The Group’s revenue increased 20% to $807.7 million9 and EBITDA increased by 22%, finishing the year at $463.7 million.10 I am pleased to report the Board 7. 22 . the Department of Foreign Affairs and Trade (DFAT), some mandatory annual report information for ASNO is incorporated in the Financial statements 127 Auditors report 128 Primary financial statements 134 Notes to the financial statements 142 . 0000000998 00000 n This ESG Supplement accompanies our annual report and provides a data-driven summary of our sustainability performance. 25,872 (2018) Parent: Santander Group: Divisions: Cahoot Santander Corporate and Commercial Banking Santander Private Banking: Subsidiaries: Abbey National Treasury Services Cater Allen: Website: www.santander.co.uk: Santander UK plc (UK: / ˌ s æ n t ən ˈ d ɛər,-t æ n-/, US: / ˌ s ɑː n t ɑː n ˈ d ɛər /) is a British bank, wholly owned by the Spanish Santander Group. 2020 Annual Report SCB. endstream %PDF-1.4 %���� Annual Report Santander Chile today Awards 2017 Letter from the Chairman of the Board Letter from the CEO and Country Head Board of Directors Administration 04 06 10 14 20 24 This annual report is also available online at www.santander.cl 1 2 3. Bike management contract . endobj Likewise, Santander Visit website. 1 as at 10 September 2018 under EMTN Programme (PDF) Interest table (PDF) Current Report No. has an online version. Santander UK Annual Report and Accounts . 2019/05/08 Time period. Calls may be recorded or monitored. 37.66 KB. 8 . 0000001255 00000 n Banco Santander (BSBR) SEC Filing 20-F Annual report for the fiscal year ending Thursday, December 31, 2020. With every visit and with every gift, you are saving animals in the wild. ... Rates & FX - 2018 Year Ahead: No Easy Way Out. 2015 annual report . 16 . 04/24/18. Based in Dallas, Texas. endobj 3. 8 . 117 0 obj 125 0 obj 79 . REPORT ON THE ANNUAL ACCOUNTS Opinion _____ We have audited the annual accounts of Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter the “Bank”), which comprise the balance sheet as of 31 December 2017, and the income statement, statement of recognized income and expenses, statement of changes in equity, statement of cash flows and the notes thereto for the year then ended In our … January 2018 – December 2018 Files endobj Annual reports. Your approved limit will be periodically reviewed and may be subject to increases or decreases. Interest & Exchange - Steady, as she goes. Annual. Banco Santander’s . Best Annual Report of the Financial Sector The Informe Reporta 2018 developed by DEVA agency, bestowed Banco Santander’s annual report first place among the whole financial sector (banks and financial institutions), and as a leader in transparency, scoring 23.4 points out of 25 in this principle. Banco Santander (BSBR) 20-F Annual Report Fri Feb 26 2021. Risk review 52 . Moreover, Santander is externally recognised by the Dow Jones Sustainability Index. During 2018, Santander was once again an example of soundness, trust and prestige. 2015 annual report . Registered in England and Wales. The competition awarded the best corporate social responsibility reports. 82 . Santander UK plc 1 Santander UK plc Annual Report 2016 Subsidiaries, joint ve 273 Important information for readers Santander UK plc and its subsidiaries (collectively Santander U 1 Annual Report and Accounts 2018 Building society, nationwide 2018 highlights We are the world’s largest building society. �)�{tg�Y$c2�\{��j��]P�K�Q��l��g� ��J��^�"'�z]M]CSK����&��m3+�6m����{xzy���4$��sdl\|Bbҋ䔬�ܼ��¢7o�1�U�5�?|lnimk�����:=3;7���������o����k�)@T?zu��[� �]���~QRSSQ�������&j�K��*�t��O��)���]z�OJ=�qص=��:��z�[���_# * Box 961245 Fort Worth, TX 76161-1245 1-800-493-8219 Email 12 months to March 2019: 21.5%, 12 months to March 2018: 18.9%. �P�}N��i:?�߻��A��7��̐�M�p�}�H5X�}=?r�=���W��ҥ�K�����Od(����G�D�n��Z�:�XAM�Ji(;U�8! Acessar . 109 . h�b```c``2a`b`0�� �� 6CC���C����6Z6���.L�1J�Ss_R��l��)NR��Q�d30�1�3�000�\l�h�h �0p� iF �` &k Peter Godfrey) Introduc ti on The Chairman welcomed residents and Cllr Kolker (CEC) to the meeting. Management Report and Auditors' Report for the year 2018 . The Annual Report of the Banco de España reviews economic and financial developments in the Spanish economy and the main risks and vulnerabilities it faces in the short and long term. 0000000016 00000 n 2017 Annual Report SCB. Shareholder information 215 … <>stream In accordance with its reporting obligations, the Lebanese state reported to United Nations (UN) human rights bodies throughout 2018. Environmental, Social and Governance Supplement 2020, Sustainable economic growth and financial inclusion, Upholding the highest ethical standards and fighting financial crime. Statements of recognized … Our Financial Services Register number is 106054. <<7521831BD1ACB2110A0040B61541FF7F>]/Prev 676048>> 0000021983 00000 n Telephone 0800 389 7000. Access it via this link. In 2018 the Bank Buscar . Proposal Banco Santander Totta SA . We thank you for your continuing interest in Santander Consumer USA, and we hope you will attend the Annual Meeting. Santander Consumer USA Holdings Inc. (NYSE: SC) is a full-service, technology-driven consumer finance company focused … Social responsibility plays an important role in Santander Bank Polska’s Strategy for 2020-2022, and the CSR Report is one of the most important reports for us. Santander Brand . 2008 Annual Report SCB. Investegate takes no responsibility for the accuracy of the information within this site. Coroners Act 2003. 1. There are also reports with forecasts for several exchange rates complemented by an analysis of main themes and risks involving each one. Public health has a direct impact on the quality of life for all Alabamians, and some of the highlights of the year follow. <>stream Jana Pawła II 17, 00-854 Warszawa, registered in the District Court for the capital city of Warsaw, 12th Commercial Division of the National Court Register, under KRS no. Our Connect Help Centre contains a wealth of guidance and frequently asked questions. SC Holdings Investor Relations P.O. has an online version. <>>>/Rotate 0/Type/Page>> 107 . Banco Santander's 2018 Annual Report is also available and can be accessed from different digital devices by scanning the QR code. • report on ASNO’s performance during 2018–19 • key features of ASNO’s corporate governance and the processes by which ASNO is directed, administered and held accountable. Santander and the flame logo are registered trademarks. The 2018-19 Annual Report of the Coroners Court of Queensland marks the fifteenth anniversary of the commencement of the . Banco Santander’s board of directors. We thrive when our members thrive, and this has been another strong year for us. Last publication. ... compliant with Basel III criteria of more than 11% by December 2018, when our regulatory requirement will be 10.5%. All rights reserved. detailed in this annual report. better world . >�z +�K��`�� �EwVB����l�r8|&hS��o\��[$�� Because ASNO is funded as a division of . 2019 . In 2018 the Group reported €7.8Bn attributable profit, underlying Return on Tangible Equity (RoTE) of 12.1% and a best in class cost-to-income ratio of 47.0%. Banco Santander Totta, SA – 2018 Annual Report 5 Message of the Chairman of the Board of Directors . CHAIRMAN’S REPORT 2017-2018 (Cllr. In the event of a discrepancy, the Spanish-language version prevails. The corporate governance report examined by the auditors can be found on pages 56–64. Santander UK plc financial results and presentations. A summary of material topics for 2018. and 2019 is presented in the form of a table. `�@О��X��q7�v��"��&u�wEQ3���t���r��@�ij, �?�?B�O�T46�D�藸 �#u��3#�i�4,��R�{��ܻZ����� Y�j��(ӹK6=>j\t�员�o�YOR���? 10/2020. 1001-5000 Employees. 4 2018 comparative has been restated to reflect a change in the components of underlying profit. Building thriving membership More … The following report highlights Lebanon’s improvements and setbacks on the most pressing human rights issues throughout 2018. *All lending is subject to status and lending criteria. Sincerely, William Rainer See page 27 for more information. 10 NSSGA 2018 ANNUAL REPORT ROCKPAC GROWTH CONTINUES 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000* 1999 1998 1997 AMOUNT RAISED $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,00 $800,000 *Plus $29,739.27 Transferred from SANDPAC Together we can achieve more. This page intentionally blank . 2018, including information and analysis about complaint numbers, complaint types, and, where applicable, information about the resolution of complaints.9 9 This report fulfills the reporting requirements of Dodd-Frank Act Section 1013(b)(3)(C), which instructs the Bureau to report on the complaints received by the Bureau in the prior year. COP 2018 - Banco Santander Chile Participant. Registered Ofce: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. �h�����X�z0���y �g}�P����h/�Nj�g5�7��"�Ww [��ao�~�b�nM�xG��r|}ַ?�1碻�W��KD��Gl�Q�. 78 . Banco Santander (SAN SM, STD US, BNC LN) is a leading retail and commercial bank, headquartered in Spain, with a meaningful market share in 10 core countries in Europe and the Americas. Ownership structure . 20-F Annual Report; 20-F YoY Changes; Banco Santander Ticker: BSBR CIK: 1471055; View differences made from one year to another to evaluate Banco Santander's financial trajectory. 2018” refer to the Amusement Today 2018 Golden Ticket Awards, Vol. RNS Number: 2068 X Banco Santander S.A. 30 April 2021 Banco Santander, S.A. 30 April 2020. Banco Santander Totta, S.A. 1 Annual . Planując nasze aktywności w zakresie społecznej odpowiedzialności biznesu mamy proste założenie – chcemy być wszędzie tam, gdzie widzimy potrzebę i możemy … Perhaps the best report is that Alabama’s infant mortality rate of x�}XS۶n�(� ���tMA ҥ�Q��Fz!�-h�]� Banco Santander Totta SA Table of Indicators. FX Compass - November 2017. Authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Copyright © Santander UK plc. I am pleased to present the Annual Report of the Alabama Department of Public Health (ADPH) for 2018. Way . Banco Santander Chile; Published. 3. SC Holdings Investor Relations P.O. 7. 252.67 KB. 2020 Santander UK Scorecard. 2345 annual review 5 Santander is one of the ten most highly ranked banks ... of this report Banco Santander to sponsor of the UEFA Champions League the Bank announced in november that it will be the ... equity (rote) for 2018 from 11.0% to 11.5%. It also delivered reports … Download this Press Release PDF Format (opens in new window) Total Auto Originations of $6.3 Billion Increased 18% YoY, with Increased Volume Across All Origination Channels. santander.pt . Authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 2012 Annual Report SCB. 0000008723, NIP: 896-000-56-73. has an online version. SEC Filings . Popular docking stations and trips 3. Those four simple words get to the heart of what it means to be a patron and supporter of the Zoo. 8 | P a g e . 2013 Annual Report SCB. 2017 Annual Report Santander UK plc Part of the Banco Santander group . PDF. 120 0 obj (�2�Ճ�[e��[X�|NS�w"U 71Fņ�l�Hz�^��r��h)b�0gϽ{/���%�G9��ߏ*B?�m���V�a���~\3nu= )�E��2.�_�H��j��?��k��׽���Blk/����](h�> ��2 has an online version. ... compliant with Basel III criteria of more than 11% by December 2018, when our regulatory requirement will be 10.5%. Santander UK plc Annual Report 2018 . Volume of Santander Cycle hires 2. New memberships and customer statistics 4. Previous versions. The Annual Meeting will begin promptly at 2 p.m., Central Time, at 1601 Elm Street, Suite 800, Dallas, TX 75201. P"�t@1��spt��r�� U5� ������읫��W��r�ڝ_ܲc�������)ͯ{��wv��'��-O��33��_��Í�1��B=LEqD�DA�Dq��(h(~�o��?%5 -ݑ��ǀ0'A�TT��T44�� �%������� % CANON_PFINF_TYPE2_TEXTOFF This page intentionally blank . Santander Group . Home. 105 . Transparency and independence. We undertake no obligation to update or revise publicly any forward-looking statements. From efforts to 0000000476 00000 n Investegate announcements from Santander UK Plc, Publication of a Prospectus . Access it via this link. <> Financial Statements . 7. Shareholder rights and the general shareholders’ meeting. Access it via this link. Annual report. ANNUAL REPORT 2018 PART 1: Finnish Minerals Group 6 Overview of Finnish Minerals Group A state-owned company focusing on the battery and mining cluster 8 CEO’s review More benefits for Finland from mining 10 Chairman’s review The electrification of transport supports the reduction of greenhouse gas emissions 12 Investments working for a . 118 0 obj Santander Totta, SGPS –2018 Annual Report 6 . We closed 2018 with a net income of €470 million, maintaining continuous support for Portuguese families and companies, both in Registered Number 2294747. 2018. 3. You can also call this number at any time to report a lost or stolen card. Annual Report 2018 Due to rounding, numbers presented in this Annual Report may not add up precisely to the totals provided. %%EOF Santander is a reference institution in the Portuguese financial sector, with a broad customer base, providing a network of physical contacts and digital channels, which allow the financial needs of its customers to be taken into account in a simple, fast and convenient manner. This report highlights the many ways you helped wildlife in 2018. startxref 74 Corporate governance report 76 . 1. You are invited to attend the Annual Meeting of Stockholders on Tuesday, June 11, 2019. Investegate announcements from Banco Santander S.A., 2020 Banco Santander Annual Report 2011 Annual Report SCB. Santander Bank Polska received the main prize in the CSR Report category. Executive summary. Banco Santander’s . Santander UK plc. 3 Pay.UK monthly CASS data. endstream 2016 Annual Report SCB. endobj 2015 annual report . Message from Ana Botín, Group executive chairman. General Aviation: • Includes over 446,000 general aviation aircraft flying worldwide today, ranging from two-seat training aircraft and utility helicopters to intercontinental business jets, of which over 211,000 aircraft are based in the United States and over 136,000 aircraft Latest and archived financial results announcements, including Quarterly Management Statements, Investor Update presentations, webcasts and other supporting information Santander Consumer Finance, S.A. and Companies composing the Santander Consumer Finance Group (Consolidated) Consolidated Financial Statements and Consolidated Directors’ Report for the year ended 31 December 2012 Translation of a report originally issued in Spanish based on our work performed in accordance with the audit the increase reflected the improved economic outlook in … Volume of Santander Cycle Hires Fig 1 – member and casual hires Fig 2 – monthly hires Month Member Hires Casual Hires Total Hires Year on year difference Jan 18 459,261 186,719 645,980 7,489 Feb 18 403,685 172,867 576,552 - 41,998 Mar 18 … <> Santander UK Annual Report and Accounts. QA ANNUAL REPORT 2018 3 STRATEGIC REPORT KEY HIGHLIGHTS 4 CEO’S STRATEGIC REVIEW 6 OUR STRATEGY 18 CHAIRMAN’S REVIEW 20 CFO STATEMENT 32 GOVERNANCE THE MANAGEMENT BOARD 22 ENVIRONMENTAL RESPONSIBILITY 26 SOCIAL RESPONSIBILITY 28 DIVERSITY AND INCLUSION 30 FINANCIAL STATEMENTS 40 QA is one of the UK’s leading digital CONTENTS education and skills … Consolidated Financial Statements of Santander Bank Polska S.A. Group For 2018. Supplement no. Report . Right. Santander UK plc 1 . ... 2017. 2015 Annual Report SCB. EMTN Programme Santander Bank Polska Base Prospectus 05 2020 (PDF) Santander Bank Polska Statut (PDF) Santander Bank Polska Group annual report 2019 (PDF) Santander Bank Polska Group annual report 2018 (PDF) 2018 Annual Report SCB. management team. Access it via this link. trailer Epiroc reports its sustainability work for 2018 according to Global Reporting Initiative (GRI) Standards version 2016, “Core” option. Terms and conditions apply. App Santander Empresas. Santander Bank Polska S.A. with its registered office in Warsaw, al. DALLAS, April 24, 2018 /PRNewswire/ -- Santander Consumer USA Holdings Inc. (NYSE: SC) ("SC") … 1.26 MB. Sample 10-K Year … 2018 Annual Report | 2 Santander at a glance Highlights in 2018 PBT Gross Outstanding Loans 4 134 162 802 +3% +10% Country Total gross outstating loans Auto Loans Unsecured Loans Profit before tax Norway 36% 448,2 Bn 11,0 Bn 1 606 MM Denmark 20% 426,0 Bn 6,2 Bn 854 MM Finland 21% 431,4 Bn 2,8 Bn 664 MM Sweden 23% 422,8 Bn 14,4 Bn 1 010 MM Apple Pay Launched in Denmark … endobj Santander UK plc Annual Report 2017 Santander UK plc 1 Strategic report 2 ... 2018 outlook remains uncertain We anticipate that the UK economy will continue to grow in 2018… Net income for the full year 2018 ("2018") … Title: Annual Report 31st December 2018- Created Date: 20190418050036Z review. www.santander.co.uk. Lloyds Bank, NatWest, TSB and Santander. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. #The. excluding the subsidiaries of Banco santander, s.A. (spain), the figure was 51,241 employees. Financial review 5 . J 2014 Annual report SCB. “The intellectual property rights and rights of exploitation of the information included in the present 2018 Annual Report, as well as its appearance and design, are the exclusive property of Industrial Farmacéutica Cantabria S.A. Registered Ofce: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. www.santander.co.uk. Our team Client at the center Value creation for shareholders <>stream 2018 - 19 ANNUAL REPORT Coroners Court of Queensland . 0000021069 00000 n 6oup Annual Report 2018 REA Gr Year in review Double digit growth We have had another year of record results for REA Group, delivering double digit growth across Australia and Asia. 2009 AnnuAl RePoRt Key IndIcAtoRs 4 endobj Let’s continue. STATE CORONER ’ S OVERVIEW . P. 1 Translation of the Financial Statements originally issued in Spanish and prepared in accordance with Circular 4/2017 (see Notes 1 and 52). Unless otherwise noted, attendance rankings included in this Annual Report on Form 10-K are based on the TEA/AECOM 2017 Report. UK Taxation Strategy. Sustainability report 2018.pdf. Introduction. 2015 annual report . 8 . Message from Ana Botín, Group executive chairman. Governance 18 Board of Directors 19 Corporate governance report 22 Directors remuneration report 41 Directors report 48 . Strategic report 2 . Banco santander sa annual report 2018 3 comentarios 0 recomendaciones Estadísticas Notas Sé el primero en recomendar esto No hay notas en la diapositiva. Corporate governance. 0 ( pain) headquartered in Brazil. 2018A report end of January - March #SimplePersonalFair 2. For any enquiries about Connect or Connect Plus that you can’t find in the help centre, please call 0800 085 1580* Online resources. 2018 Annual Report Santander UK plc Part of the Banco Santander group . Telephone 0800 389 7000. Registered in England and Wales. Includes Banco santander (Brazil) .A., its subsidiaries consolidated in the balance sheet and certain subsidiaries of Banco antander, .A. Santander UK plc. It is the largest bank in the Eurozone with a market capitalization of €64,508 million at 31 December 2018. 121 0 obj Calls may be recorded or monitored. PDF: Opinion and Report of The Independent Auditor. The correction was made to „About Santander Bank Polska” and concerned the numbers of ATMs, CDMs and dual-function machines in 2017 and 2018. Santander Bank Polska S.A. with its registered office in Warsaw, al. Banco Santander Totta, SA – 2018 Annual Report 6 Message from the Chairman of the Executive Committee Dear Stakeholders, The year under review was a very important year in the history of Banco Santander in Portugal. 459.56 KB. Santander Holdings USA Terminated 2015 Written Agreement, Company Completed $200 Million Share Repurchase Plan and Declares $0.20 Per Share Cash Dividend Santander Consumer USA Holdings Inc. (NYSE: SC) ("SC") today announced net income for the fourth quarter ended December 31, 2018 ("Q4 2018") of $104 million, or $0.29 per diluted common share. Online Banking . Box 961245 Fort Worth, TX 76161-1245 1-800-493-8219 Email 0000008723, NIP: 896-000-56-73. This Report has also corrected some of the information published in previous years. Message from José Antonio Álvarez, chief executive officer. 122 0 obj xref Modern Slavery Statement 2019. 22, issue 6.2 dated September 2018. 2009 Annual Report SCB. Contents . *All intraday prices are subject to a delay of fifteen (15) minutes. 2019 Annual Report SCB. 1 TO OUR SHAREHOLDERS 5 Letter to Shareholders 8 Managing Board 9 Report of the Supervisory Board 14 Supervisory Board 15 HUGO BOSS on the Capital Market 2 COMBINED MANAGEMENT REPORT 21 Group Proile 21 Business Activities and x5�A 119 0 obj Particular attention is paid to the international environment, the euro area and economic policies. Message from Ana Botín, Group executive chairman. The report has to be approved by the Governing Council of the Banco de España and is accompanied by a … <>stream Annual report. 2018 AnnuAl RepoRt. ... Banco Santander’s . Income statements ..... 7 . PDF. Annual Report Santander Chile today Awards 2017 Letter from the Chairman of the Board Letter from the CEO and Country Head Board of Directors Administration 04 06 10 14 20 24 This annual report is also available online at www.santander.cl 1 2 3. endstream 2010 Annual Report SCB. 117 9 to differ materially from the forward-looking statements, including the risks and uncertainties discussed in Item 1A – Risk Factors of this Annual Report. 0000000670 00000 n Registered Number 2294747. 0000001076 00000 n Jana Pawła II 17, 00-854 Warszawa, registered in the District Court for the capital city of Warsaw, 12th Commercial Division of the National Court Register, under KRS no. Balance sheets ..... 4 . Gender Pay Report 2020. Santander Consumer USA Holdings Inc. Reports First Quarter 2018 Net Income of $242 million. 2018 Annual Report; PDF ; 2017 Annual Report; PDF ; 2016 Annual Report; PDF ; Show 3 more archives; 2015 Annual Report; PDF ; 2014 Annual Report; PDF ; 2013 Annual Report; PDF ; About Santander Consumer USA Hold. Banco Santander Totta, S.A. 2. He indicated that whilst his report for 2016/17 was dominated by 3 major projects; fighting the Gladman Appeal, completing the Scout Hut and Youth Facility and developing the Goostrey Neighbourhood Plan. 0000000758 00000 n ... Banco Santander’s . A%�"*U�C�.�$@ o�>g�s�w�}���{�{�ltf�o�5g�s�9��3�S����Z� About this report The audited annual accounts and con - solidated accounts can be found on pages 24–37 and 65–122. PDF. Thrive, and some of the Banco Santander S.A. 30 April 2021 Banco S.A.... Environment, the figure was 51,241 employees Polska received the main prize in the components of underlying profit GRI Standards... 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Visit and with every visit and with every visit and with every,... We undertake No obligation to Update or revise publicly any forward-looking statements the Dow Jones sustainability Index for... Directors remuneration Report 41 Directors Report 48 sustainability performance reports its sustainability work 2018. 10-K year … Management Report and Accounts 2018 Building society, nationwide 2018 highlights we are the world ’ infant. Information Annual Connect Help Centre contains a wealth of guidance and frequently asked questions from... 2018 under EMTN Programme ( PDF ) interest table ( PDF ) table! Once again an example of soundness, trust and prestige ) Standards version 2016, Core!, Regent 's Place, London, NW1 3AN, United Kingdom table ( PDF ) Current No! Environment, the figure was 51,241 employees on pages 56–64 the Eurozone with a market capitalization of €64,508 million 31., Vol under EMTN Programme ( PDF ) interest table ( PDF ) table... 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Any time to Report a lost or stolen card Polska S.A. group santander annual report 2018 pdf 2018 S.A. spain! Bodies throughout 2018 from Santander UK plc, Publication of a table Help Centre contains wealth... Usa, and this has been another strong year for us Report 6, 12 months to March 2019 21.5! Was 51,241 employees interest in Santander Consumer USA, and this has been another strong for... Results announcements, including Quarterly Management statements, Investor Update presentations, webcasts other! Reporting Initiative ( GRI ) Standards version 2016, “ Core ” option compliant with Basel III criteria more. With its reporting obligations, the figure was 51,241 employees Bank Polska the! Initiative ( GRI ) Standards version 2016, “ Core ” option highlights. And frequently asked questions forward-looking statements the Chairman welcomed residents and Cllr (.