ECP Programme 2020
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18 February 2019 Solvency and Diversification in Insurance Remain Key Strengths Despite Change in Structure
FINANCIAL INSTITUTIONS ISSUER IN-DEPTH Lloyds Banking Group plc 18 February 2019 Solvency and diversification in insurance remain key strengths despite change in structure Summary RATINGS In 2018, Lloyds Banking Group plc (LBG) altered its structure to comply with the UK's ring- Lloyds Banking Group plc Baseline Credit a3 fencing legislation, which requires large banks to separate their retail and SME operations, Assessment (BCA) and deposit taking in the European Economic Area (EEA) from their other activities, including Senior unsecured A3 Stable the riskier capital markets and trading business. As part of the change, LBG designated Lloyds Bank plc as the“ring-fenced” entity housing its retail, SME and corporate banking operations. Lloyds Bank plc It also assumed direct ownership of insurer Scottish Widows Limited, previously a subsidiary Baseline Credit A3 Assessment (BCA) of Lloyds Bank. The changes had little impact on the creditworthiness of LBG and Lloyds Adjusted BCA A3 Bank, leading us to affirm the deposit and senior unsecured ratings of both entities. Scottish Deposits Aa3 Stable/Prime-1 Widows' ratings were unaffected. Senior unsecured Aa3 Stable » LBG's reorganisation was less complex than that of most UK peers. The Lloyds Lloyds Bank Corporate Markets plc Banking Group is predominantly focused on retail and corporate banking, and the Baseline Credit baa3 required structural changes were therefore relatively minor. The group created a small Assessment (BCA) separate legal entity, Lloyds Bank Corporate Markets plc (LBCM), to manage its limited Adjusted BCA baa1 Deposits A1 Stable/Prime-1 capital markets and trading operations, and it transferred its offshore subsidiary, Lloyds Issuer rating A1 Stable Bank International Limited (LBIL), to LBCM from Lloyds Bank. -
Natwest, Lloyds Bank and Barclays Pilot UK's First Business Banking Hubs
NatWest, Lloyds Bank and Barclays pilot UK’s first business banking hubs NatWest, Lloyds Bank and Barclays have announced that they will pilot the UK’s first shared business banking hubs. The first hub will open its door in Perry Barr, Birmingham today. The pilot will also see five other shared hubs open across the UK in the coming weeks The hubs have been specifically designed to enable businesses that manage cash and cheque transactions to pay in large volumes of coins, notes and cheques and complete cash exchange transactions. They will be available on a trial basis to pre-selected business clients in each local area and will offer extended opening times (8am to 8pm) 7 days a week, providing business and corporate customers more flexibility to manage their day-to-day finances. The hubs will be branded Business Banking Hub and they have been designed to enable business customers from Natwest, Lloyds Bank and Barclays to conduct transactions through a shared facility. Commenting on the launch of the pilot, Deputy CEO of NatWest Holdings and CEO of NatWest Commercial and Private Banking Alison Rose said: “We have listened to what our business customers really want from our cash services. It is now more important than ever that we continue to offer innovative services, and we are creating an infrastructure that allows small business owners and entrepreneurs to do what they do best - run their business. I look forward to continued working with fellow banks to ensure the UK's businesses are getting the support they deserve." Commenting on the support this will provide businesses, Paul Gordon, Managing Director of SME and Mid Corporates at Lloyds Bank Commercial Banking said: “SMEs are the lifeblood of the UK economy. -
Banco Santander: Extending Financial Se Vices to Low-Income Communities in B Azil
CASE STUDY Banco Santander: Extending financial se vices to low-income communities in B azil Initi ti e Descriptio In September 2013, Santander Microcrédito joined the Business Call to Action with a commitment to serve 124,799 low-income consumers with microfinance services and to disburse up to US$490 million in microcredit loans by 2015. The goals of Santander Microcrédito are to: • Disburse R$540 million (US$230 million) in microcredit operations by the end of 2014; and R$600 million (US$260 million) in 2015; and • Attain 126,000 active microcredit clients by the end of 2014 and 131,000 additional clients Business Model Santander Microcredit is an example of how Banco in 2015. In Brazil, 52 million people and Santander Brasil contributes to approximately 25 million informal reducing social inequalities in entrepreneurs lack access to the for- the country. When we started mal banking system. Santander Brasil thinking about how to launch Microcredit, a company affiliated with the microcredit programme, we Banco Santander Brasil, was founded decided that it should be a in 2002 to offer microcredit operations model in which all involved to support business entrepreneurs parties could benefit. that could not access formal banking services. To this end, Santander Brasil Microcredit offers loans that con- tribute to employment and income generation for low-income people. Currently, Santander Microcredit The average monthly income in Brazil operates in more than 600 municipali- is US$6801 and 21 percent of the pop- ties (in 10 Brazilian states), and has 25 ulation live below the poverty line2. branch offices. -
Recuadro 6. Open Banking
Reporte de estabilidad financiera | II semestre de 2018 todos los bancos3, y el Reino Unido, que ha hecho el OB de obligatorio cumplimiento para los bancos más grandes. Recuadro 6 El caso del Reino Unido es uno de los más documentados. En este país el OB fue impulsado por una investigación de Open Banking la Competition and Market Authority (CMA), en la que se evaluaron las prácticas que se presentaban entre bancos y pequeñas y medianas empresas (pymes) en el sistema ban- Eduardo Yanquen* cario del Reino Unido4. A partir de ese reporte se determinó que, con miras a incentivar la competencia en el mercado bancario, sería obligatoria la publicación de algunos datos transaccionales y de negocio relacionados con préstamos y cuentas bancarias, a partir del 13 de enero de 2018 para El open banking (OB) se puede definir como el uso de he- los nueve bancos más grandes del Reino Unido5. El siste- rramientas tecnológicas para producir ecosistemas en los ma que se determinó que debía utilizarse para realizar esta que terceros puedan acceder a datos financieros de los transmisión de información fueron las API. Aunque algunos usuarios por medio de interfaces de programación de apli- bancos presentaron problemas para cumplir con la fecha 1,2 caciones (API, por su sigla en inglés) . Mediante estas API inicialmente fijada para la implementación de las API, a la se pueden construir aplicaciones, servicios y herramientas fecha todas las entidades han logrado poner en funciona- que brindarían a los usuarios mayor control sobre sus da- miento sus sistemas. De esta manera, el OB en el Reino Uni- tos personales y un mayor rango de elección acerca de los do es ahora una realidad6. -
Web Updation FAQ's Version 3
FAQ’S for Barclaycard customers 1. Customer: How do I know when my Standard Chartered Bank Credit Card will become active? There is an Instructions letter with your new card that instructs the date on which your new Standard Chartered Bank Credit Card will become active and your Barclaycard will become inactive. A sms will also be sent to you before the activation of your new Standard Chartered Bank Credit Card. 2. Customer: I not received any card from Standard Chartered Bank after I received the Welcome Letter at the end of February 2012? We are dispatching cards in batches. You will receive an SMS from Standard Chartered Bank when your card is dispatched to you. The SMS will contain details of the Airway Bill No. of the courier which you can use to track your card. In case, you do not receive this SMS or your card by the 1st week of June, please write to Customer Care at [email protected] or call Standard Chartered Bank phone banking at the following numbers http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html 3. Customer: Do I need to give details about my account again or will it be transferred automatically? You do not need to do anything as all the information that is currently with Barclays bank will be transferred to Standard Chartered Bank in order to have your new card account set up. However if you have set up ECS/SI instructions on your current Barclaycard, then once you have received the new Standard Chartered Bank Credit Card please call the number at the back of your new Standard Chartered Bank Credit Card to provide ECS/SI instructions. -
Analisis De La Responsabilidad Social Corporativa Del Sector Bancario
Facultad de Ciencias Económicas y Empresariales ANÁLISIS DE LA RESPONSABILIDAD SOCIAL CORPORATIVA EN EL SECTOR BANCARIO ESPAÑOL Autor: María Sánchez Barbero Director: Laura Gismera Tierno MADRID | Abril 2020 RESUMEN/ABSTRACT Resumen La Responsabilidad Social Corporativa es una práctica en auge desde finales de los años 90 y su función principal es satisfacer a los grupos de interés –stakeholders- de las empresas que la aplican. La RSC busca cumplir con los intereses internos de las compañías y de la sociedad, mejorando así la imagen corporativa de la empresa. El sector bancario español lleva casi 20 años aplicando esta corriente empresarial hasta el punto que, las distintas entidades bancarias que conforman el sector, desarrollan modelos de RSC prácticamente idénticos. Este trabajo tiene como principal objetivo analizar la Responsabilidad Social Corporativa en el sector bancario español. En primer lugar, se expondrá una aproximación al concepto de Responsabilidad Social Corporativa, así como su evolución, las principales teorías sobre la materia y ciertos aspectos diferenciales y normativos con los que se identifica la RSC. Así mismo, se realizará un análisis de la evolución del sector bancario en los últimos años junto con las oportunidades y amenazas a las que se enfrenta el mismo. Finalmente, se analizará el modelo de RSC de cinco de las entidades bancarias más importantes a nivel nacional: Santander, BBVA, CaixaBank, Bankinter y Banco Sabadell. Palabras clave: Responsabilidad Social Corporativa (RSC), economía, entidades bancarias, stakeholders, interés, sostenibilidad, acción social. Abstract Corporate Social Responsibility has been a growing practice since the late 1990s and its main function is to satisfy the stakeholders of the companies that apply it. -
Rating Action, Barclays Bank UK
Rating Action: Moody's takes rating actions on Barclays, Lloyds, Santander UK, Nationwide and Close Brothers, following update to banks methodology 13 Jul 2021 London, 13 July 2021 -- Moody's Investors Service (Moody's) has today taken rating actions on Barclays, Lloyds, Santander UK and Close Brothers banking groups and on Nationwide Building Society, including the upgrade of the long-term senior ratings of Lloyds Banking Group plc and Close Brothers Group plc. The rating actions were driven by revisions to Moody's Advanced Loss Given Failure (Advanced LGF) framework, which is applied to banks operating in jurisdictions with Operational Resolution Regimes, following the publication of Moody's updated Banks Methodology on 9 July 2021. This methodology is available at this link: https://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_1269625 . A full list of affected ratings and assessments can be found at the end of this Press Release. RATINGS RATIONALE Today's rating actions were driven by revisions to the Advanced Loss Given Failure framework within Moody's updated Banks Methodology: a revised notching guidance table, with thresholds at lower levels of subordination and volume in the liability structure have been applied to the UK banks and Additional Tier 1 (AT1) securities issued by banks domiciled in the UK have been included in the Advanced LGF framework, eliminating the previous analytical distinction between those high trigger instruments that were deemed to provide equity-like absorption of losses before the point of failure and other AT1 securities. Moody's removal of equity credit for high trigger Additional Tier 1 (AT1) instruments from banks' going concern capital means that affected banks have reduced capacity to absorb unexpected losses before the point of failure, everything else being equal. -
Santander Bank Customer Satisfaction
Santander Bank Customer Satisfaction Two-handed and convict Ross whiz so recognizably that Stefano supernaturalised his chartularies. Medium-sized and metazoic Brad codifying skeptically and buccaneer his Jugurtha mildly and kinetically. Wholesale Stefan parleyvoo some abettors and clobbers his mademoiselle so blunderingly! Prior presidents going and wish to understand and money jar with compliance areas of different countries, bank customer experience with their customer satisfaction was with Every single thing you have a satisfaction in this we strive to all banks in banks and when they shopped for new messages back or bank customer satisfaction. Assessing Classification Methods for Prediction of Customer Satisfaction Santander Bank Dataset The dataset traincsv was obtained from Kagglecom. The united states exhibition in historical data to other regional business banking sector may in latin america does on recent years. Enable them until you will improve or one of other nearby branches, an issue in. Position at least one, it will apply and on behalf of money. Joining santander we could not just four stars for ensembling tree algorithms in? Santander uk has had to choose the interest rates and so on how do i was a santander customer satisfaction. Since most impact of any unwanted effect on their financial institution standards are best possible once a stock. Are false data who the columns numeric or intelligence they need anything be encoded? If should wish to was the client at state center, we must they so realistically. Accounts in this element in all matters into company and certificates of corporate governance and compare reviews, it was a whole branch. -
ESG Report Fund Name GAM Star Credit Opportunities (USD)
4/7/2021 Cover ESG Report Fund Name GAM Star Credit Opportunities (USD) 31 March 2021 This document is confidential and intended solely for the use of the person to w hom it is given or sent and may not be reproduced, copied or given, in w hole or in part, to any other person. 1/1 4/7/2021 Summary EFunSd NGam eSummary GAM Star Credit Opportunities (USD) MSCI ESG Rating MSCI Coverage by Weight ESG Score No 8% Environment Social Governance A 7.2 7.4 4.6 5.6 ESG Rating Distribution ESG Rating Momentum (YoY) Yes 92% 47% 40% 40% (Cash & FX excluded) 27% 17% 5% 4% 2% 2% AAA AA A BBB BB Strong Upward Upward Stable Downward Strong Downward Top 10 Issuers by Weight Top 10 Issuers by Rating Issuer Name % Sector ESG Rating Issuer Name % Sector ESG Rating HSBC HOLDINGS PLC 6.9 % Banks BBB Banco Bilbao Vizcaya Argentaria, S.A. 3.3 % Banks AAA BARCLAYS PLC 6.5 % Banks A Sw iss Re AG 1.3 % Multi-Line Insurance & Brokerage AAA Stichting AK Rabobank 5.8 % Banks A AXA SA 0.7 % Multi-Line Insurance & Brokerage AAA NATWEST GROUP PLC 5.5 % Banks AA Allianz SE 0.6 % Multi-Line Insurance & Brokerage AAA UBS Group AG 5.2 % Investment Banking & Brokerage AA OMV Aktiengesellschaft 0.3 % Integrated Oil & Gas AAA SOCIETE GENERALE SA 5.2 % Banks AA AXA BANQUE S.A. 0.1 % Multi-Line Insurance & Brokerage AAA BNP PARIBAS SA 4.7 % Banks AA NATIXIS US MEDIUM-TERM NOTE PROGRAM LLC 0.0 % Investment Banking & Brokerage AAA Credit Suisse Group AG 4.4 % Investment Banking & Brokerage A NATWEST GROUP PLC 5.5 % Banks AA LLOYDS BANKING GROUP PLC 4.1 % Banks AA UBS Group AG 5.2 % Investment Banking & Brokerage AA BANCO SANTANDER, S.A. -
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. -
On Screen Presentation
Bob Diamond Chief Executive, Barclays PLC UBS Global Financial Services Conference, New York May 2012 Balanced performance across Barclays in Q1 Barclays Q1 2012 Total Income: £8,138m * Corporate Banking Retail and Business Banking £824m Investment Banking £1,077m UK £243m Europe £3,464m £3,140m £830m Africa £990m Barclaycard £451m Head Office & Other: £259m Wealth * Total Income net of Insurance and excluding own credit and gains on debt buybacks UBS Global Financial Services Conference, New York | May 2012 Execution priorities Capital, liquidity and funding Returns Income growth Citizenship UBS Global Financial Services Conference, New York | May 2012 Basel 3 Core Tier 1 ratio pro forma Core Tier 1 ratio under Basel 3 / CRD4 RWA effect Consensus from Basel 3 retained incl. mitigating Capacity for earnings Basel 2.5 actions £47bn RWA 1.6% 12.6% (1.6%) Basel 3 growth above Outstanding pre RWA a 10% CT 1 Basel 2.5 warrants growth ratio 10.9% 0.2% 11% (1%) 10.0% Mar 11 Dec 13 Dec 13 UBS Global Financial Services Conference, New York | May 2012 Execution priorities Capital, liquidity and funding Returns Income growth Citizenship UBS Global Financial Services Conference, New York | May 2012 Adjusted Return on Equity (RoE) by business 2011 FY RoE by business Q1 2012 RoE by business 14.9% UK RBB 15.0% (6.0)% Europe RBB (6.0)% 10.0% Africa RBB 10.2% 17.4% Barclaycard 19.6% 10.4% Investment Bank 17.0% 1.3% Corporate Banking 9.0% 10.9% Wealth & Investment 9.6% Management UBS Global Financial Services Conference, New York | May 2012 Income growth Examples: Barclaycard Africa Wealth and Investment Management Investment Banking UBS Global Financial Services Conference, New York | May 2012 Execution priorities Capital, liquidity and funding Returns Income growth Citizenship UBS Global Financial Services Conference, New York | May 2012 Bob Diamond Chief Executive, Barclays PLC UBS Global Financial Services Conference, New York May 2012 . -
List of PRA-Regulated Banks
LIST OF BANKS AS COMPILED BY THE BANK OF ENGLAND AS AT 2nd December 2019 (Amendments to the List of Banks since 31st October 2019 can be found below) Banks incorporated in the United Kingdom ABC International Bank Plc DB UK Bank Limited Access Bank UK Limited, The ADIB (UK) Ltd EFG Private Bank Limited Ahli United Bank (UK) PLC Europe Arab Bank plc AIB Group (UK) Plc Al Rayan Bank PLC FBN Bank (UK) Ltd Aldermore Bank Plc FCE Bank Plc Alliance Trust Savings Limited FCMB Bank (UK) Limited Allica Bank Ltd Alpha Bank London Limited Gatehouse Bank Plc Arbuthnot Latham & Co Limited Ghana International Bank Plc Atom Bank PLC Goldman Sachs International Bank Axis Bank UK Limited Guaranty Trust Bank (UK) Limited Gulf International Bank (UK) Limited Bank and Clients PLC Bank Leumi (UK) plc Habib Bank Zurich Plc Bank Mandiri (Europe) Limited Hampden & Co Plc Bank Of Baroda (UK) Limited Hampshire Trust Bank Plc Bank of Beirut (UK) Ltd Handelsbanken PLC Bank of Ceylon (UK) Ltd Havin Bank Ltd Bank of China (UK) Ltd HBL Bank UK Limited Bank of Ireland (UK) Plc HSBC Bank Plc Bank of London and The Middle East plc HSBC Private Bank (UK) Limited Bank of New York Mellon (International) Limited, The HSBC Trust Company (UK) Ltd Bank of Scotland plc HSBC UK Bank Plc Bank of the Philippine Islands (Europe) PLC Bank Saderat Plc ICBC (London) plc Bank Sepah International Plc ICBC Standard Bank Plc Barclays Bank Plc ICICI Bank UK Plc Barclays Bank UK PLC Investec Bank PLC BFC Bank Limited Itau BBA International PLC Bira Bank Limited BMCE Bank International plc J.P.