National Australia Bank Consents Department
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Bank Default Notice Australia
Bank Default Notice Australia Sharp-eyed and degradable Husein proves: which Rolph is rangy enough? Clarence cribbles his encouraging.agglutinants mercerizes Dispositional nowise Ken canonisedor backward infinitively. after Tammy regorged and partake snap, Waltonian and The Australian Government Department of Communication have made helpful. A debt collector must save you appropriate notice outlining how much overtime you. Lenders must make sure all defaults in writing. WBC4040010472 Exhibit AW3-53 Default notice and. It really doesn't take head to lobby the tide from a financial setback sometimes. Late payments remain into the credit report altogether seven years The seven-year million is based on society the delinquency occurred Whether the entire account it be deleted is determined however whether they brought the account closure after the missed payment. If as receive notice that manual are time taken by court began as a summons or. Where appropriate for your credit code is there is. When you can be tough times of libor business of research reports, if you do their personal account? Deloitte US Audit Consulting Advisory and Tax Services. You instruct us securities laws? Default notices and the purchasing of residential property. Western Australia If either tenant falls more equity one day behind my rent you new issue a missing notice. If you don't pay your credit card then expect to consider late fees receive increased interest rates and incur damages to your credit score If you continue to miss payments your combat can be frozen your discount could be sold to a collection agency and the collector of a debt than sue you dream have your wages garnished. -
2021 Half Year Results Presentation 2 1H21 RESULTS PRESENTATION 15 April 2021
1H21 INVESTOR MATERIALS 15 April 2021 Half Year ended 28 February 2021 BANK OF QUEENSLAND LIMITED ABN 32 009 656 740. AFSL NO 244616. CONTENTS 1H21 RESULTS PRESENTATION 3 ABOUT BOQ 30 1H21 RESULTS 34 PORTFOLIO QUALITY 38 CAPITAL, FUNDING & LIQUIDITY 45 DIVISIONAL RESULTS 52 ECONOMIC ASSUMPTIONS 56 Bank of Queensland Limited 2021 Half Year Results Presentation 2 1H21 RESULTS PRESENTATION 15 April 2021 Half Year ended 28 February 2021 BANK OF QUEENSLAND LIMITED ABN 32 009 656 740. AFSL NO 244616. AGENDA INTRODUCTION Cherie Bell, General Manager Investor Relations RESULTS OVERVIEW George Frazis, Managing Director and CEO FINANCIAL DETAIL AND PORTFOLIO QUALITY Ewen Stafford, Chief Financial Officer and Chief Operating Officer SUMMARY & OUTLOOK George Frazis, Managing Director and CEO Q&A George Frazis, Managing Director and CEO Ewen Stafford, Chief Financial Officer and Chief Operating Officer Bank of Queensland Limited 2021 Half Year Results Presentation 4 RESULTS OVERVIEW GEORGE FRAZIS MANAGING DIRECTOR AND CEO 1H21 OVERVIEW 1. Statutory profit growth of 66%, cash net profit up 9%, and EPS growth of 3%1, reflecting strong growth whilst managing margin, costs and lower impairments 2. Good business momentum, with strong housing loan growth of 1.6x system and improved NIM to 1.95% 3. Delivering on the strategic transformation, over the last three halves, with go live of the first phase of the retail digital banking platform, and acquisition of ME Bank announced 4. Asset quality remains sound, reflected by loan impairment expense to GLAs reducing to 10bps and arrears reducing over the half. Prudent provision levels maintained 5. Capital strength to support business growth and transformation investment with CET1 of 10.03% 6. -
Half Year Results 2021 Investor Presentation
NAB 2021 HALF YEAR RESULTS INDEX This presentation is general background information about NAB. It is intended to be used by a professional analyst audience and is not intended to be relied upon as financial advice. Refer to page 116 for legal disclaimer. Financial information in this presentation is based on cash earnings, which is not a statutory financial measure. Refer to page 114 for definition of cash earnings and reconciliation to statutory net profit. Overview 3 1H21 Financials 16 Additional Information 32 Divisional Performances 32 Technology & Operations Update 49 Long Term: A Sustainable Approach 52 Australian Business Lending 59 Australian Housing Lending 63 Other Australian Products 70 Group Asset Quality 73 Capital & Funding 90 Economics 103 Other Information 111 OVERVIEW ROSS McEWAN Group Chief Executive Officer KEY MESSAGES Financial results reflect improving economy Risks remain – strength and stability continue to be a priority Executing our strategy with discipline and focus Building momentum, with more to do Well positioned to support a business-led recovery 4 SOUND FINANCIAL RESULTS METRIC 1H21 2H20 1H21 V 2H20 Statutory net profit ($m) 3,208 1,246 Large CONTINUING OPERATIONS (EX LARGE NOTABLE ITEMS 1) Cash earnings 2 ($m) 3,343 2,258 48.1% Underlying profit ($m) 4,576 4,952 (7.6%) Cash ROE 11.1% 7.7% 3.4% Diluted Cash EPS (cents) 96.9 67.3 44.0% Dividend (cents) 60 30 100% Cash payout ratio 3 59.1% 42.7% 16.4% (1) For a full breakdown of large notable items in 2H20 refer to Section 4, Note 3 of the 2021 Half Year Results Announcement. -
Westpac Online Investment Loan Acceptable Securities List - Effective 3 September2021
Westpac Online Investment Loan Acceptable Securities List - Effective 3 September2021 ASX listed securities ASX Code Security Name LVR ASX Code Security Name LVR A2M The a2 Milk Company Limited 50% CIN Carlton Investments Limited 60% ABC Adelaide Brighton Limited 60% CIP Centuria Industrial REIT 50% ABP Abacus Property Group 60% CKF Collins Foods Limited 50% ADI APN Industria REIT 40% CL1 Class Limited 45% AEF Australian Ethical Investment Limited 40% CLW Charter Hall Long Wale Reit 60% AFG Australian Finance Group Limited 40% CMW Cromwell Group 60% AFI Australian Foundation Investment Co. Ltd 75% CNI Centuria Capital Group 50% AGG AngloGold Ashanti Limited 50% CNU Chorus Limited 60% AGL AGL Energy Limited 75% COF Centuria Office REIT 50% AIA Auckland International Airport Limited 60% COH Cochlear Limited 65% ALD Ampol Limited 70% COL Coles Group Limited 75% ALI Argo Global Listed Infrastructure Limited 60% CPU Computershare Limited 70% ALL Aristocrat Leisure Limited 60% CQE Charter Hall Education Trust 50% ALQ Als Limited 65% CQR Charter Hall Retail Reit 60% ALU Altium Limited 50% CSL CSL Limited 75% ALX Atlas Arteria 60% CSR CSR Limited 60% AMC Amcor Limited 75% CTD Corporate Travel Management Limited ** 40% AMH Amcil Limited 50% CUV Clinuvel Pharmaceuticals Limited 40% AMI Aurelia Metals Limited 35% CWN Crown Limited 60% AMP AMP Limited 60% CWNHB Crown Resorts Ltd Subordinated Notes II 60% AMPPA AMP Limited Cap Note Deferred Settlement 60% CWP Cedar Woods Properties Limited 45% AMPPB AMP Limited Capital Notes 2 60% CWY Cleanaway Waste -
Natwest Markets Plc
Information Memorandum 5 March 2020 NatWest Markets Plc (incorporated in Scotland with limited liability under the Companies Act 1948 to 1980, registered number SC090312) A$5,000,000,000 Debt Issuance Programme Arranger & Dealer National Australia Bank Limited Dealers Australia and New Zealand Banking Group Limited Commonwealth Bank of Australia Mizuho Securities Asia Limited NatWest Markets Plc The Toronto-Dominion Bank Westpac Banking Corporation Contents Important notices 1 1. Programme summary 4 2. Information about NatWest Markets Plc 9 3. UK Bank Resolution Regime 10 4. Selling restrictions 11 5. Summary of certain taxation matters 15 6. Other important matters 17 7. Conditions of the Notes 19 8. Form of Pricing Supplement 39 9. Glossary 44 Directory 47 42015475_33 Important notices This Information Memorandum The distribution and use of this Information Memorandum, including any Issue Materials, and the This Information Memorandum relates to a debt offer or sale of Notes may be restricted by law in certain issuance programme (“ Programme ”) established by jurisdictions and intending purchasers and other NatWest Markets Plc (the “Issuer ”), under which it may investors should inform themselves about them and issue Notes from time to time. It has been prepared by, observe any such restrictions. and is issued with the authority of, the Issuer. In particular: The Issuer is neither a bank nor an authorised deposit- taking institution which is authorised under the this Information Memorandum is not a prospectus Australian Banking Act and nor is it supervised by the or other disclosure document for the purposes of the Australian Prudential Regulation Authority. The Notes Corporations Act. -
Invocare Limited and Subsidiaries Appendix 4D (Rule 4.2A) Half Year Report for the Half Year Ended 30 June 2021
InvoCare Limited and subsidiaries Appendix 4D (rule 4.2A) Half year report For the half year ended 30 June 2021 INVOCARE LIMITED Appendix 4D Results for announcement to the market (All comparisons to half year ended 30 June 2020) Jun 2021 Up/(down) Movement $’000 $’000 % Revenue from continuing operations 260,855 30,531 13.3 Operating earnings after income tax attributable to ordinary equity holders of InvoCare Limited* 20,552 8,987 77.7 Net profit from ordinary activities after income tax attributable to ordinary equity holders of InvoCare Limited 43,856 61,861 343.6 Net profit after income tax attributable to ordinary equity holders of InvoCare Limited 43,856 61,861 343.6 * This is non-IFRS financial information and is reconciled to statutory profit in the Financial Report (Refer to Directors’ report in the Half Year Financial Report attached). Dividend information Franked Amount per amount per Franking share share credit cents cents % 2021 Interim dividend 9.5 9.5 100 Dividend dates For 2021 interim dividend to be paid, the dividend dates are as follows. Record date 3 September 2021 Payment date 7 October 2021 The Company’s Dividend Reinvestment Plan (DRP) will operate for the 2021 interim dividend by acquiring shares on market at no discount. Shares will be transferred to participants in accordance with the DRP Rules. The last time for the receipt of an election notice to participate in the DRP is 5:00pm on 6 September 2021. Eligible shareholders may lodge their DRP elections electronically by logging onto InvoCare’s share registry, Link Market Services, via their website at https://investorcentre.linkmarketservices.com.au and clicking on the link to Investor Login. -
Stepping up with Spark
STEPPING UP COLLABORATION WITH SPARK “Skype for Business is improving the way we work within Westpac – it’s amazing to see how collaboration and teamwork has skyrocketed with the ability to share and create digitally.” Richard Jarrett, Head of IT Foundation & Frontline Experience, Westpac Behind the Business RAPID ROLL-OUT OF SKYPE FOR BUSINESS Accelerating Westpac NZ’s digital transformation. To be recognised as one of the world’s great “It will mean we can collaborate more effectively, be About Westpac NZ service companies, Westpac NZ has been looking more productive and offer more to our customers.” at ways to cut down process and speed up the time • Founded in 1861 it takes to make decisions for its customers. “With almost 5,000 staff spread across offices and branches throughout New Zealand, it’s a large project Over the last few years, Westpac has focused on • 4,900 employees and one that is supporting a cultural shift in the way leveraging digital technology to do this. Partnering Westpac works.” with Spark for a Skype for Business deployment is its • 620 ATMs latest move that’s helping the bank to find new and Benefiting from rapid deployment • 1.35 million customers smarter ways of doing business. Keen to roll out Skype for Business as quickly as “Skype for Business is going to equip our people possible and with minimal risk, Westpac turned to with the latest unified communication and video long-standing technology partners and Microsoft conferencing tools,” says Head of IT Foundation “Collaborating will be a experts, Spark, to do this. -
Annual Report and Sustainability Update 2018/2019
Annual Report and Sustainability Update 2018–2019 “Our dedication to running an ethical and sustainable institution has been recognised with Teachers Mutual Bank Limited being named one of the World’s Most Ethical Companies for the sixth year running.” Contents Annual Report and Sustainability Update Our mission is to deliver quality financial products and services to workers and their families within the education, emergency services, and health communities. We will do this in an ethical, simple and friendly manner. Key financial performance 02 Chairperson and CEO’s report 04 Members 06 Social Responsibility 10 Community 14 Employees 18 Environment 22 Summary of Sustainability KPIs and targets 26 Directors’ report 28 Auditor’s independence declaration 32 Financial statements and notes 33 Statement of comprehensive income 34 Statement of changes in member equity 35 Statement of financial position 36 Statement of cash flows 37 Notes to the financial statements 38 Directors’ declaration 87 Independent auditor’s report 88 TEACHERS MUTUAL BANK LIMITED Telephone: 13 12 21 | Fax: (02) 9704 8205 Email: [email protected] | Address: 28-38 Powell Street Homebush NSW 2140 | PO Box: PO Box 7501 Silverwater NSW 2128 | ABN: 30 087 650 459 | AFSL/Australian Credit Licence: 238981 | Design: www.frescocreative.com.au 1 Key Financial Performance Our focus is to maintain sustainable growth to ensure we provide competitive products and services to enable our members to secure their financial futures. OVERVIEW Capital adequacy ratio Membership Capital adequacy is a ratio which protects depositors and Membership refers to all shareholders that are eligible to investors by indicating the strength of an institution. -
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. -
Pp43-45 6.3-Oliver
THE FINANCIAL SERVICES FORUM Retail Banking BANK TO THE FUTURE The high street banks have alienated many of their customers in their search for efficiency, depersonalising the whole experience with offshore call centres and centralised lending decisions. Malcolm Oliver looks at how two relative newcomers to the UK retail banking scene are reviving the old concept of real bank managers and personal service. The future of retail banking is a self-evidently important The key to success is often not the development of theme, and indeed one that The Financial Services Forum the ideas themselves but having the confidence (and addresses each year in the slightly broader context of its perhaps the commercial and professional courage) to Future of Retail Financial Services conferences. stand out and not dismiss them, like most of the herd, But between the positive idea and the delivered reality as passé or inappropriate to the needs of twenty-first- can fall a huge shadow. If speakers really have cracked century customers. As Allan Leighton said recently, in the problem in a way that will deliver lasting customer his new book on leadership, “the biggest challenge to satisfaction and regulatory approval and sustainable senior management is being able to listen effectively to profitability, why on earth would they want to give their those below who know what will and will not work”. secrets away to commercial rivals? Just reflect on how many financial services companies The Forum largely avoids this problem by its in the last decade or so have put in place new strategies membership formula, which means that most presenters to relocate call centres overseas, or to close local will already have built informal relationships with most of branches, or to withdraw free ATMs, or to restrict opening the audience, and will therefore feel that they are talking hours – only to have to perform an embarrassing volte- amongst friends rather than competitors. -
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 $2 -
Invesco Liquid Assets Portfolio
Invesco Liquid Assets Portfolio Portfolio Holdings Data as of June 30, 2021 4 2 3 Final Principal Market 1 Coupon/ Maturity Maturity Associated % of Amount Value ($) Name of Issue CUSIP Yield (%) Date Date Issuer Portfolio Asset Backed Commercial Paper ASSET-BACKED COMMERCIAL PAPER 25,000,000 24,998,958 Ionic Capital III Trust (CEP-UBS AG) 46220WUG9 0.13 07/16/2021 07/16/2021 UBS GROUP AG 1.27 37,777,000 37,774,140 Lexington Parker Capital Company (Multi-CEP) 52953AUV5 0.15 07/29/2021 07/29/2021 Lexington Parker Capital 1.93 Company (Multi-CEP) 10,500,000 10,500,000 LMA Americas LLC (CEP-Credit Agricole Corporate & Investment Bank S.A.) 53944QXR6 0.05 10/25/2021 10/25/2021 CREDIT AGRICOLE SA 0.54 40,000,000 39,992,272 LMA SA (CEP-Credit Agricole Corporate & Investment Bank S.A.) 53944QW30 0.24 09/03/2021 09/03/2021 CREDIT AGRICOLE SA 2.04 20,000,000 20,000,000 Ridgefield Funding Co. LLC (CEP-BNP Paribas S.A.) 76582JW26 0.14 09/02/2021 09/02/2021 BNP PARIBAS SA 1.02 55,000,000 54,964,250 Ridgefield Funding Co. LLC (CEP-BNP Paribas S.A.) 76582JY81 0.14 11/08/2021 11/08/2021 BNP PARIBAS SA 2.80 188,277,000 188,229,620 Asset-Backed Commercial Paper 9.60 ASSET-BACKED COMMERCIAL PAPER (INTEREST BEARING) 50,000,000 50,000,000 Anglesea Funding LLC (Multi-CEP) 0347M5VG1 0.17 07/01/2021 08/04/2021 Anglesea Funding LLC 2.55 25,000,000 25,000,000 Anglesea Funding LLC (Multi-CEP) 0347M5VL0 0.17 07/01/2021 08/04/2021 Anglesea Funding LLC 1.27 10,000,000 10,000,000 Bedford Row Funding Corp.