Credit Risk Management

What is responsible lending?

Posted on May 31 2013 by

One of the FCA’s top priorities is to ensure creditors fully assess customer affordability before lending – so how can you put this into practice?

27th May 2013: Key Sectoral Trends

Posted on May 28 2013 by

Short-term trends are bleak: the weak eurozone is adversely affecting manufacturing via export demand whilst smaller businesses are being held back by lack of credit. Banks are under pressure from regulators and the public sector is struggling under its austerity programme. Consumers face poor labour market conditions while construction remains mired by lack of activity.

UK GDP: 2013q1 second estimate

Posted on May 23 2013 by

Peter Gutmann discusses Experian Economics 2013 first quarter second estimate of UK GDP.

UK Retail Sales: May 2013 Release

Posted on May 22 2013 by

Peter Gutmann discusses recent trends in the UK’s Retail sector.

UK Consumer Prices: May 2013 Release

Posted on May 21 2013 by

The Consumer Price Index (CPI) annual inflation rate showed an unexpected and marked fall in April to 2.4%, after six consecutive months in a tight range of 2.7% to 2.8%.

One-stop business intelligence service for SMEs

Posted on May 20 2013 by

Experian has been working hard to make its business information more accessible to small and medium sized firms (SMEs). This week we announced the most significant step so far in that journey. Business Express.

Two out of three UK adults plan to improve their finances by switching this year

Posted on May 20 2013 by

Two out of three UK adults plan to improve their finances by switching this year. Cost of existing financial commitments and an inability to afford repayments is the main driver.

20th May 2013: Labour Market Round-up

Posted on May 20 2013 by

The run of healthy labour market data, defying virtual stagnation in GDP and public sector job cuts in the past year, stalled in early 2013. The combination of job losses and extremely weak earnings growth will keep household incomes under pressure. However, conditions should improve later this year, buoyed by a pick up in the global backdrop, easing inflation and credit conditions.

13th May 2013: UK Housing Market Update

Posted on May 20 2013 by

House price growth is now gradually gaining some momentum. In contrast to our earlier view of a flat housing market in 2013, we now expect some improvement in activity and muted rise in house prices in the year as the government’s Funding for Lending and Help to Buy schemes begin to have an impact on the market.

Medium-sized firms increase resilience

Posted on May 09 2013 by

Business leaders, economic watchers and – indeed – anyone with an interest in our nation’s finances will have found some relief in recent GDP data indicating that the UK had avoided falling into another recession.