Perks of Being a Bankwest Customer (PDF)
Total Page:16
File Type:pdf, Size:1020Kb
Load more
Recommended publications
-
Additional Cardholder(S) Request Form
Additional Cardholder(s) Request Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945 Important Information things you should know as the Primary Cardholder • You may nominate up to three Additional Cardholders, aged 16 or over, to be authorised by Bankwest to operate on your Card account. • If the nominated Additional Cardholder(s) are not existing Bankwest customer(s) we will need to confirm their identity. For details on identification requirements, please contact our Customer Help Centre on 13 17 19 or refer to bankwest.com.au • All transactions on your Card account authorised by the Additional Cardholder(s) will be treated as having been authorised by you. You will be responsible for these transactions. • If you have other accounts linked to your Card account, please discuss account access arrangements at your local Bankwest store or contact our Customer Help Centre on 13 17 19 prior to lodgement of this request. • The Request can either be returned to your local Bankwest store ________________________ (include store name if this is where you are returning it), or mailed to Cards Services, Reply Paid 8411, PERTH BC WA 6849. • Once your Request is approved, the card(s) will be issued to you to distribute to your nominated Additional Cardholder(s). Section 1 – Primary Cardholder Details Title Given name(s) Surname Card number ||||||||||||||| Section 2 – Additional Cardholder Details Additional Cardholder 1 Title Given name(s) Surname Date of birth Gender Male Female Home phone -
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. -
View Annual Report
2018 ANNUAL REPORTYear ended 31 August 2018 Annual Report 2018 1 CONTENTS Message from the Chairman and Managing Director & CEO 5 Directors’ Report Directors’ Details 8 Operating and Financial Review 12 Remuneration Report Introductory Message 60 Remuneration Report 62 Lead Auditor’s Independence Declaration 90 Financial Report Income Statements 93 Statements of Comprehensive Income 94 Balance Sheets 95 Statements of Changes In Equity 96 Statements of Cash Flows 100 Notes to the Financial Statements 101 Other Information Directors’ Declaration 162 Independent Auditor’s Report to the Members 163 Shareholding Details 170 Shareholder Information 173 5 Year Financial Summary 174 Glossary 175 Bank of Queensland Limited ABN 32 009 656 740 AFSL NO. 244616 CHAIRMAN AND MANAGING DIRECTOR & CEO’S 2018 MESSAGE ABOUT THIS REPORT This 2018 Annual Report (Report) incorporates the Group’s audited financial statements and other statutory disclosures. The Report is lodged with the Australian Securities Exchange (ASX). Bank of Queensland (BOQ) is publicly listed in Australia. The financial statements have been prepared in accordance with Australian Accounting Standards and interpretations issued by the Australian Accounting Standards Board (AASB) and the Corporations Act 2001. Unless otherwise stated, the Report encompasses all BOQ activities for the financial year commencing on 1 September 2017 and ending 31 August 2018. All monetary values in this document are presented in Australian dollars, which is the Bank’s functional currency. OUR 2018 REPORTING -
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. -
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). -
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 -
DEBIT INTERCHANGE REFORM SUBMISSION September 2002
NATIONAL AUSTRALIA BANK DEBIT INTERCHANGE REFORM SUBMISSION September 2002 Page 1 of 5 NATIONAL AUSTRALIA BANK - DEBIT INTERCHANGE REFORM SUBMISSION Sep 02 1. Introduction The National fully supports the need for reform of debit card interchange and has been an active participant in the Eftpos Industry Working Group (EIWG) formed at the behest of the Reserve Bank of Australia (RBA). We believe that the objective of this reform should be to achieve a simpler more efficient and transparent pricing regime. We agree with the view expressed by the RBA and Australian Competition and Consumer Commission (ACCC) in their paper A Study of Interchange Fees and Access (“the Joint Study”) that the debit card network in Australia no longer needs an interchange fee. Furthermore we have always been of the opinion that there should be simultaneous credit card and debit card reform. This submission set out the background to the reform process, the options for reform and our views on it in more detail together with their rationale. It is made on the basis that credit reform occurs as per the access regime and standards issued by the RBA. The National reserves its position in relation to making further submissions on various matters raised both in this submission itself, and in general in relation to the overall progress of the RBA’s program of regulation. 2. Reform Process Background On February 19th 2002 the Reserve Bank of Australia convened a meeting of financial and selected other institutions that were major participants in the debit card network. At that meeting the RBA questioned participants that “whether an interchange fee is needed at all, given that some successful Eftpos systems, such as those in Canada and the Netherlands, operate without an interchange fee”1. -
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. -
Bankwest Your Guide to Banking Fees
Your Guide to Banking Fees Effective 30 July 2021 Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945 Important Information Where you have been provided with a Product Disclosure Bankwest provides a wide range of financial services for your Statement (PDS) in respect of the particular Bankwest convenience. This document lists the most frequently requested Transaction or Savings Account you have with us and/or the services, outlines their uses and the cost to you. Unless otherwise particular facility (Phone Banking, Online Banking or Bankwest stated, the following services are available to Bankwest division Debit Cards, including Debit MasterCards) you are applying for, customers only. this fee brochure forms part of that PDS. Bank services and applicable fees Account Garnishment Fee Coin Bags For each garnishee processed on an account $13.00 To purchase canvas coin bag $2.15 Bank Audit Certificate Counting of Coin Certificate supplied by Bankwest $60.00 If counted for a holder of a Bankwest-branded account Free Bank Cheques Customer Trace Fee Purchased by a Bankwest Reward Plus, Retirement Payable on each occasion on which the Bank has to locate you Advantage or Teen Scheme customer $7.50 during the period the account is in default $10.00 Purchased by other Bankwest customers $10.00 Debit Card Replacement Fee Bank Cheques repurchased or replaced To provide a replacement Debit Card (per card) $15.00 Note: This fee will be waived where the card has been Repurchased by Bankwest on behalf of a customer $20.00 stolen (police report required) or is damaged. -
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).