Parliamentary Commission on Banking StandardsCorporate Banking Advances over £20 million, for the information of the HBOS Board Approved during the period 1st September 2002 to 30th September 2002
PRESENTER: GEORGE MITCHELL, 29TH OCTOBER 2002
Connection Description |
Existing Facilities £000’s |
Increase/ Decrease £000’s |
New Facilities £000’s |
Margin bps |
Fees Earned £000’s |
Risk Rating |
Post Tax ROE % |
Post Tax RAROE % |
Other retail sale in specialised areas |
0 |
963,000 |
963,000 |
286 |
11,325 |
6 |
39.20 |
22.10 |
Retail sale of clothing |
0 |
913,000 |
913,000 |
223 |
14,370 |
5 |
34.50 |
26.40 |
Property investment |
830,183 |
48,937 |
879,120 |
100 |
595 |
6 |
16.80 |
16.60 |
Manufacture of paints, varnishes and similar coatings |
0 |
582,278 |
582,278 |
283 |
3,973 |
6 |
96.00 |
33.50 |
Retail sale of hardware, paints and glass |
95,594 |
309,513 |
405,107 |
339 |
3,400 |
5 |
56.40 |
36.10 |
Property investment |
338,067 |
300 |
338,367 |
200 |
58 |
6 |
30.50 |
29.00 |
Property development |
268,250 |
13,500 |
281,750 |
150 |
75 |
6 |
40.50 |
39.20 |
Scheduled passenger air transport |
0 |
272,667 |
272,667 |
53 |
1,494 |
5 |
61.70 |
57.80 |
Property investment |
113,125 |
117,000 |
230,125 |
90 |
250 |
5 |
13.10 |
13.00 |
Gambling and betting activities |
257,500 |
(31,502) |
225,998 |
264 |
1,589 |
5 |
37.40 |
37.00 |
Property investment |
0 |
218,701 |
218,701 |
119 |
675 |
7 |
16.70 |
16.30 |
Other scheduled passenger land transport |
224,500 |
(30,000) |
194,500 |
77 |
60 |
5 |
15.40 |
10.20 |
Property investment |
0 |
174,194 |
174,194 |
95 |
1,181 |
5 |
15.40 |
14.60 |
Property investment |
142,150 |
12,000 |
154,150 |
110 |
275 |
3 |
15.60 |
15.00 |
Construction of domestic buildings |
119,250 |
22,450 |
141,700 |
154 |
215 |
6 |
18.10 |
17.10 |
Motion picture and video distribution |
0 |
140,000 |
140,000 |
8 |
375 |
1 |
n/a |
n/a |
Manufacture of pulp, paper, publishing and printing |
103,439 |
26,115 |
129,554 |
244 |
1,648 |
6 |
29.60 |
1.20 |
Extraction of crude petroleum and natural gas |
0 |
120,667 |
120,667 |
213 |
435 |
4 |
34.50 |
17.60 |
Private investment company |
105,306 |
6,410 |
111,716 |
300 |
64 |
5 |
37.60 |
37.30 |
Mixed property interests |
105,736 |
(2,000) |
103,736 |
176 |
10 |
1 |
19.00 |
18.90 |
Other construction work involving special trades |
0 |
103,365 |
103,365 |
228 |
1,339 |
5 |
50.10 |
49.20 |
Publishing of newspapers |
72,563 |
19,000 |
91,563 |
168 |
191 |
5 |
19.30 |
6.30 |
Other supporting air transport activities |
0 |
91,065 |
91,065 |
278 |
1,318 |
5 |
45.60 |
39.70 |
Property investment |
0 |
83,670 |
83,670 |
164 |
705 |
6 |
22.30 |
20.00 |
Extraction of crude petroleum and natural gas |
59,269 |
23,980 |
83,249 |
246 |
166 |
4 |
28.30 |
28.00 |
Industrial maintenance services |
0 |
75,251 |
75,251 |
254 |
1,110 |
4 |
50.90 |
50.10 |
Investing in distressed debt |
71,408 |
0 |
71,408 |
303 |
481 |
6 |
41.90 |
41.50 |
Manufacture of other food products |
62,870 |
7,200 |
70,070 |
37 |
0 |
1 |
||
Property investment |
80,954 |
(10,924) |
70,030 |
118 |
0 |
5 |
12.90 |
11.30 |
Other artistic and literary creation and interpretation |
59,500 |
9,000 |
68,500 |
135 |
384 |
2 |
19.60 |
16.50 |
Property investment |
41,568 |
21,505 |
63,073 |
175 |
292 |
4 |
22.50 |
22.40 |
Extraction of crude petroleum and natural gas |
1,880 |
57,433 |
59,313 |
160 |
392 |
5 |
33.20 |
9.80 |
Scheduled passenger air transport |
0 |
56,875 |
56,875 |
300 |
0 |
4 |
33.20 |
28.80 |
Property development |
0 |
56,553 |
56,553 |
205 |
843 |
5 |
55.10 |
55.10 |
Property investment |
0 |
56,194 |
56,194 |
218 |
647 |
7 |
28.50 |
22.30 |
Property development |
39,772 |
9,010 |
48,782 |
163 |
85 |
6 |
26.90 |
25.20 |
Financial intermediation |
0 |
46,178 |
46,178 |
160 |
332 |
3 |
24.50 |
24.30 |
Manufacture of plastics in primary forms |
0 |
45,915 |
45,915 |
145 |
582 |
5 |
68.90 |
34.40 |
Manufacture of pharmaceuticals, medicines, chemicals and botanical products |
0 |
43,600 |
43,600 |
251 |
800 |
5 |
41.40 |
24.70 |
Manufacture of equipment for concrete crushing and screening and roadworks |
0 |
43,100 |
43,100 |
229 |
700 |
5 |
33.40 |
12.70 |
Pension fund trustees |
42,000 |
0 |
42,000 |
100 |
0 |
4 |
18.10 |
17.80 |
Manufacture of cartons, boxes, cases and other containers |
38,000 |
2,200 |
40,200 |
100 |
10 |
3 |
18.30 |
14.90 |
Wholesale of household goods |
38,718 |
801 |
39,519 |
234 |
705 |
5 |
26.70 |
13.80 |
Manufacture of industrial process control equipment |
0 |
39,248 |
39,248 |
282 |
703 |
5 |
37.70 |
14.60 |
Renting of other machinery and equipment |
0 |
37,867 |
37,867 |
252 |
361 |
5 |
37.40 |
32.20 |
Fund management activities |
40,600 |
(4,740) |
35,860 |
100 |
36 |
4 |
14.50 |
14.40 |
Sale of motor vehicle parts and accessories |
0 |
35,000 |
35,000 |
245 |
325 |
5 |
30.90 |
22.30 |
Hotels and motels, with restaurant |
0 |
32,925 |
32,925 |
200 |
280 |
6 |
25.40 |
20.60 |
Management of real estate on a fee or contract basis |
27,692 |
5,041 |
32,733 |
184 |
53 |
3 |
25.40 |
25.00 |
Manufacture of medical and surgical equipment and orthopaedic appliances |
27,700 |
5,000 |
32,700 |
200 |
150 |
3 |
28.60 |
18.50 |
Sale of motor vehicle parts and accessories |
29,821 |
1,786 |
31,607 |
235 |
98 |
3 |
27.60 |
21.60 |
Photographic activities |
28,600 |
2,465 |
31,065 |
121 |
10 |
3 |
16.20 |
13.60 |
Property investment |
0 |
30,740 |
30,740 |
125 |
135 |
6 |
18.00 |
16.30 |
Property investment |
250,000 |
(220,000) |
30,000 |
110 |
145 |
7 |
15.90 |
13.00 |
Freight sea and costal water transport |
13,262 |
16,340 |
29,602 |
155 |
65 |
4 |
19.30 |
15.00 |
Extraction of crude petroleum and natural gas |
0 |
28,213 |
28,213 |
175 |
78 |
4 |
21.00 |
20.70 |
Building and repairing of pleasure and sporting boats |
0 |
28,070 |
28,070 |
222 |
491 |
5 |
32.70 |
21.60 |
Manufacture of cartons, boxes, cases and other containers |
0 |
27,778 |
27,778 |
100 |
92 |
6 |
20.10 |
(21.30) |
Licensed restaurants |
5,147 |
22,059 |
27,206 |
200 |
138 |
5 |
24.60 |
22.40 |
Service activities incidental to oil and gas extraction |
23,319 |
3,848 |
27,167 |
131 |
60 |
4 |
20.00 |
17.80 |
Processing and preserving of fish and fish products |
24,426 |
2,300 |
26,726 |
212 |
30 |
4 |
32.30 |
17.90 |
Transport via pipelines |
0 |
26,667 |
26,667 |
280 |
200 |
4 |
34.90 |
30.90 |
Manufacture of games and toys |
12,304 |
14,200 |
26,504 |
75 |
15 |
1 |
20.20 |
14.20 |
Property investment |
17,483 |
8,741 |
26,224 |
325 |
44 |
5 |
39.00 |
38.20 |
Construction of domestic buildings |
0 |
25,000 |
25,000 |
100 |
0 |
7 |
14.00 |
8.50 |
Property investment |
0 |
24,940 |
24,940 |
145 |
65 |
6 |
18.80 |
17.30 |
Manufacture of paper stationery |
26,900 |
(2,250) |
24,650 |
226 |
35 |
3 |
31.80 |
19.60 |
Mining and agglomeration of hard coal |
20.714 |
3,871 |
24,585 |
483 |
65 |
7 |
66.30 |
3.20 |
Extraction of crude petroleum and natural gas |
12,759 |
11,543 |
24,302 |
163 |
0 |
4 |
17.30 |
17.00 |
Sale of motor vehicles |
27,400 |
(3,750) |
23,650 |
140 |
0 |
4 |
19.60 |
11.10 |
Nursing home activities |
0 |
23,474 |
23,474 |
248 |
1,273 |
5 |
36.80 |
34.10 |
Property development, hotels and personal lending |
19,078 |
64 (940) (3,000) 8,000 |
23,202 |
365 136 250 250 |
5 5 5 60 |
4 6 4 6 |
30.14 |
27.71 |
Supermarkets |
13,150 |
9,863 |
23,013 |
20 |
218 |
4 |
10.10 |
10.10 |
Freight sea and costal water transport |
16,340 |
6,536 |
22,876 |
150 |
139 |
3 |
19.90 |
16.70 |
Manufacture of electronic industrial process control equipment |
19,480 |
3,150 |
22,630 |
221 |
61 |
7 |
30.30 |
n/a |
Manufacture of parts and accessories for motor vehicles and their engines |
16,241 |
6,369 |
22,610 |
266 |
101 |
5 |
36.00 |
21.60 |
Property investment |
25,123 |
(2,643) |
22,480 |
271 |
3 |
6 |
30.40 |
28.80 |
Canteens and catering |
19,300 |
3,177 |
22,477 |
150 |
25 |
1 |
19.30 |
18.80 |
Wholesale of pharmaceutical goods |
8,033 |
13,967 |
22,000 |
200 |
114 |
3 |
23.60 |
19.50 |
Engineering and consultative design activities |
12,175 |
9,650 |
21,825 |
196 |
160 |
4 |
29.50 |
25.10 |
Property development |
20,280 |
1,404 |
21,684 |
137 |
158 |
4 |
31.50 |
31.40 |
Construction of highways, roads, airfields and sports facilities |
20,824 |
0 |
20,824 |
314 |
10 |
8 |
32.40 |
26.70 |
Property investment |
0 |
20,800 |
20,800 |
150 |
30 |
6 |
19.20 |
17.80 |
Extraction of crude petroleum and natural gas |
13,333 |
7,356 |
20,689 |
175 |
3 |
4 |
19 |
18.70 |
Retail sale of books, newspapers and stationery |
20,040 |
0 |
20,040 |
114 |
0 |
3 |
15.50 |
6.10 |
Activities of venture and development capital companies |
0 |
19,000 |
19,000 |
n/a |
n/a |
n/a |
n/a |
n/a |
Construction of domestic buildings |
0 |
18,200 |
18,200 |
175 |
128 |
5 |
22.30 |
21.90 |
Activities of venture and development capital companies |
0 |
12,500 |
12,500 |
n/a |
n/a |
n/a |
n/a |
n/a |
Activities of venture and development capital companies |
0 |
10,000 |
10,000 |
n/a |
n/a |
n/a |
n/a |
n/a |
Retail Division |
||||||||
415,000 |
247,000 |
662,000 |
125 |
Variable |
n/a |
n/a |
n/a |
Certain facilities require to be approved at a higher level due to
**Mezzanine Finance
***Equity Investment
Advances £20 million and above, for the information of the HBOS Board Approved during the period 1st September to 30th September 2002
PRESENTER: COLIN MATTHEW, 29TH OCTOBER 2002
Connection Industry Description |
Existing Facilities £000s |
Increase/ Decrease |
New Facilities £000s |
Risk Rating |
Margin bps |
Fees £000 |
Motor Vehicle Retailer |
60,227 |
4,000 |
64,227 |
− |
122 |
0 |
Operators of Bars & Nightclubs a* |
59,211 |
0 |
59,211 |
3 |
400 |
0 |
Commercial Property Investment & Development |
47,186 |
2,840 |
50,026 |
4 |
113 |
0 |
Automotive Design & Specialist Engineering |
36,724 |
10,400 |
47,124 |
5 |
166 |
125 |
Residential Property Development |
33,105 |
13,585 |
46,690 |
− |
300 |
364 |
Operator of Dental Practices |
27,650 |
15,675 |
43,325 |
4 |
134 |
100 |
Commercial Property Investment |
40,969 |
1,136 |
42,105 |
5 |
137 |
9 |
Commercial Property Investment |
18,190 |
17,420 |
35,610 |
6 |
125 |
86 |
Commercial Property Investment |
33,799 |
-311 |
33,488 |
1 |
105 |
78 |
Commercial Property Investment |
31,458 |
573 |
32,031 |
6 |
150 |
6 |
Commercial Property Investment |
0 |
29,500 |
29,500 |
6 |
125 |
200 |
Commercial/Residential Property Investment |
26,700 |
1,160 |
27,860 |
6 |
150 |
9 |
[illegible] |
25,493 |
289 |
25,781 |
5 |
150 |
1 |
Commercial Property Investment |
23,329 |
1,284 |
24,613 |
6 |
125 |
4 |
Healthcare |
0 |
23,400 |
23,400 |
6 |
125 |
180 |
IT Leasing |
13,388 |
10,000 |
23,388 |
- |
175 |
13 |
Commercial Property Investment |
18,100 |
4,300 |
22,400 |
5 |
178 |
14 |
Commercial Property Investment & Development |
13,675 |
6,750 |
20,425 |
6 |
250 |
65 |
Art Dealers |
19,813 |
373 |
20,186 |
2 |
169 |
1 |
Training & Outplacement Services |
0 |
2,270 |
2,270 |
5 |
262 |
43 |