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 Sujet du message: Evaluation, straight a evaluate
MessagePublié: 29 Mai 2020 23:04 
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Pti chamallow
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Localisation: Mozambique
Australias big banks most profitable (as of 2015)


The most profitable of all banks is Australian's Westpac


The most profitable of all major banks is Natwest Bank


The most profitable of all national banks are Westpac (Australia is third in that list)


A similar trend is seen in the UK;

The HSBC and Barclays were both profitable in the UK in 2013 and 2014


The HSBC bank had a profit of $1.9 billion in 2015

The Barclays is the largest bank in England with a profit of $1.26 billion in 2015 (they made an all-cash profit of $1.2 billion last year)


Anecdotally, we've seen how this bank gets away with charging fees from the people who use their accounts because of a loophole under the UK's banking system that prevents banks from charging fees for accessing data (they charge an estimated $6 billion a year in charges).


So, in order to attract new customers, this bank wants to increase its profit margin by charging fees? I think it goes a long way to explaining why HSBC's profit was such a drop in 2014 compared to last year

However, this isn't the only bank that is making profits. Some banks have actually cut costs by cutting the cost of their products in order to make more money.

If you consider the cost of a £200 debit card at Aussie Bank at the moment would cost roughly £300. At BSB we believe the savings rate is closer to half of the cost of the £200 debit card.

The cost of our card can vary significantly from customer to customer.


So there's this 'price' (the cost of the card) versus'margin', but these two statements don't go far enough

What you really want is to understand that the cost of access to the card versus its price - what banks say is the cost of access to the card, but are in fact the cost of buying access to their products (ie they are charging for something that's already there).


You need to realise that there are a lot of 'features' available to the user when shopping for a credit card.

The features often give more flexibility to the user (for instance, there's no fee when a 'cash back' payment is made for online shopping) but the consumer will also need to have more information regarding how the credit is going to be used over a period of time (ie it is not available when you can go to the bank and change your details).

If you really want to know what is really going on behind the scenes, you need to understand these features and what impact they will have on your personal finances.


So, in order to sell mor
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Unmarked police car in hit run on busy road after night break.

Dumb car on motorway and stopped in the middle of the road, then swerved down to block two vehicles and collided with them.

Two of the victims injured in crash are in intensive care.

One woman on wheel in ambulance and the other is in a critical condition.

Emergency services were at the scene investigating the crash

It happened on the M4 between Nore and Hove. It is believed one of the victims was hit by the other vehicle before it swerved into them and collided with them.

A Met Police spokesman said: "The driver of an Unmarked police car on the M4 was driving at high speed as he passed a parked vehicle.

"His police vehicle struck another Unmarked police car near an intersection which then drove into the collision.

"Two people have been left with severe head injuries and in hospital. One man is conscious and able to speak at the scene."

The spokesman added: "No one has yet been arrested in connection with the accident.

"At the time of the incident, police stopped the Unmarked car at a red light and it was also stopped in the middle of the road and it collided with several other vehicles. No one else was in the front car and it was the same vehicle driving through the intersection.

"A collision investigation team is continuing at this late hour.

"Police have advised drivers to take extra care at junctions when leaving the road during morning rush hour.

"The road has now reopened to traffic, and traffic can only be moved as far as the junction or the exit to the A35 westbound. Drivers have been advised to ensure their car is in motion before entering the junction.

"We are appealing to anyone who was travelling southbound as part of the morning rush hour, or in the area at the time of the accident, to take extra care to avoid crossing the road at junctions."

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