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2022 – will there be good progress in Housing Affordability?

A good standard of housing is a basic need. Increasingly housing has become less affordable for a growing number of people in many locations worldwide.

This post focuses on the UK ( my home market). Affordable housing is however a global issue. As an illustration

A World Economic Forum report 10 ways cities are tackling the global […]

By |January 2nd, 2022|Uncategorised|0 Comments

What should governments be doing to support financing of wholesale Affordable Housing?

In this article the focus is on the financing of large scale affordable housing transactions. There is also a focus on how government can support wholesale affordable housing  finance transactions. The suggestions in this article will however  also be relevant to Development Finance Institutions.

The problem

Although experience varies from country to country and within countries, Statistics […]

By |December 8th, 2021|Uncategorised|0 Comments

Will and when will housing become more affordable?

Housing affordability has been a growing problem for an increasing number of people in recent years

At a time when technology is disrupting many industries leading to declining prices for a wide range of consumer goods and services, housing has become increasingly unaffordable for a growing number of people. Improving affordability should be a major priority […]

By |December 2nd, 2021|Uncategorised|0 Comments

PPP- Post COVID-19, 7 themes to consider

 

As we all continue to hope that the adverse impact of COVID-19 on people’s physical health becomes sufficiently manageable that it is safe to continue to reduce the restrictions on our daily activities, governments will need to develop sustainable solutions on an ongoing basis to stimulate economic activity.

PPP will be one of the tools that […]

By |July 19th, 2020|Uncategorised|0 Comments

Extreme events, rapid disruption – implications for loan and investment losses?

 

Has corporate financial analysis been too focussed on past financial performance rather than an assessment of risks facing businesses?  Are we living at a time of increasing numbers of extreme risks that have been underestimated? How will recent extreme events impact the pricing of risk and potential losses in corporate insolvencies?

The video in this post […]

By |June 18th, 2020|Uncategorised|0 Comments

Corporate Qualitative and Financial Analysis at a time of rapid change – summary of key points

In the IMF World Economic Outlook update, January 2019 https://www.imf.org/en/Publications/WEO/Issues/2019/01/11/weo-update-january-2019

it was stated that “….Risks to global growth tilt to the downside. An escalation of trade tensions beyond those already incorporated in the forecast remains a key source of risk to the outlook. Financial conditions have already tightened since the fall. A range of triggers beyond escalating […]

By |February 25th, 2019|Uncategorised|0 Comments

Risk Analysis and warning signs of Corporate distress

As we are at a late stage of the current economic cycle we will start seeing more companies facing financial distress.

Combined with the rapid and disruptive changes in the business environment, losses on corporate credit exposures may be significantly higher than in previous economic cycles. So as part of a corporate risk analysis it is […]

By |February 13th, 2019|Uncategorised|0 Comments

Analysing the capital structure and financial risk exposures of corporates is crucial

 

….Companies will be exposed to foreign exchange rate risks.

……Traditional Corporate Finance theory is that, as debt is a cheaper form of raising capital than equity, a company should use leverage to enhance equity returns.

Having some debt is understandable. Companies will have foreign exchange exposures . However at a time of uncertainty and rapid change in the […]

By |February 5th, 2019|Uncategorised|0 Comments

How do you measure corporate financial performance when there is rapid and disruptive change?

Traditional methods of measuring financial performance were mostly developed at a time when change was more gradual. In today’s rapidly changing and disruptive business environment, the  traditional methods of financial performance analysis may not be as effective as they once were in the past… This begs the following questions:

1.  To what extent are the traditional […]

By |January 29th, 2019|Uncategorised|0 Comments

Accounting and financial statements – do we believe the numbers?

In an attempt to provide more information to lenders and investors financial statements and associated notes are often lengthy.However, the volume of information and the way in which it is presented can be confusing, particularly with groups with complex ownership structures and substantial intragroup transactions. Even worse, as there is scope for how the items […]

By |January 22nd, 2019|Uncategorised|0 Comments