TIDMFX43
RNS Number : 0019V
Skipton Building Society
05 August 2022
PRESS RELEASE Friday 5 August 2022
Skipton Building Society helps more people than ever towards
their home ownership goals
-- Skipton's competitive mortgage products and first rate service drive record applications
-- Higher returns for savers, as Skipton passes on benefit of
base rate increases while protecting variable rate borrowers
Record mortgage applications and higher returns for savers are
just some of Skipton's highlights for the first half of 2022,
driving a strong performance at the member-owned building
society.
Skipton, the UK's fourth largest building society and parent
organisation of the Connells group, the UK's largest estate agency,
today shares its performance for the first half of 2022. In a
six-month period that has seen profound challenges to household
finances, Skipton remains true to its purpose-led mutuality in
helping more people to have a place to call home and to save for
their future:
-- The Skipton Group generated pre-tax profits for the period of
GBP160.0m (six months ended 30 June 2021: GBP159.2m);
-- The Mortgages and Savings division generated pre-tax profits
of GBP128.3m (six months ended 30 June 2021: GBP86.9m) - an
increase of GBP41.4m compared with the first half of 2021, due
principally to increases in net interest income and improved
interest margins;
-- Skipton's focus on offering competitive mortgages for
homebuyers saw the Society's records repeatedly broken - May 2022
was the Society's highest ever month for mortgage applications,
totalling GBP1.1bn;
-- This robust performance saw the Group's mortgage portfolio
grow 3.1% in the period to reach GBP24.0bn - its net lending
accounted for 2.2% of growth in the UK residential mortgage market,
compared to the Society's 1.4% ([1]) share of UK residential
mortgage balances;
-- The Society enabled over 6,200 first-time buyers get their
first home with a Skipton mortgage. Continuing its efforts to
support first-time buyers, Skipton also hosted a special Keys To
Your First Home event in London, the first in a series of unique
experiences designed to bring to life the home buying journey. The
event saw a panel of experts including the UK's leading millennial
money expert, Iona Bain, together with industry experts and those
who've recently bought their first home, share their own
experiences and give guidance on the home buying process;
-- The Bank of England increased bank base rate four times in
the period, from 0.25% at the start of the year to 1.25% by June.
Given the immediate cost of living crisis for households, the
Society took decisions to protect its mortgage variable rate
borrowers from these base rate increases - only 0.1% of the total
1.0% increase was passed on to the Society's variable rate
borrowers;
-- For savers, t he Society has increased the rate of interest
paid on all variable rate savings accounts and now pays a minimum
rate of 0.85% (31 December 2021: 0.15%) on all variable rate
savings accounts. For the five months to 31 May 2022 the average
savings rate paid by Skipton was 0.77%, which was 0.44% above the
rest of market average for banks and building societies[2] ;
-- Skipton's competitive savings rates resulted in balances
growing in the period by 6% (or GBP1.2bn) to GBP21.0bn and the
Society saw record cash ISA transfer volumes across the tax
year-end - that meant in April, for the value of new account
openings, the Society secured a remarkable 13.8% share of the fixed
rate cash ISA market and a 10.7% share of the total cash ISA
market[3];
-- And being the UK's first and one of the biggest providers of
the Cash Lifetime ISA (LISA), Skipton now holds balances of
GBP1.2bn for LISA customers saving hard either for their first home
or for later life - and these customers benefitted from Government
bonuses in the period of GBP45.8m;
-- Already a living wage employer - in January the Society
brought forward its annual pay review for colleagues (below
Executive Committee level), awarding on average an 11% increase to
their pay; this was to keep pace with market benchmarks in a
dynamic employment market, ensuring all colleagues are fairly
rewarded for their role. In addition, to support colleagues with
the increased cost of living, the Society has committed to a
payment of GBP1,500 for each colleague (below Senior Leader level),
to be paid in September;
-- Connells, the Group's estate agency division, delivered
underlying pre-tax profits of GBP29.0m (six months ended 30 June
2021: GBP50.0m); the higher profits in 2021 benefitted from
exceptional housing market demand, fuelled by stamp duty reliefs
and people's changing housing needs following the pandemic.
Ian Cornelius, Skipton's Interim Group Chief Executive,
said:
"I'm acutely conscious our strong performance comes at a time
when household finances are under significant strain. The current
economic environment for our members and colleagues is
understandably causing concern. Our role at Skipton is to help
people navigate these challenging times, and it's very pleasing to
see our competitive offering and first-rate service have enabled us
in recent months to help more people than ever before.
As a mutual, we're accountable to our members, not shareholders.
Our priority will always be the long-term sustainability of our
business, not short-term profit maximisation. So it is a relatively
straightforward decision that we take to reinvest profits into the
business for the benefit of everyone - our customers, our
colleagues and our communities. We seek to invest purposefully,
from strengthening our IT, digital and data platforms, through to
reimagining how we attract and retain talent, to ensure we are fit
for the future. And that goes for our green ambitions too, with
increased investment to deliver our transition to net zero and
support our customers to live in greener and more efficient
homes.
These results for the first half of 2022, including the
excellent growth achieved in both mortgages and savings, are the
result of the great work by colleagues across the Society and their
unwavering focus on helping our members at every life stage by
offering great value, great service and a strong proposition that
meets their needs.
Public and personal finances have rarely been under such
pressure as they are today. Whilst faced with significant
uncertainties, Skipton is in a robust position to meet the
challenges ahead. The trust our customers and colleagues place in
us to do the right thing by them will never be taken for granted.
We will continue to do everything we can to support them and their
families in these extraordinary times."
Further details of Skipton's performance for the first six
months of 2022 are set out below:
-- The Society welcomed more customers, with its membership rising by 20,655 to over 1,103,600;
-- The Group's net interest margin, a key measure of
performance, was 1.29% (six months ended 30 June 2021: 0.97%);
-- Movements in the impairment allowances held against loans and
advances to customers resulted in a credit to the Income Statement
of GBP2.2m (six months ended 30 June 2021: GBP14.8m credit); this
reflects improved arrears positions in our mortgage portfolios,
offset in part by the impacts on the impairment allowances of a
less favourable economic outlook;
-- The Society's residential mortgages in arrears by three
months or more represent only 0.20% (31 December 2021: 0.23%) of
mortgage accounts, which compares very favourably to the UK Finance
industry average of 0.77%[4];
-- Skipton International Limited (SIL) continues to make a
strong contribution, with pre-tax profits of GBP18.0m (six months
ended 30 June 2021: GBP11.4m) and mortgages and savings balances of
GBP1.8bn and GBP2.0bn respectively (31 December 2021: GBP1.7bn and
GBP2.1bn respectively);
-- The Group's Estate Agency division, Connells, generated
pre-tax profits for the period of GBP28.9m (six months ended 30
June 2021: GBP80.2m). The 2021 pre-tax profits included fair value
gains of GBP29.3m relating to businesses and investments that were
subsequently disposed of during that year. Underlying pre-tax
profits for the period were GBP29.0m (six months ended 30 June
2021: GBP50.0m); the higher profits in 2021 benefitted from
exceptional housing market demand, fuelled by stamp duty reliefs
and people's changing housing needs following the pandemic. The
underlying result includes amortisation charges of GBP10.4m against
the intangible assets that were recognised on acquisition of
Countrywide (six months ended 30 June 2021: GBP38.3m);
-- Connells maintained market share at 10% across its 1,250
estate agency branch network and the sales pipeline is up 11%
compared with 30 June 2021, showing continued strong buyer demand.
However, results across Connells reflect more challenging housing
market conditions, impacted by lack of stock, slow pipeline
conversion (due to market-wide delays in conveyancing) and wider
economic headwinds;
-- Skipton's CET 1 ratio[5] reduced to 36.5% (31 December 2021:
44.6%), driven primarily by the move to hybrid IRB models in
response to regulatory changes introduced from 1 January
2022[6];
-- Skipton's UK leverage ratio(5) remained stable at 6.7% (31 December 2021: 6.8%);
-- Skipton's Liquidity Coverage Ratio (LCR)(5) was 177% as at 30
June 2022 (31 December 2021: 173%) - liquidity remained well above
both the regulatory limit of 100% and the internal limit set by the
Board throughout the period;
-- Skipton's people remain its greatest asset - the Society's
position as an employer of choice is reinforced by proudly
retaining its 3-star rating from Best Companies, which reflects
'world-class' levels of workplace engagement.
Skipton Building Society
Results for the half year ended 30 June 2022
Consolidated income statement
6 months 6 months 12 months
to 30.06.22 to 30.06.21 to 31.12.21
GBPm GBPm GBPm
========================================================================= ============= ============= =============
Interest receivable and similar income:
Accounted for using the effective interest rate method 307.6 221.4 457.3
Other 4.6 (2.3) (2.9)
========================================================================= ============= ============= =============
Total interest receivable and similar income 312.2 219.1 454.4
Interest payable and similar charges (117.9) (81.4) (157.7)
========================================================================= ============= ============= =============
Net interest receivable 194.3 137.7 296.7
Fees and commissions receivable 539.4 501.3 1,054.5
Fees and commissions payable (6.9) (5.0) (8.4)
Fair value gains / (losses) on financial instruments mandatorily held at
FVTPL:
Hedging instruments and hedged items 0.1 (2.1) 0.5
Derivatives associated with equity release portfolio 73.0 24.9 32.8
Equity release portfolio (61.5) (18.6) (27.3)
Share warrants (0.8) 1.1 3.2
Put options held by minority shareholders 0.3 (0.9) (1.3)
Equity share investments 0.7 2.2 2.3
Fair value gains on step-acquisition of Group undertakings - 26.9 26.9
Realised profits on treasury assets held at FVOCI - 0.1 0.1
Profit on disposal of subsidiary undertakings 0.1 0.3 0.5
Share of profits from joint ventures 0.4 0.9 1.2
Other income 1.8 1.3 2.6
========================================================================= ============= ============= =============
Total income 740.9 670.1 1,384.3
Administrative expenses (581.4) (525.6) (1,125.1)
========================================================================= ============= ============= =============
Operating profit before impairment and provisions 159.5 144.5 259.2
Impairment credit on loans and advances to customers 2.2 14.8 12.9
Impairment (losses) / credit on liquid assets (0.1) 0.1 (0.2)
Realised losses on equity release portfolio (0.4) (0.2) (0.5)
Provisions for liabilities (1.2) - 0.4
========================================================================= ============= ============= =============
Profit before tax 160.0 159.2 271.8
Tax expense (36.2) (25.7) (55.9)
========================================================================= ============= ============= =============
Profit for the period 123.8 133.5 215.9
========================================================================= ============= ============= =============
Profit for the period attributable to:
Members of Skipton Building Society 123.8 133.4 215.8
Non-controlling interests - 0.1 0.1
========================================================================= ============= ============= =============
123.8 133.5 215.9
========================================================================= ============= ============= =============
Underlying Group PBT for the six months ended 30 June 2022 was
GBP148.5m (six months ended 30 June 2021: GBP122.4m; year ended 31
December 2021: GBP233.4m) as shown below:
6 months 6 months 12 months
to 30.06.22 to 30.06.21 to 31.12.21
GBPm GBPm GBPm
=========================================== ============= ============= =============
Total Group profit before tax 160.0 159.2 271.8
Less profit on disposal of subsidiary
undertakings (0.1) (0.3) (0.5)
Less fair value gains in relation to
equity release portfolio (note 1) (11.5) (6.3) (5.5)
Add back / (less) fair value losses /
(gains) on share warrants and equity
share investments 0.1 (3.3) (5.5)
Less fair value gains on step-acquisition
of Group undertakings - (26.9) (26.9)
=========================================== ============= ============= =============
Underlying Group profit before tax 148.5 122.4 233.4
=========================================== ============= ============= =============
Notes
1. The GBP11.5m gain (six months ended 30 June 2021: GBP6.3m
gain; year ended 31 December 2021: GBP5.5m gain) is comprised of
fair value losses of GBP61.5m (six months ended 30 June 2021:
GBP18.6m losses; year ended 31 December 2021: GBP27.3m losses) as
shown in the 'Fair value gains / (losses) on financial instruments
mandatorily held at FVTPL: Equity release portfolio' line in the
Income Statement, and fair value gains of GBP73.0m (six months
ended 30 June 2021: GBP24.9m gains; year ended 31 December 2021:
GBP32.8m gains) on the associated derivatives held to economically
hedge these fair value movements, as shown in the 'Fair value gains
/ (losses) on financial instruments mandatorily held at FVTPL:
Derivatives associated with equity release portfolio' line in the
Income Statement.
Skipton Building Society
Results for the half year ended 30 June 2022
Consolidated statement of comprehensive income
6 months to 30.06.22 6 months to 30.06.21 12 months to 31.12.21
GBPm GBPm GBPm
================================================ ===================== ===================== ======================
Profit for the period 123.8 133.5 215.9
================================================ ===================== ===================== ======================
Other comprehensive income:
Items that will not be reclassified to profit
or loss:
Remeasurement (losses) / gains on defined
benefit obligations (4.0) 15.9 23.9
Gains on equity share investments designated at
FVOCI 0.9 - 2.5
Income tax on items that will not be
reclassified to profit or loss - (0.3) (3.1)
================================================ ===================== ===================== ======================
(3.1) 15.6 23.3
Items that may be reclassified subsequently to
profit or loss:
Movement in cash flow hedging reserve:
Gains taken to equity 35.0 13.9 26.8
Realised gains transferred to Income
Statement (17.0) (0.1) (0.1)
Movement in fair value reserve (debt
securities):
(Losses) / gains taken to equity (12.3) 2.1 1.6
Impairment loss allowance on debt securities
held at FVOCI 0.1 - 0.3
Realised losses transferred to Income
Statement - - 0.1
Movement in cost of hedging reserve:
Gains / (losses) taken to equity 1.5 0.5 (0.5)
Exchange differences on translation of foreign
operations 0.1 (0.3) (0.4)
Income tax on items that may be reclassified to
profit or loss (1.9) (4.2) (8.2)
================================================ ===================== ===================== ======================
5.5 11.9 19.6
================================================ ===================== ===================== ======================
Other comprehensive income for the period, net
of tax 2.4 27.5 42.9
================================================ ===================== ===================== ======================
Total comprehensive income for the period 126.2 161.0 258.8
================================================ ===================== ===================== ======================
Total comprehensive income attributable to:
Members of Skipton Building Society 126.2 160.9 258.7
Non-controlling interests - 0.1 0.1
================================================ ===================== ===================== ======================
126.2 161.0 258.8
================================================ ===================== ===================== ======================
Skipton Building Society
Results for the half year ended 30 June 2022
Consolidated statement of financial position
As at As at As at 31.12.21
30.06.22 30.06.21
GBPm GBPm GBPm
=========================================================== ========== ========== ===============
Assets
Cash in hand and balances with the Bank of England 2,843.0 2,286.9 2,433.6
Loans and advances to credit institutions 471.6 593.3 468.7
Debt securities 2,904.9 1,999.4 2,193.2
Derivative financial instruments 759.3 78.2 227.9
Loans and advances to customers held at amortised cost 23,355.0 22,722.1 23,024.8
Loans and advances to customers held at FVTPL 1.1 1.2 1.2
Equity release portfolio held at FVTPL 348.0 414.5 406.6
Current tax asset - - 1.0
Investments in joint ventures 9.1 9.1 9.5
Equity share investments mandatorily held at FVTPL 2.4 1.5 1.7
Equity share investments designated at FVOCI 9.4 - 8.5
Assets held for sale - 106.4 -
Property, plant and equipment 70.2 75.9 73.2
Right-of-use assets 96.3 101.0 95.8
Investment property 6.3 7.8 6.6
Intangible assets 334.1 361.9 345.6
Deferred tax asset 30.3 46.1 33.1
Retirement benefit surplus 1.5 0.5 1.2
Other assets 147.1 167.0 135.8
=========================================================== ========== ========== ===============
Total assets 31,389.6 28,972.8 29,468.0
=========================================================== ========== ========== ===============
Liabilities
Shares 20,902.3 19,432.2 19,759.8
Amounts owed to credit institutions 2,556.4 2,066.0 2,203.4
Amounts owed to other customers 2,182.8 2,126.9 2,249.2
Debt securities in issue 2,614.0 2,293.2 2,218.1
Derivative financial instruments 323.0 342.0 292.1
Current tax liability 1.4 5.3 -
Lease liabilities 110.3 124.9 114.4
Other liabilities 100.1 110.8 114.2
Accruals 72.2 90.5 102.3
Deferred income 5.6 4.6 5.6
Provisions for liabilities 36.5 36.9 36.4
Deferred tax liability - 0.2 0.1
Liabilities directly associated with assets held for sale - 16.6 -
Retirement benefit obligations 30.5 39.0 30.1
Subordinated liabilities 322.3 343.8 336.3
Subscribed capital 41.6 41.6 41.6
=========================================================== ========== ========== ===============
Total liabilities 29,299.0 27,074.5 27,503.6
Members' interests
General reserve 2,071.3 1,863.9 1,951.5
Fair value reserve (0.3) 5.2 7.5
Cash flow hedging reserve 17.4 (4.6) 4.0
Cost of hedging reserve (2.8) (2.9) (3.5)
Translation reserve 4.6 4.6 4.5
=========================================================== ========== ========== ===============
Attributable to members of Skipton Building Society 2,090.2 1,866.2 1,964.0
Non-controlling interests 0.4 32.1 0.4
=========================================================== ========== ========== ===============
Total members' interests 2,090.6 1,898.3 1,964.4
=========================================================== ========== ========== ===============
Total liabilities and members' interests 31,389.6 28,972.8 29,468.0
=========================================================== ========== ========== ===============
Skipton Building Society
Results for the half year ended 30 June 2022
Consolidated statement of cash flows
6 months to 6 months to 12 months to
30.06.22 30.06.21 31.12.21
GBPm GBPm GBPm
=========================================================================== ============ ============ =============
Cash flows from operating activities
Profit before tax 160.0 159.2 271.8
Adjustments for:
Impairment credit on loans and advances to customers (2.2) (14.8) (12.9)
Loans and advances written off, net of recoveries (1.3) (0.7) (0.9)
Impairment losses / (credit) on liquid assets 0.1 (0.1) 0.2
Impairment credit on trade receivables (0.5) - (0.2)
Depreciation and amortisation 38.4 63.8 107.1
Impairment of property, plant and equipment, right-of-use assets and
investment property 0.2 0.1 1.3
Income Statement charge for fair value of subsidiary management incentive
scheme liability 1.0 8.1 15.5
Fair value gains on equity share investments at FVTPL (0.7) (2.2) (2.3)
Interest on subordinated liabilities and subscribed capital 5.8 5.8 11.8
Interest on lease liabilities 1.0 0.8 1.8
Profit on disposal of property, plant and equipment, investment property
and intangible assets (0.1) - (0.4)
Profit on disposal of treasury assets - (0.1) (0.1)
Share of profits from joint ventures (0.4) (0.9) (1.2)
Profit on disposal of subsidiary undertakings (0.1) (0.3) (0.5)
Fair value losses on equity release portfolio 61.5 18.6 27.3
Fair value gains on step-acquisition of Group undertakings - (26.9) (26.9)
Fair value losses / (gains) on share warrants 0.8 (1.1) (3.2)
Realised losses on equity release portfolio 0.4 0.2 0.5
Other non-cash movements 10.2 (24.5) 31.3
=========================================================================== ============ ============ =============
274.1 185.0 420.0
Changes in operating assets and liabilities:
Movement in prepayments and accrued income (11.3) (21.1) (16.2)
Movement in accruals and deferred income (10.1) (2.9) 6.0
Movement in provisions for liabilities 0.1 (1.2) (1.8)
Movement in fair value of derivatives (500.5) (118.0) (317.6)
Movement in fair value adjustments for hedged risk 331.1 102.8 217.5
Fair value movements in debt securities 58.0 16.3 33.1
Movement in loans and advances to customers (722.7) (961.5) (1,474.3)
Movement in shares 1,180.2 750.2 1,105.5
Net movement in amounts owed to credit institutions and other customers 283.5 (85.2) 173.8
Repayment of amounts owed to credit institutions acquired on purchase of
subsidiary undertaking - (94.0) (93.0)
Net movement in debt securities in issue 394.5 (116.8) (167.8)
Net movement in loans and advances to credit institutions (13.0) 134.7 236.1
Net movement in other assets (14.3) (2.7) 20.3
Net movement in other liabilities (6.8) (65.5) (71.6)
Income taxes paid (33.1) (26.6) (57.0)
=========================================================================== ============ ============ =============
Net cash flows from operating activities 1,209.7 (306.5) 13.0
=========================================================================== ============ ============ =============
Skipton Building Society
Results for the half year ended 30 June 2022
Consolidated statement of cash flows (continued)
6 months to 6 months to 12 months to
30.06.22 30.06.21 31.12.21
GBPm GBPm GBPm
=========================================================================== ============ ============ =============
Net cash flows from operating activities 1,209.7 (306.5) 13.0
=========================================================================== ============ ============ =============
Cash flows from investing activities
Purchase of debt securities (1,140.1) (776.9) (1,795.4)
Proceeds from maturities and disposals of debt securities 370.3 266.3 1,074.1
Purchase of property, plant and equipment and investment property (4.0) (5.0) (10.8)
Purchase of intangible assets (3.0) (3.1) (6.8)
Proceeds from disposal of property, plant and equipment, investment
property and intangible
assets 0.2 1.4 2.3
Dividends received from joint ventures 0.8 2.1 2.1
Proceeds from disposal of assets held for sale - - 58.0
Contingent consideration received in respect of prior period disposals of
subsidiary undertakings
(net of costs) 6.4 6.4 6.4
Purchase of subsidiary undertakings in the year, net of cash acquired - (121.8) (121.8)
Investment in equity share investments - (0.1) (6.5)
Purchase of other business units (0.2) (0.2) (0.2)
Proceeds from disposal of associate - 7.8 7.8
Proceeds from disposal of equity share investments - - 0.4
=========================================================================== ============ ============ =============
Net cash flows from investing activities (769.6) (623.1) (790.4)
=========================================================================== ============ ============ =============
Cash flows from financing activities
Exercise of share options in subsidiary management incentive scheme (8.9) (0.8) (0.8)
Exercise of put options held by non-controlling shareholders (2.0) - -
Purchase of non-controlling interests - (0.6) (0.6)
Proceeds from issue of subordinated liabilities - - -
Interest paid on subordinated liabilities and subscribed capital (5.8) (5.8) (11.8)
Interest paid on lease liabilities (1.0) (0.8) (1.8)
Payment of lease liabilities (23.4) (20.8) (42.5)
=========================================================================== ============ ============ =============
Net cash flows from financing activities (41.1) (28.8) (57.5)
=========================================================================== ============ ============ =============
Net increase / (decrease) in cash and cash equivalents 399.0 (958.4) (834.9)
Cash and cash equivalents at 1 January 2,481.0 3,315.8 3,315.8
Decrease in impairment loss allowance on cash and cash equivalents - 0.1 0.1
=========================================================================== ============ ============ =============
Cash and cash equivalents at end of period 2,880.0 2,357.5 2,481.0
=========================================================================== ============ ============ =============
Analysis of the cash balances as shown within the Statement of
Financial Position:
As at As at As at
30.06.22 30.06.21 31.12.21
GBPm GBPm GBPm
==================================================== ========== ========== ==========
Cash in hand and balances with the Bank of England 2,843.0 2,286.9 2,433.6
Mandatory reserve deposit with the Bank of England (90.9) (81.1) (87.8)
==================================================== ========== ========== ==========
2,752.1 2,505.8 2,345.8
Loans and advances to credit institutions 127.9 151.7 135.2
==================================================== ========== ========== ==========
Cash and cash equivalents at end of period 2,880.0 2,357.5 2,481.0
==================================================== ========== ========== ==========
[1] Source: Bank of England statistics, 'Lending secured on
dwellings' for the 6 months to 30 June 2022.
[2] Source: CACI Current Account & Savings Database,
Stock
[3] Source: CACI Current Account & Savings Database
[4] Source: UK Finance industry arrears data (residential
mortgages in arrears by more than three months) as at 31 March
2022.
[5] The CET 1 ratio, UK leverage ratio and Liquidity Coverage
ratio are each presented in respect of Skipton's prudential
consolidation group; this comprises the entire Group except
Connells and a small number of other entities whose activities are
not closely aligned with the core business.
[6] The Society submitted updated IRB models to the PRA in 2021;
the process for review and approval is ongoing and therefore the
models remain subject to change.
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