All about Treasury Today
1 May 2026
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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.
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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With new unitary authorities on the horizon, treasury managers need to consider now how future borrowing and investment positions could reshape the decisions they make today.
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.
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.
A practical guide to valuing private placements and other university debt instruments at year end, including market inputs, credit spreads and audit-ready evidence.
Bank Stress Tests 2017 – Resilience, but no room for complacency hero image
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The Bank of England’s latest stress test explores how a severe economic shock could affect private markets and whether the actions of investors, lenders and fund managers could amplify financial stress. It highlights the growing importance of private markets to overall financial stability.
Private credit’s rapid growth has raised concerns around opacity, valuation and default risk, but current exposures appear contained rather than systemically threatening.
Volatility reflects market uncertainty and investor sentiment, often rising during periods of geopolitical tension, policy change or economic concern, but it should not be treated as the same as permanent loss risk.
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