Heritage Bank of Nevada
Total Page：16
File Type：pdf, Size：1020Kb
Load more
Recommended publications
-
Infrastructure 55 Energy 77 Technology 92 Commodities 107 Renewables 118
Macquarie Group Contents Macquarie at a glance 3 Our culture Our business approach 14 Our community engagement 25 Our global presence Australia and New Zealand 34 Asia 37 Europe, the Middle East and Africa 47 Americas 51 Our expertise in focus Infrastructure 55 Energy 77 Technology 92 Commodities 107 Renewables 118 © Macquarie Group Limited Macquarie at a glance Global financial group Diverse business mix • Headquartered and listed in Australia Located in 31 markets, we conduct • Top 10 Australian company1 a mix of annuity-style and markets-facing • ~£14 billion market capitalisation activities that deliver solid returns in a range of market conditions • 15,849 employees in 31 markets • £299.7 billion assets under management Long-term orientation Outcome-focused culture • 51 years of unbroken profitability • Opportunity for our clients, • 29 years MBL S&P ‘A’ credit rating2 communities and staff • Strong funding and capital position • Accountability for outcomes • Integrity in everything we do All figures at 31 March 2020 throughout presentation, unless otherwise stated. 1. Based on market capitalisation. Sourced from Bloomberg 31 March 2020. 2. Upgraded to A+ in 11 December 2019. © Macquarie Group Limited 3 Global financial group Australia and Asia New Zealand % % of 33total income1 of total13 income1 London People People 6,6702 4,0142 Hong Kong Assets under management Assets under management New York £57.5 billion £33 billion employing 7,000+ people3 employing 50,000+ people3 Europe, the Middle Americas East and Africa Sydney % % of 29total income1 of 25total income1 people4 in People People 15,849 Locations 2 2,4092 2,756 Regional headquarters 2 Assets under management Assets under management 31 markets £65.2 billion £144 billion employing 57,000+ people3 employing 27,000+ people3 1. -
September 2019
September 2019 Case studies, statistics, research and recommendations are provided "ASIS" and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. The actual costs, savings and benefits of any recommendations or programs may vary based upon your specific business needs and program requirements. By their nature, recommendations are not guarantees of future performance or results and are subject to risks, uncertainties and assumptions that are difficult to predict or quantify. Stage3 is not responsible for your use of the information contained herein (including errors, omissions, inaccuracy or non-timeliness of any kind) or any assumptions or conclusions you might draw from its use. Stage3 makes no warranty, express or implied, and explicitly disclaims the warranties of merchantability and fitness for a particular purpose, any warranty of non-infringement of any third party's intellectual property rights. To the extent permitted by applicable law, Stage3 shall not be liable to a client or any third party for any damages under any theory of law, including, without limitation, any special, consequential, incidental or punitive damages, nor any damages for loss of business profits, business interruption, loss of business information, or other monetary loss, even if advised of the possibility of such damages. 30% $970,000 $9 $967,576 $8 $965,000 Millions 25% Millions $7 $960,000 20% $6 $955,000 $5 15% $950,000 Deposits Total $4 10% $3 $945,000 $2 -
Methodology Report
Mozo Experts Choice Awards Deposits 2019 Every day, Mozo keeps track of thousands of products in banking, insurance and energy. Unlike some other awards, providers don’t ‘enter’ the Mozo Experts Choice Awards nor do they pay to be considered. Our in-house team of experts analyse all the product data they’ve been tracking and scour the market to see if there are any other worthy candidates. Then we use our data and our experience to make a hard-nosed assessment of those products, to identify which offer great value or market-leading features. We recognise the leading products with the Mozo Experts Choice Awards. ● For product providers, a Mozo Experts Choice Award is a thoroughly researched third-party endorsement of their product. ● For consumers, the Mozo Experts Choice Awards badge is a sign that a product is among the leaders in the market, and is worthy of consideration. This report lists the winners and explains the judging methodology for our 2019 Deposit awards. 1 Deposits - 2019 Winners Transaction Accounts Everyday Bank of the Year Exceptional Everyday Account Bank of Sydney Everyday Saver Account Bankwest Hero Transaction Account Bankwest Qantas Transaction Account BOQ Specialist Everyday Plus Account Citi Global Currency Account Citi Plus Transaction Account ING Orange Everyday Macquarie Platinum Transaction Account Macquarie Transaction Account UBank USaver Ultra Transaction Account Up Bank Everyday Account Best New Transaction Account Citi Global Currency Account 2 Student Bank Account Community First Credit Union Student -
AFG Mortgages Lodged
Market Release 19 January 2021 Market Announcements Office ASX Limited Exchange Centre 20 Bridge Street SYDNEY NSW 2000 Dear Sir/Madam AFG MORTGAGE INDEX – Q2 2021 Please see attached statement regarding AFG’s Mortgage Index for the second quarter of financial year 2021. Authorised for disclosure by: Lisa Bevan Company Secretary CONTACT DETAILS Alison Clarke, AFG Head of Corporate Communications Mob 0402 781 367 David Bailey, CEO Tel (08) 9420 7888 January 2021 AFG Index Market Release Table of contents 3 Media Release 4 AFG Mortgages lodged 5 Four Major Banks & their Associated Brands vs Non Major lender market share 6 Total lodgement volume 7 Average mortgage size in dollars 8 Loan Value Ratios (LVR) 9 Four Major Banks & their Associated Brands market share all mortgages 10 Non Major Lender market share all mortgages 11 Four Major Banks & their Associated Brands market share Fixed Rate mortgages 12 Non Major Lender market share fixed rate mortgages 13 Lender Product Type 14 Top Lenders by State 15 Four Major Banks & their Associated Brands vs Non Major by state 16 Lender Turnaround Times Contact Details Alison Clarke, AFG Head of Corporate Communications Mob 0402 781 367 www.afgonline.com.au AFG Index 2 Record quarter as homebuyers on the move Australian Finance Group (ASX:AFG) has today announced a record-breaking quarter with more than $19.9 billion of home finance lodged by AFG brokers across the second quarter of the 2021 financial year. AFG CEO David Bailey explained the results: “The national figure represents an increase of 9.5% on the first quarter of the 2021 financial year and an increase of 30% on the corresponding quarter last year. -
Absa Bank (South Africa)
The Companies Listed under the Consortium for Next Gen ATMs ABA (American Bankers Association) Absa Bank (South Africa) Access Cash General Partnership (EZEE ATM) ACG ACI Worldwide ATEFI AIB (Allied Irish Banks) Akbank (Turkey) Altron Bytes Managed Solutions Aman (Palestine) ANZ Argotechno ATB Financial ATEFI ATM24 ATM CLUB Atima ATMIA ATM Security Association Auriga Australian Technology Management Pty Ltd Axis Communications AB 1 Bank of America Bank of Hawaii Bank of Montreal Bank of South Pacific Bank Permata BANTAS A.S Banktech (Australia) Barclays Bank BBVA Belfius Bank & Verzekeringen Bitstop Blanda Marketing & Public Relations BMO Financial Group BOSACH Technologies & Consulting Pvt. Ltd. BVK Capital One Cashflows Cashway Technology Co., Ltd. Capital One Bank Capitec Bank Cardtronics Cash and Card World Ltd Cash Connect® – ATM Solutions by WSFS Bank Cash Infrastructure Projects and Services GmbH Cashware Cecabank CIBC (Canadian Imperial Bank of Commerce) Citibank Citizens Bank CMS Analytics Coast Capital Savings Credit Union 2 Columbus Data Comerica Bank Commonwealth Bank of Australia Convergint Technologies CO-OP Financial Services CR2 Culiance Cummins Allison Cyttek Group Desjardins Dgiworks Technology (Turkey) Diebold-Nixdorf dormakaba USA Inc DPL Eastern Carolina ATM Eastman Credit Union EFTA Elan Financial Services Electronic Payment & Services (Pty) Ltd Embry Consulting, LLC Emirates NBD Euronet Worldwide EuroTechzam S.A. EVERTEC, Inc – US EVERI EVO Payments Faradis Alborz Corp First American Payment Systems First Data First National Bank of South Africa FISERV 3 FIS Global (Fidelity National Information Services) Fujitsu Ten España G4S GCB Bank (Ghana) General Dynamics Mission Systems Genmega GMR GMV Gorham Savings Bank GPT Great Southern Bank GRG Banking Gunnebo Gunnebo India Private Ltd Heritage Bank Hitachi Europe Hitachi-Omron Terminal Solutions, Corp. -
Customer Report from 2015-16
Customer Report 2015/2016 1 Heritage Bank Limited • Customer Report 2015/16 Heritage Bank Limited ABN 32 087 652 024. AFSL and Australian Credit Licence 240984. Customer Report 2015/2016 Contents Chairman’s Report ....................................................3 Auditors CEO’s Report ...............................................................5 Ernst & Young Heritage Board & CEO .............................................7 Registered Office Heritage Bank Limited About Heritage ..........................................................8 6th Floor 400 Ruthven Street Toowoomba Qld 4350 Australia The Customer Owned Advantage .......................9 Postal Address Putting Customers First .......................................11 P.O. Box 190 Toowoomba Qld 4350 Australia Putting Communities First .................................13 Contact Details Putting Staff First ..................................................15 Telephone (07) 4690 9000 International 61 7 4690 9000 Evolving Our Business ..........................................18 Internet www.heritage.com.au Contact Centre 13 14 22 Financial Highlights ..............................................21 Heritage Access Line 13 14 72 Heritage Bank Limited • Customer Report 2015/16 2 Chairman’s Report As a mutual financial institution, Most Satisfied Customers award in the Heritage Bank is committed to meeting Challenger Bank category across Australia. the needs of our members. That means We took out the 2016 Mozo People’s not only providing them with great value Choice Award for -
Federal Home Loan Bank of Dallas Community Support Program
Federal Home Loan Bank of Dallas Community Support Program The following members are required to submit a Community Support Statement to the Federal Housing Finance Agency by October 29, 2021. Member City State Southern Bancorp Bank Arkadelphia AR First National Banking Company Ash Flat AR RiverWind Bank Augusta AR First Community Bank Batesville AR The Citizens Bank Batesville AR The First National Bank of North Arkansas Berryville AR Farmers Bank & Trust Company Blytheville AR First Western Bank Booneville AR FNB of Izard County Calico Rock AR Bank of Cave City Cave City AR Centennial Bank Conway AR Chambers Bank Danville AR Arkansas County Bank De Witt AR Bank of Delight Delight AR First State Bank of De Queen Dequeen AR Merchants and Farmers Bank Dumas AR First Financial Bank El Dorado AR Bank of England England AR Bank of Eureka Springs Eureka Springs AR Arvest Bank Fayetteville AR Priority Bank Fayetteville AR Signature Bank of Arkansas Fayetteville AR FBT Bank & Mortgage Fordyce AR Armor Bank Forrest City AR The FNB of Fort Smith Fort Smith AR Bank of Gravette Gravett AR Anstaff Bank Green Forest AR First Service Bank Greenbrier AR Partners Bank Helena AR Horatio State Bank Horatio AR Today's Bank Huntsville AR First Arkansas Bank & Trust Jacksonville AR Arkansas Federal Credit Union Jacksonville AR Bank of Lake Village Lake Village AR Bank of Little Rock Little Rock AR Bank OZK Little Rock AR Eagle Bank & Trust Company Little Rock AR Encore Bank Little Rock AR ManhattanLife Assurance Company of America Little Rock AR USAble Mutual Insurance Company Little Rock AR Central Bank Little Rock AR First State Bank Lonoke AR Farmers Bank & Trust Co. -
National Banks Active As of 7/31/2021
National Banks Active As of 8/31/2021 CHARTER NO NAME ADDRESS (LOC) CITY STATE CERT RSSD 12072 First National Bank Alaska 101 West 36th Avenue Anchorage AK 16130 114260 10697 First National Bank and Trust 111 South Main Street Atmore AL 2779 670430 16708 Town-Country National Bank 118 Broad Street Camden AL 22621 180537 9681 The First National Bank of Dozier 7825 South Main Street Dozier AL 2794 496434 16579 First National Bank 341 Military Street South Hamilton AL 22271 330239 7592 The First National Bank of Hartford 101 South 3rd Avenue Hartford AL 2804 112332 16553 Commonwealth National Bank 2214 St. Stephens Road Mobile AL 22229 578237 10406 First National Bank of North Arkansas 305-307 Public Square Berryville AR 3854 864846 21165 The First National Bank of Izard County 2184 AR Highway 56 Calico Rock AR 11252 379649 13637 First National Bank of Eastern Arkansas 101 North Washington Street Forrest City AR 3863 251745 1950 The First National Bank of Fort Smith 602 Garrison Avenue Fort Smith AR 3864 397540 23202 The Malvern National Bank 1 Money Place Malvern AR 14644 906241 10004 First National Bank 200 West Court Street Paragould AR 3887 42448 14209 The First National Bank at Paris 11 East Main Street Paris AR 14534 45047 15482 Relyance Bank, National Association 912 South Poplar Street Pine Bluff AR 19371 49241 24573 Legacy National Bank 4055 West Sunset Springdale AR 57953 3306280 11312 The First National Bank of Lawrence County at Walnut Ridge 206 West Main Street Walnut Ridge AR 3896 799948 24224 BNC National Bank 20175 North -
Connections & Collaboration
APCA Annual Review 2016 The Australia Payments Environment Connections & Collaboration APCA Annual Review 2016 Australian Payments Clearing Association 1 APCA Annual Review 2016 Connections & Collaboration Click here to return to Contents Contents Chair and CEO Message 3 The Australian Payments Clearing Snapshot 4 Association has Highlights 6 been at the heart of the Australian The Australia Payments Environment 7 payments system for Driving Payments 10 close to 25 years. Evolution As a member organisation and industry association, we have grown to represent the needs of a diverse set of stakeholders, as the payments system itself has evolved. With a clear understanding of the requirements Positioned for 14 of a digital economy, we are the home for the Future collaboration and cross industry innovation. In our role as self-regulatory body for payments, we bring rigour to the application of existing regulation and an inquisitive, front-footed Engaging with approach to supporting the requirements the Community 18 of the emerging payments landscape. Decision Making 22 Glossary & Contact 29 APCA has 103 members including Australia’s leading financial institutions major retailers, payments system This Annual Review is designed to provide our members and stakeholders with a summary of what was achieved operators and other in financial year 2015-2016. References in this report to payments service providers. a year are to financial year ended 30 June 2016 unless otherwise stated. A full list of our members is available on page 28. Australian Payments Clearing Association 2 APCA Annual Review 2016 Connections & Collaboration Chair and CEO message The Australian payments landscape has never been more vibrant and it’s for this reason that we have chosen the theme of ‘connections and collaboration’ for our annual report this year. -
Easy Saver Account Product Schedule
Easy Saver Account Product Schedule This Product Schedule is a legal document that forms part of the Product Disclosure Statement. The Easy Saver Account is our flexible savings account that lets you earn interest on balances up to $50,000.99. With less BS (Bank Stuff), make withdrawals via your linked Bankwest Easy Transaction Account and no minimum monthly deposit. Introduction Bankwest Colleague: Welcome to our Easy Saver Account Product Schedule. I’m Bankwest’s fine print whisperer, I’m here to help you make sense of all the bank stuff. Bryce: Great. What’s in it for me? Bankwest Colleague: We want to let you know how your account works and be clear on the terms. We’ll try and keep it as interesting as possible. Bryce: Great. By the way, is this where I find the info about banking with Bankwest? Bankwest Colleague: Correct. There are a number of documents, including this Product Schedule, that make up the ‘Product Disclosure Statement’ for this account. These include the following documents which you will be provided with. • Investment and Transaction Accounts Terms & Conditions • Banking Services Rights & Obligations • Account Access Conditions of Use • Your Guide to Banking Fees. Keep these for future reference, just in case. We’ll also send you a Welcome Letter, which includes account and interest rate details (including balance tiers). Bankwest, a division of Commonwealth Bank of Australia Page 1 of 4 Version 1 ABN 48 123 123 124 AFSL / Australian credit licence 234945 26 July 2021 About the Easy Saver Account Bryce: What do I need to open an Easy Saver account? Bankwest Colleague: We’re happy to open this account for you, as long as: • You’re real person (i.e. -
Customer Report 2013/14
Customer Report 2013/14 Heritage Bank Limited ABN 32 087 652 024. AFSL and Australian Credit Licence 240984. Customer Report 2013/2014 Contents ................................................................02 Auditors Chairman’s Report ..............................................03 Ernst & Young CEO’s Report .........................................................04 Registered Office Heritage Bank Limited About Heritage ....................................................05 6th Floor 400 Ruthven Street Toowoomba Qld 4350 Australia The Customer Owned Advantage ..................06 Postal Address Putting Customers First ....................................08 P.O. Box 190 Toowoomba Qld 4350 Australia Putting Communities First ...............................11 Contact Details Putting Staff First ...............................................14 Telephone (07) 4690 9000 International 61 7 4690 9000 Transforming Through Innovation .................16 Internet www.heritage.com.au Contact Centre 13 14 22 Financial Highlights ...........................................17 Heritage Access Line 13 14 72 Heritage Bank Limited • Customer Report 2013/14 2 Independent research by analysts Canstar found that in 2013/14 our customers were more than $48.29 million better off by banking with Heritage Chairman’s Report rather than the big four banks. Kerry Betros, Chairman Heritage Bank is justly proud of our mutual Financial Systems Inquiry (FSI), part of which investments from the 2014/15 financial year. status and our core mission of delivering includes -
Customer Owned Banking Association (COBA) Is the Industry Advocate for Australia’S Customer Owned Banking Sector
Submission to Productivity Commission Inquiry into Competition in the Australian Financial System 15 September 2017 COBA Submission to Productivity Commission Inquiry into Competition in the Australian Financial System 2 About us The Customer Owned Banking Association (COBA) is the industry advocate for Australia’s customer owned banking sector. It is owned by its 72 member institutions: 51 credit unions, 3 building societies, 16 mutual banks and 2 others; and a number of affiliate members. COBA provides representation and advocacy for its members to: • federal and state governments • regulators, such as APRA and ASIC • the media • industry and consumer groups, and • the general public and other stakeholders. It also provides member institutions with expert advisory and support services, such as fraud & financial crimes and research. Contact: Luke Lawler, Director - Policy, Mark Nguyen, Policy Adviser, COBA Submission to Productivity Commission Inquiry into Competition in the Australian Financial System 3 Table of Contents Executive Summary .................................................................................................. 4 Recommendations .................................................................................................... 6 Sector Overview ....................................................................................................... 7 The customer-owned banking model ........................................................................... 7 Trends in the customer-owned banking sector .............................................................