Bank of England List of Banks – April 2020
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Kleinwort Hambros Strengthens UK Regional Presence with Senior Appointments
Kleinwort Hambros strengthens UK regional presence with senior appointments • Leigh Philpot announced as new Head of UK Regions • Chris Thomson new Deputy Head of UK Regions • Richard Brown and Mark Sinclair named Head of Yorkshire and Head of Cambridge Press release London, 14 February 2019 Kleinwort Hambros, one of the leading private bank and wealth manager’s in the UK, has today announced a series of senior appointments to bolster its regional presence across the UK. Leigh Philpot has been appointed the new Head of UK Regions, with immediate effect. In this newly created role, Leigh will be based in London and will report to Andrew Hillery, Head of UK Private Banking. He will be responsible for overseeing and implementing the UK regional strategy outside of London and strengthening its nationwide presence. Kleinwort Hambros currently has four regional offices in Newbury, Cambridge, Leeds and Edinburgh. Leigh previously headed up the Private Banking and Discretionary Fund Management team at Kleinwort Hambros. Most recently, Leigh created the bank’s IFA proposition, working alongside external advisers across the country to offer investment and private banking solutions to their clients. Prior to this, Leigh worked for Ely Fund Managers (now part of Rathbones) and Killik & Co, the advisory stockbrokers. To support Leigh, Chris Thomson has been named Deputy Head of UK Regions. This is in addition to his role as Head of the Edinburgh office, which he founded in 2008. Prior to Kleinwort Hambros, Chris spent twelve years in investment banking, split between London and New York. Richard Brown and Mark Sinclair have also recently been appointed Head of Yorkshire and Head of Cambridge, respectively. -
International Comparison of Bank Fraud
Journal of Cybersecurity, 3(2), 2017, 109–125 doi: 10.1093/cybsec/tyx011 Research paper Research paper International comparison of bank fraud reimbursement: customer perceptions and contractual terms Ingolf Becker,1,* Alice Hutchings,2 Ruba Abu-Salma,1 Ross Anderson,2 Nicholas Bohm,3 Steven J. Murdoch,1 M. Angela Sasse,1 and Gianluca Stringhini1 1Computer Science Department, University College London, Gower Street, London WC1E 6BT; 2 University of Cambridge Computer Laboratory, 15 JJ Thomson Avenue, CB3 0FD; 3Foundation for Information Policy Research *Corresponding author: E-mail: [email protected] Received 7 May 2017; accepted 17 November 2017 Abstract The study presented in this article investigated to what extent bank customers understand the terms and conditions (T&Cs) they have signed up to. If many customers are not able to understand T&Cs and the behaviours they are expected to comply with, they risk not being compensated when their accounts are breached. An expert analysis of 30 bank contracts across 25 countries found that most contract terms were too vague for customers to infer required behaviour. In some cases the rules vary for different products, meaning the advice can be contradictory at worst. While many banks allow customers to write Personal identification numbers (PINs) down (as long as they are disguised and not kept with the card), 20% of banks categorically forbid writing PINs down, and a handful stipulate that the customer have a unique PIN for each account. We tested our findings in a survey with 151 participants in Germany, the USA and UK. They mostly agree: only 35% fully understand the T&Cs, and 28% find important sections are unclear. -
Natwest Markets N.V. Annual Report and Accounts 2020 Financial Review
NatWest Markets N.V. Annual Report and Accounts 2020 Financial Review Page Description of business Financial review NWM N.V., a licensed bank, operates as an investment banking firm serving corporates and financial institutions in the European Economic Presentation of information 2 Area (‘EEA’). NWM N.V. offers financing and risk solutions which 2 Description of business includes debt capital markets and risk management, as well as trading 2 Performance overview and flow sales that provides liquidity and risk management in rates, Impact of COVID-19 3 currencies, credit, and securitised products. NWM N.V. is based in Chairman's statement 4 Amsterdam with branches authorised in London, Dublin, Frankfurt, Summary consolidated income statement 5 Madrid, Milan, Paris and Stockholm. Consolidated balance sheet 6 On 1 January 2017, due to the balance sheet reduction, RBSH 7 Top and emerging risks Group’s regulation in the Netherlands, and supervision responsibilities, Climate-related disclosures 8 transferred from the European Central Bank (ECB), under the Single Risk and capital management 11 Supervisory Mechanism. The joint Supervisory Team comprising ECB Corporate governance 43 and De Nederlandsche Bank (DNB) conducted the day-to-day Financial statements prudential supervision oversight, back to DNB. The Netherlands Authority for the Financial Markets, Autoriteit Financiële Markten Consolidated income statement 52 (AFM), is responsible for the conduct supervision. Consolidated statement of comprehensive income 52 Consolidated balance sheet 53 UK ring-fencing legislation Consolidated statement of changes in equity 54 The UK ring-fencing legislation required the separation of essential Consolidated cash flow statement 55 banking services from investment banking services from 1 January Accounting policies 56 2019. -
Cranfield 100 Women to Watch 2018
The Female FTSE Board Report 2018 - 100 Women to Watch 1 THE FEMALE FTSE BOARD REPORT 2018 100 WOMEN TO WATCH 2018 Dr Patricia Pryce, Director, Beauwest Consultancy Ltd; Visiting Fellow, Cranfield School of Management Jacey Graham, Director, Brook Graham (in association with Pinsent Masons); Visiting Fellow, Cranfield School of Management 2018 is a significant year for women in the UK. It marks 100 years since women (over the age of 30) gained the right to vote, the unveiling of the first statue of a female in Parliament Square (Millicent Fawcett) and the first time a royal princess (Princess Charlotte) gets to keep her position in line to the throne, despite the arrival of a baby brother (Prince Louis). And for the first time women’s representation on FTSE 100/250 boards hits a new high of 29%/23.7%. These figures provide evidence that talented women are increasingly ready to take up Executive and Board positions; however, such women are often not visible to decision-makers who influence shortlists for Non-Executive Director (NED) positions in FTSE 350 companies. In this, our ninth 100 Women to Watch supplement, we continue to showcase the broad and deep female talent pool for ‘UK plc’ to draw on. As always, we acknowledge that it is neither an exhaustive nor definitive list of the only talented women available for board positions; neither is it attempting to represent the best 100 women. Our profiles reflect a broad range of backgrounds and include women who hold senior executive roles in FTSE 350 firms and other significant organisations such as large non-listed companies, major charities, professional services firms, educational institutions and the Civil Service, and from many different disciplines and functions. -
O-SII Notification
Notification template for Article 131 CRD – Other Systemically Important Institutions (O-SII) Please send this template to • [email protected] when notifying the ESRB; • [email protected] when notifying the ECB; • [email protected] when notifying the EBA. Emailing this template to the above-mentioned addresses constitutes an official notification, no further official letter is required. In order to facilitate the work of the notified authorities, please send the notification template in a format that allows electronically copying the information. 1. Notifying national authority 1.1 Name of the notifying National Committee for Macroprudential Oversight authority 2. Description of the measure Based on data available as of 31 March 2017, 9 credit institutions Romanian legal entities obtained a score higher than the threshold set for automatic designation of systemically important institutions (275 basis points). The re-evaluation based on June 2017 available data generated the same results. The name and LEI code of the systemically important institutions identified in Romania are provided below. Banca Comercială Română S.A. – LEI code 549300ORLU6LN5YD8X90 BRD - Groupe Societe Generale S.A. – LEI code 5493008QRHH0XCLJ4238 2.1 Concerned institution UniCredit Bank S.A. – LEI code 5493003BDYD5VPGUQS04 or group of institutions Raiffeisen Bank S.A. – LEI code 549300RFKNCOX56F8591 Banca Transilvania S.A. – LEI code 549300RG3H390KEL8896 Alpha Bank România S.A. – LEI code 529900TKT32Z5LP7XF90 CEC Bank S.A. – LEI code 2138008AVF4W7FMW8W87 Bancpost S.A. – LEI code 549300GM6AMB2XDWNC96 Garanti Bank S.A. – LEI code 549300UZRCTIM0HREY46 An O-SII buffer applicable in 2018 is set for the systemically important institutions which are Romanian legal entities. -
28415 NDR Credits
28415 NDR Credits Billing Primary Liable party name Full Property Address Primary Liable Party Contact Add Outstanding Debt Period British Airways Plc - (5), Edinburgh Airport, Edinburgh, EH12 9DN Cbre Ltd, Henrietta House, Henrietta Place, London, W1G 0NB 2019 -5,292.00 Building 320, (54), Edinburgh Airport, Edinburgh, Building 319, World Cargo Centre, Manchester Airport, Manchester, Alpha Lsg Ltd 2017 -18,696.00 EH12 9DN M90 5EX Building 320, (54), Edinburgh Airport, Edinburgh, Building 319, World Cargo Centre, Manchester Airport, Manchester, Alpha Lsg Ltd 2018 -19,228.00 EH12 9DN M90 5EX Building 320, (54), Edinburgh Airport, Edinburgh, Building 319, World Cargo Centre, Manchester Airport, Manchester, Alpha Lsg Ltd 2019 -19,608.00 EH12 9DN M90 5EX The Maitland Social Club Per The 70a, Main Street, Kirkliston, EH29 9AB 70 Main Street, Kirkliston, West Lothian, EH29 9AB 2003 -9.00 Secretary/Treasurer 30, Old Liston Road, Newbridge, Midlothian, EH28 The Royal Bank Of Scotland Plc C/O Gva , Po Box 6079, Wolverhampton, WV1 9RA 2019 -519.00 8SS 194a, Lanark Road West, Currie, Midlothian, Martin Bone Associates Ltd (194a) Lanark Road West, Currie, Midlothian, EH14 5NX 2003 -25.20 EH14 5NX C/O Cbre - Corporate Outsourcing, 55 Temple Row, Birmingham, Lloyds Banking Group 564, Queensferry Road, Edinburgh, EH4 6AT 2019 -2,721.60 B2 5LS Unit 3, 38c, West Shore Road, Edinburgh, EH5 House Of Fraser (Stores) Ltd Granite House, 31 Stockwell Street, Glasgow, G1 4RZ 2008 -354.00 1QD Tsb Bank Plc 210, Boswall Parkway, Edinburgh, EH5 2LX C/O Cbre, 55 Temple -
Palestinian Forces
Center for Strategic and International Studies Arleigh A. Burke Chair in Strategy 1800 K Street, N.W. • Suite 400 • Washington, DC 20006 Phone: 1 (202) 775 -3270 • Fax : 1 (202) 457 -8746 Email: [email protected] Palestinian Forces Palestinian Authority and Militant Forces Anthony H. Cordesman Center for Strategic and International Studies [email protected] Rough Working Draft: Revised February 9, 2006 Copyright, Anthony H. Cordesman, all rights reserved. May not be reproduced, referenced, quote d, or excerpted without the written permission of the author. Cordesman: Palestinian Forces 2/9/06 Page 2 ROUGH WORKING DRAFT: REVISED FEBRUARY 9, 2006 ................................ ................................ ............ 1 THE MILITARY FORCES OF PALESTINE ................................ ................................ ................................ .......... 2 THE OSLO ACCORDS AND THE NEW ISRAELI -PALESTINIAN WAR ................................ ................................ .............. 3 THE DEATH OF ARAFAT AND THE VICTORY OF HAMAS : REDEFINING PALESTINIAN POLITICS AND THE ARAB - ISRAELI MILITARY BALANCE ................................ ................................ ................................ ................................ .... 4 THE CHANGING STRUCTURE OF PALESTINIAN AUTHORITY FORC ES ................................ ................................ .......... 5 Palestinian Authority Forces During the Peace Process ................................ ................................ ..................... 6 The -
Discussion Paper Series
DISCUSSION PAPER SERIES No. 2791 GREEK BANKING AT THE DAWN OF THE NEW MILLENNIUM Barry Eichengreen and Heather D Gibson INTERNATIONAL MACROECONOMICS ZZZFHSURUJ Available online at: www.cepr.org/pubs/dps/DP2791.asp www.ssrn.com/xxx/xxx/xxx ISSN 0265-8003 GREEK BANKING AT THE DAWN OF THE NEW MILLENNIUM Barry Eichengreen, University of California Berkeley and CEPR Heather D Gibson, Bank of Greece Discussion Paper No. 2791 May 2001 Centre for Economic Policy Research 90–98 Goswell Rd, London EC1V 7RR, UK Tel: (44 20) 7878 2900, Fax: (44 20) 7878 2999 Email: [email protected], Website: www.cepr.org This Discussion Paper is issued under the auspices of the Centre’s research programme in International Macroeconomics. Any opinions expressed here are those of the author(s) and not those of the Centre for Economic Policy Research. Research disseminated by CEPR may include views on policy, but the Centre itself takes no institutional policy positions. The Centre for Economic Policy Research was established in 1983 as a private educational charity, to promote independent analysis and public discussion of open economies and the relations among them. It is pluralist and non-partisan, bringing economic research to bear on the analysis of medium- and long-run policy questions. Institutional (core) finance for the Centre has been provided through major grants from the Economic and Social Research Council, under which an ESRC Resource Centre operates within CEPR; the Esmée Fairbairn Charitable Trust; and the Bank of England. These organizations do not give prior review to the Centre’s publications, nor do they necessarily endorse the views expressed therein. -
Annual Report and Accounts 2018 Strategic Report
Annual Report and Accounts 2018 Strategic report Page Principal activities and operating segments Strategic report The Group serves customers across the UK and Western Europe with Presentation of information 1 a range of retail and commercial banking products. A wide range of RBS Group ring-fencing 1 personal products are offered including current accounts, credit cards, Principal activities and operating segments 1 personal loans and mortgages. Personal & Business Banking (PBB) Performance overview 1 serves individuals and mass affluent customers together with small Board of directors and secretary 2 businesses through the Group’s network of branches and direct channels, including the internet, mobile and telephony. Commercial & Top and emerging risks 3 Private Banking (CPB) provides services to private, corporate and Financial review 4 commercial customers. NatWest is the main provider of shared service Capital and risk management 9 activities for the RBS Group. This includes the provision of Treasury Report of the directors 58 services on behalf of the RFB and RBS Group. Statement of directors’ responsibilities 61 Financial Statements 62 The reportable operating segments are as follows: Risk factors 132 Personal & Business Banking comprises one reportable segment: UK Forward-looking statements 142 Personal & Business Banking (UK PBB). UK PBB serves individuals and mass affluent customers in the UK together with small businesses Presentation of information (generally up to £2 million turnover). UK PBB includes Ulster Bank National Westminster Bank Plc (‘NatWest’ or the ‘Bank’) is a wholly- customers in Northern Ireland. owned subsidiary of NatWest Holdings Limited (‘NatWest Holdings’, ‘NWH’ or ‘the intermediate holding company. The ultimate holding Commercial & Private Banking comprises two reportable segments: company is The Royal Bank of Scotland Group plc (the ‘ultimate Commercial Banking and Private Banking. -
The Competition Council Has Authorized the Merger Between ALPHA BANK AE and EFG EFG EUROBANK ERGASIAS SA
The Competition Council has authorized the merger between ALPHA BANK AE and EFG EFG EUROBANK ERGASIAS SA The Competition Council has authorized the economic concentration consisting in merger by absorbtion of EFG Eurobank Ergasias SA by Alpha Bank AE. The analysis of the competition authority found that the notified economic concentration does not raise significant obstacles to effective competition on the Romanian market, respectively does not lead to the creation or strengthening of a dominant position of the merged company to have as effect restriction, prevention or significant distortion of competition on the Romanian market or on a part of it. Since both Alpha Bank AE and EFG Eurobank Ergasias SA hold in Greece more than 2/3 of turnover at European level, there is no obligation this merger to be notified to the European Commission. Community legislation provides that where each of the companies involved achieves more than 2/3 of total turnover in one of member states, the operation is analyzed by the competition authority of respective state as well as by each of the states where the involved parties activate. The merged company shall be called Alpha Eurobank SA. Alpha Bank AE is a company that is part of Alpha group, one of the most important banking and financial services groups in Greece. Alpha Group offers a wide range of services including retail banking, corporate banking, asset management, private sector banking, distribution of insurance products, investment banking, leasing, factoring, management of brokerage services and of estate assets, and brokerage services. In Romania, Alpha group holds control over Alpha Bank Romania S.A., Alpha Leasing Romania IFN S.A., SSIF Alpha Finance Romania S.A., Alpha Insurance Brokers S.R.L., Alpha Astika Akinita Romania S.R.L. -
Annual Report 2015
ANNUAL REPORT 2015 www.eurobank.gr/annualreport2015_en The people of Eurobank stand by our signature. We commit to give… priority to you. CONTENTS Historical Milestones 6 Group Financial Figures 8 Letter to Shareholders 10 Share Capital Increase – Capital Adequacy 22 Financial Review 24 Strategic Transformation Programme 26 Corporate Governance 28 Risk Management 40 Piority to Our Customers 54 Retail Banking 54 Group Corporate & Investment Banking 64 Troubled Assets Management 72 Wealth Management 74 International Capital Markets & Treasury 78 Equities Brokerage 80 Insurance Operations 81 Other Activities 82 International Presence 84 Romania 85 Bulgaria 85 Serbia 87 Cyprus 88 Luxembourg 88 Ukraine 89 Corporate Responsibility 92 Priority to our People 94 Priority to Society 102 Priority to Innovation and Youth Entrepreneurship 110 Priority to Communicating with Customers 116 Relations with Suppliers 119 Priority to the Environment and Sustainable Development 120 Management Systems and Certifications 126 Memberships in Associations & Organisations 128 Awards 2015 130 Appendix 132 Financial Data for the Year ANNUAL REPORT 2015 | HISTORICAL MILESTONES HISTORICAL MILESTONES 2007 2013 1997 2015 Launch of greenfield 2000 2003 2004 operation in Cyprus. Eurobank is recapitalised 1990 Eurobank-Interbank Acquisition of 70% by the HFSF Acquisition of the operations of merger. of Tekfenbank Turkey, Alpha Bank’s Bulgarian Branch by EFG Eurobank – Acquisition of a 90.8% Acquisition which is renamed to The Group grows Eurobank’s subsidiary in Bulgaria, Acquisition of the Ergobank merger; stake in Postbanka of Intertrust Eurobank Tekfen. further, through the Eurobank Bulgaria AD (“Postbank”). Establishment branch network of the new bank is AD Serbia, which M.F.M.C. -
Redstone Private Banking Update Q3 2018
The Redstone Private Banking Update Welcome to the Redstone Private Banking Update 2018: Q3 We are now safely past the half-way mark for 2018 and as the end of the year approaches, we can see that many Banks are set to continue their hiring all the way through to the end of the year. This may be in part down to the record profits recorded across Europe’s largest private Banks for the 2017 year or if we look east, competition for market dominance remains high as firms continue to battle over the top Relationship Managers and their UHNW client books. As mentioned in our previous update, the ever growing importance of technological services in Private Banking & Wealth Management remains a focus and with the announcement of London’s first digital private bank making the headlines at the start of this year, both big and small players alike continue to add digital specialists to their ranks. Noteworthy Talent Moves in EMEA In previous years a number of institutions across Europe had all but implemented hiring freezes around this time, but Q3 2018 hires have proven to be a complete reversal. Accompanied with activity on an organisational level; Bank Vontobel completed their acquisition of Notenstein La Roche, Berenberg announced the sale of a majority stake in the business and two stalwarts from the Swiss market; Gonet & Cie and Mourgue d' Algue announcing plans to merge, the marketplace is active and busy but also definitely consolidating. With the number of Private Banks in Switzerland decreasing from over 300 to just over 260 in a decade, how long will it be before we see a household name disappear? In the Middle East, hiring activity has returned to its pre-summer volumes with the likes of DBS, LLB and J Safra Sarasin all making front office additions and with the potential of another a large scale merger on the horizon in Abu Dhabi, expect to see continued levels of activity in the UAE as move we towards 2019.