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Interim Results Announcement 2019
BASIS OF PRESENTATION CYBG PLC (the ‘Company’), together with its subsidiary undertakings (which together comprise the ‘Group’), operate under the Clydesdale Bank, Yorkshire Bank, B and Virgin Money brands. It offers a range of banking services for both retail and business customers through retail branches, business banking centres, direct and online channels, and brokers. This release covers the results of the Group for the six months ended 31 March 2019. Statutory basis: Statutory information is set out on pages 43 to 79. The IFRS 9 accounting standard replaced IAS 39 (‘Financial Instruments: Recognition and Measurement’), introducing changes to the classification and measurement of financial instruments and the impairment of financial assets. Virgin Money adopted IFRS 9 on 1 January 2018 and CYBG on 1 October 2018. Pro forma results: On 15 October 2018, the Company acquired all the voting rights in Virgin Money Holdings (UK) plc (Virgin Money) by means of a scheme of arrangement under Part 26 of the UK Companies Act 2006, with the transaction being accounted for as an acquisition of Virgin Money. We believe that it is helpful to also provide additional information which is more readily comparable with the historic results of the combined businesses. Therefore we have also prepared Pro forma results for the Group as if CYBG PLC and Virgin Money had always been a Combined Group, in order to assist in explaining trends in financial performance by showing a full 6 months performance for the Combined Group for both the current period and prior period, as well as a full 12 month performance of the Combined Group for the most recent year end results. -
The Report from Passenger Transport Magazine
MAKinG TRAVEL SiMpLe apps Wide variations in journey planners quality of apps four stars Moovit For the first time, we have researched which apps are currently Combined rating: 4.5 (785k ratings) Operator: Moovit available to public transport users and how highly they are rated Developer: Moovit App Global LtD Why can’t using public which have been consistent table-toppers in CityMApper transport be as easy as Transport Focus’s National Rail Passenger Combined rating: 4.5 (78.6k ratings) ordering pizza? Speaking Survey, have not transferred their passion for Operator: Citymapper at an event in Glasgow customer service to their respective apps. Developer: Citymapper Limited earlier this year (PT208), First UK Bus was also among the 18 four-star robert jack Louise Coward, the acting rated bus operator apps, ahead of rivals Arriva trAinLine Managing Editor head of insight at passenger (which has different apps for information and Combined rating: 4.5 (69.4k ratings) watchdog Transport Focus, revealed research m-tickets) and Stagecoach. The 11 highest Operator: trainline which showed that young people want an rated bus operator apps were all developed Developer: trainline experience that is as easy to navigate as the one by Bournemouth-based Passenger, with provided by other retailers. Blackpool Transport, Warrington’s Own Buses, three stars She explained: “Young people challenged Borders Buses and Nottingham City Transport us with things like, ‘if I want to order a pizza all possessing apps with a 4.8-star rating - a trAveLine SW or I want to go and see a film, all I need to result that exceeds the 4.7-star rating achieved Combined rating: 3.4 (218 ratings) do is get my phone out go into an app’ .. -
Firstgroup Vies with Virgin in West Coast Rail Bidding War | Business | Guardian.Co.Uk Page 1 of 2
FirstGroup vies with Virgin in west coast rail bidding war | Business | guardian.co.uk Page 1 of 2 Printing sponsored by: FirstGroup vies with Virgin in west coast rail bidding war Aberdeen-based group is frontrunner, along with incumbent, in battle to secure 14-year franchise contract Dan Milmo, industrial editor guardian.co.uk, Sunday 15 July 2012 14.13 BST Virgin, the current holders of the west coast franchise, pay an annual premium of £150m to the government. Photograph: Christopher Thomond for the Guardian FirstGroup has emerged as a frontrunner for the multibillion-pound west coast rail franchise alongside incumbent Virgin Trains, with the contest now a two-horse race between the experienced operators. Aberdeen-based FirstGroup is vying with Virgin despite announcing last year that it is handing back its Great Western rail contract three years ahead of schedule, avoiding more than £800m in payments to the government. The Department for Transport is expected to bank a considerable windfall from the new 14-year west coast contract, with Virgin currently paying an annual premium of about £150m to the state. Both bidders are expected to promise an even bigger number over the life of the new franchise. The winner is expected to be announced next month. It is understood that FirstGroup and Virgin are still in talks with the DfT, but two foreign-owned bidders on the four-strong shortlist are no longer considered likely contenders. They are a joint venture between public transport operator Keolis and SNCF, the French state rail group, and a bid from Abellio, which is controlled by the Dutch national rail operator. -
Parker Review
Ethnic Diversity Enriching Business Leadership An update report from The Parker Review Sir John Parker The Parker Review Committee 5 February 2020 Principal Sponsor Members of the Steering Committee Chair: Sir John Parker GBE, FREng Co-Chair: David Tyler Contents Members: Dr Doyin Atewologun Sanjay Bhandari Helen Mahy CBE Foreword by Sir John Parker 2 Sir Kenneth Olisa OBE Foreword by the Secretary of State 6 Trevor Phillips OBE Message from EY 8 Tom Shropshire Vision and Mission Statement 10 Yvonne Thompson CBE Professor Susan Vinnicombe CBE Current Profile of FTSE 350 Boards 14 Matthew Percival FRC/Cranfield Research on Ethnic Diversity Reporting 36 Arun Batra OBE Parker Review Recommendations 58 Bilal Raja Kirstie Wright Company Success Stories 62 Closing Word from Sir Jon Thompson 65 Observers Biographies 66 Sanu de Lima, Itiola Durojaiye, Katie Leinweber Appendix — The Directors’ Resource Toolkit 72 Department for Business, Energy & Industrial Strategy Thanks to our contributors during the year and to this report Oliver Cover Alex Diggins Neil Golborne Orla Pettigrew Sonam Patel Zaheer Ahmad MBE Rachel Sadka Simon Feeke Key advisors and contributors to this report: Simon Manterfield Dr Manjari Prashar Dr Fatima Tresh Latika Shah ® At the heart of our success lies the performance 2. Recognising the changes and growing talent of our many great companies, many of them listed pool of ethnically diverse candidates in our in the FTSE 100 and FTSE 250. There is no doubt home and overseas markets which will influence that one reason we have been able to punch recruitment patterns for years to come above our weight as a medium-sized country is the talent and inventiveness of our business leaders Whilst we have made great strides in bringing and our skilled people. -
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. -
Company Credit Card: Card 1 Transaction Date Details Amount
Company Credit Card: Card 1 Transaction Date Details Amount (£) Feb 16 Trainline.com: Nottingham Conference 31.26 Feb 16 Trainline.com: London Meeting 45.85 Jan 16 EB Changing Face of C: Crimestoppers 45.00 Conference Jan 16 Trainline.com: London Meeting 45.39 Jan 16 Trainline.com: London Meeting 45.39 Jan 16 LW Adv Sale Chelmsford: Advert for Tamworth 54.00 Herald Jan 16 LW Adv Sale Chelmsford: Advert for Tamworth 306.00 Herald Jan 16 Moonpig.com: Reimbursement made by OPCC 05.99 Nov 15 CCA Occasions: Charity Christmas Cards 155.10 Nov 15 Johnson Press North: Advert for Leamington 307.39 Courier Nov 15 Hotelduvin.com: Birmingham Hotel Booking 137.00 Nov 15 Trainline.com: London Conference 90.78 Nov 15 Trainline.com: London Conference 115.26 Oct 15 Trainline.com: London Meeting 115.26 Oct 15 Virgin Trains: London Conference 161.00 Oct 15 The Police Federation Leatherhead: Conduct 160.00 Conference 2015 Sept 15 Trainline.com: London Meeting 60.49 Sept 15 Hilton: Edinburgh Grosvenor Hotel 129.00 Sept 15 Hilton: Edinburgh Grosvenor Hotel 129.00 Sept 15 Hilton: Edinburgh Grosvenor Hotel Credit Return: 129.00 Sept 15 LW Adv Sale Chelmsford: Advert for Nuneaton 210.02 News Aug 15 Trainline.com: London Meeting 51.00 Aug 15 Currys Online: Stationery Purchase 39.98 Aug 15 Parcel2Go: Yodel Courier Service 25.49 Collection of faulty ICT Equipment Sept 15 Electromarket.co.uk : Public Scrutiny Meeting 199.99 Equipment Sept 15 Amazon.co.uk: Skytec Speaker Credit Return: 224.99 Aug 15 Union Jack Club: London Accommodation 84.50 Aug 15 Cetahealth.co.uk: -
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. -
OCR a Level H431/02 Business RB June 2018
Oxford Cambridge and RSA A Level Business H431/02 The UK business environment Resource Booklet Thursday 7 June 2018 – Afternoon *7010745375* Time allowed: 2 hours INSTRUCTIONS • This is a Resource Booklet. • You should refer to it when answering the examination questions in Section B, which are printed in a separate booklet. • The business described in this Resource Booklet is a real business. INFORMATION • This document consists of 8 pages. Any blank pages are indicated. © OCR 2018 [601/4675/8] OCR is an exempt Charity DC (SC/CT) 152842/3 Turn over 2 VIRGIN TRAINS Virgin Rail Group is a UK train operating company which uses the ‘Virgin Trains’ brand name. It is a joint venture between Virgin Group Ltd and Stagecoach plc. Virgin Trains has operated the West Coast route since 1997 and the East Coast route since 2015 (see Fig. 1). Virgin Trains’ routes West Coast routes Inverness East Coast routes Aberdeen Glasgow Edinburgh York Leeds Liverpool Holyhead Manchester Birmingham Peterborough London Euston London King’s Cross Fig. 1 Virgin Trains is one of more than 20 train operating companies in the UK, all of which are private sector businesses. However, the rail infrastructure, including the rail tracks, signalling and 5 stations, are owned by Network Rail which is a public sector organisation. Train operating companies, such as Virgin Trains, are awarded contracts by the UK government’s Department for Transport to operate a geographical route for a specified number of years. Virgin Trains’ West Coast contract runs until 2019 and the East Coast contract runs until 2023. © OCR 2018 H431/02/RB Jun18 3 Extract A – Virgin Trains renews West Coast contract Stagecoach Group plc & Virgin Group Ltd are pleased to confirm that their joint venture has 10 agreed a new West Coast rail contract with the Department for Transport. -
Virgin Mobile Selects Infospace to Provide Platform for Next Generation Wireless Internet Services
Virgin Mobile Selects InfoSpace to Provide Platform for Next Generation Wireless Internet Services Customers of Virgin Mobile, the fastest growing operator in the UK, to get access to UK's largest suite of mobile data and transaction services through InfoSpace partnership BELLEVUE, Wash. & LONDON--(BUSINESS WIRE)--Sept. 14, 2000--InfoSpace (Nasdaq: INSP), a leading global provider of merchant and consumer infrastructure services on wireless and other platforms, and Virgin Mobile, the world's first virtual mobile network operator, today announced that Virgin Mobile has selected InfoSpace's cutting-edge platform for mobile data and transaction services. The services will provide a whole new way for Virgin Mobile customers to access information, shop, communicate and otherwise manage their lives. Virgin Mobile is capitalizing on InfoSpace's cutting-edge platform and suite of services, to promote the Virgin Group's expertise in the fields of entertainment, leisure and travel. Virgin Mobile will introduce the comprehensive range of wireless services over the InfoSpace platform and under the Virgin Mobile brand later this year. As a result of implementing the InfoSpace platform, Virgin Mobile customers will be able to obtain details about new music and film releases, make purchases from their mobile phone, receive details of special offers and be sent details of entertainment and sports events that are personalized to their profile. The service, which can be customized, will also let users receive local information, such as cinema listings. In addition, communication services will allow Virgin Mobile users to send and receive email and instant messages from any device to any other and access personal information from an electronic address book, calendar and to-do list. -
Assurance Wireless Phones Shop Virgin Mobile
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Stations Monitored
Stations Monitored 10/01/2019 Format Call Letters Market Station Name Adult Contemporary WHBC-FM AKRON, OH MIX 94.1 Adult Contemporary WKDD-FM AKRON, OH 98.1 WKDD Adult Contemporary WRVE-FM ALBANY-SCHENECTADY-TROY, NY 99.5 THE RIVER Adult Contemporary WYJB-FM ALBANY-SCHENECTADY-TROY, NY B95.5 Adult Contemporary KDRF-FM ALBUQUERQUE, NM 103.3 eD FM Adult Contemporary KMGA-FM ALBUQUERQUE, NM 99.5 MAGIC FM Adult Contemporary KPEK-FM ALBUQUERQUE, NM 100.3 THE PEAK Adult Contemporary WLEV-FM ALLENTOWN-BETHLEHEM, PA 100.7 WLEV Adult Contemporary KMVN-FM ANCHORAGE, AK MOViN 105.7 Adult Contemporary KMXS-FM ANCHORAGE, AK MIX 103.1 Adult Contemporary WOXL-FS ASHEVILLE, NC MIX 96.5 Adult Contemporary WSB-FM ATLANTA, GA B98.5 Adult Contemporary WSTR-FM ATLANTA, GA STAR 94.1 Adult Contemporary WFPG-FM ATLANTIC CITY-CAPE MAY, NJ LITE ROCK 96.9 Adult Contemporary WSJO-FM ATLANTIC CITY-CAPE MAY, NJ SOJO 104.9 Adult Contemporary KAMX-FM AUSTIN, TX MIX 94.7 Adult Contemporary KBPA-FM AUSTIN, TX 103.5 BOB FM Adult Contemporary KKMJ-FM AUSTIN, TX MAJIC 95.5 Adult Contemporary WLIF-FM BALTIMORE, MD TODAY'S 101.9 Adult Contemporary WQSR-FM BALTIMORE, MD 102.7 JACK FM Adult Contemporary WWMX-FM BALTIMORE, MD MIX 106.5 Adult Contemporary KRVE-FM BATON ROUGE, LA 96.1 THE RIVER Adult Contemporary WMJY-FS BILOXI-GULFPORT-PASCAGOULA, MS MAGIC 93.7 Adult Contemporary WMJJ-FM BIRMINGHAM, AL MAGIC 96 Adult Contemporary KCIX-FM BOISE, ID MIX 106 Adult Contemporary KXLT-FM BOISE, ID LITE 107.9 Adult Contemporary WMJX-FM BOSTON, MA MAGIC 106.7 Adult Contemporary WWBX-FM