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Table of Content s
1. Financial Updates.....................................................1
2.Solutions Updates....................................................17
6.Miscellaneous Updates...........................................50
Executive Commentary
Executive Commentary
CHIEF EXECUTIVE OFFICER OF AXA: “AXA continued to deliver strong
operating performance, with a +4% growth in revenues and a +10% increase in
underlying earnings per share in the first half of 2019.AXA’s earnings benefitted
from a virtuous double dynamic, both growing volumes and improving
profitability across all our geographies and preferred segments.AXA XL had a
great first half with continued and disciplined growth in revenues and a solid
contribution to the Group’s earnings. Synergies are materializing well, and AXA
XL should benefit from the increasingly positive pricing context.AXA is very
well advanced on its transformation journey. The Group has reduced its
sensitivity to financial markets, created the #1 Global P&C Commercial lines
insurance platform and strengthened its position as a world leader in Health
insurance. We also further advanced in our Payer to Partner strategy by
launching our own medical centers, notably in Mexico and Egypt, with the aim
to simplify and enhance the healthcare journey of our customers.I would like to
thank all our colleagues and partners for their critical role in the execution of our
transformation, as well as our clients for their continued trust.”
For more details, please click the link below:
https://www.axa.com/en/newsroom/press-releases/half-year-2019-earnings-disciplined-execution-and-delivery
Executive Commentary
Executive Commentary
Natixis Chief Executive Officer, said: “Natixis recorded solid results across all its businesses in the
second quarter of 2019. Our diversified and balanced business model proves, once again, its worth
in an uncertain economic environment. In Asset & Wealth Management our multi-boutique model
demonstrated its robustness. Revenues and assets under management both continued to rise despite
outflows at H2O and with net flows in the United States turning back positive. We also announced
our ambition to create a 100% SRI-compliant European leader in insurance-related fixed income
asset management with La BanquePostale. In Corporate & Investment Banking, we enjoyed
sustained performances, including in our capital markets activities despite a less favorable
environment than last year to which we notably adapt through tighter cost control. In Insurance and
Payments, we continued to combine strong growth with a positive jaws effect. We further bolstered
our capital position with our CET1 standing at 11.5%, above our 2020 objective.”
Executive Commentary
AIG’s President and Chief Executive Officer said: “Our strong second quarter performance
demonstrated continued positive momentum throughout the first half of 2019. The additional
progress on our path to long-term sustainable and profitable growth reflected in this quarter’s
results was driven by the foundational changes we implemented across AIG last year. General
Insurance achieved its second consecutive quarter of underwriting profitability resulting from
underwriting and expense discipline, and reinsurance actions, and remains on track to deliver an
underwriting profit for the full year. Life and Retirement delivered another quarter of solid in force
profitability and double-digit adjusted ROCE, and Life and Retirement expects to deliver full year
adjusted ROCE in the low- to mid-teens range, as we stated previously.”
Executive Commentary
Vienna Insurance Group (VIG) continues to be in growth mode. “With significant gains in two key
indicators, premium growth as well as profit, both before and after taxes, we can report very positive
half year results. In spite of higher claims payments due to weather conditions, the combined ratio
remained stable year-on-year. We will maintain our focus on optimising the business model in terms
of claims and costs so that we remain on track to reach our target ratio of 95% in 2020. We are very
confident that we will achieve our targets for 2019. The Group is aiming for a premium volume of
EUR 9.9 billion and a pre-tax profit of between EUR 500 and EUR 520 million. The favourable
economic environment in the CEE region complements our optimism. In July 2019, the Vienna
Institute for International Economic Studies reported that slowdown in growth has been far less than
expected in Central, Eastern and Southeastern Europe. Forecasts for the majority of countries have
been revised upwards,” commented CEO of the Vienna Insurance Group, on the highly satisfying
results for the first half of 2019.
Executive Commentary
“Our strong second quarter results speak to the success of our sustainable growth strategy,”
commented President and CEO of iA Financial Group. “The 17% increase in earnings per share
over twelve months illustrates our solid performance and our profit-generating capacity. These
factors, combined with others such as our financial strength and the diversification of our
operations, led Standard & Poor's to raise our credit ratings in July.We're also happy with our
business growth,particularly in the United States. Our two U.S. divisionscontinue to show good
momentum, which solidifies our desire to grow that market. We're also continuing to see good
resultsfor segregated fund sales in Canada, where we're still ranked number one in net sales. At the
same time, our retail insurancesales are improving, and are slightly higher than last year's second
quarter results.”
Executive Commentary
Vienna Insurance Group (VIG) continues to be in growth mode. “With significant gains in two key
indicators, premium growth as well as profit, both before and after taxes, we can report very positive half
year results. In spite of higher claims payments due to weather conditions, the combined ratio remained
stable year-on-year. We will maintain our focus on optimising the business model in terms of claims and
costs so that we remain on track to reach our target ratio of 95% in 2020. We are very confident that we will
achieve our targets for 2019. The Group is aiming for a premium volume of EUR 9.9 billion and a pre-tax
profit of between EUR 500 and EUR 520 million. The favourable economic environment in the CEE region
complements our optimism. In July 2019, the Vienna Institute for International Economic Studies reported
that slowdown in growth has been far less than expected in Central, Eastern and Southeastern Europe.
Forecasts for the majority of countries have been revised upwards,” commented CEO of the Vienna
Insurance Group, on the highly satisfying results for the first half of 2019.
Description
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Legal & General announces that it has provided £57.5 million of long-term debt
financing to support Hermes Infrastructure in their recapitalisation of two solar
photovoltaic (“solar PV”) portfolios in England and Wales.Demonstrating Legal &
General’s commitment to providing clean energy to the UK, the residential solar PV
systems have a combined installed capacity of around 34.52MWp. The majority of
the systems are placed on private residences, with c.10% of the portfolio located on
social housing rooftops. The portfolio benefits from Feed-in-Tariffs providing a high
level of cash flow visibility until maturity in 2033 and 2036. This transaction follows
a number of significant investments over the past 24 months, with three in UK
offshore wind including; Walney, Hornsea and Dudgeon, and a substantial solar PV
debt transaction. The renewables sector continues to be a significant focus for Legal
& General, and this investment further enhances its existing renewables portfolio.
Executive Commentary
Executive Commentary
At Legal & General we fully support the Government’s Pension Dashboard
initiative – but the reality is that it may be years before full coverage is
realised. Wherever they are in their retirement journey, from beginning to
save for retirement to planning retirement income solutions, customers need
the tools and guidance to make informed decisions about the most suitable
options for their personal circumstances, lifestyle and retirement goals” said
Chief Executive Officer, Legal & General Retail Retirement.
For more details, please click the link below:
https://www.legalandgeneralgroup.com/media-centre/press-releases/legal-general-retail-retirement-acquires-myfuturenow/
Executive Commentary
Deputy Chief Executive Officer of Arkéa group, in charge of the Innovation and
Operations Division comments: “It’s with great pride that we announce the
partnership with Discover Global Network, the payments brand of Discover.
This agreement will allow our merchant clients to better welcome international
tourists. Arkéa places itself at the heart of the real economy: our mission is to
support our clients and more precisely merchant clientstorealise their ambitions
and in this way contribute to their development and that of our territories."
For more details, please click the link below:
https://investorrelations.discover.com/newsroom/press-releases/press-release-details/2019/Crdit-Mutuel-Arka-and-Discover-Global-Network-Sign-an-Agreement/default.aspx
Description
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An agricultural fund managed by Macquarie Infrastructure and Real
Assets (MIRA or the Fund) and Shandong Ruyi (Ruyi) announced an
agreement to jointly own Queensland’s Cubbie Station, associated
properties and cotton ginnery (Cubbie). The Fund will acquire a 49%
stake in Cubbie, with Ruyi to retain 51%. Cubbie Agriculture, a
subsidiary of Ruyi, will continue to operate Cubbie under a long-term
operating agreement, with no change to the current on-property
management and team. The joint ownership agreement provides
certainty of ownership of Cubbie, supporting the local communities of
Dirranbandi, St George and surrounding districts. It also brings together
two experienced agricultural investors and operators and it is
anticipated this combined expertise will build on the operational and
sustainability initiatives that have already been undertaken on farm.
Executive Commentary
MIRA Head of Agriculture said: “Cubbie is one of Australia’s premiere
agricultural assets and aligns with our investment thesis for long-term
sustainable farming operations.MIRA has been an active investor in and
manager of Australian farmland for more than 10 years and we understand the
responsibilities that we have to local communities and investors. Shandong Ruyi
has a long-term track record of sustainable operation of Cubbie and that is a
commitment we share with them.
For more details, please click the link below:
https://www.macquarie.com/in/about/newsroom/2019/macquarie-agriculture-and-shandong-ruyi-enter-joint-agreement-for-ownership-of-queenslands-cubbie-station
Description
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Kinnevik AB (publ) (“Kinnevik”),announced that it has invested USD
75m in VillageMD, a leading US based provider of primary care and a
pioneer in the delivery of value-based care. Kinnevik led the USD
100m Series B and will own 10% of VillageMD after the funding
round. VillageMD enables physicians to move towards a primary
care-led, risk-bearing clinical model that produces high quality care for
patients and strong economic value to physicians. The company was
founded in 2013 and has grown to serve more than 2,500 physicians
across eight markets in the US. The company cares for approximately
500,000 lives and oversees over USD 3 billion in total medical spend in
value-based contracts. VillageMD has a track record in reducing
medical spend, improving health and achieving high patient
satisfaction.
Executive Commentary
Kinnevik’s CEO, commented: “We are delighted to lead the funding round in
VillageMD, a company focused on delivering healthier patients, happier
physicians and better outcomes. We have been impressed by the company’s
technology, operational and clinical support capabilities, as well as its robust
business model. We see VillageMD, our fourth investment in healthcare, as
highly complementary to our existing portfolio given its ability to influence a
population’s entire healthcare spend. We look forward to supporting VillageMD
as the company continues to grow the business.”
Executive Commentary
Description
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CNO Financial Group and Bankers Life, the national life and health insurer,
announced that it is supporting the Alzheimer's Association with $369,000 for
Alzheimer's care, education and research programs. In June, Bankers Life hosted its
17th annual Forget Me Not Days fundraising campaign in honor of National
Alzheimer's and Brain Awareness Month, and in partnership with the Alzheimer's
Association's The Longest Day fundraiser. The campaign raised $190,000 for the
Association through public donations and associate contributions.In addition, CNO
Financial and Bankers Life recognized the Alzheimer's Association with a $179,000
corporate donation to support its national mission of eliminating Alzheimer's disease.
Funds also will support local Walk to End Alzheimer's events in Chicago and
Indianapolis where the company has corporate offices.
Executive Commentary
"Our support of the Alzheimer's Association and its search for a cure aligns with
our corporate commitment to help protect the health and retirement needs of
middle-income Americans," said chief operations and technology officer for
CNO. Baude serves on the national board of directors of the Alzheimer's
Association as well as on the board of the Greater Indiana Chapter. "At CNO,
we are proud to advocate for organizations that positively impact the
communities where our customers and associates live and work."
Description
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Assured Guaranty Ltd. (together with its subsidiaries, Assured Guaranty), the leading
financial guaranty insurance company, announced that its subsidiary Assured
Guaranty US Holdings Inc. (AGUS) has entered into an agreement to purchase all of
the outstanding equity interests in BlueMountain Capital Management, LLC
(BlueMountain) and its associated entities for a purchase price of approximately $160
million, subject to certain adjustments. BlueMountain is an alternative asset
management firm with $19.3 billion in assets under management (AUM).The
acquisition is expected to be completed in the fourth quarter of 2019, subject to
certain customary closing conditions, including the receipt of consents and regulatory
approval. As part of the agreement, BlueMountain’s co-founder, Chief Executive
Officer and Chief Investment Officer, intends to join Assured Guaranty as Chief
Investment Officer and Head of Asset Management, which will include his current
roles at BlueMountain.
Executive Commentary
“We have been searching for the right asset management platform for over three years, and we
found it in BlueMountain, a seasoned asset management firm with a compatible credit culture,
complementary market knowledge and the scale to make a material contribution to Assured
Guaranty’s profitability,” said Assured Guaranty President and CEO Dominic. “BlueMountain will
be our largest and most important investment outside the financial guaranty sector. We expect to
allocate a portion of our financial guaranty subsidiaries’ investment portfolios to be managed by
our new asset management platform and believe that will drive improvement in our overall
investment returns, which should raise the future level of insurance subsidiary permitted dividends.
The acquisition is consistent with our strategic objective to diversify into fee-based revenue
sources, and we expect this platform to be the basis for further development of our presence in the
asset management sector. We are delighted that Andrew Feldstein will join Assured Guaranty to
execute this strategy.”
For more details, please click the link below:
https://assuredguaranty.newshq.businesswire.com/press-release/assured-guaranty-acquire-asset-management-firm-bluemountain
Solution Descriptio n
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Solution Descriptio n
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Sberbank’s clients, Sberbank Online app’s users, now can pay
for their purchases using smart phones through the Pay QR
payment service. The QR code payment allows Sberbank’s
clients to make cashless payments at outlets where there is no
traditional acquiring. Pay QR allows small and micro
businesses to accept cashless payments from consumers without
additional equipment. The cashless payment traditionally helps
to increase sales, and QR codes make it possible with minimum
expenses for business. It is enough for sellers to have a QR
code from Sberbank which client will scan using their smart
phones through Sberbank Online app. The system is very easy
even for cashiers who can see all needed information on
purchases in Sberbank Business Online, mobile app for legal
entities.The QR payment allows Sberbank’s clients, individuals,
to make cashless payments at all outlets where there is no
traditional acquiring: markets, domestic service outlets, small
beauty salons, and flower shops, and receive Thank You
bonuses at the same time.
New U.S. Bank mobile app delivers 100 million Insights, adds
dozens of new features and now available on Android
Solution Descriptio n
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Solution Descriptio n
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Chubb has introduced CoverPlus℠ – a new platform offering
expanded liability-driven products tailored to the ever evolving risks
faced by middle market manufacturers as they embrace new
technologies and processes to remain competitive. CoverPlus℠
features a custom-tailored suite of coordinated insurance products
designed to fill the potential gaps which are typically inherent in
traditional insurance programs, and offers flexible and integrated
enhancements to address an array of exposures, including scalable
pollution liability, product withdrawal expense, errors and omissions
liability, and cyber liability. According to research jointly developed
with Ohio State University's National Center for the Middle Market
(NCMM) and Chubb, nearly 50% of manufacturers view risks
emanating from advanced manufacturing techniques as extremely
challenging. In addition, 71% of manufacturers believe their role in the
supply chain has become increasingly important and more
collaborative with suppliers. Both of these trends suggest a more
holistic approach to risk management is critical for manufacturers.
Solution Descriptio n
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Unicaja Banco has launched its new Univerde Credit system, a specific product
for farmers that allows flexibility in the payment of purchases of inputs
necessary for its activity through the UniverdeCard , a professional agricultural
card for exclusive use in shops adhered to the Univerde agreement. The
Universal Credit system implies an improvement and expansion of the payment
modalities, since to the traditional debit, end of month and postponed
modalities, the fractional payment modality is added. This makes the Universal
Credit a completely flexible and innovative system in the sector, which adapts
to all types of crops and areas. Unicaja Banco provides great support for
agriculture, which is reflected in the continuous adaptation of its products to the
needs of farmers and companies in the sector, as well as in the creation of a
wide range of specialized financial products and services and in interesting
conditions, ranging from intensive crops, herbaceous crops, woody crops,
industrial crops, wine growers or livestock farmers, to the food industry and
marketing companies. Unicaja Banco has launched its new Univerde Credit
system , a specific product for farmers that allows flexibility in the payment of
purchases of inputs necessary for its activity through the Univerde Card , a
professional agricultural card for exclusive use in shops adhered to the
Univerde agreement ( more than 600 establishments).
Solution Descriptio n
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August 21, 2019 – Mastercard announced it has expanded its existing,
global partnership with Riot Games League of Legends esports into
financial services category exclusivity for the League of Legends
Championship Series (LCS), the preeminent esports series in North
America, deepening its relationship with the largest esport in the world
and reinforcing its support of the esports community. Additionally,
Mastercard introduced “Together Start Something Priceless,” a League
of Legends community driven content series that will showcase unique
stories of League of Legends players around the world.As the
exclusive financial services category sponsor for the LCS, beginning
with this weekend’s Summer Split Finals in Detroit, Mastercard will
curate a wide range of Priceless experiences and exclusive cardholder
benefits across onsite event activations, via Priceless.com and through
other to-be-announced promotions to bring cardholders closer to their
passion and help fans experience what they love about League of
Legends competitions. Mastercard will also partner with the platform
to integrate payment technology that drives a simple and secure
payment experience.
Description
45
On the sidelines of the 7th edition of TICA, which took
place this year in Yokohama, a partnership agreement was
signed between the Attijariwafa bank group. and Mizuho
Bank, one of the largest banking and financial groups in
Japan. The agreement was signed byChief Executive Officer
of Attijariwafa bank Group and Managing Executive Officer,
Head of EMEA, Mizuho Bank & Mizuho Financial Group.
Attended this ceremony MM. Youssef ROUISSI, DGA in
charge of Corporate and Investment Banking of the
Attijariwafa bank group, Executive Director and head of
Asia at the Transactional Bank of the Group. Under this
memorandum, both parties agree to formalize a cooperation
framework to promote the sharing of good practices in
banking, finance and business. The terms of this agreement
stipulate, in particular, cooperation in the areas of corporate
banking, international trade operations, project finance and
capital markets.
Description
46
Assurant, Inc., a global provider of housing and lifestyle solutions that
support, protect and connect major consumer purchases, announced a new
partnership with Deposify, a European fintech company, that has developed
an industry-first technology solution for managing refundable cash security
deposits. As a result of this partnership with Deposify, Assurant’s property
management clients will now have access to a cash security deposit
management platform that simplifies the financial and operational process
and mitigates the risks associated with traditional cash security deposits.
Deposify’s technology platform also helps keep property managers
compliant with each state’s security deposit laws and regulations by
creating joint trust accounts that pay interest. Currently available in the
Northeast, the service will be rolled out nationally in the coming
months.Before Deposify, managing cash security deposits was complex
and costly, especially when managing large numbers of properties in
multiple states. The Deposify platform helps owners and property
management companies manage banking, payments, compliance and
dispute resolution quickly and easily and at no charge. According to a
recent national poll of renters by Assurant, 34 percent of renters had issues
receiving their security deposit refund after they moved out.
Description
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Bank Muscat, the flagship financial services provider in the
Sultanate, and The International School of Choueifat have signed
an agreement for a new initiative that will allow the school to be
linked to the Remote Deposit Capture (RDC) facility offered by
Bank Muscat. Remote Deposit Capture is an online cheque
clearing solution, facilitating faster clearance and efficiencies in
account receivables. Using Bank Muscat’s RDC solution, The
International School of Choueifat will be able to scan the images of
cheques from the school office before these cheques are physically
submitted to the bank for clearing. This will facilitate faster credit
with complete management information services (MIS) to save
time, effort and cost for The International School of Choueifat in
handling its fees and other collections. The agreement was signed
by Tariq Atiq, DGM - Transaction & Public Sector Banking, Bank
Muscat, and Armen Mansourian, School Director at The
International School of Choueifat, recently and comes as part of the
Bank’s initiative to onboard more businesses and organisations to
the various digital solutions and services provided by the bank.
Description
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projects.
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Sberbank has concluded an agreement on cooperation
with the government of the Samara Region to implement
joint projects and activities that are aimed to create and
develop workforce capacity in the region. The document
was signed by First Deputy Chairman of the Executive
Board of Sberbank Alexander Vedyakhin and Governor of
the Samara Region Dmitry Azarov. Under the agreement,
the parties will cooperate to implement joint activities that
are aimed to create workforce capacity among students
and employees in the Samara Region to further employ
them at Sberbank, state organisations and agencies, as
well as to form a candidate pool to implement state
initiatives and key projects of the country and region.
For more details, please click the link below:
https://www.sberbank.com/news-and-media/press-releases/article?newsID=a6796694-cf2d-45e4-a94a-1b755a34d237&blockID=7®ionID=77&lang=en&type=NEWS
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The Billion Dollar Roundtable Inc. (BDR) announced that JPMorgan
Chase & Co. has joined the top-level corporate supplier diversity
advocacy organization as its newest member company. JPMorgan
Chase, the global financial services firm whose corporate history dates
back more than 200 years, joins an exclusive group of U.S.-based
corporations that have attained $1 billion or more in annual Tier 1
supply-chain diversity spend, the threshold for BDR
membership.JPMorgan Chase will be inducted formally into the
organization during the BDR Annual Summit Aug. 21-22, 2019, in
Basking Ridge, N.J.JPMorgan Chase’s Global Supplier Diversity
mission aligns the company’s supply and consumer bases, engaging
with certified and qualified diverse businesses, including companies
owned and operated by minorities, women, military veterans, disabled
veterans, service-disabled veterans, people with disabilities and
members of the LGBT+ community, in the interest of promoting
economic growth in the communities it serves. In 2018 alone,
JPMorgan Chase’s spend with diverse suppliers surpassed $2 billion.
Description
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Allianz has agreed to acquire automobile and other Property-Casualty
operations from SulAmérica. The acquisition will strengthen the
competitive position of Allianz in Brazil, making it one of the top 3
insurers with a market share of around 15 percent in motor and 9
percent in Property-Casualty insurance and establishing Allianz as the
number 2 in motor insurance. The purchase price is 3 billion Brazilian
real (667 million euros).The total premium income from the acquired
entity totaled approximately 806 million euros in 2018, with 762
million euros stemming from motor and 45 million euros stemming
from other Property-Casualty operations. Pro-forma premium income
of the combined entity is 1.5 billion euros with 1.2 billion euros related
to Motor business. With a premium volume of approximately 16
billion euros and a growth rate of 6.0 percent in 2018 alone, the market
for Property-Casualty insurance in Brazil is very attractive.The
transaction enlarges the service offering for customers and provides an
opportunity to grow Allianz’s geographical footprint in Brazil. It also
allows further investment in digital and disruptive technologies to
energize the industry and continue to deliver first-class solutions for
local brokers and customers.
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Sberbank has held its first corporate target practice
competitions using VR technology for the CIT and
security services, during which employees of all 11
Regional Banks took part online. A unique VR
simulator developed by the AR/VR Laboratory and
Sberbank’s CIT Service was used during the
competitions. Thanks to innovative technology, the
VR simulator allows situation-based training
sessions to be held, imitates shooting conditions that
are as close to real ones as possible, and allows the
actions of employees of the CIT and security services
to be appraised in multiuser mode. At the same time,
during the VR technology competitions, a weapon
that corresponds to the real one in terms of weight
and mechanic and ballistic capabilities is used.
For more details, please click the link below:
https://www.sberbank.com/news-and-media/press-releases/article?newsID=eb0e6b77-bc75-404b-90ea-c82e27cc9769&blockID=7®ionID=77&lang=en&type=NEWS
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First National Bank, the largest subsidiary of F.N.B.
Corporation announced plans to open a Washington, D.C.,
retail location at 900 19th Street. FNB also plans to develop
additional de novo locations in the D.C. Metro area and in
northern Virginia. The expansion of its consumer banking
services in these strategic geographic locations further
enhances the Company’s retail strategy and corporate
banking efforts in these attractive markets. The addition of
the Bank’s new 19th Street location builds on FNB’s
previous commercial expansion in the region, which
included the addition of significant government contracting
expertise as well as extended focus within its Business
Banking group. Through its existing presence in the market,
the Bank has successfully grown loans, deposits and
non-interest income, in addition to providing services such
as Wealth Management, Treasury Management, International
Banking and Capital Markets in the D.C. Metro area.
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