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Charities often have detailed investment policies, but borrowing decisions can carry equal strategic and financial significance. A formal borrowing policy helps trustees ensure debt is used deliberately, affordably and in line with the charity’s purposes, while protecting reserves, assets and long-term flexibility.
English higher education finances improved unexpectedly in 2024-25, but weak margins, recruitment uncertainty, policy risks and lower liquidity remain serious concerns. Treasury teams must stress-test student income, cash flow, debt facilities and capital plans against a tougher operating environment.
PMIs provide a timely snapshot of business activity and confidence across key parts of the UK economy. They are useful leading indicators of growth momentum, demand, employment trends and pricing pressures.
Private credit’s rapid growth has raised concerns around opacity, valuation and default risk, but current exposures appear contained rather than systemically threatening.
Housing associations and local authorities can tackle the housing supply crisis through joint ventures but choosing the right structure matters. LLPs, limited companies, and unincorporated arrangements each carry distinct tax, liability, and governance implications that can make or break a development's success.
A sharp rise in April’s public sector borrowing has exposed the fragility of the UK’s fiscal position, making continual assessment of funding strategy, investment returns and treasury risk more important than ever.
Local government reorganisation creates uncertainty, but treasury management cannot pause: authorities need robust data, clear documentation, resilient liquidity, aligned governance and operational readiness from vesting day. By focusing now on actions that remain prudent under any future structure, treasury teams can protect financial resilience while preserving the flexibility needed to adapt as new arrangements emerge.
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.
Crypto may remain too volatile for most treasury portfolios, but the technology behind it could reshape how investors access, settle and manage funds. Tokenised money market funds, stablecoins and DLT are moving from theory to practical treasury applications, with regulation beginning to catch up.
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