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The new duty is particularly significant for being more granular, requiring "good outcomes" and no "forseeable harm" for customers across products and services, price and value. The duty will help the FCA tackle harms pre-emptively to stop a mis-selling scandal in the first place, she added. Firms will have to demonstrate to the FCA how they are providing good outcomes, a step the watchdog hopes will improve on the low trust in financial services. It says it will help ensure that banks pass on higher interest rates to savers, and provide help to those struggling to pay a mortgage. ($1 = 0.7770 pounds)Reporting by Huw Jones; Editing by Conor HumphriesOur Standards: The Thomson Reuters Trust Principles.
Persons: Nisha Arora, Arora, Philip Deeks, James's, Jonathan Herbst, Herbst, KPMG's Deeks, Deeks, Huw Jones, Conor Humphries Organizations: Financial, Authority, FCA, Reuters, Norton Rose, Thomson
A Reuters poll of economists had pointed to approvals of 49,000, after 51,143 mortgages were approved in May. The value of net mortgage lending for the second quarter as a whole fell compared with the first quarter - the first quarterly contraction since records began in 1987. The BoE is expected to raise interest rates to 5.25% on Thursday from 5.0%, which would be the highest Bank Rate since 2008. "Looking ahead, growth in households' real disposable incomes will be weighed down by mortgage refinancing," said Samuel Tombs, chief UK economist at consultancy Pantheon Macroeconomics. The BoE reported a 1.661 billion pound ($2.13 billion) monthly increase in net consumer lending June, the largest such increase since April 2018.
Persons: Banks, Liz Truss, BoE, Thomas Pugh, Samuel Tombs, Andy Bruce, David Milliken, Sarah Young, Christina Fincher Organizations: Bank of, RSM, Thomson
In a complaint filed in Brooklyn federal court, the SEC said Heart, also known as Richard Schueler, touted his Hex token, PulseX asset trading platform and PulseChain asset network on YouTube and other websites as pathways to "grandiose wealth." The SEC accused Heart of spending investor funds on McLaren and Ferrari sports cars, four Rolex watches and "The Enigma," which cost 3.16 million British pounds (then $4.28 million) at auction and was purportedly the world's largest black diamond. Heart, 43, is a U.S. citizen believed to live in Helsinki, Finland, the SEC said. He did not immediately respond to a request for comment through LinkedIn. Hex, PulseX and PulseChain are also defendants.
Persons: Richard Heart, Richard Schueler, Jonathan Stempel, Chris Prentice, Katharine Jackson, Ismail Shakil, Will Dunham, Mark Porter Organizations: YORK, U.S . Securities, Exchange Commission, SEC, YouTube, McLaren, Ferrari, Rolex, Thomson Locations: Brooklyn, U.S, Helsinki, Finland, New York
REUTERS/Henry Nicholls/File PhotoLONDON, July 31 (Reuters) - Britain's banks and building societies have until the end of August to justify to regulators why some of their savings rates are low or face sanctions, the markets watchdog said on Monday, as Bank of England rates look set to rise to their highest since 2008. Smaller lenders offer higher savings rates than their bigger rivals, the FCA added. "Firms offering the lowest savings rates will be required to justify by the end of August how those rates offer fair value, according to the consumer duty that enters into force today," the FCA said in a statement. Banks and building societies offering the lowest rates have to complete a "fair value" assessment for the regulator by the end of August. The FCA will also review the timing of changes to savings rates each time BoE rates move, publish an analysis every six months of easy-access rates, analyse how savings products contribute to profitability and, by the end of March 2024, review how firms engage with customers.
Persons: Henry Nicholls, Banks, BoE, Huw Jones, Kevin Liffey Organizations: REUTERS, Bank of, Financial Conduct Authority, Lloyds, HSBC, NatWest, Santander UK, Barclays, Nationwide Building Society, TSB Bank, Virgin Money, Bank, FCA, Thomson Locations: London, Britain
Manchester United sign $1.1 bln Adidas kit deal for 10 years
  + stars: | 2023-07-31 | by ( ) www.reuters.com   time to read: +2 min
[1/2] Manchester United's Mason Mount in a preseason friendly, Manchester United v Olympique Lyonnais, in Murrayfield Stadium, Edinburgh, Scotland, July 19, 2023 Action Images via Reuters/Lee SmithJuly 31 (Reuters) - Manchester United (MANU.N) signed a 900 million pound ($1.1 billion) deal with Adidas (ADSGn.DE) on Monday, renewing the English soccer club's partnership with its official kit supplier for 10 more years. Manchester United, whose U.S. owners have been considering selling the Premier League club, will return to the lucrative UEFA Champions League this year after securing a top-four finish in the domestic league last season under manager Erik ten Hag. "The new deal increases the focus on the Manchester United women's team since their reintroduction in 2018," United said in a joint press release with Adidas. The new deal with Adidas, ahead of the 2023/24 Premier League season starting next month, will continue the partnership until June 2035, the northwest England-based club said. The original agreement with Adidas links a part of the yearly payments to the club's participation in the Champions League, according to the company's latest annual report.
Persons: Manchester United's Mason, Lee Smith, Erik ten Hag, Glazer, Qatar's Sheikh Jassim bin Hamad, Jim Ratcliffe, Bjorn Gulden, Yadarisa, Nivedita Bhattacharjee, Mark Potter Organizations: Manchester, Manchester United, Olympique Lyonnais, Adidas, soccer, Premier League, UEFA Champions League, Nike, Manchester United women's, Champions League, Champions, United, Thomson Locations: Murrayfield, Edinburgh, Scotland, Thani, British, England, Bengaluru
Richard Truong is a 26-year-old software engineer from Pennsylvania who has been a Costco member since 2016. On a recent trip to Japan, Truong stopped by the Costco warehouse in Kyoto to see the differences. I work as a software engineer for a large insurance company in Pennsylvania, and I've been a member of Costco since 2016. It's fun to wander around Costco warehouses in different countries and see what they have — what's similar to the US and what's specific to that region. Japan has 32 Costco warehouses – here's what I saw on my visit to the one in Kyoto.
Persons: Richard Truong, Truong, I've, it's Organizations: Costco, Service Locations: Pennsylvania, Japan, Kyoto, Wall, Silicon
Yet a sharp drawdown in the excess savings created by COVID-19 could be a curve ball that slams into bullish sentiment. U.S. excess savings have fallen to around $500 billion from around $2.1 trillion in August 2021, the San Francisco Federal Reserve estimates. In Europe, Deutsche Bank reckons excess savings in Sweden, struggling to contain a property slump, have dwindled. Reuters GraphicsRUNNING OUTDefinitions for excess savings differ, but economists generally agree that this means savings that went beyond trend levels during the pandemic. Cardano chief economist Shweta Singh said U.S. pandemic excess savings are likely to be depleted by year-end.
Persons: Rachel Adams, Janus Henderson, Oliver Blackbourn, Shweta Singh, Guy Miller, Jamie Dimon, Ben, Eren Osman, Arbuthnot Latham, Janus Henderson's Blackbourn, U.S . Russell, Russell, Goldman Sachs, Blackbourn, Zurich's Miller, Simon Bell, Guilluame Paillat, Paillat, Naomi Rovnick, Sharon Singleton Organizations: Oxford, REUTERS, San Francisco Federal, Deutsche Bank, Reuters, Insurance Group, Ryanair, JPMorgan, Unilever, U.S ., London's, Bank of, Aviva, Thomson Locations: Britain, London, China, Europe, U.S, Sweden, United States, downturns, Australia
The pair sat down for some hummus and a doggy biscuit at a West Village restaurant near Kingsman’s rented home away from home. My mom is British, one of the “Ten Pound Poms”: They needed an immigration boost in Australia so they handed out 10-pounds tickets to British people. But there is a brilliant industry in London and once I started working, it was very hard to leave. When my character says “Women’s voices aren’t getting heard in theater,” a U.K. audience knows that’s me doing a joke about a woman who would say that very sincerely onstage. Somebody’s died: ‘Oh no.’ ” I just started laughing at a very serious-themed play.
Persons: England —, , aren’t, that’s, “ Sweeney Todd, , gravitas, Somebody’s Organizations: Locations: Village, Kingsman’s, Britain, Australia, England, London, New York, American
Multiple sea drone attack carried out on Russian assets in Crimea and the Black Sea have grabbed recent headlines, with dramatic videos posted online. These sea drones are targeting the Russians in the Black Sea. “The speed of these drones exceeds any sea craft in the Black Sea region at the moment.”The speed and difficulties in detection may go some way to explaining how the drones that attacked the bridge traveled undetected in the dark across the Black Sea to the bridge. Especially since the Admiral Makarov was newly installed as the Black Sea flagship after the Moskva was famously sunk by Ukrainian forces in April 2022. Russia claimed it was responding to an area it says was housing sea drones.
Persons: Makarov, Putin, , menacingly, Admiral Makarov, Organizations: Ukraine CNN —, Boston Whaler, CNN, , UNESCO, Heritage Locations: Ukraine, Boston, Crimean, Russia, Crimea, Kerch, Crimea’s Sevastopol, Sevastopol, Moskva, Russian
Rory Bradshaw, 31, has been teaching yoga classes at a male prison in the UK for the last four years. Here's what its like to be a prison yoga instructor, as told to Insider's Aaron Mok. But on the side, I make money as a prison yoga instructor — and it's been a real privilege. At the center, there were women running free community yoga classes who encouraged me to attend, and I immediately connected with the practice. I have ambitions to one day get yoga into every prison prison cell in the country.
Persons: Rory Bradshaw, Bradshaw, Insider's Aaron Mok, , it's, I'd, I'm, I've, It's Locations: London, South London
CENTRAL BANK 'SHATTERED'It has marked a dramatic reversal for a man once seen as a possible president. After taking the helm of the central bank, Salameh built a reputation as a competent steward of the financial system. The central bank, known as Banque du Liban (BDL), has always said the operations were legal. Defending his record on Wednesday, Salameh said the central bank had contributed to "establishing economic stability and development" during 27 years of his tenure. "Neither directly nor indirectly did any money from the Central Bank go to Forry," Salameh said in Wednesday's interview.
Persons: Riad Salameh, Salameh, LBCI, Nasser Saidi, Raja, Salameh's, Marianne Howayek, Howayek, Friederike Heine, Tom Perry, Toby Chopra Organizations: Reuters, Banque du Liban, Forry Associates, Central Bank, Thomson Locations: BEIRUT, Lebanese, Lebanon, Banque, Salameh, France, Germany
Ukraine has unveiled its new sea drone to the public for the first time, CNN reported. The quick, deadly drone is packed with explosives and is hunting Russia's Black Sea Fleet. "Russia's equipment is from the 20th Century, and ours is from the 21st," the developer of the drones told CNN. The outlet got an exclusive look at the new naval drone, which is designed to attack Russia's Black Sea Fleet. "These are faster than anything else in the Black Sea," the developer said.
Persons: Russia's Organizations: CNN, Service, Ukraine, Black, Fleet Locations: Ukraine, Wall, Silicon, Russian, Ukrainian, Kerch, Russia, Crimea, Moscow, Kyiv
When I'm shooting content with an extra 20 pounds on me, it's a heavy workout. Gunner often adopts military themes for her content for OnlyFans. Taylor GunnerThe fans loved how I incorporated my former life as a Marine into my content, especially service members. One of the biggest reasons I brought the Marines into my content was to watch out for veterans. A lot of people wear their husband's or partner's military uniforms in photos and videos.
Persons: Taylor Gunner, I'm, that's, Gunner, I'd, I've, It's, it's, Nobody Organizations: US Marine Corps, Service, Marine Corps, Marines, Twitter Locations: Wall, Silicon, Parris, , South Carolina, North Carolina, Mississippi , California, Arizona, Missouri, Europe
The United States and Europe have wrestled for months with the question of how to pay for Ukraine’s reconstruction from the war. As Russia pounds cities, factories and infrastructure in Ukraine, the estimated costs have swelled to $500 billion, with some experts citing numbers as high as $1 trillion. One solution seemed brilliant in its simplicity: What better way to foot the bill, and to make a moral point, than to make Russia pay? Experts warn that it would likely violate international law and potentially set a dangerous precedent for countries to take the assets of others. The money once seemed easily within reach — since the beginning of the full-scale Russian invasion, Western nations have frozen more than $330 billion in Russian Central Bank assets held abroad.
Organizations: Russian Central Bank Locations: States, Europe, Russia, Ukraine,
Davies said he intended to stay on at the bank for now - after also facing calls to resign - and confirmed for the first time that political pressure forced the board's hand in Rose's exit. "The political reaction to that was such... that her position was then untenable," he told reporters. Britain's finance ministry said the decision for Rose to depart was made by her and the bank's board. "The NatWest board is responsible for the bank's strategic and operational management," a Treasury spokesperson said. ($1 = 0.7820 pounds)Reporting by Iain Withers and Lawrence White, editing by Sinead Cruise and Tomasz JanowskiOur Standards: The Thomson Reuters Trust Principles.
Persons: Davies, Nigel Farage's, Rose, Howard Davies, Alison Rose, Nigel Farage, Coutts, Peter Flavel, We've, Alison, Travers Smith, Paul Thwaite, Iain Withers, Lawrence White, Sinead Cruise, Tomasz Janowski Organizations: NatWest, Rose NatWest, BBC, Treasury, Reuters, Thomson Locations: Britain's, Rose's, Britain
Five affected Conservative-led local authorities argued the decision to expand ULEZ was unlawful, but their legal challenge was rejected on Friday. "This landmark decision is good news as it means we can proceed with cleaning up the air in outer London," Khan said in a statement following the ruling. Britain's green agenda has been in focus over the past week after the governing Conservative Party won an election in former Prime Minister Boris Johnson's old seat just outside central London, in part by attacking the ULEZ expansion. Judge Jonathan Swift rejected all three grounds of challenge to the expansion of ULEZ, including that the public consultation on the proposed expansion was unlawful. ($1 = 0.7809 pounds)Reporting by Sam Tobin, Editing by Kylie MacLellan and Tomasz JanowskiOur Standards: The Thomson Reuters Trust Principles.
Persons: Sadiq Khan, Khan, Boris Johnson's, Keir Starmer, Conservative – Johnson, Jonathan Swift, Sam Tobin, Kylie MacLellan, Tomasz Janowski Organizations: London's Labour, Conservative, Transport, Conservative Party, Labour Party's, London, Thomson Locations: British, Greater London, leafier, London
[1/2] A man walks past ATM machines at branch of the NatWest bank in Manchester, Britain September 21, 2017. Davies said he intended to stay at the bank for now and confirmed for the first time on Friday that political pressure had played a part in Rose's exit. "The political reaction to retaining Alison as CEO was such that her position was untenable," he told reporters. NatWest reported pre-tax profit of 3.6 billion pounds ($4.6 billion) for the period, compared to 2.6 billion pounds the prior year and above the 3.3 billion pound average of analyst forecasts compiled by the bank. NatWest booked a 233 million pounds charge for potential loan defaults - compared to the release of 54 million pounds last year - and lowered its net interest margin forecast for the year to below 3.2%, with an expectation of it hitting 3.15%.
Persons: Phil Noble, Davies, Nigel Farage's, Rose, Howard Davies, Alison Rose, Nigel Farage, Coutts, Peter Flavel, Alison, We've, NatWest's, Paul Thwaite, Thwaite, Iain Withers, Lawrence White, Sinead Cruise, Tomasz Janowski Organizations: NatWest, REUTERS, Rose NatWest, BBC, Reuters, Rivals Barclays, Lloyds, Barclays, Thomson Locations: Manchester, Britain, Britain's, Rose's
NatWest reports profit rise amid fallout from Farage fiasco
  + stars: | 2023-07-28 | by ( ) www.cnbc.com   time to read: +3 min
A sign outside a NatWest Group Plc bank branch in the City of London, UK, on Tuesday, July 25, 2023. Natwest is due to report first-half results on Friday, July 28. NatWest reported pre-tax profit of £3.6 billion ($4.6 billion) for the period, compared to £2.6 billion the prior year and above the £3.3 billion average of analyst forecasts compiled by the bank. NatWest remains under pressure over the Farage scandal. NatWest is nearly 40% taxpayer-owned following its bailout during the 2008-2009 global financial crisis, adding more weight to the government's position.
Persons: Hollie Adams, Nigel Farage, Alison Rose, Coutts, Rose, Peter Flavel, Paul Thwaite, Howard Davies, Thwaite Organizations: NatWest Group, City of, Natwest, Bloomberg, Getty, NatWest, BBC, Reuters, Rivals Barclays, Lloyds, Barclays Locations: City, City of London, Britain
SummaryCompanies Q2 sales and earnings beat estimatesReiterates full-year guidanceNo revenue from COVID vaccine in Q2Shares up 3.1% in early tradeCompany is largest drugmaker in ChinaLONDON, July 28 (Reuters) - AstraZeneca (AZN.L) on Friday delivered better-than-expected profits and sales in the second quarter as a strong performance of its blockbuster cancer drugs helped offset the loss of COVID-19 vaccine sales. The Anglo-Swedish drugmaker posted an adjusted profit of $2.15 per share, up 25% and exceeding the $1.98 per share expected in company-compiled consensus estimates. Total revenue in the quarter was $11.4 billion, up 6% and beating company-compiled analyst estimates of $10.97 billion. Excluding COVID medicines, sales in China grew by 7% at constant exchange rates in the quarter, the fourth consecutive quarter of growth on that basis. AstraZeneca is the largest drugmaker in China, which accounted for 13% of last year's revenue.
Persons: Swedish drugmaker, Pascal Soriot, Markus Manns, Alexion, drugmaker, Maggie Fick, Radhika Anilkumar, Nivedita Bhattacharjee, Josephine Mason Organizations: AstraZeneca, UK's, Pfizer, Moderna, U.S, Union Investment, Thomson Locations: China LONDON, Swedish, China, London, Bengaluru
What lies beneath Land mines left by Russian forces in Ukraine pose a deadly threat to Kyiv's military - and civilians in liberated territory. On average, anti-vehicle mines caused more incidents with multiple fatalities than anti-personnel mines did. GICHD has documented at least 12 types of anti-personnel mines and nine types of anti-vehicle mines in use in Ukraine. Formerly occupied towns in Kyiv; Sumy, Chernihiv, Mykolaiv and Kharkiv oblasts all saw a large number of mines, especially anti-personnel mines, left in place, Mathewson said. Ukraine is a signatory to the 1997 Convention on the Prohibition of the Use, Stockpiling, Production and Transfer of Anti-Personnel Mines and on their Destruction, and had been destroying its anti-personnel mines when the war began.
Persons: Mark Hiznay, , Adam Komorowski, Tymur Pistriuha, Hiznay, PARM, GICHD, Andro Mathewson, , Komorowsi, Mick Ryan, Mathewson, Nacho Doce, Pistriuha, Komorowski, ” Ryan, Ryan, Jack Watling, Watling, ” Watling, demining Organizations: Russian, Reuters, HALO Trust, Human Rights Watch, Advisory, Geneva International Centre, Humanitarian, Ukrainian Deminers Association, Ukrainian, U.S . Army, Australian Army, REUTERS, HALO, Mines, Royal United Services Institute, United, Surveyors, State Emergency Service, Dnipro River’s Locations: Ukraine, Ukrainian, Russian, Russia, Zaporizhzhia, Donetsk, Eastern Europe, South America, Caribbean, Soviet Union, Afghanistan, Germany, Kharkiv, Zaporizhzhia oblast, Kherson, Iraqi, Kyiv, Sumy, Chernihiv, Mykolaiv, , Vuhledar, United Nations, Nova, Izium
July 27 (Reuters) - Britain's Centrica (CNA.L) proposed a 33% increase in its interim dividend on Thursday after posting a jump in first-half profits, buoyed by higher returns from its British Gas supply business. The British Gas Energy supply division posted adjusted profits of 969 million pounds ($1.25 billion) compared with 98 million the same period last year. Centrica said some 500 million pounds of this related to changes to the regulator's price cap which allowed the company to recoup previously lost costs. The company also announced plans to invest 4 billion pounds by 2028 on security of supply, energy flexibility and renewable power. Overall Centrica's adjusted operating profit for the first six months of 2023 rose to 2.08 billion pounds up from 1.34 billion pounds a year earlier.
Persons: Centrica, Susanna Twidale, Prerna Bedi, Varun, Sharon Singleton Organizations: British Gas, British Gas Energy, Thomson Locations: Britain, London, Bengaluru
Eli Lilly's obesity drug succeeds in two late-stage studies
  + stars: | 2023-07-27 | by ( ) www.reuters.com   time to read: +1 min
July 27 (Reuters) - Eli Lilly (LLY.N) said on Thursday its experimental obesity drug met the main goals in two late-stage studies, with the drug helping patients reduce 26.6% weight on average in one of the studies following intensive lifestyle changes. The company said both the late-stage studies also achieved all secondary goals. Overall safety of the drug tirzepatide, sold under the name Mounjaro for diabetes, was similar to that observed in previous studies. The results follow strong data for the drug from two earlier trials. Reporting by Bhanvi Satija and Leroy Leo in Bengaluru; Editing by Saumyadeb Chakrabarty and Shounak DasguptaOur Standards: The Thomson Reuters Trust Principles.
Persons: Eli Lilly, LLY.N, tirzepatide, Lilly, Bhanvi Satija, Leroy Leo, Saumyadeb Chakrabarty, Shounak Organizations: Thomson Locations: Bengaluru
LONDON, July 27 (Reuters) - A former Barclays (BARC.L) director who was fired for sexual harassment has lost an employment lawsuit against the British bank in which he sought nearly 600,000 pounds ($770,000) in compensation, a London tribunal announced on Thursday. He argued at the East London Employment Tribunal in March that female colleagues fabricated allegations against him and that his dismissal was unfair. But his complaints of unfair dismissal, breach of contract and sex discrimination were rejected on July 10, according to a summary of the tribunal's findings published on Thursday. Barclays and Record's lawyer did not immediately respond to a request for comment. But Barclays said Record's dismissal was fair based on disciplinary findings including "unwelcome physical contact with a female colleague" and sexual harassment, filings showed.
Persons: Robert Record, Sam Tobin, Kirstin Ridley, Tomasz Janowski Organizations: Barclays, East, Employment, Thomson Locations: London
Banks to fuel boom in UK Plc regular dividend payouts
  + stars: | 2023-07-27 | by ( ) www.reuters.com   time to read: +2 min
The estimate from financial services company Computershare is 2.7 billion pounds higher than its April forecast and reflects improved profit prospects across the rate-sensitive industry. Computershare's latest quarterly Dividend Monitor showed bank payouts rose 61% on an underlying basis to around 7.8 billion pounds in the second quarter. The sector is set to raise headline payouts by over 3 billion pounds this year. That estimate is 1 billion pounds more than what it forecast three months ago. In the second quarter, UK dividends rose 3.5% on an underlying basis, but fell 9% to 32.8 billion pounds on a headline basis, it said.
Persons: Computershare, Rio, Danilo Masoni, Amanda Cooper, David Evans Organizations: MILAN, HSBC, Bank of England, Rio Tinto, Tobacco, Thomson
A spokesperson for Britain's Home Office said international students without results can request a letter of confirmation from their sponsor or return to their home country and apply for another student visa. The University of Edinburgh said 27% of final year students had not received their degree at the time of graduation. International students pay much more, providing a vital source of income. Research published by Universities UK International in May found the 2021/22 intake of international students contributed 41.9 billion pounds to the UK economy. "Every year, universities in the UK are depending more and more on the finances of international students," said Hendricks.
Persons: Maja Smiejkowska, Amelia Dias, Dias, Anna Hendricks, Ailsa Watt, Watt, Gillian Keegan, Hendricks, Kylie MacLellan, Jan Harvey Organizations: London College of Communication, University of the Arts London, REUTERS, University of Edinburgh, Colleges Employers Association, University and College Union, National Union of Students, University of Cambridge, University, Scottish, International, British Council, Times Higher, Higher Education Statistics Agency, Universities UK International, Thomson Locations: London, Britain, Edinburgh, British, Florida, Spanish, Shanghai
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