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At Citi, we want to empower them with an account that provides smart - very smart - financial services built from the ground up with financial wellness and mobile functionality at its core. The Citi Plex Account is a new digital checking and savings account built to make managing money simpler, smarter, safer and more rewarding, with financial wellness and mobile functionality at the core of the design.
It aligns seamlessly with our U. Consumer Bank strategy, giving us a platform to drive significant scale in our Retail Bank by unlocking the power of our respective ecosystems to deepen our existing relationships and serve a larger and new generation of customers. The Citi Plex Account is Citi's first-ever bundled checking and savings account solution. With extensive user experience and account management features powered by Google, the Citi Plex Account is designed to integrate seamlessly within Google Pay to deliver a richness of insights and capabilities to empower consumers with a simple, convenient and personal banking experience.
We are excited about the possibilities this collaboration creates for our clients and feel a tremendous sense of pride in helping to create a truly new and unique way to bank nationwide. Retail Banking With our high-tech, high-touch relationship model, Citibank serves as a trusted advisor to our retail, wealth management and small business clients at every stage of their financial journey.
Citi also gave consumers a sneak preview of the Citi Plex Account by Google Pay, a new digital checking and savings account launching on Google Pay in , and announced Mastercard as our network partner for the account see the Google Plex section above for more information.
The launch, in conjunction with Mastercard, provides eligible U. With a recent survey by the National Center for Transgender Equality showing that one-third of transgender people reported suffering harassment or denial of service after showing ID with a name or gender marker that didn't match their appearance, the initiative is a step toward helping customers feel recognized, accepted and empowered to be their true selves.
Today, eligible existing credit cardmembers are able to request new credit cards that display their chosen name. Further, customers are able to be serviced by their chosen name when they call into customer service and also across online and mobile access points.
The response has been tremendous to date, with thousands of customers updating their cards with their chosen first name and feedback from customers such as the following: "I wish that there had been something like this when I began my transition. This will remove one of the many worries that we all have had when we were introducing our true selves to the world. Throughout the pandemic, Citi worked tirelessly to ensure that customers and small businesses felt confident that as an essential service, we were available to help them navigate this challenging time.
To educate customers on the ease and convenience of digital banking, Citi introduced education campaigns, highlighting tools and capabilities available for customers to self-service as they complied with stay-at-home orders. By providing customers with quick links to set up online access, shortcuts to key digital tools and howto videos on key features, we issued a steady stream of communications reinforcing the quick, easy nature of digital banking.
These communications were incredibly well received by our customers, and we saw significant digital adoption and engagement among clients. In December, Citi opened its largest global wealth hub in Singapore. In Wealth Management, we continued to enhance our capabilities and invest in our offerings and digital tools to meet a wider spectrum of customer needs. Together, Citigold and Citigold Private Client clients enjoy personalized wealth management services, including dedicated wealth teams, digital planning tools, fund access, and a range of exclusive privileges, preferred pricing and benefits to affluent clients around the globe.
In Asia, investment revenues were the highest in a decade, with record net new money driven by steadfast client engagement, remote advisory services and accelerated client adoption of digital platforms throughout the pandemic. We continued to enhance the client experience, opening our largest wealth hub globally in Singapore dedicated to Citigold and Citigold Private Client clients.
With more than 30, square feet across four floors, the Citi Wealth Hub has over 30 client advisory rooms for clients to engage with Relationship Managers, access a team of specialists, and enjoy facilities for customized lifestyle events and investment seminars. In Mexico, Citibanamex is one of the leading and historically significant financial institutions in the country, with top brand recognition, leading market share and an extensive retail branch network complemented by rapid digital and mobile user growth.
As a smaller lender to small businesses due to our light branch footprint, our service model has been built on individual relationships, pairing our clients with dedicated support from a tight-knit team of experts. Yet as the pandemic drove small businesses across the country to close their doors almost overnight, we wanted to do our part.
That meant dramatically scaling up our capabilities to ensure we were ready to support a government-led response. The effort involved thousands of colleagues, from every area of the business, working around the clock to design, build, test, launch, scale and serve to help small businesses that were struggling to stay afloat. And as the data shows, we helped make a difference. These loans, along with more than 4.
The makeup of Citi's PPP loan portfolio demonstrates the great need that our small business services customers had for this critical lifeline. With eight out of 10 U. Services enable all economic sectors - from healthcare to manufacturing to agriculture - to be more productive, reach more consumers, and, ultimately, contribute to a better livelihood for Americans through job creation, higher wages and greater opportunities.
Similarly, Citi's PPP loans were concentrated in the markets where we have a branch footprint, including a high volume of loans in California, Florida, Illinois and New York, which were some of the states suffering most from the economic fallout. In fact, Citi's top sectors served - again based on total number of employees at the businesses that received loans - mirrored the hardest-hit sectors in the states where we funded the most loans. The correlation between where we made loans and the hardest-hit sectors occurred across each state where we had a significant number of PPP loans.
At its core, banking is about people and our dedication to enabling them to grow. Behind the numbers and statistics, there are stories - many of them moving - about the small business owners struggling to navigate a health and economic crisis unlike any we have seen before. Retail Banking, "our all-out effort to support the Small Business Administration's PPP across the firm was one of the most meaningful highlights.
Working together, we provide innovative solutions to corporations, financial institutions, public sector entities, investment managers and ultra-high net worth clients. Our network-driven strategy allows us to service those clients who value our unmatched country presence and who require a financial services partner that can help them grow in any country where they do business.
This includes multinationals that are expanding globally, particularly in the emerging markets, and emerging markets companies that are growing beyond their home market or region. Our unmatched global footprint and innovative product set allow us to deliver responsible, objective advice and provide stellar execution to lead transformation for our clients.
Banking, Capital Markets and Advisory Banking, Capital Markets and Advisory listens, collaborates and problem solves, working tirelessly on behalf of our corporate, financial institution, public sector and sponsor clients to deliver a range of strategic corporate finance and advisory solutions that meet their needs, no matter how complex. Dedicating ourselves to these relationships and ensuring our client experience stands above all else, we leverage the breadth of our unmatched global network to provide debt capital raising, equity-related strategic financing, and merger and acquisition solutions, as well as issuer services.
By serving these companies, we help them grow, creating jobs and economic value at home and in communities worldwide. Following the market dislocation last spring, Citi was integral in reopening both the debt and equity markets, leading on several large transactions.
The issuance environment was very dynamic, with a rush to source liquidity during the first three months of the pandemic, turning to a more opportunistic and acquisition financing environment as the year progressed with markets steadily improving and ultimately rallying by year end.
Citi was an early leader, providing significant balance sheet support for clients and guiding issuers that raised record amounts of liquidity from fixed income investors at the peak of the pandemic. As markets improved, Citi helped countless clients achieve record-low coupons. The financing represents the first international green bond by a renewables portfolio under a project finance structure in Latin America, as well as the first private sector green bond in Central America and the Caribbean.
The Notes' unique structure successfully monetized a five-year merchant tail post expiry of the power purchase agreements, thereby optimizing the projects' capital structure and operational flexibility, supported by their priority of dispatch as non-conventional renewables. In equity capital markets, historic volatility drove waves of equity issuance. In addition to being the largest SPAC raised globally, the transaction garnered significant praise for the use of minority broker-dealers as co-leads on the deal.
Citi advised Unilever on its transformational restructuring to create a simpler company with greater strategic flexibility and better positioning for future success. This was one of the largest transactions of , bringing together two world-class organizations with unique and highly complementary products and cuttingedge innovation and technology.
Citi Public Sector Group worked closely with governments and the public sector to find liquidity alternatives and advised on the issuance of social bonds to support countries in the emerging markets throughout the pandemic. In this capacity, a team consisting of more than two dozen senior bankers across multiple business units, spearheaded by the Public Sector Group, is providing Gavi with expert advice on structures to mitigate sovereign, credit and operational risk as the COVAX Facility seeks to facilitate pooled procurement and equitable distribution of safe and effective COVID vaccines globally.
In addition, drawing on Citi's global reach with physical presence in nearly countries and territories and the capability to serve nearly 60 additional countries, Citi's Corporate Bank served as a critical partner to large multinationals in COVIDaffected industries throughout , providing new lines of credit and shoring up balance sheets for many blue chip corporations.
Commercial Bank Citi Commercial Bank puts years of experience to work for midsized, globally oriented companies by delivering actionable insights and ideas, comprehensive banking solutions and a truly global network. We provide high-quality financial advice, helping businesses prosper and grow in domestic markets, as well as internationally. Our distinctive approach puts the client at the center of everything we do.
By understanding their industries and learning their business priorities, our Relationship Managers bring our clients insights designed to help them succeed. Whether providing capital to fund growth or refinancing debt, Citi Commercial Bank offers solutions that support the right capital structure to meet companies' short- and long-term financing needs.
With the full spectrum of Citi's capabilities and access to our global network, we are able to deliver tailored solutions to meet our clients' unique goals and objectives. In the past year, Citi Commercial Bank enhanced our core client and internal applications and significantly improved our processes, reducing client friction and digitizing more of the client experience.
We also participated in a number of other governmentsupported programs outside the U. Markets and Securities Services Markets and Securities Services relies on global breadth and product depth to provide an enhanced client experience. Our sales and trading, distribution and research capabilities span a broad range of asset classes, providing customized solutions that support the diverse investment and transaction strategies of investors.
In , Citi retained our ranking as the World's Largest Fixed Income Dealer for the fifth straight year, according to Greenwich Associates' Annual Benchmark Survey, which polled more than 3, fixed income investors around the world. Citi's leading market position is driven by our strength in both Rates and Emerging Markets, ranked 1, respectively, along with the top spot in Municipal Bonds.
In addition to the distinction of being overall share leader, Citi ranked 1 in Overall Quality, Sales Quality, Trading Quality and e-Trading market penetration. Citi was also named Largest Affordable Housing Lender in the country for the 11th year in a row in Affordable Housing Finance magazine's annual survey of affordable housing lenders. Partnering with developers, nonprofits and local governments, Citi has helped create or preserve nearly , affordable housing units over the past decade.
Citi closed a unique financing for Bryant, a project designed to help confront the growing problem of homelessness. Citi played multiple roles in the effort: Low Income Housing Tax Credit investor; construction loan administrator; and Letter of Credit provider guaranteeing construction completion. Supportive services for the residents include intensive case management with ongoing, consistent tenant engagement that includes individualized health and wellness plans, eviction prevention, crisis intervention and on-site mental health services.
Nearly , Institutional Clients spread over almost countries use Citi Velocity on a regular basis across all asset classes. In addition to pricing millions of derivative instruments and supporting half a billion data interactions, Citi Velocity made a big push into the audiovisual content and mobile space. While Citi Velocity was laser focused on being the best digital product for our clients, it was also used to offer clients and colleagues some respite from the year's events.
Citi Velocity streamed two concert series in , in partnership with the London Philharmonia, which became the most popular video content of the year. Proxymity's services include a digital, real-time and fully transparent proxy voting platform, providing post-meeting vote confirmation and giving investors up to nine additional days per meeting to research and vote.
Proxymity also offers a shareholder disclosure platform that automates shareholder ID requests and eliminates the need for any manual handling. The idea for Proxymity was formulated in by two Markets and Securities Services colleagues as a way for issuers to better communicate with investors. As the idea for the platform evolved, D10X, an internal strategic growth model that enables employees to take new business ideas from concept to launch, helped Proxymity iterate and evaluate its vision to improve the proxy voting system.
From there, the Citi Innovation Lab in Tel Aviv developed Proxymity into a market-ready offering in less than two years using a Lean team model and rapid, agile development. Citi is incredibly proud of what Proxymity has been able to achieve thus far and looks forward to continuing to support the platform as a member of the consortium.
Connecting to Aladdin Provider, Citi will provide outsourced middle-office services directly on a client's instance of Aladdin for seamless integration with the front office, from trade confirmation to post-settlement reconciliation. In addition to funds managed by BlackRock, Citi provides custody services to many asset managers on the Aladdin platform.
Joining the Aladdin Provider network will allow Citi to optimize our operating model to support not only BlackRock's asset management business but to provide an enhanced level of service to members of the broader Aladdin community. Private Bank The Private Bank is dedicated to helping the world's wealthiest individuals, families and law firms protect and responsibly grow their wealth. Clients enjoy a highly customized experience, with access to a comprehensive range of products and services spanning investments, banking, lending, custody, wealth planning, real estate, art, aircraft finance and lending, and more.
In everything we do, we emphasize personalized advice, competitive pricing and efficient execution. Citi Private Bank's close partnership with Citi's Institutional Clients Group means we can connect clients' businesses to banking, capital markets and advisory services, as well as to Citi's other institutional resources. A growing number of our clients seek to align their investments with their personal values.
Investing with Purpose is what we call our approach to sustainable and impactful investing. We help clients articulate their sustainability goals and objectives, provide them with comprehensive advice and offer in-house investment management that incorporates environmental, social and corporate governance principles.
We also partner with third-party asset managers to deliver relevant themes and strategies. In , we transformed our flagship annual Family Office Leadership Program - often described by participants as "the Davos for family offices" - into a virtual summit. Sessions this year covered vital topics that include sustainable investing, advances in family healthcare practices, future of energy and the building of resilient families.
We also launched the Direct Private Investments business to identify opportunities for family offices and private investment company clients to actively invest in direct private deals. Treasury and Trade Solutions Treasury and Trade Solutions TTS provides integrated cash management, working capital and trade finance solutions to multinational corporations, financial institutions and public sector organizations around the globe.
With the industry's most comprehensive suite of digitally enabled platforms, tools and analytics, TTS leads the way in delivering innovative and tailored solutions to clients. Based on the belief that client experience is the driver of sustainable differentiation, TTS has focused its efforts on transforming its business to deliver a seamless, end-toend client experience through digital capabilities, client advocacy, network management and service delivery across the entire organization.
Citi's digital channels remain pivotal in helping clients with operational resiliency while continuing to operate in remote or continuity-of-business modes. Digital Onboarding enabled clients around the world to set up accounts using eSignatures and overcome major obstacles due to the pandemic. The initiative was designed to contribute to a fast economic recovery and to create a more resilient society, as well as to reduce structural societal inequalities exacerbated by such crises.
More than startups from 59 countries entered the challenge, and three winners were provided the opportunity to access mentoring and events, technology tools and acceleration services from the companies, including Citi, which supported the challenge. Restarting Together is an excellent representation of Citi's ongoing commitment to our mission of enabling growth and economic progress, as we seek to find new ways to solve problems.
With an ambitious road map to continue to expand our footprint and capabilities, we are very well positioned for another exciting and successful year in In October , in support of U. Environmental, Social and Governance Through our business, we address some of society's greatest challenges - an imperative stated in our mission and an idea that shapes our decisions every day. The need for action grew in urgency and scope in with the onset of the COVID pandemic and a movement toward racial equity and systemic change in the U.
This section highlights our continued efforts as a bank, an employer and a philanthropist to address these societal issues and many others. Citi has the scale and capability to finance and support the institutions - governments, corporations, nonprofits and aid organizations - that can contribute to the future that we want and the future that our communities deserve. In the midst of the global pandemic, we launched our new Sustainable Progress Strategy to address another global crisis: climate change.
Our new strategy, which had been in the works well before COVID began its catastrophic spread, is aimed at driving the transition to a sustainable, lowcarbon future in an environmentally responsible way that serves society's economic needs. COVID became an accelerant for our work, illustrating the deep interconnections of systemic racism and societal, physical and environmental health. Once a niche topic for investors, Environmental, Social and Governance ESG performance today is an essential part of our firm-wide strategy - deeply integrated into our business - and we continue to evolve our approach to managing ESG issues and opportunities.
Sustainable Growth and Climate Change The climate crisis is one of the most critical challenges facing our global society and economy. The science is irrefutable, and the world's climate scientists agree that urgent action must be taken to address the current and potential impacts of climate change.
Since the onset of COVID, we have been continually reminded of the inextricable links between our health, economic success and the environment. Amid the pandemic, we launched our Sustainable Progress Strategy to accelerate our work in addressing the climate crisis, with the ambition to play a leading role in driving the transition to a low-carbon economy.
As a global financial institution, we recognize the opportunity and obligation to drive capital to where it can have the most positive impact. This is an ambitious target that represents a commitment two-and-ahalf times larger than our prior goal, and which we aim to achieve in half the time. Citi continues to be a leader in project finance, financing a number of infrastructure and renewable energy transactions. When completed, it will be the largest solar project in the eastern U.
Highlander Solar is strategically located approximately 50 miles from northern Virginia's Data Center Alley in the Dulles Technology Corridor, home to the world's largest concentration of data centers. Renewable energy generated by the facility will help blue chip technology companies, including Microsoft and Apple, with the significant electric load requirements of their data centers while advancing their corporate sustainability and climate change goals. Generally, there seems to have been a rise in consumer confidence from travellers aged 26 and above this year, according to CoverForYou.
Insurance policy sales peaked for this age group during the typical busy booking season of January despite pandemic border restrictions still in place in the UK at the time. South Asia Outbacker says demand for travel insurance purchases is on the rise among backpackers, students taking gap years and remote workers carrying out their jobs from abroad.
Instead, people are taking immediate advantage of the world having opened up. Gone are the days of travel insurance being a last-minute purchase, these days all breeds of traveller are adding insurance as a necessary, well-researched item on their travel checklist. Whatever the age and purpose for travel, these travellers seem to be more keen to go to South East Asia over the traditionally popular destinations of the USA, Canada, Mexico and Europe.
These travellers also seemed to be more cautious about how long they booked away. Pre-pandemic, between January and June , Outbacker found travellers took trips for over days on average. From January to June this year the average number of days dropped to Thousands of flights by BA and other airlines have already been cancelled in recent months. Heathrow has separately imposed a , limit on the number of passengers it will handle per day until 29 October see below.
BA says flights are being reduced because of lack of staff to handle passenger numbers. This is a legacy of lay-offs during pandemic shut-downs, and difficulties in recruiting staff and processing their security clearances and training requirements. The airline says announcing cancellations in advance reduces short-notice cuts to services and reduces disruption and delays. It is giving passengers advance notice so that alternative arrangements can be made. Customers affected by a cancellation will be offered as is their legal right an alternative flight, either with BA or another airline, or provided with a full refund if they prefer.
The limit was originally scheduled to end on 11 September, but will now run until the end of the summer season, which includes the autumn half-term school holiday. It says the move will provide passengers with confidence ahead of their half-term getaways because it reduces the likelihood of services being cancelled at short notice. Earlier in the summer, Heathrow was overstretched by , customers using it daily, with disruption and cancellations causing passenger misery.
It says the cap has resulted in fewer last-minute cancellations, better punctuality and shorter waits for bags. Several other airports, including Gatwick, Frankfurt and Schiphol, have also put in place equivalent capacity limits. Schiphol has also extended its cap through to the end of October. The decision to extend the Heathrow cap was taken after consultation with airlines. The capacity limits will be kept under regular review and could be lifted earlier should there be an improvement in capacity, notably through increased recruitment at airline ground handlers.
The move comes after Heathrow imposed a , daily cap on the number of passengers that could leave the west London airport between 12 July and 11 September, requesting that airlines curb ticket sales during this period to combat long queue times, delays and last-minute cancellations. British Airways said the latest suspension of short-haul ticket sales would free up extra seats, so that existing customers who experience operational disruption have a better chance of rebooking.
Nor will they be required to present proof of a negative PCR or antigen test upon arrival. The removal of all restrictions also applies to those visiting French overseas territories, such as the island of Martinique and the archipelago of Guadeloupe in the West Indies, from France. Some policies include provision for claiming back the cost of rebooking onto another service, as well as the cost of emergency accommodation, up to a stated limit.
Policies may also pay out a cash sum to anyone delayed for more than 12 hours. The huge queues of traffic outside the port have led to reported delays of up to seven hours for car passengers, while lorries have been parked up overnight on roads leading to the area. This has exacerbated the situation, with those heading to the port for bookings this weekend having to negotiate lengthy diversions.
Travellers heading to the Eurotunnel facility at Folkestone are also experiencing delays and disruption due to traffic bottlenecks and diversions, particularly on the M The cause of the disruption at Dover is disputed, with the UK government claiming French passport booths at the port are under-staffed. The French authorities say their personnel have themselves been caught up in the travel chaos and have been delayed in reaching their posts.
There are also claims that added bureaucracy created by Brexit has slowed the flow of traffic through the port and onto ferries. The two governments say they are working urgently to ease the gridlock, which is also a consequence in a surge of holidaymakers heading to Europe at the start of the school summer holidays.
It is important to keep receipts to support any claim you make. The travel delay section of a policy kicks in if you are delayed by a certain amount of time — usually 12 hours. Hopefully nobody will be in the jams for that long. Policies also include provision for abandoning a holiday if the delay to departure lasts for 24 hours.
That might mean you could reclaim the cost of any accommodation you have booked in Europe if you decide, after a lengthy delay, to turn around and head back home. By standing together, they have forced a corporate giant like BA to do the right thing and restore levels of pay slashed in the pandemic.
In addition to the increase in pay rates, shift pay reductions that were introduced in will be reversed from October A spokesperson for the airline was reported by the BBC as saying British Airways is delighted with the outcome of the negotiations. Following the assistance of the Advisory, Conciliation and Arbitration Service, an improved offer was made. The union says its AFS members have not received a pay rise in three years. During this time it says staff have seen their incomes fall by It also covers what passengers can expect from their airline, travel agent, tour operator and airport, and sets out best practice in terms of how passengers should be treated.
Additionally, it makes clear that passengers have a responsibility to take with them everything they need for their journey, such as passports and travel documentation for their destination including any Covid tests or certification. Travellers are also expected to tell their airline and airport in advance of travel if they have special requirements, such as assistance with disability and mobility. The specifications of the charter include: terms and conditions of any booking must be available at the time of making the booking from the airline, travel agent or tour operator.
They must be clear and easy to understand and easy to find. They must provide clear information on what to do in the case of cancellations, date changes and if you need to rebook. This should be set out clearly in the insurance policy document.
You will still need adequate travel insurance in addition to the GHIC. The charter also includes extensive information on the rights of those with disability, reduced mobility or illness. It also confirms what is payable in compensation in the event of cancellation or delay. Any Emirates passengers who have already booked their flights will be able to travel as planned.
However, no new tickets will be sold for Emirates flights out of Heathrow until mid August. Heathrow says action is required to minimise the likelihood of last-minute cancellations, severe delays and problems with security and baggage-handling. Heathrow is capping passenger numbers at , per day until 11 September — it has recently been seeing , passengers a day and has struggled to cope with the numbers.
It has asked airlines to stop selling tickets on upcoming flights to reduce footfall. All the signals of a strong travel rebound were there, and for months, Emirates has been publicly vocal about the matter. We planned ahead to get to a state of readiness to serve customers and travel demand.
The Department for Transport and the Civil Aviation Authority have asked Heathrow to explain the cap of , daily passengers. Emirates says that, until further notice, it plans to operate as scheduled to and from LHR. It says airlines have not cut enough services from their summer schedules after a request from the government to reduce flights and cut the risk of last-minute cancellations, writes Kevin Pratt.
Heathrow is asking airlines to stop selling tickets for flights during the period. Our colleagues are going above and beyond to get as many passengers away as possible, but we cannot put them at risk for their own safety and wellbeing.
Ministers subsequently implemented a slot amnesty programme to encourage airlines to remove flights from their schedules with no penalty. We held off putting additional controls on passenger numbers until this amnesty process concluded last Friday and we had a clearer view of the reductions that airlines have made. We have therefore made the difficult decision to introduce a capacity cap with effect from 12 July to 11 September. Similar measures to control passenger demand have been implemented at other airports both in the UK and around the world.
The latest forecasts indicate that, even despite the amnesty, daily departing seats over the summer will average , — giving a daily excess of 4, seats. The news comes on the day the airport cancelled a further plus flights because of lack of capacity to handle passengers. As reported below, the government has given airlines until tomorrow Friday to announce cancellations without risking losing their reserved slots at UK airports. Normally, if an airline repeated cancels flights, it can lose its slot and thus its ability to operate a particular route from a given airport.
British Airways says it is taking the drastic action so that it can consolidate operations and provide certainty to passengers with bookings. Travellers who are affected will be contacted with alternative flight arrangements with BA or another carrier, or they will be offered a refund. If notice of cancellation is given more than 14 days before scheduled departure, there is no entitlement to compensation.
It is also requiring airlines to tell affected passengers at least two weeks ahead of a cancelled flight. Under the terms of the amnesty, airlines should return slots at least 14 days before use, so they can be reallocated to other airlines to use throughout the summer. They will subsequently be returned to the original airline. Slots grant an airline permission to use an airport a given number of times a year, but they can be withdrawn if the airline repeatedly cancels flights.
In the latest of a catalogue of events to blight customers, Heathrow cancelled 30 flights yesterday Thursday. Airlines will also have more freedom to cancel flights in advance, if they cannot operate them. To help speed up processing and reduce queues and delays, the government and CAA will launch a campaign of information so customers know what is expected of them prior to departure.
These actions will help the sector be more resilient in dealing with strong consumer demand. We will of course keep our customers updated about what this means for them as the situation evolves. It said it does not know how many flights will be affected by the strikes. These slots are granted to airlines on the understanding they use them and their associated infrastructure — such as runways, terminals and gates — a certain number of times each year.
With airlines forced to cancel flights at short notice because of staffing issues, however, carriers have faced difficulty meeting their obligations. Up to 5, passengers may have been affected across up to 30 flights on Monday. Heathrow has blamed the disruption on a technical issue with the baggage system in its Terminal 2, rather than staff shortages. Airlines and airports have been blighted by Covid-related staff absences in recent weeks, as the summer holidays near and the demand for travel rises.
Over the weekend, according to reports on social media, hundreds of passengers at Heathrow were forced to wait three hours to retrieve their luggage. Meanwhile, industrial action is expected to disrupt rail services across the UK on 21, 23 and 25 June. Heathrow Express will be running a limited service and the Elizabeth Line will be running every 30 minutes, from 7. Heathrow advises passengers to allow more time for their journeys if using the roads around the airport on these days.
On 21 June, London Underground services will also be severely affected due to industrial action. Gatwick has advised passengers not to use public transport between Tuesday 21 and Sunday 26 June. Manchester airport advises passengers to not use trains to travel to the airport. However, it adds that passengers between 21 and 25 June should check the status of their service before arriving at the train station and plan ahead as it expects services to be busier than usual.
Passengers who make every effort to catch their flight but are prevented from doing so by travel disruption on their way to the airport may be able to claim on their travel insurance — they should check their policies for details. The time applies to when the flight departs from its point of origin. Only fully-vaccinated travellers may enter the US unless they are exempt from the requirement to be vaccinated — airlines will continue to check vaccination status before boarding.
You can find details here of who might be classed as exempt. Children 17 and under are exempt from the vaccination requirement if travelling with a vaccinated adult. The Elizabeth line route to and from Heathrow will initially run from Paddington train station, but will be extended to Reading in Berkshire, and Shenfield in Essex, by the autumn.
Elizabeth Line passengers travelling from Paddington to Heathrow should expect a minute journey, via six other stops including West Ealing and Southall. This compares to 56 minutes, with at least one change of train when making the same journey by Tube. However, it adds 13 minutes when compared to the minute journey by Heathrow Express, again departing from Paddington. In terms of cost, the Tube remains the cheapest option for train travel between zone 1 where Paddington station is located and Heathrow Airport.
The news comes following the announcement that Spain has changed its entry requirements to allow in unvaccinated travellers who can produce a negative Covid test see story below. The compulsory wearing of masks will also be restricted to indoors and on public transport only. Outdoors, masks will be optional. From Wednesday, unvaccinated arrivals should continue to quarantine at approved facilities a designated holding hotel, approved villa or a government facility, at their own expense for three days on arrival.
On Day 4 of arrival, they must take a PCR test and test negative to come out of quarantine. Travellers who have recently recovered from Covid, but have taken a positive pre-departure PCR test, should carry a letter from their medical practitioner with their lab test result, including the date of diagnosis and recovery.
On arrival, they may need to stay at one of the government isolation facilities for up to 48 hours before being released from quarantine. Children aged 17 and under who are accompanied by fully vaccinated travellers, can follow the rules for fully vaccinated travellers to enter Barbados. Children aged 17 and under who are travelling unaccompanied should show evidence of a valid test result.
A negative PCR or antigen test will be accepted. Those who are vaccinated must still show proof of vaccination. This means the following will be accepted by the Spanish authorities for those wishing to enter the country: Vaccination certificate Negative test certificate Certificate of recovery from at least 11 days after first testing positive. PCR tests must be carried out in the 72 hours prior to departure to Spain or an antigen test in the 24 hours prior to departure. Children under 12 are not not required to present any certification.
However, some popular destinations still have restrictions and requirements in place, often affecting children. Note that Cyprus and Portugal do not accept self-administered Covid tests. United States All travellers over two years of age must take a negative Covid pre-departure test, regardless of their vaccination status It is recommended another test is taken within three to five days of arrival, unless they have recovered from Covid in the 90 days before departure Fully-vaccinated travellers are allowed entry for work and leisure purposes.
Children 17 and under are exempt from the vaccination requirement Unvaccinated travellers are only allowed entry if they are US citizens, US nationals, US lawful permanent residents or meet the criteria for an exception. Italy Until 31 May travellers aged six and over must show either proof of vaccination, a negative PCR test taken within 72 hours before arrival or a negative rapid lateral flow test taken within the 48 hours before arrival, or a Covid recovery certificate, showing they have recovered from Covid in the last six months If they cannot show proof of the above, they must: travel to their final destination in Italy by private transport, self-isolate for five days and take another PCR or rapid lateral flow test at the end of the five days.
If the test is negative, they can leave self-isolation. Travellers under the age of six are exempt. Cyprus Vaccinated or recovered passengers must show a valid Covid certificate of vaccination or recovery i. NHS Covid Pass Arrivals can present their vaccination certificate or recovery certificate in printed or electronic form.
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Later, in the article, we are also going to talk about the top 7 forex trading platforms that are playing a massive role in promoting the e-commerce industry in Pakistan. What is Forex Trading? There are several reasons for the conversion of currencies; for one, if you are a resident of the USA and want to buy rice from France, you will have to pay the French for it in euros EUR.
So, like that there are a lot more reasons. We hope that now, you have understood the concept of Forex Trading! It will be helpful for you in the future because you will hear these terms again and again while trading. Have a look: Lot size: A lot size is the total number of currency units that you are going to trade.
Order: It is meant to be a particular set of instructions that you give to your forex brokers in Pakistan. For example, which currency you want to buy or sell, at what price you want to execute the sell or purchase of a currency or the numbers of the shares you are thinking to buy or sell. These are the three basic terms lot size, pip, and order you have to go through daily while practicing forex trading. These terms are called the Forex Terminology. To become a successful forex trader in Pakistan, you have to understand this.
Forex Trading Tax Liabilities in Pakistan At the beginning of forex trading, there were no such rules and regulations for paying tax. In fact, it was supposed to be one of the best tax-free business ideas in Pakistan. But after some time, new rules were devised by the Federal Bureau of Revenue FBR which included the rule that stated every trader has to pay tax on forex trading in Pakistan.
The FBR divided tax into two different categories. For Filers: These are the traders that file and pay their yearly taxes. There are almost no types of restrictions in forex trading in Pakistan, however, buying and selling cryptocurrencies are not legal. To get started with forex trading you need to follow the below-mentioned steps that beginners are required to understand. The reason behind this is the strict regulations in foreign countries like Australia, UK, and the United States.
We recommend you choose wisely. Below, we have also mentioned a list of legal forex trading brokers in Pakistan. Choose a platform: Here comes the second step. Account Funding: Last, but not least, is account funding. Once your broker has verified everything, you just need to link your bank account to the trading account for the conversion of rupees to USD, GBP, etc.
We are going to list down some of them. Saxo Bank- Best for research. Trusted global brand. XM Group — Well-rounded offering. FP Markets — Excellent pricing. Select a platform. Though your forex broker might offer its own trading platform, you might also want to use a more comprehensive platform like MetaTrader 4 or 5. Fund your account. Most international brokers allow Pakistani traders to fund their account by linking a bank account and converting rupees to USD, GBP or another more liquid currency for trading purposes.
Make your first trade. Once your account has been funded, you can officially make your first currency trade. Pakistan Forex Trading Strategies Most Pakistani traders choose to trade on the Asian session, when most activity happens on the Tokyo forex exchange. Most international brokers offering accounts to traders in Pakistan will allow you to deposit USD into your accounts with a bank transfer. Here are a few technical indicators you might want to use when trading.
Momentum Indicators A momentum indicator is a technical indicator that measures a sudden change in price movement. A reversal of previous trends may signal that the momentum of a currency is changing directions, which can signal that you should buy or sell.
Reversal Candlesticks A reversal candlestick is a signal that may indicate that a trend is changing and that the pattern a currency is following will shift. There are both bearish and bullish reversal candlesticks that may indicate that a currency will stop falling or rising in value. Short-term traders and scalpers often rely on reversal candlesticks instead of momentum indicators because they capitalize on smaller volatile shifts.
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16 Best Forex Brokers in Pakistan and all over world, Learn Forex before starting forex trading
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