Annual Reports and Proxy Statements Investor Relations

We continue to see accelerated change across the global business ecosystem, from the digital space, to trade flows and supply chain shifts, and these are just some of the reasons why we are excited at the prospects of the Group. We’ve rallied together for our communities, reaching more than 300,000 young people through our Futuremakers programme to support education, employability, and entrepreneurship across our markets during the year. They are a testament to our valued behaviours of being Better Together, endeavouring to Do the Right Thing, and putting our best foot forward to Never Settle. These attributes, along with the resilience and adaptability of our colleagues, are critical for us. We must continue to build on our culture of excellence, which is client-centric, diverse and inclusive, to deliver on our aspirations to be truly high-performing. The Group is highly liquid and well capitalised with a Common Equity Tier 1 (‘CET1’) ratio of 14.1 per cent.

In the U.S., banks are regulated by multiple agencies, and some of them include the Federal Reserve System , the Office of the Comptroller of the Currency, the Office of Thrift Supervision, and the Federal Deposit Insurance Corporation . These regulators focus on ensuring compliance to uphold the soundness and integrity of the banking system.

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On this page you will find the annual reports of Credit Suisse AG and the Credit Suisse AG , as well as our Sustainability Report available for download. And the final one is focusing and growing around our UK linked corporate and institutional businesses with a very focused offering around cash, debt and risk management services. With a market capitalisations of approximately R271billion as at 30 June 2022, Standard Bank offers a range of banking and related financial services across sub-Saharan Africa. Credit risk is the likelihood that a borrower will default on a loan or lease, causing the bank to lose any potential interest earned as well as the principal that was loaned to the borrower.

Banks take indeposits from consumers and businesses and pay interest on some of the accounts. In turn, banks bank financial statements take the deposits and either invest those funds in securities or lend to companies and to consumers.

Our performance

It may appear counterintuitive that the deposits are in red and loans are in green. However, for a bank, a deposit is a liability on its balance sheet whereasloans are assets because the bank pays https://www.bookstime.com/ depositors interest, but earns interest income from loans. In other words, when your local bank gives you a mortgage, you are paying the bank interest and principal for the life of the loan.

All institutions with branch offices are required to submit the survey; institutions with only a main office are exempt. The International Bank for Reconstruction and Development and the International Development Association are two of the five institutions of the World Bank Group . Each institution publishes its own annual report, all of which are available online. Fee income is the revenue produced by a financial institution that does not derive from the interest paid on loans. Banking is a highly-leveraged business requiring regulators to dictate minimal capital levels to help ensure the solvency of each bank and the banking system.