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The World’s Most Global Bank Unparalleled Global Network Industry Leading Franchises Robust Capital & Liquidity Well-diversified revenues across Iconic brand with 200+ years Supporting clients in more than businesses and across regions of experience 160 countries and jurisdictions Digital and mobile at the Scaling efficiencies through Unique presence in faster- core of a simpler, better common process, common growing emerging markets client experience platform, and common data Institutional Global Consumer Executing Clients Group Banking Our Strategy Largest proprietary global 100m Serving over 100 million customers network with physical presence in 98 countries World’s largest credit card issuer3 Extend leadership positions in areas where Facilitates ~$4 trillion of Citi has differentiated transaction flows daily capabilities A lean, urban retail bank footprint across 19 markets in the U.S., Mexico and Asia Serves more than 80% of global Fortune 500 companies Top 3 wealth manager in Asia Trusted advisor and banker Deepen and to institutional clients transform target Preeminent banking client relationships franchise in Mexico Local trading desks in 77 markets, clearing/custody network in Growing Commercial Bank 63 markets that serves mid-sized clients with cross-border needs Seed innovation across #1 global cash management1 markets and businesses Premier partner relationships, including American Airlines, Best Leader in fixed income markets2 Buy, Costco and The Home Depot $2 trillion of transactions Optimize capital Source of stable, low cost funding processed on mobile channels, deployment to deliver CitiDirect BE® Mobile and Tablet improved returns For more information on Citi, please visit citi.com/investorday Note: Information as of June 30, 2017 1 Source: Coalition. Results are based upon Citi’s internal product offering taxonomy. LTM’17 as of 2Q’17. 2Q’17 reflects results based on preliminary industry revenue pool. Peer group includes: BAC, BARC, BNP, DB, HSBC, JPM, SG, SCB and WFC. 2 Source: Coalition. Results are based upon Citi’s internal product offering taxonomy. LTM’17 as of 2Q’17.2Q’17 reflects results based on preliminary industry revenue pool. Peer group includes: BAC,BARC, BNP, CS, DB, GS, JPM, MS, RBS and UBS. 3 Based on loans outstanding as of 2Q17.

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NOT FOR DISTRIBUTION IN OR INTO OR TO ANY PERSON LOCATED OR RESIDENT IN THE UNITED STATES, ITS TERRITORIES AND POSSESSIONS, ANY STATE OF THE UNITED STATES OR THE DISTRICT OF COLUMBIA (INCLUDING PUERTO RICO, THE U.S. VIRGIN ISLANDS, GUAM, AMERICAN SAMOA, WAKE ISLAND AND THE NORTHERN MARIANA ISLANDS) OR IN OR INTO OR TO ANY PERSON LOCATED OR RESIDENT IN ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO DISTRIBUTE THIS DOCUMENT. EXOR N.V. ANNOUNCES FINAL RESULTS OF ITS TENDER OFFERS Amsterdam, 20 January 2021. EXOR N.V. (the Company) hereby announces the final results of its invitations to eligible Noteholders of its €750,000,000 2.125 per cent. Notes due 2 December 2022, ISIN XS1329671132 (of which €750,000,000 is currently outstanding) (the 2022 Notes) and its €650,000,000 2.50 per cent. Notes due 8 October 2024, ISIN XS1119021357 (of which €650,000,000 is currently outstanding) (the 2024 Notes, and together with the 2022 Notes, the Notes and each a Series) to tender their Notes for purchase by the Company for cash up to an aggregate maximum acceptance amount of €400,000,000 in aggregate nominal amount (the Maximum Acceptance Amount) (such invitations, the Offers and each an Offer). The Offers were announced on 12 January 2021 and were made on the terms and subject to the conditions set out in the tender offer memorandum dated 12 January 2021 (the Tender Offer Memorandum) prepared in connection with the Offers, and subject to the offer and distribution restrictions set out in the Tender Offer Memorandum.
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Using Replicated Ledger to Reduce Swift Costs
WHITE PAPER USING REPLICATED LEDGER TO REDUCE SWIFT COSTS Abstract Nientibus et harum la aliquos que dunt harunte nat qui assimin ctincti nimoloratur? Quis sin enim expello rescitis aliberiosam, sumendu cienimil es ab in pelibus antiunt, eatur sit volorec tetur, occus asi suntiss imporer eperis dolupta que quid quatis mo volorit quas maio. Im acest, eos si beat. Ur? Nonseque reribus. Itatium re, nissi nullupietur audis sit adis con non corrum fugias eosae nones nonsenimus Itate esto moluptatur autatis sinctota dolent labo. Sum autem reriossum eos acerestectur rem que et haribus vel etur Introduction This paper proposes an approach to build a payment product that could be deployed across units of same bank or banks which have correspondent relationships, to reduce SWIFT message costs and to conserve liquidity by reducing need for Settlement and Nostro accounts. The paper proposes an outline of a product that implements a replicated, single wrapper around existing ledgers of such bank units to enable quick, irrevocable, tamper-proof approach to managing electronic payments between correspondent bank units. Existing ledgers of the bank would not be replaced or disturbed. Instead a wrapper application would be deployed that tracks specific entries in the ledger and replicates the changes to all members. This enables each member bank to see the same ledger at the same time and also be guaranteed of its accuracy. For this purpose, it is recommended the product be built using Blockchain for established and proven security. Such a replicated ledger would reduce active, recurring costs of using SWIFT network to pass payment messages. This will also reduce the much larger passive cost of holding funds in a non- remunerative settlement a/c with the correspondent bank.
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Hsbc to Acquire Lloyds Banking Group Onshore Assets in the Uae
Ab c 29 March 2012 HSBC TO ACQUIRE LLOYDS BANKING GROUP ONSHORE ASSETS IN THE UAE HSBC Bank Middle East Ltd (‘HSBC’), an indirect wholly-owned subsidiary of HSBC Holdings plc, has entered into an agreement to acquire the onshore retail and commercial banking business of Lloyds Banking Group (‘Lloyds’) in the United Arab Emirates (‘UAE’). The value of the gross assets being acquired is US$769m as at 31 December 2011. The transaction, which is subject to regulatory approvals, is expected to complete in 2012. HSBC’s largest operations in the MENA region are based in the UAE where HSBC enjoys a market-leading trade and commercial banking presence, in addition to the largest international retail banking and wealth management business. The business being acquired from Lloyds has approximately 8,800 personal and commercial customers and a loan book of approximately US$573m as at 31 December 2011. Commenting on the acquisition, Simon Cooper, Deputy Chairman and Chief Executive Officer of HSBC in MENA, said: “HSBC is the leading international bank in the UAE and the addition of Lloyds’ strong presence in retail and commercial banking is highly complementary to our business. The acquisition underscores the strategic importance of the UAE, and of the MENA region as a whole, to HSBC.” Media enquiries to: Tim Harrison + 971 4 4235632 [email protected] Brendan McNamara +44 (0) 20 7991 0655 [email protected] ends/more Registered Office and Group Head Office: This news release is issued by 8 Canada Square, London E14 5HQ, United Kingdom Web: www.hsbc.com HSBC Holdings plc Incorporated in England with limited liability.
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HSBC Became Aware of Online Accounts Being Accessed by Unauthorized Users Between October 4, 2018 and October 14, 2018
<<Field_36>> <<Field_37>> <<Field_38>> <<Field_39>>, <<Field_40>> <<Field_41>><<Field_42>> <<First Name>> << Middle Name>> <<Last Name>> Date: November 2, 2018 <<Address 1>> <<Address 2>> <<Address 3>> <<City>>, <<State>> <<Zip>><<4 Digit Zip>> Notice of Data Breach What Happened? HSBC became aware of online accounts being accessed by unauthorized users between October 4, 2018 and October 14, 2018. When HSBC discovered your online account was impacted, we suspended online access to prevent further unauthorized entry of your account. You may have received a call or email from us so we could help you change your online banking credentials and access your account. If you need help accessing your account, please call <<Field_47>>. We apologize for this inconvenience. HSBC takes this very seriously and the security of your information is very important to us. What Information The information that may have been accessed includes your full name, mailing Was Involved? address, phone number, email address, date of birth, account numbers, account types, account balances, transaction history, payee account information, and statement history where available. What We Are We have enhanced our authentication process for HSBC Personal Internet Doing. Banking, adding an extra layer of security. Out of an abundance of caution and at our expense, HSBC is offering you a complimentary <<Field_43>>-year subscription to Identity Guard®, a credit monitoring and identity theft protection service. Identity Guard not only provides essential monitoring and protection of credit data, but also alerts you to certain activities that could indicate potential identity theft. This program is provided by Intersections Inc. (NASDAQ: INTX), a leading provider of consumer and corporate identity risk management services.
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Unilever Finance Netherlands BV
11 May 2021 Unilever Finance Netherlands B.V. (guaranteed on a joint and several basis by Unilever PLC and Unilever United States, Inc.) and Unilever PLC (guaranteed by Unilever United States, Inc.) U.S.$25,000,000,000 Debt Issuance Programme Application has been made to the Dutch Authority for the Financial Markets (Stichting Autoriteit Financiële Markten or the “AFM”) in its capacity as competent authority under Regulation (EU) 2017/1129 (the “Prospectus Regulation”) to approve this Information Memorandum for the purpose of giving information with regard to the issue of notes by Unilever PLC (“PLC Notes”) and by Unilever Finance Netherlands B.V. (“UFN Notes”, and together with PLC Notes, “Notes”) under the debt issuance programme described herein (the “Programme”) during the period of 12 months after the date hereof. This Information Memorandum is a base prospectus for the purposes of the Prospectus Regulation. This Information Memorandum has been approved by the AFM, as competent authority under the Prospectus Regulation. The AFM only approves this Information Memorandum as meeting the standards of completeness, comprehensibility and consistency imposed by the Prospectus Regulation. Such approval should not be considered as an endorsement of either the Issuers, the Guarantors or the quality of the securities that are the subject of this Information Memorandum. Investors should make their own assessment as to the suitability of investing in the Notes. The requirement to publish a prospectus under the Prospectus Regulation only applies to Notes which are to be admitted to trading on a regulated market as defined in Directive 2014/65/EU (as amended, “MiFID II”) and/or offered to the public in the European Economic Area (the “EEA”) in circumstances where no exemption is available under the Prospectus Regulation.
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REGISTRATION DOCUMENT DATED 28 March 2019
REGISTRATION DOCUMENT DATED 28 March 2019 HSBC HOLDINGS PLC (a company incorporated with limited liability in England with registered number 617987) This document (which expression shall include this document and all documents incorporated by reference herein) has been prepared for the purpose of providing disclosure information with regard to HSBC Holdings plc (the "Issuer") and has been approved by the Financial Conduct Authority, which is the competent authority in the United Kingdom for the purposes of Directive 2003/71/EC (as amended or superseded, the "Prospectus Directive") and relevant implementing measures in the United Kingdom (the "FCA"), as a registration document ("Registration Document") issued in compliance with the Prospectus Directive and relevant implementing measures in the United Kingdom for the purpose of providing the information with regard to the Issuer of debt or derivative securities during the period of twelve months after the date hereof. This Registration Document includes details of the long-term and short-term credit ratings assigned to the Issuer by Standard & Poor's Credit Market Services Europe Limited ("S&P"), Moody's Investors Service Limited ("Moody's") and Fitch Ratings Limited ("Fitch"). Each of S&P, Moody's and Fitch is established in the European Union and is registered as a Credit Rating Agency under Regulation (EU) No. 1060/2009, as amended (the "CRA Regulation"). As such, each of S&P, Moody's and Fitch is included in the list of credit rating agencies published by the European Securities and Markets Authority on its website in accordance with the CRA Regulation. CONTENTS Page RISK FACTORS .......................................................................................................................................... 1 IMPORTANT NOTICES ............................................................................................................................
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Citi Acquisition of Wachovia's Banking Operations
Citi Acquisition of Wachovia’s Banking Operations September 29, 2008 Transaction Structure Transaction Citi acquires Wachovia’s retail bank, corporate and investment bank and private bank Details businesses – Citi pays $2.2 billion to Wachovia in Citi common stock – Citi assumes substantially all of Wachovia’s debt; preferred stock excluded – Wachovia remains a publicly-traded holding company consisting of its retail brokerage and asset management businesses Capital Citi expects to raise $10 billion in common equity from the public markets Citi issues preferred stock and warrants to FDIC with a fair value of $12 billion at closing, accounted for as GAAP equity with full Tier 1 and leverage ratio benefit Quarterly dividend reduced to $0.16 per share immediately Regulatory capital relief on substantially all of the $312 billion of loss protected assets Risk Mitigation Citi enters loss protection arrangement with the FDIC on $312 billion of loss protected assets; maximum potential Citi losses of $42 billion – Citi is responsible for the first $30 billion of losses, recorded at closing through purchase accounting – Citi is responsible for the next $12 billion of losses, up to a maximum of $4 billion per year for the next three years – FDIC is responsible for any additional losses – Citi issues preferred stock and warrants to FDIC with a fair value of $12 billion at closing Approvals FDIC approved; subject to formal Federal Reserve approval and Wachovia shareholder approval Closing Anticipated by December 31, 2008 1 Terms of Loss Protection
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Appendix E: Occ Supervision of Citibank, Na
APPENDIX E: OCC SUPERVISION OF CITIBANK, N.A. I. OCC’s Supervision of Large National Banks The foundation of the OCC’s supervision of the largest national banks is our continuous, on-site presence of examiners at each of our 15 largest banking companies. Citibank is one of the banks in our Large Bank Program. These 15 banking companies account for approximately 89 percent of the assets held in all of the national banks under our supervision. The resident examiner teams are supplemented by subject matter experts in our Policy Division, as well as Ph.D. economists from our Risk Analysis Division trained in quantitative finance. Since 2005, the resident examiner team at Citibank averaged approximately 50 resident examiners, supplemented by the subject matter experts and economists mentioned above, and additional examiners as needed on specific targeted examinations. Our Large Bank Program is organized with a national perspective. It is highly centralized and headquartered in Washington, and structured to promote consistency and coordination across institutions. The onsite teams at each or our 15 largest banks are led by an Examiner-In-Charge (“EIC”), who reports directly to one of the Deputy Comptrollers in our Large Bank Supervision Office in Washington, DC. This enables the OCC to maintain an on- going program of risk assessment, monitoring, and communication with bank management and directors. Resident examiners apply risk-based supervision to a broad array of risks, including credit, liquidity, market, compliance, and operational risks. Supervisory activities are based on supervisory strategies that are developed for each institution that are risk-based and focused on the more complex banking activities.
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Wells Fargo HSBC Trade Bank, N.A. Charter Number: 22897
O Comptroller of the Currency Administrator of National Banks Wholesale Washington, D.C. Public Disclosure June 30, 2006 Community Reinvestment Act Performance Evaluation Wells Fargo HSBC Trade Bank, N.A. Charter Number: 22897 1 Front Street – 21st Floor San Francisco, CA 94111 Office of the Comptroller of the Currency Large Bank Supervision 250 E Street SW Washington, D.C. 20219-0001 NOTE: This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution. This evaluation is not, nor should it be construed as, an assessment of the financial condition of this institution. The rating assigned to this institution does not represent an analysis, conclusion, or opinion of the federal financial supervisory agency concerning the safety and soundness of this financial institution. Charter Number 22897 Institution’s CRA rating: This institution is rated “Outstanding.” The major characteristics that support this rating are: • Wells Fargo HSBC Trade Bank (Trade Bank) demonstrates a high level of qualified investments and, community development loans in its assessment areas. • Trade Bank rarely uses innovative or complex qualified investments or community development loans, in its assessments areas. • Trade Bank demonstrates an excellent level of responsiveness to credit and community economic development needs in its assessment areas. Scope of the Examination In evaluating the bank’s performance under the Community Reinvestment Act (CRA), we reviewed community development (CD) activities from November 18, 2003 through June 30, 2006. We evaluated the level and nature of qualified investments, CD lending, and CD services.
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Citizens' Acquisition of East Coast Branches and National Online
Citizens’ Acquisition of East Coast Branches and National Online Deposits from HSBC Expanding the Footprint in Key Strategic Markets with Significant Opportunity for Growth May 26, 2021 Forward-looking statements “Safe Harbor” Statement under the Private Securities Litigation Reform Act of 1995: This communication contains “forward‐looking statements” —that is, statements related to future, not past, events. In this context, forward‐looking statements often address our expected future business and financial performance and financial condition, and often contain words such as “expect,” “anticipate,” “intend,” “plan,” “believe,” “seek,” “see,” “will,” “would,” or “target.” Forward‐looking statements by their nature address matters that are, to different degrees, uncertain. Uncertainties that could cause our actual results to be materially different than those expressed in our forward‐looking statements include the failure to consummate this transaction or to make or take any filing or other action required to consummate any such transaction on a timely matter or at all. These or other uncertainties may cause our actual future results to be materially different from those expressed in our forward‐looking statements. We caution you, therefore, against relying on any of these forward‐looking statements. They are neither statements of historical fact nor guarantees or assurances of future performance. More information about factors that could cause actual results to differ materially from those described in the forward‐looking statements can
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Brown Brothers Harriman Global Custody Network Listing
BROWN BROTHERS HARRIMAN GLOBAL CUSTODY NETWORK LISTING Brown Brothers Harriman (Luxembourg) S.C.A. has delegated safekeeping duties to each of the entities listed below in the specified markets by appointing them as local correspondents. The below list includes multiple subcustodians/correspondents in certain markets. Confirmation of which subcustodian/correspondent is holding assets in each of those markets with respect to a client is available upon request. The list does not include prime brokers, third party collateral agents or other third parties who may be appointed from time to time as a delegate pursuant to the request of one or more clients (subject to BBH's approval). Confirmations of such appointments are also available upon request. COUNTRY SUBCUSTODIAN ARGENTINA CITIBANK, N.A. BUENOS AIRES BRANCH AUSTRALIA CITIGROUP PTY LIMITED FOR CITIBANK, N.A AUSTRALIA HSBC BANK AUSTRALIA LIMITED FOR THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED (HSBC) AUSTRIA DEUTSCHE BANK AG AUSTRIA UNICREDIT BANK AUSTRIA AG BAHRAIN* HSBC BANK MIDDLE EAST LIMITED, BAHRAIN BRANCH FOR THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED (HSBC) BANGLADESH* STANDARD CHARTERED BANK, BANGLADESH BRANCH BELGIUM BNP PARIBAS SECURITIES SERVICES BELGIUM DEUTSCHE BANK AG, AMSTERDAM BRANCH BERMUDA* HSBC BANK BERMUDA LIMITED FOR THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED (HSBC) BOSNIA* UNICREDIT BANK D.D. FOR UNICREDIT BANK AUSTRIA AG BOTSWANA* STANDARD CHARTERED BANK BOTSWANA LIMITED FOR STANDARD CHARTERED BANK BRAZIL* CITIBANK, N.A. SÃO PAULO BRAZIL* ITAÚ UNIBANCO S.A. BULGARIA* CITIBANK EUROPE PLC, BULGARIA BRANCH FOR CITIBANK N.A. CANADA CIBC MELLON TRUST COMPANY FOR CIBC MELLON TRUST COMPANY, CANADIAN IMPERIAL BANK OF COMMERCE AND BANK OF NEW YORK MELLON CANADA RBC INVESTOR SERVICES TRUST FOR ROYAL BANK OF CANADA (RBC) CHILE* BANCO DE CHILE FOR CITIBANK, N.A.
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Kevin Bonebrake Joins Lazard As a Managing Director in Oil and Gas Financial Advisory
KEVIN BONEBRAKE JOINS LAZARD AS A MANAGING DIRECTOR IN OIL AND GAS FINANCIAL ADVISORY NEW YORK, January 11, 2017 – Lazard Ltd (NYSE: LAZ) announced today that Kevin Bonebrake has joined the firm as a Managing Director, Financial Advisory, effective immediately. Based in Houston, he will advise companies in the oil and gas sector on mergers and acquisitions and other financial matters. “As the energy industry continues to undergo transformative change, Lazard has been advising clients on a growing number of both strategic transactions and restructuring assignments,” said Matt Lustig, head of North American Investment Banking at Lazard. “Kevin will be a strong addition to our Houston team and enhance our ability to advise our energy clients worldwide.” Mr. Bonebrake has more than 12 years of energy-sector advisory experience, with a focus on North American independent exploration & production companies, majors and national oil companies. He joins Lazard from Morgan Stanley, where he was most recently a Managing Director in the firm’s Global Natural Resources practice within the Investment Banking Division. Between 2003 and 2009 he worked for Salomon Smith Barney/Citigroup as a member of its Global Energy Investment Banking team. About Lazard Lazard, one of the world’s preeminent financial advisory and asset management firms, operates from 42 cities across 27 countries in North America, Europe, Asia, Australia, Central and South America. With origins dating to 1848, the firm provides advice on mergers and acquisitions, strategic matters, restructuring and capital structure, capital raising and corporate finance, as well as asset management services to corporations, partnerships, institutions, governments and individuals.
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