American Express Company Financials Annual Reports & Proxy Statements

In this section you can download TSB Banking Group’s historical financial, acquisition related and regulatory information and access other results and official market announcementsfrom June 2014 to the time of the acquisition by Banco Sabadell. To access the latest financial information and press releases please go to TSB Banking’s Group corporate website. The regulated information for 2020 consists of the Spanish versions of the individual and consolidated annual financial reports prepared following the ESEF regulation. It contains an overview of our tax contribution country by country as well as our broader approach to tax including our UK tax strategy. All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download. The third one is around digitising our small and medium sized enterprise and business banking offering and really growing our market share in that area.

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In this section you can download Banco Sabadell Group’s Pillar III disclosure reports and TSB’s Significant Subsidiary Disclosures. See alternative performance measures glossary below for key financial ratios’ definitions. The appendix of this report contains additional information on Federal Reserve leadership, policy actions, budgets, updated historical data, and other supporting activities. A summary of our risk profile, its interaction with the Group’s risk appetite, and risk management. An overview of the Group’s approach to building a more inclusive company, including a progress report on each of our five pillars of diversity and inclusion.

All SEC filings prior to October 1, 1998 are for the former NationsBank Corporation. SEC filings for the pre-merger BankAmerica Corporation are not available through this source. Bank of America Corporation makes no representations or warranties with respect to the information contained herein and takes no responsibility for supplementing, updating, or correcting any such information. Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill.

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• Below we’ll take a look at an example of how the interest rate spread looks for a large bank.
• Securities or other instruments on these Sites are only offered to professional market parties.
• It is important to understand the differences, particularly when determining which service or services to select.
• As a bank increases its fee income, it becomes less reliant on the interest income from loans, mitigating interest rate risk .
• Investors should monitor whether there’s an upward trend in loan-loss provisions as it might indicate that management expects an increasing number of problem loans.

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Balance Sheet

The second is around creating a new mass affluent proposition that joins up across banking, protection and investments and insurance products. The first is we’ve always been a fantastic organisation in terms of having a strong purpose and being the leading financial services group in the UK. But one of the things we’re doing in this strategy is we really want to make being purpose led integral to everything we’re doing. Our first stand-alone climate report provides detail of progress on our climate strategy and our reporting against the recommendations of the Task Force on Climate-related Financial Disclosures. Net interest income reflects the difference between the revenue from a bank’s interest-bearing assets and expenses on its interest-bearing liabilities. Maturity gap is a measurement of interest rate risk for risk-sensitive assets and liabilities. Fee income is the revenue produced by a financial institution that does not derive from the interest paid on loans.

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