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Выбор редакции
21 июля, 15:55

Lloyds under fire over HBOS fraud compensation

Lloyds Banking Group is close to offering compensation to 30 customers - but MPs criticise the bank.

Выбор редакции
21 июля, 10:00

Lloyds compensates only five victims of HBOS fraud scandal

Some of 67 business owners left penniless by Reading scam threaten legal action as bank fails to meet deadline for offersLloyds Banking Group has paid compensation to only five of the 67 victims of the HBOS Reading fraud scandal almost a month after its own deadline for making redress offers for the “utterly corrupt scheme” that left small business owners “cheated, defeated and penniless”.The bank, which was until recently part-owned by the government, said on Friday that just five of its customers had accepted its offers of compensation. It has failed to make any offer to more than half of the victims and the bank’s bosses confirmed that some of the customers were threatening to take the company to court rather than accept any deal. Continue reading...

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17 июля, 09:01

Investors received record-breaking dividends in 2017, research shows

Shareholders in companies on London’s main market received £33.3bn during second quarter, up 14.5% year on yearInvestors are enjoying a stellar 2017, with rising share prices being supplemented by record-breaking dividend payments, new research shows.Shareholders in companies listed on London’s main market received £33.3bn in payments during the second quarter of this year, up 14.5% year on year, according to the latest analysis by Capita, a services company. Continue reading...

13 июля, 08:52

Британский RBS выплатит $5,5 млрд для урегулирования претензий США

Британский Royal Bank of Scotland (RBS) согласился выплатить дополнительно 4,2 миллиарда фунтов стерлингов (5,5 миллиарда долларов) на урегулирование претензий властей США о продаже ипотечных ценных бумаг накануне финансового кризиса 2008-2009 годов, говорится в сообщении банковской группы.

Выбор редакции
12 июля, 02:01

Lloyds Bank brings in single overdraft rate in radical shake-up

All existing charges on 20m accounts to finish in November and be replaced by flat fee of 1p for every £7 overdrawnLloyds Bank is to radically change the way it charges for overdrafts on its 20m accounts, including those at Halifax and Bank of Scotland, in a move it claims will leave most customers better off – although one in 10 could pay significantly more.All existing charges for overdrafts will be abandoned in November and replaced with a single fee of 1p every day for every £7 of overdraft used. Continue reading...

06 июля, 14:41

Frontrunning: July 6

EU, Japan Strike New Trade Deal (WSJ) EU-Japan deal sends anti-protectionist signal before G20: German minister (Reuters) Republican lawmaker Steve Scalise's condition worsens after June shooting (Reuters) The Flashpoints for World Leaders at G-20 Summit (BBG) Leftist protesters vow to disrupt G20 summit in Hamburg (Reuters) Trump Weighs ‘Pretty Severe Things’ for North Korea Over Launch (BBG) China's Xi urges peaceful resolution to North Korea issue (Reuters) How the June Jobs Report Matters for the Fed (El-Erian) At least 123 Venezuelan soldiers detained since protests - documents (Reuters) Can U.S. defend against North Korea? Not all agree (Reuters) How Long Before the U.S. Is in Range? (WSJ) South Korea's Moon says it is time for North Korea to decide: dialogue or not (Reuters) Qatar Airways aims to start buying American Airlines shares 'soon' (Reuters) States May Shackle AT&T, Comcast on Web Data After U.S. Retreat (BBG) Ships Exporting Iranian Oil Go Dark, Raising Sanctions Red Flags (WSJ) CEO-Worker Pay Ratio Generates Outrage—And Some Insight (WSJ) Finance firms need freedom to choose location after Brexit (Reuters) Amazon and Dish Network: A Match in the Making? (WSJ) These U.S. States Still Haven’t Fully Recovered From Recession (BBG)   Overnight Media Digest WSJ - The U.S. Food and Drug Administration suspended two clinical trials and a portion of a third testing Merck & Co Inc's Keytruda as a treatment for blood cancer, after more patients receiving the drug died than those receiving other treatments. on.wsj.com/2tjmQIF - True Religion Apparel Inc filed for Chapter 11 bankruptcy protection after its private equity owner, TowerBrook Capital Partners, struck a deal with lenders on the terms of a debt-for-equity swap that will erase $350 million in debt from the company's books. on.wsj.com/2tMKb6f - After a pair of last-second launch aborts over two days, the third attempt worked for SpaceX as it launched a large commercial communications satellite into orbit without a hitch. on.wsj.com/2tKNX0q - Baidu Inc's executive took a ride in one of his company's self-driving prototypes to Baidu's artificial-intelligence developer conference at the National Convention Center. Chinese news organizations and social media commenters quickly pointed out that driverless cars are not allowed to operate on public streets. on.wsj.com/2uMYrJv - Goldman Sachs Group Inc is seeking to sell a stake in Simon, its web app that sells complex financial products to retail investors and is soliciting investments that would value Simon at about $75 million and lay the groundwork for a spinoff of the business, according to people familiar with the matter. on.wsj.com/2tTqVFk   FT * British payments processor Worldpay Group Plc on Wednesday agreed to be acquired by U.S. rival Vantiv Inc for 9.1 billion pounds ($11.77 billion). ** Volvo Cars said every model from 2019 onwards would have an electric motor, putting electrification at the core of its business. ** Lloyds Banking Group Plc on Wednesday said Andrew Bester, head of commercial bank and a potential successor to Chief Executive Antonio Horta-Osorio, and Simon Davies, who was the legal and strategy officer, would leave the company.   NYT - Volvo Cars said on Wednesday that all the models it introduces from 2019 will be either hybrids or powered solely by batteries. nyti.ms/2tpWEKS - U.S. President Donald Trump, in a series of denunciations of CNN and a video depicting him wrestling it, is "trying to bully us," said CNN President Jeffrey Zucker. nyti.ms/2sIxY3l - Emirates and Turkish Airlines said on Wednesday that they were the latest carriers to have been exempted from an American ban on laptops and other electronic devices in the passenger cabins of flights from eight predominantly Muslim countries. nyti.ms/2srOznX - The Federal Reserve raised interest rates on schedule during the first half of 2017, but its plans for the second half of the year are less clear, according to minutes of the Fed's most recent meeting in June. nyti.ms/2tOyo7E - Japan's office equipment maker Konica Minolta is preparing to announce a $900 million deal to acquire the American testing company Ambry Genetics, according to two people with knowledge of the discussions. nyti.ms/2sOPuht   Britain The Times *Volvo AB is to become the first major car maker to produce only electric and hybrid vehicles. The announcement by the Chinese-owned company will set the pace for the transition of the motor industry from the internal combustion engine to battery driven vehicles.(bit.ly/2urH5mc) *Worldpay Group Plc, Britain's biggest plastic card payments processor, has agreed the terms of a takeover offer from U.S. rival Vantiv Inc to create a global payments giant with a combined market value of more than $20 billion, in a deal that will leave some investors with their fingers burnt. (bit.ly/2trnoLi) The Guardian *Companies that paid staff via "contrived" employee benefit trusts have been urged to come forward, after HM Revenue & Customs scored a landmark victory in a tax avoidance case against the former incarnation of Rangers football club. (bit.ly/2srnbX2) *Sainsbury's has been accused of undermining the Fairtrade movement by experimenting with dropping the ethical mark for its own label tea. A series of shareholders and campaign groups criticised the supermarket group for dropping Fairtrade at its annual meeting in London on Wednesday, in an increasingly fraught exchange with the company's board. (bit.ly/2uM9UZW) The Telegraph *Corporate raider Edward Bramson is embarking on his biggest ever fundraising to build up 700 million pound ($905.31 million)war-chest as he sets out on a hunt for another company to target for a shake-up. (bit.ly/2sNIykT) *Lloyds Banking Group Plc has unveiled a wide-ranging shake-up of its top team as boss Antonio Osorio prepares Britain's biggest mortgage lender for its next strategic plan.(bit.ly/2sOcgG6) Sky News *The European Commission has unconditionally approved the 1.9 billion pound takeover of Vauxhall owner Opel by car maker PSA Group. (bit.ly/2tilttX) *Royal Bank of Scotland is on the brink of a multibillion-pound settlement with U.S. regulators over the mis-selling of toxic mortgage bonds. (bit.ly/2uqPWEy) The Independent *An economic index which tracks the health of the UK's dominant services sector fell short of expectations in June, rounding off a hat-trick of disappointing industrial surveys and offering "clear" evidence that the economy is losing momentum ahead of Brexit. (ind.pn/2uotfRs)  

Выбор редакции
05 июля, 14:04

Horta-Osório signals determination to remain at Lloyds Bank

Chief displays commitment to UK lender with shake-up for new three-year strategy

Выбор редакции
05 июля, 14:04

Horta-Osório signals determination to remain at Lloyds Bank

Chief displays commitment to UK lender with shake-up for new three-year strategy

Выбор редакции
04 июля, 22:30

Lloyds and the FCA must give full story on HBOS Reading fraud | Nils Pratley

How were complaints of fraud by small business customers handled, and by whom?Another day, another round of apologies and expressions of deep regret from Lloyds for the victims of the HBOS Reading fraud. The occasion this time was the publication of a few passages from a 2012 regulator’s report that had previously been redacted while police investigated the scandal.The relevant paragraphs show that Reading alone was responsible for £240m of the provisioning in HBOS’s accounts in 2007. The figure tallies with sums that emerged during this year’s court case that led to the jailing of six individuals. But the timing of the £240m provision is interesting. It suggests that Lloyds, which bought HBOS in January 2009, would have known the size of the mess in Reading on day one of its ownership. Continue reading...

Выбор редакции
04 июля, 21:35

HBOS took £240m hit after 'serious control breakdown' in Reading

FCA reveals details of 2012 report on ‘very serious misconduct’ that eventually resulted in fraud convictionsHBOS took a £240m hit in 2007 after discovering a “serious control breakdown” in its Reading operation, according to information published by the City regulator for the first time.The Financial Conduct Authority (FCA) on Tuesday published information that had been redacted by its predecessor body in a 2012 regulatory notice because of an investigation by Thames Valley police into the HBOS Reading branch. Continue reading...

Выбор редакции
02 июля, 22:05

Don’t leave dustmen out of the pay debate | Brief letters

Essential workers | Letters page | Swearing in pubs | Disappearing bank branchesGood to see the Guardian championing a rise in public sector pay (Gaby Hinsliff, 30 June). But why do columnists rarely mention the real losers at the bottom of the public sector pay cuts – refuse collectors, street sweepers, park staff? These essential service sector workers are on far lower pay than teachers and nurses, and rarely have any pay grades to climb up. Many have already seen their pay cut through privatisation of these services. It is time they were treated with the respect they deserve.Allan BrighamCambridge• A magnificent crop of letters (29 June) puncturing the flabby concept of social mobility on which the present government supposedly places such value. The letters page is one of the serious glories of the Guardian. With tabloidisation in the offing, guarantees from the editor that this great feature will not be attenuated would be of comfort to loyal readers.RP BlowsLondon Continue reading...

Выбор редакции
30 июня, 16:00

Lloyds bank pays HBOS fraud victims £35,000 in living expenses

Bank issues one-off payments as goodwill gesture to cover day-to-day costs as Lloyds admits formal compensation process is taking longer than expectedLloyds Banking Group has issued one-off payments of £35,000 each to victims of the fraud in its HBOS Reading branch after missing Friday’s deadline to make formal compensation offers.The number of victims has risen to 67 small business customers from 64 as more have stepped forward since January when six financiers were jailed for their roles in the fraud, which took place before Lloyds rescued HBOS in 2008 at the height of the financial crisis. Continue reading...

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Выбор редакции
30 июня, 12:46

Lloyds misses own compensation deadline

Victims of a £1bn fraud criticise Lloyds Banking Group for failing to meet its own deadline for paying compensation.

Выбор редакции
26 июня, 20:07

HBOS fraud victims go unpaid as Lloyds battles Noel Edmonds

Bank denies star’s claim £100m scheme is a ‘sham’ as only one victim of loans scam has received compensationFive months after a high court judge handed out lengthy jail terms to a group of financiers who left business owners “cheated, defeated and penniless”, only one of the victims of the HBOS fraud has received compensation.Lloyds Banking Group – which rescued HBOS in 2008 after the fraud took place – has set aside £100m for redress but now has little chance of meeting a month-end deadline it had set to make offers to all 64 victims. Continue reading...

Выбор редакции
26 июня, 02:01

Skilled labour shortage fuelled by uncertainty for EU workers

Survey by Lloyds finds more than half of British companies are struggling to recruit the staff they need – up from almost a third in January British businesses face their biggest challenge in recruiting skilled labour in a decade, as high employment combines with a fall in the value of the pound and uncertainty about the future for EU nationals in the UK.A net balance of 52% of 1,500 UK companies questioned in May said they had experienced difficulty in recruiting skilled labour during the past six months, compared with 31% in January. Continue reading...

20 июня, 19:01

Barclays faces fraud counts over Qatar deal

BRITISH regulators charged Barclays bank and four former executives, including then-CEO John Varley, with conspiracy to commit fraud when they asked Qatar for 6.1 billion pounds (US$7.7 billion) to avoid

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19 июня, 21:44

Co-op Bank has lost £2.6bn since the crisis – but can still bounce back | Nils Pratley

Hedge funds wouldn’t be stumping up hundreds of millions to rescue the bank if wasn’t potentially profitableHere come those dastardly hedge funds, up to their usual tricks: they’re rescuing the Co-operative Bank for a second time.The oddity here is worth noting. Ethical banking, Co-op Bank-style, would be at risk of death, or uncertain resolution at the hands of the Bank of England, if the hedge funds that own the bonds were not willing to find the extra £750m of funding. Nobody, it appears, wanted to buy the bank after a four-month hunt for a purchaser, so the bondholders are having to dig deep, just as they did in 2014. Continue reading...

Выбор редакции
19 июня, 14:22

Lloyds likely to extend compensation deadline over HBOS fraud scandal

Move comes after it emerges only one of 64 victims of fraud committed before bank bought HBOS has received paymentLloyds Banking Group is expected to extend the deadline for making compensation offers to victims of the HBOS Reading fraud, as it emerged only one of 64 affected customers has received compensation. Lloyds had pledged to do so by the end of June. The compensation is to come from £100m the bank has set aside for the victims of the fraud, which took place between 2003 and 2007 before it bought HBOS at the height of the financial crisis. Continue reading...

13 июня, 21:40

Вероятность жесткого Брекзита снизилась после выборов в Британии - опрос экономистов

Шансы на то, что Великобритания окажется за пределами единого рынка после завершения переговоров по Брекзиту, несколько уменьшились после выборов на прошлой неделе, хотя фунт может еще больше подешеветь против других основных валют, считают экономисты, опрошенные Reuters. В преддверии выборов, премьер-министр Тереза ​​Мэй ожидала убедительной победы - результат, который опросы Reuters расценивали как лучший всего для переговоров по Брекзиту и для фунта - но в день голосования опросы общественного мнения нарисовали менее радужную картину для Мэй. В итоге, Консервативная партия, возглавляемая Мэй, не смогла завоевать абсолютное большинство в парламенте. На фоне этого стали звучать предположения, что Мэй потребуется пересмотреть подход к процессу Брекзита, то есть применить так называемый "мягкий сценарий". Кроме того, некоторые соперники Консервативной партии даже выступили с призывом отложить процесс Брекзита. Толпы недавно зарегистрированных молодых избирателей, многие из которых проголосовали за то, чтобы остаться в ЕС, поддержали оппозиционную Лейбористскую партию, уничтожив надежды Мэй на убедительную победу. Примерно две трети экономистов, опрошенных на этой неделе, а именно 33 из 49, сказали, что шансы "жестокого Брекзита" немного ослабли. 3 экономиста сказали, что вероятность такого исхода значительно сократилась, а 8 отметили, что не изменилась. Между тем, 5 экономистов заявили, что шансы несколько увеличились, и никто из опрошенных не сказал, что шансы значительно выросли. "Премьер-министру, возможно, придется изменить свою позицию и подход к Брекзиту, учитывая итоги выборов", - сказал Никеш Савьяни, эксперт Lloyds Banking Group. У Мэй есть два года, чтобы договориться с ЕС, но она неоднократно заявляла, что будет готова выйти с переговоров без сделки, если будет необходимо. Но теперь ей будет труднее сделать это. "Сокращенное большинства консерваторов означает, что мандат на жесткий Брекзит больше не существует", - сказал Джордж Браун из CBI. Что касается курса фунта, который в пятницу упал до 2-месячного минимума против доллара США, 26 из 50 респондентов заявили, что в ближайшие несколько месяцев он, вероятно, снизится еще больше. 15 сказали, что никаких изменений не будет, и 9 ожидали, что фунт отыграет часть своих потерь. Информационно-аналитический отдел TeleTradeИсточник: FxTeam

01 сентября 2016, 07:54

Зомби банки

Современные банки используют невероятное множество приемов для сокрытия реальных финансовых результатов, манипулируя отчетностью, перераспределяя убыточные позиции через различные дочерние подразделения или выводя их в момент отчетности через производные финансовые инструменты. Даже находясь в чудовищных убытках, превышающие способность банка эти убытки обслуживать, сам банк может демонстрировать, что все отлично. Уже проходили в 2006-2008 и знаем.Оценить реальное состояние крупных финансовых структур через публичную отчетность технически и даже теоретически невозможно. Даже регулирующие структуры с высоким уровнем доступа могут быть введены в заблуждение умелой манипуляцией и подтасовкой информации. Сама по себе чистая прибыль априори является бумажным показателем и далеко не всегда коррелирует с денежными потоками и способностью обслуживать действующие обязательства.Это больше демонстрирует тенденции, чем реальную устойчивость. Однако, есть ориентиры, которые могут идентифицировать предел устойчивости – последовательность убытков, величина убытков от общих активов, от действующей выручки и что главное – от капитала.Красная черта – 3 квартала подряд убытков, около 0.5% убытков от активов в год, 15% от капитала и 20% от выручки. У этой границы, как правило, требуется принудительная реструктуризация активов, неизбежная санация и перестройка системы управления банком.На этот раз небольшой обзор крупнейших банков Западной Европы.Данные по чистой прибыли за год. Квартальная выборка не позволяет вычленить столь продолжительные ряды, а во-вторых, периодичность публикации результатов различна – кто то в квартал, но многие за пол года. Поэтому для полной картины – за год и поэтому только по 2015. Банки Греции, Португалии, Кипра и Ирландии в обзор не попали в виду своей ничтожности в объеме всех активов банков Западной Европы. Данные по ING в сопоставимом виде не получены.Собственно, в состоянии зомби пребывают, как минимум 4 финансовые структуры - Royal Bank of Scotland Group (этот особенно плохо, никто в мире так ужасно не выступает, как RBS - там форменная катастрофа), Barclays, Lloyds Banking Group и Unicredit. В тяжёлом состоянии Deutsche Bank и испанские банки. Английские банки держатся исключительно за счет хороших связей с ФРС, ЕЦБ и с Банком Англии. Убери нерыночные механизмы поддержки и все ... банкроты.В устойчивом положении HSBC, BNP Paribas, Nordea, DNB, Svenska Handelsbanken и Swedbank, т.е. в основном скандинавские банки.Пока не затрагиваю причины такого положения – это потом, т.к. у каждого своя специфика. Однако те, кто в наиболее тяжелом положении – такое состояние обеспечили преимущественно за счет рынка активов, а не кредитного портфеля. В будущем я рассмотрю более подробно банки, т.к. в условиях революционных сдвигов в денежном рынке (отрицательные ставки) весьма интересно проследить за динамикой операционных показателей и изменения баланса.Но пока совершенно точно можно сказать, что американские банки в сравнении с европейскими более устойчивы.

16 ноября 2012, 19:46

Банки британцам деньги не вернут

http://ru.euronews.com/ Миллиарды, потраченные правительством Великобритании на спасение банков, вероятно, никогда не вернуться к налогоплательщикам. К такому выводу пришла комиссия британского парламента по расследования деятельности властей во время кризиса 2008 года. Только национализация тонущих крупных банков Lloyds и RBS обошлась казне в 82 млрд. в перечете на евро. Так же комиссия во главе с Маргарет Ходж выявила грубые ошибки правительства при спасении самого первого рухнувшего банка -Northern Rock. Ñ�оциальные Ñ�ети : YouTube: http://bit.ly/zqVL10 Facebook: http://www.facebook.com/euronewsru Twitter: http://twitter.com/euronewsru