West Bromwich Building Society Annual results presentation year ending 31 March June 2011
|
|
|
- Oswald Cain
- 5 years ago
- Views:
Transcription
1 West Bromwich Building Society Annual results presentation year ending 31 March 2011 June 2011
2 Jonathan Westhoff Chief Executive 2 West Brom June 2011
3 Business & Strategy overview 3 West Brom June 2011
4 West Brom Overview The Society is the 6 th largest with circa 600,000 members and 7.5bn of assets. Focused on savings, investments and residential mortgages. The Society has 39 branches in the West Midlands, Shropshire and Mid Wales. Society Branches 4 West Brom June 2011
5 Back to Basics 2 years on Run-off of non-core: CRE exposure down c17% to 1.28bn Second charge lending down c20% to 44.8m Acquired portfolios down c20% to 415.6m West Brom Homes - generating trading profit Mortgage Force - sold Capital strengthened significantly: Core Tier 1 almost doubled to 12.8% Returned to operating profit Losses down from 48.8m to 13.8m 5 West Brom June 2011
6 Back to Basics 2 years on New brand launched 6 West Brom June 2011
7 Back to Basics 2 years on Reinvigorated branches Browser walls Information screens 7 West Brom June 2011
8 Management structure Jonathan Westhoff Chief Executive Mark Gibbard Group Finance Director Andrew Jones Group Risk Director Andy Conroy Divisional Director, Finance Tom Lynch Divisional Director Treasury & Capital Management Ian Kilmartin Divisional Director, Business Transformation Paul Field Divisional Director, Operations Peter Southcott Divisional Director, Credit Management Richard Hopwood Divisional Director, Distribution Stephen Leonard Divisional Director, Marketing & E-Commerce David Barton Head of Structured Finance Peter Jones Head of Assets & Liabilities Peter Collingridge Head of I.T. Chris Miller Head of Commercial Lending Patrick Pryce Operations Director WBC Jacqui Randle Head of H.R. Neil Noakes Head of Risk & Compliance Manjit Hayre Head of Credit Risk John McErlean Head of Internal Audit 8 West Brom June 2011
9 Financial Performance 9 West Brom June 2011
10 Key highlights 2011 Core Tier 1 ratio strengthened from 11.8% to 12.8%, one of the strongest amongst UK banks and building societies. Retail savings inflows of 1.9bn, attracting some 29,500 new savers; residential mortgages covered 1.22 times by retail deposits. Net interest margin increased from 0.30% to 0.43%. Reduction in credit impairment charges, down 18%. Liquidity maintained at levels comfortably above the Society s Individual Liquidity Guidance. Further reduction in the post tax loss for the financial year to 10.4m (2009/10: 17.0m). Return to profit at the operating level, at 9.3m. 10 West Brom June 2011
11 Performance overview Continuing operations Year to 31 March Total loss before tax Net losses/(gains) from fair value volatility Gains from sale of financial instruments FSCS levy charge/(release) Restructuring costs Discontinued operations Underlying loss before tax on continuing operations 2011 (13.8) 9.1 (15.6) (15.6) 2010 (24.3) (2.7) (3.8) (5.4) (25.8) 11 West Brom June 2011
12 Overview by business division Group Year to 31 March Retail Commercial (15.7) (23.3) Property (1.7) 0.2 Intercompany adjustments (0.2) 1.1 Loss before tax on continuing operations (13.1) (18.5) Mortgage broking (discontinued operations) (0.7) (5.8) Total Group loss before tax (13.8) (24.3) 12 West Brom June 2011
13 Net interest margin 1.00% 0.93% 0.87% 0.86% 0.80% 0.71% 0.60% % 0.40% 0.20% 0.30% 0.43% 0.00% Year to 31 March 13 West Brom June 2011
14 Other income (non margin) Year to 31 March 14 West Brom June 2011
15 Management expenses ratio 0.80% 0.70% 0.60% 0.50% % 0.40% 0.30% 0.20% 0.10% 0.00% 0.74% 0.69% 0.64% 0.58% 0.53% 0.52% Year to 31 March 15 West Brom June 2011
16 Group arrears As at 31 March 2011 Total balances As at 31 March 2010 As at 31 March months + % As at 31 March 2010 Prime 1, , % 1.02% Buy-to-let 2, , % 1.04% Acquired portfolios and other % 5.44% 2 nd charge lending % 4.49% Total 4, , % 1.55% 16 West Brom June 2011
17 Impairment provisions Year to 31 March Group Commercial Residential Total At 1 April Amounts written-off (6.2) (3.4) (9.6) Charge for the year As at 31 March Year to 31 March Group Commercial Residential Total At 1 April Amounts written-off (7.9) (10.9) (18.8) Charge for the year As at 31 March West Brom June 2011
18 Impairments % % % 3.00% 30 % % 1.00% As at 31 March 0.00% -1.00% Residential Charge Commercial Charge % provisions Residential % Provisions Commercial 18 West Brom June 2011
19 Group total assets 12.0 bn As at 31 March Retail Commercial Other 19 West Brom June 2011
20 Funding & Capital 20 West Brom June 2011
21 Retail balances bn As at 31 March 21 West Brom June 2011
22 Retail balances Retail balances and % of average funding (RHS) % % 80% % % bn 50% % % % % 10% As at 31 March 0% 22 West Brom June 2011
23 Non-retail balances and ratio % % % % bn % % % 10% 0.5 5% As at 31 March 0% Wholesale balances Ratio 23 West Brom June 2011
24 Liquid assets and ratio % % % bn 15% % % 0.5 5% As at 31 March 0% Liquid assets Liquidity ratio 24 West Brom June 2011
25 Non-retail funding sources Non-retail funding sources 2011 () Non-retail funding sources 2010 () Repo and other secured agreements Certificates of deposit Deposits Medium term notes Repo and other secured agreements Certificates of deposit Deposits Medium term notes 25 West Brom June 2011
26 Buffer liquidity % % Buffer liquidity - Bank of England Reserve % 7.7 1% - Treasury Bills % % -Gilts % % Total buffer liquidity % % Other securities rated single A or better % % Other securities rated less than single A % % Subsidiary / other liquidity % % Total liquidity 1, % 1, % 26 West Brom June 2011
27 Capital Basel ll Tier 1 ratios 20% 15% 10% 5% 7.60% 6.80% 11.80% 12.80% 0% Tier 1 Core Tier 1 27 West Brom June 2011
28 Capital As at 31 March Regulatory capital Tier 1 General reserves Permanent interest bearing shares Profit participating deferred shares Deductions from Tier 1 capital Tier 2 Revaluation reserve Collective impairment allowance Deductions from Tier 2 capital Total capital 2011 Basel II Standardised (13.3) (8.7) Basel II Standardised (12.1) (4.9) West Brom June 2011
29 Capital As at 31 March Risk weighted assets Pillar 1 Credit risk -Retail mortgages -Commercial loans -Treasury -Other assets Market risk Operational risk Key capital ratios Core Tier 1 (%) Tier 1 ratio (%) Total capital (%) 2011 Basel II Standardised 1, , , Basel II Standardised 1, , , West Brom June 2011
30 Society ratings Short Long Outlook Moody s P-3 Baa3 Stable (RuR) Fitch F3 BBB- Negative 30 West Brom June 2011
Basel II Pillar 3 Disclosures
the West Brom Basel II Pillar 3 Disclosures for the year ended 31 March 1 Contents Section 1 Overview 3 Background 3 Basis and frequency of disclosure 3 Location and verification 3 Scope 3 Section 2 Risk
Skipton Building Society
Half-Yearly Financial Report 2015 2 Skipton Building Society Contents Group Chief Executive s Review of the Half Year 4 Business Review 6 Condensed Consolidated Income Statement 16 Condensed Consolidated
Co-operative Financial Services
Co-operative Financial Services Capital Markets Presentation 23 April 2007 Agenda David Anderson, Chief Executive, CFS Balanced Scorecard John Reizenstein, Chief Financial Officer, CFS Performance Paul
Coventry Building Society has today announced its results for the year ended 31 December Highlights include:
26 February 2016 COVENTRY BUILDING SOCIETY REPORTS STRONG RESULTS Coventry Building Society has today announced its results for the year ended 31 December 2015. Highlights include: Robust financial performance
Officers and professional advisers 1. Chairman s statement 2. Chief Executive s statement 3. Business review 4
Clydesdale Bank PLC Interim financial report For the six months ended 31 March 2013 Contents Officers and professional advisers 1 Chairman s statement 2 Chief Executive s statement 3 Business review 4
Half-Yearly Financial Report 2012
Half-Yearly Financial Report 2012 skipton.co.uk MY BUILDING SOCIETY Contents Group Chief Executive s Review of the Half Year 4 Business Review 6 Condensed Consolidated Income Statement 12 Condensed Consolidated
RECORD LENDING AND INCREASED CUSTOMER NUMBERS AS SKIPTON BUILDING SOCIETY REPORTS ANOTHER STRONG YEAR
PRESS RELEASE Wednesday 1 March 2017 RECORD LENDING AND INCREASED CUSTOMER NUMBERS AS SKIPTON BUILDING SOCIETY REPORTS ANOTHER STRONG YEAR Skipton Building Society today announces its annual results for
Nationwide Building Society. Interim Management Statement Q1 2017/18
Nationwide Building Society Interim Management Statement Q1 2017/18 11 August 2017 Nationwide Building Society today publishes its Interim Management Statement covering the period from 5 April 2017 to
APRA BASEL III PILLAR 3 DISCLOSURES
APRA BASEL III PILLAR 3 DISCLOSURES QUARTER ENDED 31 MAY 2017 1 26 July 2017 This report has been prepared by Bank of Queensland Limited (Bank or BOQ) to meet its disclosure requirements under the Australian
PRESS RELEASE Wednesday 27 July 2016 INTERIM RESULTS: SKIPTON DELIVERS ANOTHER STRONG PERFORMANCE
PRESS RELEASE Wednesday 27 July 2016 INTERIM RESULTS: SKIPTON DELIVERS ANOTHER STRONG PERFORMANCE Skipton Building Society today publishes its interim results covering the six month period from 1 January
BATH BUILDING SOCIETY
BATH BUILDING SOCIETY Pillar 3 Disclosure Document Index Page 1. Introduction 3 2. Risk management policies and objectives 5 3. Main Board and committee structure 10 4. Capital resources and capital ratios
Interim Financial Report
Interim Financial Report 2014 CHIEF EXECUTIVE INTRODUCTION I am pleased to introduce a strong set of Interim Results. During the first half of 2014, we increased our membership, mortgage lending and market
Nationwide Building Society. Interim Management Statement Q3 2017/18
Nationwide Building Society Interim Management Statement Q3 /18 9 February 2018 Nationwide Building Society today publishes its Interim Management Statement covering the period from 5 April to 31 December
BMCE BANK INTERNATIONAL plc PILLAR 3 DISCLOSURES FOR THE YEAR Company Registration N (England and Wales)
BMCE BANK INTERNATIONAL plc PILLAR 3 DISCLOSURES FOR THE YEAR 2015 Company Registration N 5321714 (England and Wales) Pillar 3 Disclosures This is unaudited information A. Ratios The following disclosures
Nationwide Building Society
Nationwide Building Society Preliminary Results Announcement For the year ended 4 April Page 1 CONTENTS Highlights 3 Financial Summary 5 Page Chief Executive s review Business review 6 10 Responsibility
APRA Basel III Pillar 3 Disclosures
APRA Basel III Pillar 3 Disclosures Quarter ended 31 May 2018 24 July 2018 This report has been prepared by Bank of Queensland Limited (Bank or BOQ) to meet its disclosure requirements under the Australian
Skipton Building Society. Half-Yearly Financial Report
Skipton Building Society Half-Yearly Financial Report 2014 2 Skipton Building Society Contents Group Chief Executive s Review of the Half Year 4 Business Review 8 Condensed Consolidated Income Statement
The Co-operative Financial Services 2010 annual results. 30 March 2011
The Co-operative Financial Services 2010 annual results 30 March 2011 This presentation may include "forward-looking statements". Such statements contain the words "anticipate", "believe", "intend", "estimate",
Glossary. for the Annual Report and Accounts 2018
Glossary for the Annual Report and Accounts 2018 1 Glossary Additional Tier 1 (AT1) capital Additional Tier 1 (AT1) securities Arrears Asset backed securities (ABS) Available for sale (AFS) Bank levy Banking
Westpac New Zealand Limited Disclosure Statement. For the three months ended 31 December 2016
Westpac New Zealand Limited Disclosure Statement For the three months ended 31 December 2016 Contents General information and definitions... 1 Limits on material financial support by the ultimate parent
CAPITAL REQUIREMENTS DIRECTIVE PILLAR 3 DISCLOSURE DOCUMENT
CAPITAL REQUIREMENTS DIRECTIVE PILLAR 3 DISCLOSURE DOCUMENT 31 ST MARCH 2014 CONTENTS Paragraph Introduction 1-6 Risk Management Objectives and Policies 7-23 Capital Resources 24-26 Capital Adequacy Assessment
Nottingham Building Society
Page 2 Contents 02 IFRS results 11 Condensed consolidated cash flow statement 03 Chief Executive introduction 12 Notes to the interim financial report 04 Interim business and financial review 22 Responsibility
Nottingham Building Society. Basel II - Pillar 3 Disclosures 2012
Nottingham Building Society Basel II - Pillar 3 Disclosures 2012 1 Contents 1. Overview 1.1 Background 1.2 Basis and Frequency of Disclosures 1.3 Location and Verification 1.4 Scope of Application Page
Aldermore Bank Plc. Pillar 3 Disclosures
Aldermore Bank Plc Pillar 3 Disclosures December 31 2010 Contents 1. Introduction... 2 2. Scope... 2 3. Risk Management... 3 3.1 Risk Management Objectives... 3 3.2 Principal Risks... 3 3.3 Risk Appetite...
Covered Bond Investor Presentation. March 2012
Covered Bond Investor Presentation March 2012 1 Contents Page 3 Page 10 Page 15 Page 20 Page 25 Appendix I Appendix II Business Overview Funding and Liquidity Portfolio Review UK Housing Market Covered
1. Purpose Frequency and Basis of Disclosures Overview Risk Management Objectives and Policies 5
PILLAR 3 DISCLOSURE DOCUMENT June 2013 CONTENTS PAGE 1. Purpose 3 1.1 Frequency and Basis of Disclosures 3 2. Overview 4 3. Risk Management Objectives and Policies 5 4. Risk Management Framework 6 4.1
CAPITAL REQUIREMENTS DIRECTIVE PILLAR 3 DISCLOSURE DOCUMENT 31 ST MARCH P a g e
CAPITAL REQUIREMENTS DIRECTIVE PILLAR 3 DISCLOSURE DOCUMENT 31 ST MARCH 2017 1 P a g e CONTENTS Page 1. Introduction 3 2. Risk Management Objectives and Policies 3-7 3. Capital Resources 7 4. Capital Adequacy
Westpac New Zealand Limited Disclosure Statement. For the nine months ended 30 June 2016
Westpac New Zealand Limited Disclosure Statement For the nine months ended 30 June 2016 Contents General information and definitions...1 Limits on material financial support by the ultimate parent bank...1
Interim financial report.
Interim financial report. Clydesdale Bank PLC. For the six months ended 31 March 2012. Company Number: SC001111. This page has been left blank intentionally. Clydesdale Bank PLC. Interim financial report.
For personal use only APRA BASEL III. Capital Structure 2. Table 3: Capital Adequacy 3. Table 4: Credit Risk 4. Table 5: Securitisation Exposures 6
APRA BASEL III Pillar 3 Disclosures QUARTER ENDED 31 AUGUST 2016 6 October 2016 This report has been prepared by Bank of Queensland Limited (Bank or BOQ) to meet it s disclosure requirements under the
APRA Basel III Pillar III Disclosures
APRA Basel III Pillar III Disclosures Quarter ended 31 August 2017 12 October 2017 This report has been prepared by Bank of Queensland Limited (Bank or BOQ) to meet its disclosure requirements under the
Australia and New Zealand Banking Group Limited - New Zealand Branch Disclosure Statement
Australia and New Zealand Banking Group Limited - New Zealand Branch Disclosure Statement FOR THE THREE MONTHS ENDED 31 DECEMBER 2013 NUMBER 21 ISSUED FEBRUARY 2014 Australia and New Zealand Banking Group
Interim Financial Report
Interim Financial Report for the 6 months ended 27 July Bradford & Bingley plc Interim financial report for the 6 months ended Highlights Underlying profit before tax up 9% to 164.2m (1H : 150.2m) Statutory
Westpac New Zealand Limited. Disclosure Statement
Westpac New Zealand Limited Disclosure Statement For the three months ended 31 December 2017 Contents General information... 1 Directors statement... 2 Income statement... 3 Statement of comprehensive
Annual Results Presentation. For the year ended 4 April 2017
Annual Results Presentation For the year ended 4 April 2017 Highlights A STRONG SOCIETY, MANAGING PROFITS FOR MEMBERS Maintaining our financial strength: 3 rd year with profits over 1bn Balancing profitability
Annual report & consolidated financial statements
Annual report & consolidated financial statements Clydesdale Bank PLC For the year ended 30 September Company Number: SC001111 Clydesdale Bank PLC Annual report and consolidated financial statements For
Pillar 3 Disclosures. 31 December 2013
Pillar 3 Disclosures 31 December 2013 Contents 1. Overview... 3 1.1 Background... 3 1.2 Scope of application... 3 1.3 Basis and frequency of disclosures... 3 1.4 External audit... 3 2. Risk Management
CYBG PLC PRELIMINARY FINANCIAL RESULTS
CYBG PLC PRELIMINARY FINANCIAL RESULTS Strategic progress David Duffy Chief Executive Officer CLEAR STRATEGIC DIRECTION Sustainable customer growth DRIVING REVENUE / COST JAWS 75% 74% 67% 964 989 1,016
Capital Requirements Directive. Pillar 3 Disclosures
Capital Requirements Directive Pillar 3 Disclosures For the year ended 31 August 2016 INDEX Page INTRODUCTION 2 RISK MANAGEMENT POLICIES AND OBJECTIVES 3 CAPITAL ADEQUACY ASSESSMENT, CAPITAL RESOURCES
Arbuthnot Banking Group PLC
Arbuthnot Banking Group PLC 2015 YEAR END RESULTS 17 March 2016 2015 Year End Review ANDREW SALMON Chief Operating Officer JAMES COBB Group Finance Director Key Messages PAGE 3 Diversification of business
APRA Basel III Pillar 3 Disclosures
APRA Basel III Pillar 3 Disclosures Quarter ended 28 February 2018 17 April 2018 This report has been prepared by Bank of Queensland Limited (Bank or BOQ) to meet its disclosure requirements under the
Pillar 3 Capital Adequacy and Risk Disclosures
Pillar 3 Capital Adequacy and Risk Disclosures Quarterly Update as at 30 September 2018 Introduction Rabobank Australia Limited ( the Bank ) is an Authorised Deposit-taking Institution ( ADI ) subject
Fact Book January June 2011
Fact Book January June STOCKHOLM 14 JULY SEB Fact Book January June N Table of contents Table of contents...2 About SEB...3 SEB history...3 Financial targets...3 Organisation...4 Corporate Governance...5
12 November M2015 Financial Results
12 November 2015 9M2015 Financial Results Forward Looking Statements Important information All information contained in this presentation should be regarded as preliminary and based on company data available
BASEL II PILLAR III DISCLOSURE
BASEL II PILLAR III DISCLOSURE Page 1 1. SCOPE AND APPLICATION Ithala Limited is a wholly owned subsidiary of Ithala Development Finance Corporation Limited. Ithala Development Finance Corporation Limited
Reliance Bank Limited. Pillar 3 Disclosures
Version 1.2 Contents 1 Introduction... 2 2 Capital Resources... 2 3 Approach to Assessing Adequacy of Internal Capital... 2 4 Credit Risk and Dilution Risk... 3 4.1 Standardised Approach to Credit Risk...
Pillar 3 Capital Adequacy and Risk Disclosures
Pillar 3 Capital Adequacy and Risk Disclosures Quarterly Update as at 30 June 2018 Introduction Rabobank Australia Limited ( the Bank ) is an Authorised Deposit-taking Institution ( ADI ) subject to regulation
DARLINGTON BUILDING SOCIETY CAPITAL REQUIREMENTS DIRECTIVE
DARLINGTON BUILDING SOCIETY CAPITAL REQUIREMENTS DIRECTIVE PILLAR 3 DISCLOSURE DOCUMENT AS AT 31 st DECEMBER 2016 CONTENTS Section Title 1 Introduction 2 Risk Management Objectives and Policies 3 Capital
Southland Building Society
Disclosure Statement For the three months ended 30 June 2014 Number 25 Issued August 2014 Disclosure Statement for the three months ended 30 June 2014 Contents Page General Information 3 Guarantee Arrangements
CYBG PLC INTERIM FINANCIAL RESULTS
CYBG PLC INTERIM FINANCIAL RESULTS Strategic progress David Duffy Chief Executive Officer S T R O N G P R O G R E S S I N D E L I V E R I N G O U R S T R AT E G Y Building a bank fit for the Sustainable
Presentation of Half Year Results 13 February
Presentation of Half Year Results 13 February 2001 www.commbank.com.au Disclaimer The material that follows is a presentation of general background information about the Bank s activities current at the
Bank of Ireland presentation February 2015
Bank of Ireland presentation February 2015 Forward-looking statement This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934
Pillar 3 Disclosures Year ended 31 st December 2017
Pillar 3 Disclosures Year ended 31 st December 2017 1 Contents 1. Introduction 3 2. Board and Committee structure 3 3. Capital resources 4 4. Capital requirements 4 5. Key risks 5 6. Directors 9 2 1. Introduction
Interim Financial Report. 30 June 2018
Interim Financial Report 2018 1 Chief Executive Officer s Review I am pleased to report Leeds Building Society has delivered strong performance, financial strength and membership growth in the first half
Basel II Pillar 3 Disclosure As at 30 June Overview
Basel II Pillar 3 Disclosure As at Overview The Royal Bank of Scotland Berhad and its subsidiaries (collectively the Group ) adopted the Standardised Approach in determining the capital requirements for
Interim Results Announcement For the half-year to 30 September th November 2006
Interim Results Announcement For the half-year to 30 September 2006 16 th November 2006 Forward Looking Statement 2 This document contains certain forward-looking statements as defined in the US Private
For personal use only
Westpac New Zealand Limited Disclosure Statement For the three months ended 31 December 2012 Index 1 General information and definitions 1 Limits on material financial support by the Ultimate Parent Bank
Interim Financial Report. 30 June 2016
Interim Financial Report 2016 CHIEF EXECUTIVE OFFICER S INTRODUCTION I am pleased to report another strong set of financial results driven by further growth in mortgage lending and a reduction in impairment
INTERIM REPORT NYKREDIT REALKREDIT GROUP 1 JANUARY 30 SEPTEMBER 2014
To NASDAQ OMX Copenhagen A/S and the press 6 November 2014 INTERIM REPORT NYKREDIT REALKREDIT GROUP 1 JANUARY 30 SEPTEMBER 2014 Michael Rasmussen, Group Chief Executive, comments on Nykredit's Q1-Q3 Interim
CYBG PLC INTERIM FINANCIAL RESULTS
CYBG PLC INTERIM FINANCIAL RESULTS Strategic progress David Duffy Chief Executive Officer STRONG PROGRESS IN DELIVERING OUR STRATEGY Building a bank fit for the future Sustainable customer growth Capital
Nottingham Building Society. Pillar 3 Disclosures
Nottingham Building Society Pillar 3 Disclosures 31 December 2017 Contents 1. Overview...4 1.1. Background...4 1.2. Basis and Frequency of Disclosures...4 1.3. Location and Verification...4 1.4. Scope
Investec plc Q and A fact sheet
Investec plc Q and A fact sheet 218 1 Overview of Investec and Investec plc Investec is an international specialist bank and asset manager that provides a diverse range of financial products and services
Westpac New Zealand Limited Disclosure Statement. For the three months ended 31 December 2014
Westpac New Zealand Limited Disclosure Statement For the three months ended 31 December 2014 Contents 1 General information and definitions 1 Directors 1 Credit ratings 1 Guarantee arrangements 1 Pending
APRA BASEL III PILLAR 3 DISCLOSURES
APRA BASEL III PILLAR 3 DISCLOSURES Quarter ended 31 August 2018 4 October 2018 This report has been prepared by Bank of Queensland Limited (Bank or BOQ) to meet its disclosure requirements under the Australian
Annual Report and Accounts 2009
Annual Report and Accounts Most trusted savings provider Source: Marketing Sciences (March )* * Source: Marketing Sciences (March ), respondents answering on which financial provider they would most trust
Westpac New Zealand Limited Disclosure Statement. For the nine months ended 30 June 2013
Westpac New Zealand Limited Disclosure Statement For the nine months ended 30 June 2013 Index 1 General information and definitions 1 Limits on material financial support by the Ultimate Parent Bank 1
SUMMARY FINANCIAL STATEMENT
SUMMARY FINANCIAL STATEMENT 2013 Summary Financial Statement 2013 The directors are pleased to present the Summary Financial Statement for the year ended 31 December 2013. Summary Directors Report Prescribed
Capital Requirements Directive. Pillar 3 Disclosures. Vernon Building Society Pillar 3 Disclosures - 31 December 2017 Page 1
+ Capital Requirements Directive Pillar 3 Disclosures 31 December 2017 Vernon Building Society Pillar 3 Disclosures - 31 December 2017 Page 1 Contents 1. Overview... 3 2. Risk Management Objectives and
Westpac New Zealand Limited Disclosure Statement. For the nine months ended 30 June 2015
Westpac New Zealand Limited Disclosure Statement For the nine months ended 30 June 2015 Contents 1 General information and definitions 1 Limits on material financial support by the ultimate parent bank
PILLAR III DISCLOSURES
Citigroup Pty Limited PILLAR III DISCLOSURES Citigroup Pty Limited Consolidated Group Capital Adequacy and Risk disclosures 31 December 2017 Incorporating the implementation of Basel III and the requirements
AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED - ANZ NEW ZEALAND REGISTERED BANK DISCLOSURE STATEMENT
AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED - ANZ NEW ZEALAND REGISTERED BANK DISCLOSURE STATEMENT FOR THE NINE MONTHS ENDED 30 JUNE 2017 NUMBER 35 ISSUED AUGUST 2017 Australia and New Zealand Banking
Pillar 3 Capital Adequacy & Risk Disclosure
Pillar 3 Capital Adequacy & Risk Disclosure Contents Capital adequacy 2 Credit risk 3 Securitisation 6 Liquidity coverage ratio 7 1 ING Bank (Australia) Limited, trading as ING, is an Authorised Deposit-taking
Capital Requirements Directive Pillar 3 Disclosures For the year ended 31 August 2017
Capital Requirements Directive Pillar 3 Disclosures For the year ended 31 August 2017 Contents INTRODUCTION... 2 RISK MANAGEMENT POLICIES AND OBJECTIVES... 3 BOARD & SUB-COMMITTEES... 3 THREE LINES OF
Total impairment losses on bank and mortgage lending have declined slightly albeit with an upward trend in the mortgage area.
To NASDAQ OMX Copenhagen A/S and the press 19 May 2010 Q1 INTERIM REPORT THE NYKREDIT REALKREDIT GROUP 1 JANUARY 2010 31 MARCH 2010 RESULTS The Group, excluding Nykredit Forsikring, recorded a profit before
Teachers Building Society Pillar 3 Disclosure. For the year ended 31 December 2018
2018 Teachers Building Society Pillar 3 Disclosure For the year ended 31 December 2018 Contents 1. Overview... 3 2. Risk Management Framework... 4 3. Risk management policies and objectives... 7 3.1 Strategies
Nationwide Building Society. Interim Results For the period ended 30 September 2013
Nationwide Building Society Interim Results For the period ended 30 September CONTENTS Page Financial summary 5 Chief Executive s review 6 Business review 10 Risk Management Report 34 Interim financial
Bank of Queensland Full year results 31 August Bank of Queensland Limited ABN AFSL No
Bank of Queensland Full year results 31 August 2013 Bank of Queensland Limited ABN 32 009 656 740. AFSL No 244616. Agenda Result overview Stuart Grimshaw Managing Director and CEO Financial detail Anthony
Nottingham Building Society. Pillar 3 Disclosures
Nottingham Building Society Pillar 3 Disclosures 31 December 2018 Contents 1. Overview... 4 1.1. Background... 4 1.2. Basis and frequency of disclosures... 4 1.3. Location and verification... 4 1.4. Scope
Group Performance Review
Group Performance Review The environment in which the group operates remained challenging in 2009 for our customers and our business, with continuing low levels of economic activity and weak consumer confidence.
SUMITOMO MITSUI BANKING CORPORATION MALAYSIA BERHAD (Incorporated in Malaysia)
(Incorporated in Malaysia) S 1. OVERVIEW The Pillar 3 Disclosure for financial reporting beginning 1 January 2010 is introduced under the Bank Negara Malaysia's Risk-Weighted Capital Adequacy Framework
Half Year Results for the Six Months to 31 January 2019
Close Brothers Group plc T +44 (0)20 7655 3100 10 Crown Place E enquiries@closebrothers.com London EC2A 4FT W www.closebrothers.com Registered in England No. 520241 Half Year Results for the Six Months
Siam Commercial Bank PCL
Siam Commercial Bank PCL CLSA Investors Forum 2011 September 2011 1. Agenda Review of Result 2Q11 Page 3-17 2. Going Forward 19-23 IMPORTANT DISCLAIMER: Information contained in this document has been
Westpac New Zealand Limited Disclosure Statement. For the six months ended 31 March 2013
Westpac New Zealand Limited Disclosure Statement For the six months ended 31 March 2013 Index 1 General information and definitions 1 Limits on material financial support by the Ultimate Parent Bank 1
Merrill Lynch Dublin Conference
Merrill Lynch Dublin Conference Property and Construction in Ireland 14 th June 2007 Forward-looking statement 2 This document contains certain forward-looking statements within the meaning of Section
SUMITOMO MITSUI BANKING CORPORATION MALAYSIA BERHAD (Company No U) (Incorporated in Malaysia)
1. OVERVIEW The Pillar 3 Disclosure for financial reporting beginning 1 January 2010 is introduced under the Bank Negara Malaysia's Risk-Weighted Capital Adequacy Framework ("RWCAF"), which is the equivalent
DISCLOSURE STATEMENT FOR THE NINE MONTHS ENDED 31 DECEMBER 2017
DISCLOSURE STATEMENT FOR THE NINE MONTHS ENDED 31 DECEMBER 2017 PAGE 1 TABLE OF CONTENTS 2 3 4 5 6 16 17 PAGE 2 INCOME STATEMENT Note 31/12/2016 Interest income 99,912 90,714 Interest expense (58,454)
SUMITOMO MITSUI BANKING CORPORATION MALAYSIA BERHAD (Company No U) (Incorporated in Malaysia)
1. OVERVIEW The Pillar 3 Disclosure for financial reporting beginning 1 January 2010 is introduced under the Bank Negara Malaysia's Risk-Weighted Capital Adequacy Framework ("RWCAF"), which is the equivalent
Basel II Pillar 3 Disclosure
Basel II Pillar 3 Disclosure 230 Overview 231 1.0 Scope of Application 231 2.0 Capital 2.1 Capital Adequacy Ratios 2.2 Capital Structure 2.3 Risk-Weighted Assets and Capital Requirements 238 3.0 Credit
SUMITOMO MITSUI BANKING CORPORATION MALAYSIA BERHAD (Company No U) (Incorporated in Malaysia)
31 March 2016 1. OVERVIEW The Pillar 3 Disclosure for financial reporting beginning 1 January 2010 is introduced under the Bank Negara Malaysia's Risk-Weighted Capital Adequacy Framework ("RWCAF"), which
Table of Contents. For further information contact: Investor Relations Warwick Bryan Phone: Facsimile: com.
Basel II Pillar 3 Capital Adequacy and Risk Disclosures as at 31 December 2008 Table of Contents 1. Introduction... 3 2. Scope of application... 4 3. Capital and Risk Summary... 5 3.1 Capital... 6 3.2
COMMERCIAL BANK OF QATAR
COMMERCIAL BANK OF QATAR Financial Results For the Quarter ended 31 March 2013 18 April 2013 Forward Looking Statements This presentation and subsequent discussion may contain certain forward-looking statements
Australia and New Zealand Banking Group Limited New Zealand Branch Disclosure Statement
Australia and New Zealand Banking Group Limited New Zealand Branch Disclosure Statement FOR THE NINE MONTHS ENDED 30 JUNE 2011 NUMBER 11 ISSUED AUGUST 2011 Australia and New Zealand Banking Group Limited
Basel II Pillar 3 Disclosure As at 30 June Overview
Basel II Pillar 3 Disclosure As at Overview The Royal Bank of Scotland Berhad and its subsidiaries (collectively the Group ) adopted the Standardised Approach in determining the capital requirements for
NEWS RELEASE YORKSHIRE BUILDING SOCIETY ANNOUNCES STRONG 2017 ANNUAL RESULTS
NEWS RELEASE Thursday, 01 March 2018 YORKSHIRE BUILDING SOCIETY ANNOUNCES STRONG 2017 ANNUAL RESULTS Yorkshire Building Society Group has today announced a strong financial performance for 2017, as it
Presentation to Tier 1 Investors April 2005
Presentation to Tier 1 Investors April 2005 Michael Oliver Director of Investor Relations John Gillbe Group Capital and BSM Director Overview of Lloyds TSB Group plc 3 businesses* UK Retail Banking: GBP
Building Societies Database kpmg.co.uk
Building Societies Database 2014 kpmg.co.uk 2 Building Societies Core Statistics 2014 Contents Foreword Richard Gabbertas 1 Sector Performance Matthew Rowell 2 Market Outlook Simon Walker 8 Tables Peer
Third Quarter 2018 Financial Results Conference Call. August 30 th, 2018
Third Quarter 2018 Financial Results Conference Call August 30 th, 2018 Presenters Agenda Performance highlights and strategic execution Chris Fowler, President & CEO Performance highlights Execution of
RHB Investment Bank Berhad Basel II Pillar 3 Quantitative Disclosures. 30 June 2017
RHB Investment Bank Berhad Basel II Pillar 3 Quantitative Disclosures 30 June 2017 Contents Page(s) Statement by Chief Executive Officer 2 Introduction 3 Scope of Application 3 List of Tables Table No
RHB Bank Berhad. Basel II Pillar 3 Quantitative Disclosures 30 th June 2011 Consolidated basis
RHB Bank Berhad Basel II Pillar 3 Quantitative Disclosures 30 th June 2011 Consolidated basis RHB Bank Group Basel II Pillar 3 Quantitative Disclosures 30 th June 2011 Pillar 3 Disclosure Contents Page
Interim Results Announcement for the period ended 30 September 2006
Interim Results Announcement for the period ended 30 September 2006 IFRS Underlying Results These interim results have been prepared using International Financial Reporting Standards ('IFRS'). Where appropriate,