Insights

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552 insights found

What Does Bank Rebranding Mean for Counterparty Risk?
18 Aug 2026Banking

What Does Bank Rebranding Mean for Counterparty Risk?

A bank’s brand may change, but treasury risk is determined by the legal entity behind it, not the name customers see. Rebrands such as Halifax becoming Lloyds should therefore prompt a review of the underlying counterparty, banking licence, ratings and group exposure - not an automatic change in risk assessment.

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How Much Cash Should a Charity Keep in Reserve?
13 Aug 2026Charities

How Much Cash Should a Charity Keep in Reserve?

A strong charity reserves policy goes beyond the familiar three-month cash rule. Explore how liquidity needs, investment risk, fund classifications, stress testing and strategic priorities can shape a more resilient, defensible approach to reserves in today’s increasingly scrutinised environment overall.

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What Would a Stress Test of Your Organisation Show?
06 Aug 2026Universities

What Would a Stress Test of Your Organisation Show?

Thirty universities, housing associations and charities were modelled under a prolonged income shock, demonstrating how stress testing can serve as a constructive, diagnostic and exploratory tool, revealing resilience, emerging liquidity pressures and potential funding needs before problems become critical.

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Are Banks the Only Source of Revolving Funding Available to Housing Associations?
05 Aug 2026Housing

Are Banks the Only Source of Revolving Funding Available to Housing Associations?

Banks are not the only source of revolving funding for housing associations. Arlingclose’s local authority-backed facilities offer flexible, unsecured and cost-effective alternatives, tailored to borrowers of all sizes while aligning investors’ financial objectives with social and ESG priorities.

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Who Was the Laird of Tomintoul?
29 Jul 2026Local Authorities

Who Was the Laird of Tomintoul?

A Metropolitan Police accountant stole £5.3 million meant largely for counter-terrorism, funding a lavish life as the self-styled Laird of Tomintoul. Discover how weak controls enabled the fraud, how a local bank exposed it, and the lessons for finance professionals.

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What Could CIPFA’s Proposed Prudential Code Changes Mean for Local Authorities?
20 Jul 2026Technical

What Could CIPFA’s Proposed Prudential Code Changes Mean for Local Authorities?

CIPFA’s latest consultation signals a fundamental shift in the prudential framework, placing the liability benchmark at the centre of how local authorities assess borrowing needs, affordability and longer-term treasury strategy. Although the revised Codes are not expected to apply until 2027/28, authorities should begin preparing now for more integrated forecasting, enhanced group-risk reporting and significant changes to prudential indicators, governance and reporting arrangements.

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