FOI6236-Information Provided Annex A
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2017 IIF Annual Membership Meeting List of Participants 10/04/2017 1 International Fincentre Associates Aberdeen Asset Management Aberdeen Standard Investments Aberdeen Standard Investments Abraaj Capital Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Investment Authority Abu Dhabi Investment Authority Abu Dhabi Investment Authority Abu Dhabi Investment Authority Access Bank Plc Access Bank Plc Access Bank Plc Access Bank Plc Acreditus Aflac Global Investments Aflac Global Investments Aflac International Aflac International AFME Africa Finance Corporation African Export Import Bank Page 1 of 51 2017 IIF Annual Membership Meeting List of Participants 10/04/2017 African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank Agricultural Bank of China, New York Branch Agricultural Bank of China, New York Branch AIG AIG AIIB Akbank Akbank Aker International AG Al Ahli Bank of Kuwait K.S.C.P Al Ahli Bank of Kuwait K.S.C.P Al Rajhi Bank Alawwal Bank Alawwal Bank Alawwal Bank Alawwal Bank Alawwal Bank Albaraka Turk Participation Bank Albaraka Turk Participation Bank Albaraka Turk Participation Bank Page 1 of 51 2017 IIF Annual Membership Meeting List of Participants 10/04/2017 Algebris Investments AllianceBernstein L.P. -
February 2019
The definitive source of news and analysis of the global fintech sector | February 2019 www.bankingtech.com SUPERSTRUCTURES Fintech reaches new heights CASE STUDY: CITIZENS BANK US heavyweight pivots for digital era FOOD FOR THOUGHT: CAREER CHOICES The Venn diagram of doom FINTECH FUTURES IN THIS ISSUE THEM US Contents NEWS 04 The latest fintech news from around the globe: the good, the bad and the ugly. 18 Banking Technology Awards The glamour, the winners and the celebrations. 23 Focus: intraday liquidity Are banks ready to meet the ECB’s latest expectations? 24 Interview: Pavel Novak, Zonky P2P lender on a “mission possible”. 26 Focus: data How DNB uses data to reconnect with customers. 30 Analysis: openfunds Admirable data standardisation efforts for the funds industry. 32 Case study: Citizens Bank US’s 13th largest bank embraces digital era. 38 Food for thought Making career choices and the Venn diagram of doom. They struggle with Fintech complexity. We see straight to your goal. We leverage proprietary knowledge and technology to solve complex regulatory challenges, create new products 40 Comment What would a recession mean for fintech? and build businesses. Our unique “one fi rm” approach brings to bear best-in-class talent from our 32 offi ces worldwide—creating teams that blend global reach and local knowledge. Looking for a fi rm that can help keep 42 Interview: Javier Santamaría, EPC your business moving in the right direction? Visit BCLPlaw.com to learn more. Happy one year anniversary, SEPA Instant Credit Transfer! REGULARS 44 -
Investor Book (PDF)
INVESTOR BOOK EDITION OCTOBER 2016 Table of Contents Program 3 Venture Capital 10 Growth 94 Buyout 116 Debt 119 10 -11 November 2016 Old Billingsgate PROGRAM Strategic Partners Premium Partners MAIN STAGE - Day 1 10 November 2016 SESSION TITLE COMPANY TIME SPEAKER POSITION COMPANY Breakfast 08:00 - 10:00 CP 9:00 - 9:15 Dr. Klaus Hommels Founder & CEO Lakestar CP 9:15 - 9:30 Fabrice Grinda Co-Founder FJ Labs 9:35 - 9:50 Dr. Klaus Hommels Founder & CEO Lakestar Fabrice Grinda Co-Founder FJ Labs Panel Marco Rodzynek Founder & CEO NOAH Advisors 9:50 - 10:00 Chris Öhlund Group CEO Verivox 10:00 - 10:10 Hervé Hatt CEO Meilleurtaux CP Lead 10:10 - 10:20 Martin Coriat CEO Confused.com Generation 10:20 - 10:30 Andy Hancock Managing Director MoneySavingExpert K 10:30 - 10:45 Carsten Kengeter CEO Deutsche Börse Group 10:45 - 10:55 Carsten Kengeter CEO Deutsche Börse Group FC Marco Rodzynek Founder & CEO NOAH Advisors CP 10:55 - 11:10 Nick Williams Head of EMEA Global Market Solutions Credit Suisse 11:10 - 11:20 Talent 3.0: Science meets Arts CP Karim Jalbout Head of the European Digital Practice Egon Zehnder K 11:20 - 11:50 Surprise Guest of Honour 11:50 - 12:10 Yaron Valler General Partner Target Global Mike Lobanov General Partner Target Global Alexander Frolov General Partner Target Global Panel Shmuel Chafets General Partner Target Global Marco Rodzynek Founder & CEO NOAH Advisors 12:10 - 12:20 Mirko Caspar Managing Director Mister Spex 12:20 - 12:30 Philip Rooke CEO Spreadshirt CP 12:30 - 12:40 Dr. -
Understanding Self-Directed Investors Research Report
March 2021 Understanding self- directed investors A summary report of research conducted for The Financial Conduct Authority britainthinks.com BritainThinks Understanding self-directed investors Contents Introduction ............................................................................................ 3 Key findings on the self-directed investor audience ............................... 4 Background & Methodology ................................................................... 6 The self-directed investment landscape ................................................. 9 Understanding self-directed investors ...................................................11 Identifying a new group of self-directed investors .................................15 Implications for the future ......................................................................20 Appendix ...............................................................................................22 BritainThinks | Private and Confidential 2 Understanding self-directed investors Introduction Many people engage with the consumer investment market every day, making sensible decisions to grow their wealth. However, there is evidence that some consumers are making or are led into making poor investment choices. In some instances, this may lead to consumers holding a lot of money in cash, missing out on potential investment returns. In others it may lead them to invest in high risk products, which may not reflect their risk tolerance or their ability to afford the losses. In particular, -
Annual Report 2013
1 Annual Report & Financial Statements 2013 2 National Friendly Annual Report & Financial Statements 2013 Advisors Independent Auditors PricewaterhouseCoopers LLP, 31 Great George Street, Bristol, BS1 5QD Bankers HSBC, 62 George White Street, Cabot Circus, Bristol, BS1 3BA Custodians Northern Trust, 50 Bank Street, Canary Wharf, London, E14 5NT Internal Auditors Mazars LLP, Clifton Down House, Beaufort Buildings, Clifton, Bristol, BS8 4AN Investment Managers Equity and Fixed Income Fund Fidelity Investments Limited, 25 Cannon Street, London, EC4M 5TA Contact Details Unit Linked Fund Church House Investments, 3 Goldcroft, Head Office Yeovil, Somerset, BA21 4DQ 4-5 Worcester Road, Clifton, Bristol BS8 3JL Telephone 0117 973 9003 [email protected] Solicitors www.nationalfriendly.co.uk Thring Townsend Lee & Pembertons, The Paragon, Counterslip, Bristol, BS1 6BX Established 1868 – Registered and incorporated Friendly Society no. 369F. Beachcroft LLP, 100 Fetter Lane, London, EC4A 1BN Member of the Association of Financial Mutuals. Authorised by the Prudential Regulation Authority Lovells, Atlantic House, Holborn Viaduct, and regulated by the Financial Conduct Authority London, EC1A 2FG. and the Prudential Regulation Authority. Chief Executive Officer: Jonathan Long Surveyors Company Secretary: Sandy Richards Mellersh and Harding LLP, Kingsbury House, 15-17 King Street, London SW1 6QU With-Profit Actuary BWCI Limited, Albert House, South Esplanade, St Peter Port, Guernsey, GY1 1AW Chairman’s review 3 highlights Financial Strategic -
MITOCW | Class 9: Trading & Capital Markets
MITOCW | Class 9: Trading & Capital Markets [SQUEAKING] [RUSTLING] [CLICKING] GARY Welcome back to FinTech, Shaping the World of Finance. Today, we're going to GENSLER: review developments in finance and technology related to capital markets. And since there's so many pieces with capital markets, I've chosen to take the time to dig more deeply into two areas, online brokerage, or really mobile brokerage applications, and wealth advising through robo advising. But we'll touch upon the broader capital markets as well as a little touch on cryptocurrencies because some of the most successful financial technology companies in the capital markets have actually been crypto exchanges and some of the endeavors around crypto markets. So if I just take a moment just to share my screen and share some slides, and we'll get going here. Online brokerage, this is not a new tradition. It goes back actually several decades. And so then the question is, what's happened here in the last six or eight years? What's happened that this startup Robinhood and others have really just toppled over the last remaining bits of the commission structure that we've had? Robo advising and then capital markets, FinTech startups more generally. We'll have to do a quick survey there and then a little discussion of what's happening in crypto exchanges and decentralized finance, because it's really the question, will that actually transform finance, or will it stay as it is right now, a more narrow niche, though, still a $200 billion asset class environment? But will some of those technologies come into mainstream finance? So the readings again were mostly focused around those two areas, robo advising and online brokerage, and how Robinhood has transformed the industry, and how Charles Schwab and others entered into by the late part of 2019 what some call the New Broker Wars, in part because of this financial technology along the way. -
Bank of Scotland Share Dealing Terms & Conditions
Share Dealing Terms and Conditions Effective from 1st April 2021 Contents 1. These terms and conditions and 14. Information about the agreement between us 1 your account 21 2. About us 1 15. Complaints and compensation 23 3. Definitions 2 16. Changing this agreement 4. The service and your account 7 and termination 23 5. Opening an account 8 17. Our liability, governing law, 6. Using the service 10 regulation and tax reporting 24 7. Funding and withdrawing 18. TradePlan 25 amounts from your account 11 19. Regular investments and 8. Dealing 13 subscriptions 27 9. Settlement 15 20. Dividend Reinvestment Plan (DRIP) 27 10. Holding investments and cash in your account 16 21. Supplementary Conditions for ISAs 28 11. Our right to use your assets 18 How to complain 33 12. Corporate actions 19 13. Costs and Charges 20 Bank of Scotland Share Dealing Service 1. These terms and conditions and the 1.6 Throughout these terms and conditions, the agreement between us words in bold have the meanings given to them in Condition 3. 1.1 These terms and conditions set out terms which apply to the Bank of Scotland Share 1.7 We also use the words: Dealing Service. ► “we”, “us” and “our” to mean Halifax Share 1.2 These terms and conditions, together with the Dealing Limited, the provider Bank of Scot- current Bank of Scotland Share Dealing brochure land Share Dealing Service (and ISA manager, and any other information or documents we if applicable); and give to you such as your application and any ► “you” and “your” to mean the person(s) who charging schedule govern the legal agreement have made an application and are registered between you and us and set out your and our to use the service. -
List of British Entities That Are No Longer Authorised to Provide Services in Spain As from 1 January 2021
LIST OF BRITISH ENTITIES THAT ARE NO LONGER AUTHORISED TO PROVIDE SERVICES IN SPAIN AS FROM 1 JANUARY 2021 Below is the list of entities and collective investment schemes that are no longer authorised to provide services in Spain as from 1 January 20211 grouped into five categories: Collective Investment Schemes domiciled in the United Kingdom and marketed in Spain Collective Investment Schemes domiciled in the European Union, managed by UK management companies, and marketed in Spain Entities operating from the United Kingdom under the freedom to provide services regime UK entities operating through a branch in Spain UK entities operating through an agent in Spain ---------------------- The list of entities shown below is for information purposes only and includes a non- exhaustive list of entities that are no longer authorised to provide services in accordance with this document. To ascertain whether or not an entity is authorised, consult the "Registration files” section of the CNMV website. 1 Article 13(3) of Spanish Royal Decree-Law 38/2020: "The authorisation or registration initially granted by the competent UK authority to the entities referred to in subparagraph 1 will remain valid on a provisional basis, until 30 June 2021, in order to carry on the necessary activities for an orderly termination or transfer of the contracts, concluded prior to 1 January 2021, to entities duly authorised to provide financial services in Spain, under the contractual terms and conditions envisaged”. List of entities and collective investment -
L. Luminita Stevens
September 2021 L. Luminita Stevens University of Maryland Tel: (301) 405-3515 Department of Economics Fax: (301) 405-3542 4121C Tydings Hall [email protected] College Park, MD 20742 econweb.umd.edu/~stevens/ Appointments University of Maryland, Department of Economics Associate Professor with Tenure, August 2020 – present Assistant Professor, August 2012 – August 2020 Federal Reserve Bank of Minneapolis, Research Economist, June 2015 – June 2016 Education Columbia University, Ph.D. in Economics, 2012 Thesis: “Essays on Price Adjustment and Imperfect Information” Committee: Michael Woodford (sponsor), Ricardo Reis, Stefania Albanesi, Jaromir Nosal, Stephen Zeldes Dartmouth College, B.A. Economics, Minor in Computer Science, 2003 Phi Beta Kappa, Magna Cum Laude Publications “Individual Differences in the Perception of Probability,” with Mel W. Khaw and Michael Woodford, PLoS Computational Biology (2021) “Price Dispersion and the Border Effect,” with Ryan Chahrour, Journal of Monetary Economics (2020) Comment on “The Optimal Inflation Target and the Natural Rate of Interest” by Andrade et al., Brookings Papers on Economic Activity (2019) “Coarse Pricing Policies,” Review of Economic Studies (2019) 1 “Investor Sophistication and Capital Income Inequality,” with Marcin Kacperczyk and Jaromir Nosal, Journal of Monetary Economics (2018) “Discrete Adjustment to a Changing Environment: Experimental Evidence,” with Mel W. Khaw and Michael Woodford, Journal of Monetary Economics (2017) “Forecasting the Outcome of a Time-varying Bernoulli Process: -
Liste Des Entreprises D'investissement Relevant
LISTE DES ENTREPRISES D'INVESTISSEMENT RELEVANT DU DROIT D'UN AUTRE ETAT MEMBRE DE L'ESPACE ECONOMIQUE EUROPÉEN QUI ONT NOTIFIÉ LEUR INTENTION DE FOURNIR DES SERVICES D'INVESTISSEMENT EN BELGIQUE SOUS LE RÉGIME DE LA LIBRE PRESTATION DE SERVICES Article 11 de la loi du 25 octobre 2016 relative à l'accès à l'activité de prestation de services d'investissement et au statut et au contrôle des sociétés de gestion de portefeuille et de conseil en investissement (*) Services et activités d'investissement, visés à l'article 2, 1°, de la loi du 25 octobre 2016 : • 1. La réception et la transmission d'ordres portant sur un ou plusieurs instruments financiers, en ce compris la mise en rapport de deux ou plusieurs investisseurs permettant ainsi la réalisation, entre ces investisseurs, d'une opération ; • 2. L'exécution d'ordres au nom de clients; • 3. La négociation pour compte propre; • 4. La gestion de portefeuille; • 5. Le conseil en investissement; • 6. La prise ferme d'instruments financiers et/ou le placement d'instruments financiers avec engagement ferme; • 7. Le placement d'instruments financiers sans engagement ferme; • 8. L'exploitation d'un système multilatéral de négociation (MTF); (**) Services auxiliaires, visés à l'article 2, 2°, de la loi du 25 octobre 2016 : • 1. La conservation et l'administration d'instruments financiers pour le compte de clients, y compris la garde et les services connexes, comme la gestion de trésorerie/de garanties; • 2. L'octroi d'un crédit ou d'un prêt à un investisseur pour lui permettre d'effectuer une transaction sur un ou plusieurs instruments financiers, dans laquelle intervient l'entreprise qui octroie le crédit ou le prêt; • 3. -