%%EOF Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240. In addition, The Royal Bank of Scotland Group plc appointed Ernst & Young LLP to provide limited independent assurance over selected sustainability content marked with (*) within the Strategic Report, as at and for the year ended 31 December 2019. Except as required by any applicable law or regulation, the forward looking statements contained in this document are made as of today's date, and the Group expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward looking statements contained in this document to reflect any change in the Group's expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is based. h��T�oSU?������9I;̨��@j���f_�F��m�b�=�n!Mdc˦X�Hp�&��jL����m�0�i�?�$��s�k�_����s?�|>��{� ,o�`�X�~� f p��)a����)�m��E�k�I��D+T�Ƞ�tV� `3�'���#U7gb�~s���٩;���랻�����NL�:V��xI_`S��œ��S��z���=��"��a�=rf�궯Ɵ }{j���7��:�z������0�U��t�T#�0�W?,6Zk���������������}Sz{��J÷������{�����D[iNǽq��������K�\�O�eu�aWyf����}��/��_ȷ������x'�wIa�n�к����ׅ]�;]}�}F6��"���C|m&�l����TGv����LJ�d��h���Қ+Gr���S���S~�����1g3 ��/��VmZ�(��JN��@� �K�&1i|��hzcc��8^ֽڄ"�Nd�����΋��f��� Annual Report - 2007 Banif Bank (Malta) p.l.c. Statements that are not historical facts, including statements about the Group's or its directors' and/or management's beliefs and expectations, are forward looking statements. Barclays Bank UK PLC Annual Report 2019 (PDF 2.3MB) Barclays PLC Strategic Report 2019 (PDF 2.2MB) Barclays Pay Gaps Report 2019 (PDF 2.4MB) Barclays Fair Pay Report 2019 (PDF 6.4MB) Barclays PLC Country Snapshot 2019 (PDF 1.3MB) Barclays PLC Pillar 3 Report 2019 (PDF 3.7MB) Barclays Bank UK PLC Pillar 3 Report 2019 (PDF 2.4MB) Barclays PLC Pillar 3 Disclosures Terms and Conditions (PDF 270KB) Barclays PLC Form 20-F 2019 (PDF 10.3MB) Barclays Bank PLC Form 20-F 2019 … Helping Britain Recover: annual report and accounts 2020. The names of the 320 banks that had adopted the Code as at 31 March 2019 … Australia. In a challenging market RBS has exceeded all of its 2019 financial targets: cost reduction above target; net lending growth ahead of target; RWAs below guidance; and 22 pence of total distributions to shareholders in 2019, while maintaining a CET1 ratio of 16.2%. It covers the Group’s business activities during the financial year and provides a glimpse into the business prospects. Organisational Overview; ... 2019 and 2020; Independent Auditors’ Report; Financial Statements Highlights – Bank; Financial Statements – Table of Content; ... our 51st Annual Report . 0 2019 17 Mar 2020, 07:00 Bank of Georgia Group PLC Annual Report 2019 Download. The Royal Bank of Scotland Group plc - Annual report 2019. This included making a material adjustment to our Risk Weighted Assets (‘RWA’), periods of net deposit outflows and a delayed senior MREL issuance. -END- The Royal Bank of Scotland Group plc - Annual report 2019Related Content. Please refer to the latest Annual Report or Form 20-F filed by Lloyds Banking Group plc with the US Securities and Exchange Commission for a discussion of certain factors and risks together with examples of forward looking statements. Annual Report Financial Statements James Grech Director NED Appointed to the Board in 2004 till 2008. We have made good progress in the year and we are on track to deliver our objectives. Bank of scotland plc Annual Report and Accounts for the year endED 31 December 2019 In accordance with Listing Rule 9.6.1, Bank of Scotland plc has submitted today the above document to the National Storage Mechanism. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. RBS Group. Welcome to the Annual Report and Accounts for the year ended December 31, 2019. End of Document. This is the eleventh such report, and covers the Bank’s activities from 1 March 2019 to 29 February 2020 (the Bank’s 2019/20 financial year). The issuer is solely responsible for the content of this announcement. h��XkOI�+�4���%�"����0J�?tp�Xkld7�a��SeC�i�T��֭[�un�J8���FE�A�1F�M˜�Ζ����`0��h�01���1���)� �T���-���8N�����W9�ۑG�������w)v����/����7����b� ���g/_���|�~9����w��=~��B�i?�����K���Ňn������oJ�~��y��Dh9����n�/��{������}^��n��EW�-��"��r�/������vW����հ��ٛ,���r|s}=믰-T�iu�9*yp��p��Pt�G���� �Vr�W��{y8�.W���/>5/t�eKhBZ[6����v��T-nV�w�N7�n�[9��Nq��ɕ����yw���i9�c/��Ia�~���� ��׊*%��n6�؛_�z��x��کj?��%����Xʿ�t�c�w��,_��&�]A���â�l��������褻����9l}��,��3��5�YrP;s��. TSB Bank plc. Appointed as Executive Chairman and Director on 2nd April 2015. Factors that could cause actual business, strategy, plans and/or results (including but not limited to the payment of dividends) to differ materially from forward looking statements made by the Group or on its behalf include, but are not limited to: general economic and business conditions in the UK and internationally; market related trends and developments; fluctuations in interest rates, inflation, exchange rates, stock markets and currencies; any impact of the transition from IBORs to alternative reference rates; the ability to access sufficient sources of capital, liquidity and funding when required; changes to the credit ratings of the Group or any of the Group's immediate or ultimate parent entities (if applicable); the ability to derive cost savings and other benefits including, but without limitation as a result of any acquisitions, disposals and other strategic transactions; the ability to achieve strategic objectives; changing customer behaviour including consumer spending, saving and borrowing habits; changes to borrower or counterparty credit quality; concentration of financial exposure; management and monitoring of conduct risk; instability in the global financial markets, including Eurozone instability, instability as a result of uncertainty surrounding the exit by the UK from the European Union (EU) and as a result of such exit and the potential for other countries to exit the EU or the Eurozone and the impact of any sovereign credit rating downgrade or other sovereign financial issues; political instability including as a result of any UK general election; technological changes and risks to the security of IT and operational infrastructure, systems, data and information resulting from increased threat of cyber and other attacks; natural, pandemic and other disasters, adverse weather and similar contingencies outside the control of the Group or any of the Group's immediate or ultimate parent entities (if applicable); inadequate or failed internal or external processes or systems; acts of war, other acts of hostility, terrorist acts and responses to those acts, geopolitical, pandemic or other such events; risks relating to climate change; changes in laws, regulations, practices and accounting standards or taxation, including as a result of the exit by the UK from the EU, or a further possible referendum on Scottish independence; changes to regulatory capital or liquidity requirements and similar contingencies outside the control of the Group or any of the Group's immediate or ultimate parent entities (if applicable); the policies, decisions and actions of governmental or regulatory authorities or courts in the UK, the EU, the US or elsewhere including the implementation and interpretation of key legislation and regulation together with any resulting impact on the future structure of the Group; the ability to attract and retain senior management and other employees and meet its diversity objectives; actions or omissions by the Group's directors, management or employees including industrial action; changes to the Group's post-retirement defined benefit scheme obligations; the extent of any future impairment charges or write-downs caused by, but not limited to, depressed asset valuations, market disruptions and illiquid markets; the value and effectiveness of any credit protection purchased by the Group; the inability to hedge certain risks economically; the adequacy of loss reserves; the actions of competitors, including non-bank financial services, lending companies and digital innovators and disruptive technologies; and exposure to regulatory or competition scrutiny, legal, regulatory or competition proceedings, investigations or complaints. / Key word(s): Annual Results Full Year 2019 Form 20-F XBRL data files. Economic, Price and Financial System Stability, Outlook and Policies 2. This document contains certain forward looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as amended, and section 27A of the US Securities Act of 1933, as amended, with respect to the business, strategy, plans and/or results of Bank of Scotland plc together with its subsidiaries (the Group) and its current goals and expectations relating to its future financial condition and performance. Annual Report of the Directors on the State of Affairs of Bank of Ceylon 133 Directors' Interest in Contracts 139 Directors' Statement on Internal Control over Financial Reporting 142 By their nature, forward looking statements involve risk and uncertainty because they relate to events and depend upon circumstances that will or may occur in the future. requires the Bank to publish an annual report on the discharge of its functions under the Regulations. In accordance with Listing Rule 9.6.1, Bank of Scotland plc has submitted today the above document to the National Storage Mechanism. Lloyds Banking Group may also make or disclose written and/or oral forward looking statements in reports filed with or furnished to the US Securities and Exchange Commission, Lloyds Banking Group annual reviews, half-year announcements, proxy statements, offering circulars, prospectuses, press releases and other written materials and in oral statements made by the directors, officers or employees of Lloyds Banking Group to third parties, including financial analysts. The document will shortly be available for inspection at http://www.morningstar.co.uk/uk/NSM Strategic Report 3 Bank of Ireland Annual Report 2019 Strategic Report Financial Review Governance Risk Management Report Financial Statements Other Information CET1ratio 13.8% (2018: 13.4%) Further information on measures referred to in our 2019 key performance highlights is found inAlternative performance measures on page 331. Published on 06-Apr-2020. click to open. © 2021 Thomson Reuters. Terms and conditions relating to the use and distribution of this information may apply. Annual Report 2019 Volume I Preliminary Pages List of Acronyms Part I Key Economic Indicators Key Social Indicators Chapters 1. The Royal Bank of Scotland International Limited Annual Report and Accounts 2019 Chairman John Philip Ward Brewster Executive directors Andrew Martin McLaughlin Chief Executive Officer Lynn Ann Cleary Chief Financial Officer Non-executive directors Louis Philip Chetwynd Taylor Joanna Elizabeth Dentskevich (resigned 31 July 2019) Stuart Porteous China. Group Investor Relations Director For further information:Investor Relations You can explore the main chapters and sub-chapters using the navigation bar at the top of the page. Head of Media Relations The information, statements and opinions contained in this document do not constitute a public offer under any applicable law or an offer to sell any securities or financial instruments or any advice or recommendation with respect to such securities or financial instruments. 24 March 2020BANK OF SCOTLAND PLC ANNUAL REPORT AND ACCOUNTSFOR THE YEAR ENDED 31 DECEMBER 2019, In accordance with Listing Rule 9.6.1, Bank of Scotland plc has submitted today the above document to the National Storage Mechanism. During the year ended 31 December 2019, the Lloyds Bank Group recorded a profit before tax of £3,474 million, a reduction of £1,455 million, or 30 per cent, compared with £4,929 million from its continuing operations in 2018. Resource ID w-024-8719. Annual Report and Accounts 2019. download pdf file of Annual Report and Accounts 2019. h�bbd``b`�i@�i%���$����A�.�Ī��@D�� �$�w ��$]@,=��, ��@b�9##�"Fʉ�� �� I 2018 28 Mar 2019, 07:00 Bank of Georgia Group PLC Annual Report 2018 Download. Annual Report - 2008 Asia Pacific. The Board of Directors herewith present the annual report together with the audited financial statements of the Bank: Banif Bank (Malta) p.l.c. During an extraordinarily challenging time we are Helping Britain Recover, as part of our Group purpose of Helping Britain Prosper. Douglas Radcliffe +44 (0)20 7356 1571 ii Bank of Valletta p.l.c. The Bank cautions that the preceding list is not exhaustive of all possible risk factors and other factors could also adversely affect the Bank’s results, for more information, please see the “Risk Management” section of the Bank’s 2020 Annual Report, as may be updated by quarterly reports. 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