We provide market updates on important issues to key figures in the industry on different topics, but all related to our activities throughout Europe. We cover hot news stories and give our honest opinion on developments, threats and opportunities.
Our articles can be in the form of e-shots, ‘white papers’ or social media commentary, but we will not comment on trivial matters – you will not see us commenting on what type of coffee we are drinking whilst waiting for a train! You can catch up on our previous commentaries by looking at the archive below.
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The year is shaping up to be a challenging one for many lenders. So far, we have seen a widening of criteria, increases in risk layering and loosening of underwriting controls as firms attempt to achieve lending volume objectives. At the same time, competition has forced prices down, squeezing already tight margins. Sometimes we wonder […]
The core thrust of the Bank of England annual cyclical stress test focuses on the 7 major UK banks and building societies who present a systemic risk to the stability of the UK financial system. All other sector firms must also design their own specific stress testing system. To enable this analysis, the PRA publishes […]
It is not surprising that many businesses, and the media, hang on every word that comes out of the Bank of England. It seems that the appetite for news in the mortgage trade press is unsatisfiable and that the daily news machine often contains conflicting analysis of the same outputs. As an example, two recent […]
The peer to peer [P2P] lending market has never been without controversy; despite being regulated by the FCA from April 2014 when it took over the regulation of consumer credit from the OFT. As early as 2016, the FCA launched a review of its regulation of the crowdfunding sector and that review resulted in additional […]
“We have been attending the ABS conference for many years and thanks to everyone that visited our stand in Barcelona last week. Our senior team was present to meet many of our existing clients and explain to potential clients how we can add value and expertise to the process of trading asset backed portfolios.” Richard […]
We are pleased to announce that once again we will be exhibiting at the 23rd Annual Global ABS conference, taking place 11-13 June 2019, in Barcelona, Spain. Over 3,500 leaders in the global ABS market will attend this event, which is recognised as the largest annual European structured finance gathering. We have built a reputation […]
Even though more than a decade has passed since the global financial crisis, many banks, particularly in the EU, have struggled with high levels of NPLs. These loans have a negative effect on bank profitability and large numbers of bad loans reduce bank equity, with the result that it becomes more difficult to originate new […]
The recent PRA consultation paper as part of Solvency II throws the spotlight on how holders of mortgage assets monitor and value long term risk in equity release mortgages [‘ERM’]. The previous consultation set out a test for firms to measure the risks in the form of an Effective Value Test [‘EVT’] and this reflects […]