1995 he became the first / Fellow of the Design Institute of Australia director of interior design at Bates Smart. PROFESSIONAL EXPERIENCE During his career Jeff has been awarded a number of prestigious accolades. In 2003 he Jeffery joined Bates Smart in 1983, received the IDEA Gold Medal for significant becoming an Associate in 1985, an contributions to the design industry and in Associate Director in 1988 and a 2010 he was awarded Designer of the Year Director in 1995. at the IDEA awards. He was inducted into JEFFERY COPOLOV Prior to joining Bates Smart: the Design Institute of Australia’s Hall of DipIntDes, FDIA / ABC Channel 2, Melbourne Fame in 2018, in recognition of outstanding Director / GTV Channel 9, Melbourne contributions to the Australian design industry. Jeff has a classically modern, timeless approach to design and a reputation for producing highly refined and carefully targeted design solutions. He is known for his relentless attention to detail. Regularly working with architectural colleagues from the outset, Jeff oversees the entire design process to craft buildings from the inside out. His broad experience covers a wide range of building types, including commercial, hospitality, residential, retail, education and health, all of which promotes a rich diversity of cross-discipline thought. -
Bankwest Qantas Transaction Account Product Schedule
Bankwest Qantas Transaction Account Product Schedule NB: This Product Schedule is specific to the above account and/or any facility made available with the account. Together with the Schedule you will be given our Bankwest Investment and Transaction Accounts Terms and Conditions, our Bankwest Banking Services Rights and Obligations brochure, our Bankwest Your Guide to Banking Fees brochure and our Bankwest Account Access Conditions of Use. Together these documents comprise the Bank's Product Disclosure Statement (PDS) for the account and/or facility. 1 About the Qantas Transaction Account The Bankwest Qantas Transaction Account is an account for personal customers who are over 18 years of age that may earn credit interest, and provides unlimited access to Bankwest facilities, including over-the-counter, Bankwest ATMs, Phone Banking, Bankwest Online Banking and Cheque Access. There is a limit of one account per person, whether as a single or joint account holder. The Bankwest Qantas Transaction Account will allow customers to earn Qantas Frequent Flyer points. Qantas Frequent Flyer points may be subject to personal income or other tax assessment. You should check with your accountant or tax adviser for further information. 2 Features 2.1 This account offers the following optional facilities: A Payment Device*; Bankwest Online Banking; Bankwest Platinum Debit Mastercard - only available to Australian Citizens, Temporary or Permanent Residents over 18 with an Australian residential address (limited exceptions may apply subject to conditions), who deposit a minimum $4,000 to the account per calendar month; Cheque Access; Debit Mastercard - only available to Australian Citizens, Temporary or Permanent Residents over 18 with an Australian residential address (limited exceptions may apply subject to conditions); Direct Debit Facility; Online Business Banking Periodical Payments; and Phone Banking; *Effective 28 September 2021 the Bankwest Halo payment device is withdrawn from sale. -
Suncorp Group Limited (Sun) 3 August 2017
SUNCORP GROUP LIMITED (SUN) 3 AUGUST 2017 RESULTS Full Year 2017 Full Year 2016 CHANGE Cash Earnings ($m) 1,145 1,089 +5.1% Australian Insurance GWP ($m) 8,111 7,803 +3.9% Gross Written Premiums Australian Insurance NPAT ($m) 723 558 +29.6 Banking & Wealth NPAT ($m) 400 418 -4.3% Group NPAT ($m) 1,075 1,038 +3.6% Bloomberg Consensus ($m) 1,210 Final Dividend ($) 0.40 0.38 +5.3% Suncorp (SUN) insurance arm outperforms its banking division Suncorp Group Limited (SUN) cash profit for the 2017 full year came in lower than expected as the banking and insurance firm continues to spend on its refresh strategy. SUN posted a group Net Profit After Tax (NPAT) increase of 3.6% to $1,075 million, helped by a lift in insurance premiums and tight cost management. Suncorp’s Australian insurance business listed a better than expected lift in profit, helped by a 3.9% lift in Gross Written Premiums and lower costs from Natural hazards. SUN noted that recent elevated incidence claims within the income protection and trauma businesses are being carefully monitored. General insurance claims lifted in the second half of the year group claims ratio of 71.1% up from 66.4% in the first half of the year. Suncorp’s Life Insurance net profit after tax fell 50% to $34 million as the company works to keep underlying profits stable. Challenging market conditions has made it harder to lock in new business and renew contracts. SUN’s New Zealand insurance unit was hit by the Kaikoura earthquake and related reinsurance costs due to the quake. -
Current Job Opportunity Job Title Receptionist Date
Bates Smart Pty Ltd Sydney 43 Brisbane Street Melbourne 1 Nicholson Street ABN 70 004 999 400 Surry Hills NSW 2010 Australia Melbourne Victoria 3000 Australia T+612 8354 5100 F+612 8354 5199 T+613 8664 6200 F+613 8664 6300 [email protected] [email protected] www.batessmart.com Current Job Opportunity Architecture Interior Design Job Title Receptionist Date Posted 21 January 2020 Urban Design Strategy Location Sydney Reference Code WP/Receptionist Employment Type Full-Time (8:00am-5:00pm) Salary Range $48,000-$55,000 + super Job Description Bates Smart seeks a talented candidate to join our Administration team in Sydney. The successful candidate will have excellent communication skills and have demonstrated the ability to provide excellent customer service or have experience working within a similar role in a corporate environment. As the Receptionist, you will be the first point of contact for all internal and external stakeholders across the business. The Receptionist is responsible for answering all incoming calls and front desk tasks and assisting the EA’s and Events Coordinator with general administration tasks and ensuring the general day-to-day smooth running of all staff amenities. Responsibilities Reception / Brand ambassador for Bates Smart. / Ownership and pride in reception area, maintain high level of presentation. / Receive and transfer all incoming calls. / Meet and greet all visitors and inform staff of arrival. / Open, sort and stamp post and distribute to staff/prepare outgoing post (including international and domestic couriers). / Coordinate and order catering for meetings with upon EA’s instruction. / Reconcile supplier invoices (taxi, courier, flowers etc) / Maintain Cab charge register and monitor usage. -
MACQUARIE GROUP CAPITAL NOTES 4 PROSPECTUS Guidance for Investors
Macquarie Group Capital Notes 4 Prospectus for the issue of Macquarie Group Capital Notes 4 (MCN4) to raise $750 million with the ability to raise more or less. Issuer Arranger and Joint Lead Managers Co-Managers Macquarie Group Limited Joint Lead Manager ANZ Securities Limited Macquarie Equities Limited ABN 94 122 169 279 Macquarie Capital Citigroup Global Markets Australia Bell Potter Securities Limited Pty Limited (Australia) Limited JBWere Limited Commonwealth Bank of Australia Ord Minett Limited Evans Dixon Corporate Advisory Pty Limited J.P. Morgan Securities Australia Limited Morgans Financial Limited National Australia Bank Limited Westpac Institutional Bank macquarie.com Important notices About this Prospectus Past performance information This Prospectus relates to the offer by Macquarie Group Limited The financial information provided in this Prospectus is for information ABN 94 122 169 279 (“MGL”) of Macquarie Group Capital Notes 4 purposes only and is not a forecast of performance to be expected in (“MCN4”) to raise $750 million with the ability to raise more or less future periods. Past performance and trends should not be relied upon (the “Offer”). as being indicative of future performance and trends. This Prospectus is dated 5 March 2019 and a copy was lodged with Financial statements and forward looking information the Australian Securities and Investments Commission (“ASIC”) on Section 3.7 sets out financial information in relation to MGL. The basis that date pursuant to section 713(1) of the Corporations Act 2001 of preparation of that information is set out in section 3.7. All financial (Cth) (“Corporations Act”) (as modified by the ASIC Corporations amounts contained in this Prospectus are expressed in Australian (Regulatory Capital Securities) Instrument 2016/71). -
Victorian Architecture Awards — 2019
Victorian Architecture Awards — 2019 Shortlist Shortlisted projects are listed in alphabetical order by practice name Residential Architecture - Houses (New) Farmer Street | MAArchitects 37 entries / 13 shortlisted projects Clyde Mews | Six Degrees Architects Hawke & King | Six Degrees Architects St Andrews Beach House | Austin Maynard Architects Residential Architecture - Multiple Housing Jury Hawthorn House | Edition Office Richard Middleton (Chair) | HASSELL Bonnie Herring | Breathe Architecture Point Lonsdale House | Edition Office Jesse Linardi | DKO Architecture Ballarat House | Eldridge Anderson Sandy Point House | Kennedy Nolan Residential Architecture - Houses Fitzroy Lane | Kennedy Nolan (Alterations and Additions) Canopy House | Leeton Pointon Architects 35 entries / 14 shortlisted projects & Interiors Springhill House | Lovell Burton South Yarra House | AM Architecture Architecture Cascade House | Atelier Red+Black North Melbourne House | NMBW Grant House | Austin Maynard Architects Architecture Studio Brick & Gable House | Breathe Architecture Daylesford Longhouse | Partners Hill 182 Rose | Fieldwork Bluff House | Rob Kennon Architects LIGHT CORRIDOR HOUSE | Figr House in the Hills | Sean Godsell Architects Storybook House | Folk Architects Cornerstone House | Splinter Society York St Residence | Jackson Clements Architecture Burrows Architects Caroline House | Kennedy Nolan Residential Architecture - Houses (New) Jury Rodney Eggleston (Chair) | March Studio Oak House | Kennedy Nolan Andrew Simpson | Andrew Simpson Architects -
Bankwest – Same Bank, Different Look. Yes, We're Evolving Our Look, But
Stay safe online. Never share your personal details or log into online banking accounts directly from an email or SMS. No images? view in browser. Bankwest – same bank, different look. Yes, we’re evolving our look, but rest assured we're still the same Bankwest on the inside – 125 years young and every bit committed to helping you and your customers bank less. While it won’t change the way you, your brokers or your customers bank with us, here’s how we will look a little different: 1. Different logo - we've taken inspiration from our current logo and created a new one that feels familiar. 2. Modern design - a new look that's been designed with a digital-first approach and is fuss- free. 3. Accessible colours - a brighter palette that’s easier for those with visual impairments to view and read info online. Rolling out a new look will take time, so our old logo and new logo will co-exist for a while before our refresh is complete. At first, you'll notice changes to our website, the Bankwest App and emails. After that, we'll update online banking, eStatements and our branches. In the meantime, if you see our old logo on a document, while our new logo is on an email – don't worry, it's still us! We ask that you please update the Bankwest logo across your internal platforms, systems, website, marketing materials, etc, using the attached file provided. To support brokers with keeping their websites and marketing materials up-to-date, we hope you can please share the attached logo and the below disclaimer message with accredited Bankwest brokers in your member base. -
Australian Banks – in a Sweet Spot
c Investment Strategy Update #47 Australian Banks – In a sweet spot • Australian bank stocks are in a sweet spot where banks offer a sensible hedge against this backdrop. both macroeconomic and stock specific factors Rising long bond yields and a steepening yield curve are providing a strong tailwind for further are positive for bank margins which have been performance. crushed by low rates and a flat yield curve. • Despite a rapid valuation re-rating since October In addition, as the economy has reopened, for the 2020, we see more upside as earnings (and most part faster than expected, and the housing dividends) continue to be upgraded and as the market has responded to policy initiatives and low sector benefits from a steepening yield curve, borrowing rates, the bear case for banks has been lower than expected bad and doubtful debt quickly unwound and we think the earnings and charges, improving credit demand and a reversal dividend upgrade cycle still has some way to play out. of underweight positions as reflation drives Investor sentiment has also shifted since 4Q20, with further value stock rotation. institutional investors closing their underweight positions, with rising dividends expected to further • Macquarie upgraded banks’ earnings by 10-25% through the recent reporting season. For a large- stimulate retail investor interest. cap sector, this is substantial, and while medium- Relative price performance improving term structural challenges remain, there is still Banks versus ASX200 scope for additional valuation expansion. $ Relative Price vs EPS Performance 130 • Macquarie’s order of preference within the sector 120 is ANZ Bank (ANZ), Westpac (WBC), National 110 Australia Bank (NAB) and Commonwealth Bank 100 (CBA). -
Commonwealth Bank of Australia (Incorporated with Limited Liability in the Commonwealth of Australia and Having Australian Business Number 48 123 123 124) As Issuer
Commonwealth Bank of Australia (incorporated with limited liability in the Commonwealth of Australia and having Australian Business Number 48 123 123 124) as Issuer U.S.$30,000,000,000 CBA Covered Bond Programme unconditionally and irrevocably guaranteed as to payments of interest and principal by Perpetual Corporate Trust Limited (incorporated with limited liability in the Commonwealth of Australia and having Australian Business Number 99 000 341 533) as trustee of the CBA Covered Bond Trust Under the U.S.$30,000,000,000 CBA Covered Bond Programme (the Programme) established by Commonwealth Bank of Australia ABN 48 123 123 124 (the Bank and the Issuer), the Issuer may from time to time issue bonds (Covered Bonds) denominated in any currency agreed between the Issuer and the Relevant Dealer(s) (as defined below). The price and amount of the Covered Bonds to be issued under the Programme will be determined by the Issuer and the Relevant Dealer(s) at the time of issue in accordance with the prevailing market conditions. Any Covered Bonds issued under the Programme on or after the date of this Prospectus are issued subject to the provisions described in this Prospectus and in any supplement hereto. Perpetual Corporate Trust Limited ABN 99 000 341 533 in its capacity as trustee of the CBA Covered Bond Trust (the Trust and, in such capacity, the Covered Bond Guarantor) has guaranteed payments of interest and principal under the Covered Bonds pursuant to a guarantee which is secured over the Mortgage Loan Rights (as defined in this Prospectus) and the other Assets of the Trust.