View more on these topics

Customer benefits may not be so good for shareholders

The regulator must understand every action it takes has consequences. If a lender lets a borrower off a few payments, or changes the terms of the loan to one that makes it more risky for the lender, that is all fine and dandy for the borrower.

But isn’t it ruining shareholder value, a group that is also a customer via their pension plans and insurance funds?

If you rejig a market to be nice to one group of customers, you are, by definition, being nasty to another group.

NAME AND ADDRESS SUPPLIED

Recommended

Roger Edwards

Critical illness is the real threat to income

During the recent ash cloud crisis it seems airlines largely decided for themselves whether or not to continue flying. Ryanair’s Michael O’Leary even declared the ash ’mythical’ after carrying out his own assessment of the airborne contamination. Everyone has their own attitude towards risk. For some people it might be taking up an exhilarating but […]

STEVEN NICHOLAS

Banks must lend to the smaller players

Given that we deal with developers and business owners all the time, we get an insight into the state of the British economy and the troubles facing businesses. And it’s no easy street. We recently completed a short-term finance deal that effectively kept a Yorkshire manufacturing business open and 25 people in employment. The business […]

Newsletter

News and expert analysis straight to your inbox

Sign up