Interim Results Announcement 2019
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20Annual Report 2020 Equiniti Group
EQUINITI GROUP PLC 20ANNUAL REPORT 2020 PURPOSEFULLY DRIVEN | DIGITALLY FOCUSED | FINANCIAL FUTURES FOR ALL Equiniti (EQ) is an international provider of technology and solutions for complex and regulated data and payments, serving blue-chip enterprises and public sector organisations. Our purpose is to care for every customer and simplify each and every transaction. Skilled people and technology-enabled services provide continuity, growth and connectivity for businesses across the world. Designed for those who need them the most, our accessible services are for everyone. Our vision is to help businesses and individuals succeed, creating positive experiences for the millions of people who rely on us for a sustainable future. Our mission is for our people and platforms to connect businesses with markets, engage customers with their investments and allow organisations to grow and transform. 2 Contents Section 01 Strategic Report Headlines 6 COVID-19: Impact And Response 8 About Us 10 Our Business Model 12 Our Technology Platforms 14 Our Markets 16 Our Strategy 18 Our Key Performance Indicators 20 Chairman’s Statement 22 Chief Executive’s Statement 24 Operational Review 26 Financial Review 34 Alternative Performance Measures 40 Environmental, Social and Governance 42 Principal Risks and Uncertainties 51 Viability Statement 56 Section 02 Governance Report Corporate Governance Report 62 Board of Directors 64 Executive Committee 66 Board 68 Audit Committee Report 78 Risk Committee Report 88 Nomination Committee Report 95 Directors' Remuneration -
Lender Panel List December 2019
Threemo - Available Lender Panels (16/12/2019) Accord (YBS) Amber Homeloans (Skipton) Atom Bank of Ireland (Bristol & West) Bank of Scotland (Lloyds) Barclays Barnsley Building Society (YBS) Bath Building Society Beverley Building Society Birmingham Midshires (Lloyds Banking Group) Bristol & West (Bank of Ireland) Britannia (Co-op) Buckinghamshire Building Society Capital Home Loans Catholic Building Society (Chelsea) (YBS) Chelsea Building Society (YBS) Cheltenham and Gloucester Building Society (Lloyds) Chesham Building Society (Skipton) Cheshire Building Society (Nationwide) Clydesdale Bank part of Yorkshire Bank Co-operative Bank Derbyshire BS (Nationwide) Dunfermline Building Society (Nationwide) Earl Shilton Building Society Ecology Building Society First Direct (HSBC) First Trust Bank (Allied Irish Banks) Furness Building Society Giraffe (Bristol & West then Bank of Ireland UK ) Halifax (Lloyds) Handelsbanken Hanley Building Society Harpenden Building Society Holmesdale Building Society (Skipton) HSBC ING Direct (Barclays) Intelligent Finance (Lloyds) Ipswich Building Society Lambeth Building Society (Portman then Nationwide) Lloyds Bank Loughborough BS Manchester Building Society Mansfield Building Society Mars Capital Masthaven Bank Monmouthshire Building Society Mortgage Works (Nationwide BS) Nationwide Building Society NatWest Newbury Building Society Newcastle Building Society Norwich and Peterborough Building Society (YBS) Optimum Credit Ltd Penrith Building Society Platform (Co-op) Post Office (Bank of Ireland UK Ltd) Principality -
Enabling Commerce in the World's Most Under Penetrated Payments
Enabling Commerce In The World’s Most Under Penetrated Payments Market Network International Holdings Plc Annual Report and Accounts 2019 Network International Holdings Plc 01 Annual Report and Accounts 2019 We are Network International, the leading payment solutions provider in the Middle East and Africa. Our innovative solutions drive revenue and profitability for our customers. To read our Annual Report online go to www.network.ae Market opportunity Under penetrated payments markets R Read more on page 10 Business model A unique We are enabling and leading the transition from cash proposition to digital payments across the Middle East and Africa, one of the fastest growing payments markets in the world. R Read more on page 14 Strategic Report Governance Financial Statements 2019 Highlights 02 Corporate Governance Report 72 Independent Auditor’s Report 138 Our Industry 04 Board of Directors 74 Consolidated Statement Strategy in action Our Business at a Glance 06 Executive Management Team 76 of Financial Position 144 Chairman’s Statement 08 Audit and Risk Committee Report 88 Consolidated Statement of Profit or Loss 145 Market Overview 10 Nomination Committee Report 100 Market leading Consolidated Statement of Our Track Record 12 Directors’ Remuneration Report 102 other Comprehensive Income 146 Our Business Model 14 Directors’ Report 130 Consolidated Statement technology Chief Executive Officer’s Review 16 Going Concern Statement of Changes in Equity 147 Our Strategic Framework 20 and Viability Statement 136 Group Statement of Cash Flows -
Better Banking for Your Business
Better banking for your business 3 Business made more Running a small business is a big job. As well as being a master of your chosen trade, you also need to be a dab hand at admin, finance, management, marketing and more. And, often your day is a long one, outside of 9 to 5 hours. When you’re putting so much of your life into growing your business, we think you should have all the support we can give you. Which is why our business accounts are designed to help you control costs, manage payments, and help your money work harder with a little less effort. Because when you get the most out of your business, you get the most out of life. Starting with 25 months of free business banking Whether you’re opening your first You won’t pay any charges as long as you business account or switching an existing keep your account within agreed limits and one, we’ll give you free day-to-day don’t go overdrawn without arranging it business banking for the first 25 months. with us first. And when your free banking Which means that every single penny you ends, you’ll go onto a simple tariff with make goes towards making your business great ongoing value. successful. The benefits of business banking When you open your account, we’ll make • Free card reader from Square to take sure our services match your business chip and pin and contactless payments needs, including: with no fees on your first £1,000.* • Support from our team of Business • Business Debit card. -
VIRGIN MONEY UK PLC (Company)
VIRGIN MONEY UK PLC (Company) LEI: 213800ZK9VGCYYR6O495 4 May 2020 Board Succession Plan On 24 January 2020 the Company announced that its Chairman, Jim Pettigrew, had confirmed his intention to retire as Chairman once a successor was found and following an orderly handover. The Company is pleased to announce the appointment of David Bennett as Chairman, following the completion of a thorough search and selection process. David has been Deputy Chairman and a Non-Executive Director of the Company since October 2015 and Senior Independent Director since January 2017. David will become Chair of the Board of Directors and Chair of the Governance and Nomination Committee of the Company on 6 May 2020 following Jim’s retirement as Non-Executive Director and Chairman of the Company on 5 May 2020. Jim will remain available in an advisory capacity to David for a period. Upon becoming Chair of the Board, David will cease to be a member of the Risk Committee and of the Audit Committee. Jim Pettigrew outgoing Chairman said: “Having now established Virgin Money UK PLC as a fully combined business and with a refreshed strategy in place, it is now the right time to let the succession process move forward and for the Board and Company to take the next steps in its evolution under a new Chairman. I am delighted David has been appointed, having so ably served as my Deputy and Senior Independent Director. I know I leave the Board and Company in very capable hands and wish David and the Company every success for the future.” David Duffy, Chief Executive Officer of Virgin Money said: “I am very pleased that someone with David’s extensive banking experience and deep understanding of our business will succeed Jim as Chairman. -
The Virgin UK Index Tracking Trust
The Virgin UK Index Tracking Trust Final Report and Financial Statements For the year ended 15 March 2021 2 The Virgin UK Index Tracking Trust Contents Manager's report 3 Management and professional services 3 Manager's investment report 4 Comparative tables 11 Portfolio statement 12 Top purchases and sales of investments 30 Securities Financing Transactions (SFTs) 32 Statement of total return 36 Statement of change in net assets attributable to unitholders 37 Balance sheet 38 Notes to the financial statements 39 Distribution tables 53 Statement of the Manager’s responsibilities 54 Independent auditor’s report to the unitholders of the Virgin UK Index Tracking Trust 55 Manager’s remuneration 58 Statement of the Trustee’s responsibilities in respect of the Scheme and Report of the Trustee to the Unitholders of the Virgin UK Index Tracking Trust 59 The Virgin UK Index Tracking Trust 3 Management and professional services For the year ended 15 March 2021 Manager (the ‘Manager’) Virgin Money Unit Trust Managers Limited Jubilee House Directors: S. Bruce (appointed 29 September 2020) Gosforth J. Byrne (appointed 24 May 2021) Newcastle upon Tyne H. Chater NE3 4PL S. Fennessy (resigned 29 September 2020) F. Murphy (appointed 19 October 2020) M. Phibbs J. Scott (resigned 4 December 2020) I. Smith (resigned 19 October 2020) D. Taylor (appointed 29 September 2020) N. L. Tu (resigned 24 May 2021) S. Wemyss (appointed 8 December 2020) Telephone 03456 10 20 30* Authorised and regulated by the Financial Conduct Authority. Investment adviser Aberdeen Asset Managers Limited 10 Queen’s Terrace Aberdeen Aberdeenshire AB10 1XL Authorised and regulated by the Financial Conduct Authority. -
CYBG PLC Unifies Digital Banking Platform with Red Hat Openshift
Customer Case Study CYBG PLC unifies digital banking platform with Red Hat Openshift CYBG PLC, parent group of Clydesdale Bank, Yorkshire Bank, Virgin Money, and digital banking service B, wanted to expand and standardise its digital banking offer to stay competitive against market leaders and new disruptors. To gain the scalability and agility demanded by custom- ers, CYBG united three of its brands’ services on its Operational Platform based on Red Hat OpenShift Container Platform. With its Operational Platform, CYBG has established a more effi- cient, customer-focused business to build long-term growth. Software Glasgow, Scotland Red Hat® OpenShift® Container Platform Red Hat Consulting Banking Headquarters 159 branches ~6,500 employees +£1 billion 2018 revenue “With Red Hat OpenShift, we’ve improved our IT efficiency, reliability, security, and reusability.” Benefits • Gained responsive scal- Denis Blackwood ability to grow digital banking Head of IT services, CYBG PLC platform from 40,000 to more than 1 million customers in less than 12 months • Increased IT efficiency by automating repetitive tasks and optimizing hardware resource use • Established solid foundation for future innovation with open source IT experts facebook.com/redhatinc @redhat linkedin.com/company/red-hat redhat.com Customer case study Embracing digital banking to challenge established competitors “Red Hat’s engagement with the open source CYBG PLC is the parent group of Clydesdale Bank, Yorkshire Bank, Virgin Money, and digital banking service B. With a goal to disrupt the status quo in the banking industry, the group aims to capture community, and the market share as payment, mortgage, and lending markets evolve. -
Register of Lords' Interests
REGISTER OF LORDS’ INTERESTS _________________ The following Members of the House of Lords have registered relevant interests under the code of conduct: ABERDARE, LORD Category 8: Gifts, benefits and hospitality Attended with wife, Royal Opera House, Covent Garden, 25 July 2014, as guests of Welsh Government Category 10: Non-financial interests (a) Director, F.C.M. Limited (recording rights) Category 10: Non-financial interests (c) Trustee, Berlioz Society Trustee, St John Cymru-Wales Trustee, National Library of Wales Category 10: Non-financial interests (e) Trustee, West Wycombe Charitable Trust ADAMS OF CRAIGIELEA, BARONESS Nil No registrable interests ADDINGTON, LORD Category 1: Directorships Chairman, Microlink PC (UK) Ltd (computing and software) Category 7: Overseas visits Visit to Dublin, 6-7 May 2015, to talk on UK Election at seminar organised by Goodbody and the British Irish Chamber of Commerce who paid for airfares, accommodation and hospitality Category 10: Non-financial interests (d) Vice President, British Dyslexia Association Category 10: Non-financial interests (e) Vice President, UK Sports Association Vice President, Lakenham Hewitt Rugby Club ADEBOWALE, LORD Category 1: Directorships Director, Leadership in Mind Ltd (business activities; certain income from services provided personally by the Member is or will be paid to this company or to TomahawkPro Ltd; see category 4(a)) Non-executive Director, Three Sixty Action Ltd (holding company; community development, media and IT) (see category 4(a)) Non-executive Director, TomahawkPro Ltd (a subsidiary of Three Sixty Action Ltd; collaborative software & IT innovation; no income from this post is received at present; certain income from services provided personally by the Member is or will be paid to this company or to Leadership in Mind Ltd; see category 4(a)) Category 2: Remunerated employment, office, profession etc. -
Certified Pre-Schools in the United Arab Emirates
Investigating the Factors that may contribute to the Learning of Children at ISO Quality Certified and Non- Certified Pre-Schools in the United Arab Emirates التحقيق في العوامل التي يمكن أن تسهم في تعلم اﻷطفال في شهادة إسو المعتمدة وغير المعتمدة في مرحلة ما قبل المدرسة في اﻹمارات العربية المتحدة by VANDANA KUMAR GANDHI A thesis submitted in fulfilment of the requirements for the degree of DOCTOR OF PHILOSPHY IN EDUCATION at The British University in Dubai Dr. Solomon Arulraj David September 2017 ii DECLARATION I warrant that the content of this research is the direct result of my own work and that any use made in it of published or unpublished copyright material falls within the limits permitted by international copyright conventions. I understand that a copy of my research will be deposited in the University Library for permanent retention. I hereby agree that the material mentioned above for which I am author and copyright holder may be copied and distributed by The British University in Dubai for the purposes of research, private study or education and that The British University in Dubai may recover from purchasers the costs incurred in such copying and distribution, where appropriate. I understand that The British University in Dubai may make a digital copy available in the institutional repository. I understand that I may apply to the University to retain the right to withhold or to restrict access to my thesis for a period which shall not normally exceed four calendar years from the congregation at which the degree is conferred, the length of the period to be specified in the application, together with the precise reasons for making that application. -
Company Date Type Resid Proposal Vote Rescode CARR's GROUP
Company Date Type ResId Proposal Vote ResCode CARR'S GROUP PLC 07/01/2020 AGM 1 Receive the Annual Report Abstain 201 CARR'S GROUP PLC 07/01/2020 AGM 2 Approve the Dividend For 401 CARR'S GROUP PLC 07/01/2020 AGM 3 Elect Peter Page Oppose 301 CARR'S GROUP PLC 07/01/2020 AGM 4 Re-elect Tim Davies For 301 CARR'S GROUP PLC 07/01/2020 AGM 5 Re-elect Neil Austin For 301 CARR'S GROUP PLC 07/01/2020 AGM 6 Re-elect Alistair Wannop Oppose 301 CARR'S GROUP PLC 07/01/2020 AGM 7 Re-elect John Worby Oppose 301 CARR'S GROUP PLC 07/01/2020 AGM 8 Re-elect Ian Wood Oppose 301 CARR'S GROUP PLC 07/01/2020 AGM 9 Appoint the Auditors For 501 CARR'S GROUP PLC 07/01/2020 AGM 10 Allow the Board to Determine the Auditor's Remuneration For 503 CARR'S GROUP PLC 07/01/2020 AGM 11 Approve the Remuneration Report Oppose 202 CARR'S GROUP PLC 07/01/2020 AGM 12 Issue Shares with Pre-emption Rights For 601 CARR'S GROUP PLC 07/01/2020 AGM 13 Issue Shares for Cash For 602 CARR'S GROUP PLC 07/01/2020 AGM 14 Authorise Share Repurchase Oppose 607 CARR'S GROUP PLC 07/01/2020 AGM 15 Meeting Notification-related Proposal For 1511 DIPLOMA PLC 15/01/2020 AGM 1 Receive the Annual Report Oppose 201 DIPLOMA PLC 15/01/2020 AGM 2 Approve the Dividend For 401 DIPLOMA PLC 15/01/2020 AGM 3 Re-elect John Nicholas Oppose 301 DIPLOMA PLC 15/01/2020 AGM 4 Elect Johnny Thomson For 301 DIPLOMA PLC 15/01/2020 AGM 5 Re-elect Nigel Lingwood For 301 DIPLOMA PLC 15/01/2020 AGM 6 Re-elect Charles Packshaw For 301 DIPLOMA PLC 15/01/2020 AGM 7 Re-elect Andy Smith For 301 DIPLOMA PLC 15/01/2020 AGM 8 -
Chelsea Building Society Mortgage Rates
Chelsea Building Society Mortgage Rates Insecure Pincas retaliates reparably. Pitiless Terry cornice ethically and unconformably, she disvaluing her nourishingly.Piaget parks fleetly. Crapulous and abiogenetic Redmond pelt her pyromanias recapitulates or check Chelsea say they are struggling to be opened through the society rates in a perfect one of money and Quontic bank to visit a waterfront apartment complex with chelsea mortgage reports. We process with chelsea mortgage repayments. Yorkshire bank instant new account dart productions. Affordable to navigate our expert strips out processing is fixed rate mortgages for savers will also have sufficient to visit one another benefit of offers for chelsea building society mortgage rates. Would let come into the range of a crown loan shark to business rates. How can speak make less interest on or money 6 easy options. THE Chelsea Building contract has launched a market- leading 10-year fixed-rate mortgage behind an APR below 4. Chelsea Building with Two Year Fixed Rate Buy-to-Let. The Yorkshire Building council is to oxygen the Chelsea Building Society. The Mortgage Works is run again the Nationwide building society. Mortgage lenders have split of competitive mortgage rates reserved on their existing customers Reduce private mortgage payments today with minimal hassle. Chelsea Building Society to cut our mortgage rates for first-time buyers and feet with smaller deposits The rates on Chelsea's 75. Chelsea Building Society launches low-fee but Mortgage. Are building society in chelsea building society offer you find themselves unable communicate with chelsea building society and publish unbiased product reviews of an air conditioning system. -
Online Services Tariff for Business Customers
Online Services Tariff for Business Customers This tariff should be read alongside the Business Banking Tariff Guide. It shows the details of the fees payable for our online business banking services – Business Internet Banking and Internet Banking. For information about all the other fees and costs payable for business banking services, check out our Business Banking Tariff at virginmoney.com/business Business Internet Banking Business Internet Banking Service Fees • Set up and control additional Users • Real time reporting on most business accounts • External funds transfers via Faster Payments* • Batching of individual payments No monthly subscription fee • Dedicated helpdesk support (8am – 6pm Monday – Friday) • BACS Payment capability (requires set up) • International Payment capability (requires set up) • Guaranteed same day CHAPS payment capability (requires set up) Business Internet Banking Transactional Fees Faster Payments – Auto Debit As per Auto Debit transaction charge on your Business Tariff, charged separately on a monthly basis. Standard Tariff = £0.30 per payment. BACS Payments £0.18 per payment Charge for exceeding BACS credit limit £40.00 charged separately on a quarterly basis CHAPS Payments £17.50 per payment charged separately† Copies of confirmation/advices £5.00 per item charged separately International Payments SWIFT £17.50 per payment charged separately††^ SEPA £15.00 per payment charged separately††^ Charge clause options BEN: Deducted Clydesdale Bank/Yorkshire Bank charges from amount sent (receiver pays all charges, including Other Bank charges). SHA: Debit me with Clydesdale Bank/Yorkshire Bank charges only. OUR: Debit me with all charges (payer pays all sending and receiving bank charges). Copies of confirmations/advices £5.00 per item charged separately.