Center for Creative Land Recycling (CCLR)’s Post

🚫 The West Bank is facing a unique financial situation, with an influx of cash raising concerns among lenders. The Financial Times delves into the details of this complex issue. Is too much cash really a problem? Find out in the article. #WestBank #FinancialTimes #MoneyMatters https://ift.tt/wX34Cua

We've got more tips today from Andy Ellison and MVBoC! Listen below to learn the 6 considerations in finding the right bank for your business deposits 💵 https://brev.is/KTg2M

We've got more tips today from Andy Ellison and MVBoC! Listen below to learn the 6 considerations in finding the right bank for your business deposits 💵 https://brev.is/Bq9rL

Yesterday's speech on the state of the banking sector by the Governor of the Bank of England rightly identifies the importance of consistent capital requirements across national jurisdictions in order to ensure competitiveness. Unfortunately the Governor glosses over the gold plating being proposed by the PRA in implementing Basel 3.1 in the UK. In practice the PRA's proposals go well beyond international requirements. This will not only impact UK competitiveness (and market valuations of UK banks - a theme of the speech) but will significantly impact growth in the real economy in the UK and availability of finance for British small firms - just as today's GDP figures showed negative growth. A study carried out by Oxera Consulting LLP estimates that the PRA’s proposed approach to implementing Basel 3.1 will remove up to £44bn of funding from UK small and medium sized businesses (SMEs) - see comment below for link. This also disproportionately affects Britain's challenger banks - yet these are the banks that have the highest customer satisfaction; have done the most to pass interest rate rises on to their savings customers; and that now provide over half of all lending to small firms (more than the big banks combined). Our Innovate Finance report 'Better Banking' provides more on this - see link in comments below. We need the UK approach to Basel 3.1 (and MREL) capital requirements to be reviewed and for regulators to better support the competitiveness and growth of our challenger bank sector and lending to SMEs that supports growth. #Basel3 #BetterBanking #SMElending

Insightful overview of the UK banking sector from the Governor, which covers pre-GFC, pre and post Covid periods. Some highlights from the speech: • UK banks resilient through latest disruptions; • Credit conditions recovering to pre-Covid level, but challenges persist; • Market valuations of banks still paradoxically low in comparison to pre-GFC period; • Future challenges: digital-era bank runs, reserves balance for financial stability, and ongoing relevance of reforms; • Emphasis on interest margin sensitivity and competition for future banking dynamics. #bankofengland #banking #financialstability

In many cases, this data (and other critical information) is buried in the Loans and Credit Loss Disclosures. But with the proper tools, extracting so that you can USE it need not be onerous. #smartdata #finance #earnings #banks #disclosures #hiddengems

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Hey everyone, check out this interesting article from the Financial Times about the situation in the West Bank. It highlights the challenges faced by lenders due to the excess cash in the region. Definitely worth a read to get a deeper understanding of the financial landscape there. #WestBank #FinancialNews #BankingChallenges https://ift.tt/e0qQoxr

Building solid relationships with your banker, your staff and your community is the best protection against uncertain economic times. Read more on market advantages and challenges in the 2024 Q1 Financial Feed as Jeff Hultman, President and CEO, provides insight on how to respond and what the bank is doing to help. https://bit.ly/3v8nwDs