Sink Or Swim With The Charts

Sink Or Swim With The Charts

The latest Bank of England Inflation Report  has altered Bank of England Governor Mark Carney’s Interest Rate Policy since the first Report (August 2013). Now, reflecting the falling unemployment and economic recovery, policy will be determined by a wider range of indicators other than the previous indicator of unemployment falling to 7% or below. The [...]
What’s Happening?

What’s Happening?

With inflation falling to the Bank of England’s 2% target for the first time in four years and numbers from Bank of England Credit Conditions Survey (2013 Q4)  continuing an upward trend, the notion of  ‘positive’ outlook has (for some) been reinforced. Could it be that Default Rates on lending to small businesses  being reported as [...]
Business Finance Junction – January 2014

Business Finance Junction – January 2014

The month of predictions is here... so while we get down to business.... here’s a roundup of what’s being said... Disrupting Business - The Guardian Interest Rates - FT.com  Manufacturing - BBC.co.uk Opportunity - Express Food - Independent Housing - ibtimes.co.uk UK Economy - BBC.co.uk Image and Article credit: Copyright SUF 2014 ©
The Banking Reform Act

The Banking Reform Act

The Banking Reform Act, ring fencing retail and investment banking, and implementing recommendations of the Parliamentary Commission on Banking standard (including criminal offences for senior bankers misconduct), has become law. As is said, this is just the beginning. Although, ring-fenced banks will not be able to hold or own the capital of other non ring-fenced [...]
Should I Stay Or Should I Grow?

Should I Stay Or Should I Grow?

Currently ‘forward guidance’  has been given that, providing unemployment remains above 7%, interest rates will not go above the four year static 0.5%, which theoretically could mean interest rates staying at 0.5% for yet another couple of years, which has been a ‘norm’ for the past few years. Although low rates haven’t proven to assist [...]
Banks: Top-Down

Banks: Top-Down

The Governor of The Bank of England recently said, of the banking industry, “The cultural issue is fundamentally important. There has to be a change in the culture of these institutions". Generally little-understood, retail banking institutions, with business-principled kernels, have sometimes amused the public with their comforting marketing campaign strategies that carry messages of a [...]