Jesmond Mizzi Financial Advisors Ltd.’s Post

We continue funding for our 2025 fiscal year apace, this week taking advantage of an opportune time in the market to issue a 4-year floating rate note (FRN) linked to the Secured Overnight Finance Rate (SOFR) index.   The $800 million transaction attracted a diverse set of global investors seeking a high credit quality product in an FRN format.   Barclays, Citi and HSBC were joint lead managers for the transaction.   This is the first floating rate note that IFC - International Finance Corporation has issued since January 2023, and comes in the midst of a busy week post-summer in which we have issued in various markets, including benchmarks in British pounds, as well as local currency denominated bonds in Azerbaijani manat. Anilprem Sidhu Alex Paterson Valentino Di Rienzo Ebba Wexler Jack Francis Georgina Hearth Amy Greenwood Yuri Kuroki Flora Chao Tom Ceusters Ayelet Perlstein Obert Limbani Marsha Monteiro Laura Stirling Elena Panomarenko Roland Maassen

We recently launched USD structured deposits in Kenya. These products enable clients to achieve higher rates of return than normal bank deposits by including exposure to an option on currency pairs or other financial market instruments. The structured deposits are 100% principal guaranteed. This is a first for Standard Chartered bank in Africa and builds upon the other great innovations that the team has launched in Africa. A great example of collaboration between Financial Markets and Wealth Management. photo from my wife’s safari snapshots. #standardchartered #wealthmanagement #kenya James Ouma Orero Simpa Adaba Nicolas Rigois Paul Njoki, CFA, MSCI, FA, FCCA Edith Chumba Kariuki Ngari Olivier Pierlot, CFA John Paul Waithiru Tina Coram-James George Ketem Brenda Muindi Ben KOULIBALI

JUNIOR SAVERS: BUILDING TOMORROW'S FINANCIAL CHAMPIONS TODAY! 👶💰 Start their journey to financial independence early with the Ecobank Junior Savers Account! 🌟 Teach your kids the value of saving with a fun, easy, and rewarding savings account designed just for them. Secure their tomorrow, today. 🌱🏦✨ Open an account now and watch their savings grow! #FutureSavers #FinancialFreedom #KidsSavings #EcobankZambia

LOOK: BSP Governor Eli M. Remolona, Jr. and BAIPHIL President Racquel B. Mañago shake hands after signing a memorandum of understanding (MOU), covering collaboration on productivity enhancements for banks through research, information, and education. Also present at the MOU signing were BSP Senior Assistant Governor and General Counsel Elmore O. Capule and BAIPHIL Second Vice President Shirley G. Felix. --------- The Bangko Sentral ng Pilipinas (BSP) and the Bankers Institute of the Philippines (BAIPHIL) formalized their longstanding partnership with the signing of a memorandum of understanding (MOU) on 18 December 2023 at the BSP Head Office in Manila. BSP Governor Eli M. Remolona, Jr. said, “The collaboration of BSP and BAIPHIL will go a long way in reaching out to our common stakeholders by providing support to banks toward productivity enhancement through research, information exchange, and education.” BAIPHIL President Racquel B. Mañago declared, "This MOU commits us to work together more closely toward our common goal of professional development for banking professionals, financial literacy, and financial inclusion for the underserved and unbanked.” The MOU covers joint activities, such as capacity-building sessions for bank employees, officers, and directors; the sharing of subject matter experts and non-confidential research materials. The collaboration will include advocacies, such as digital finance, financial literacy, financial inclusion, sustainable finance, legislative initiatives, and reforms. Full story on: https://lnkd.in/grZyXsDg #BSP #BSPUpdates

70% of international banking and investment firms expect the level of business activity in their Irish operations to increase in 2024. However a significant number say they are facing challenges attracting staff due to difficulties sourcing and retaining staff, new regulatory requirements and housing shortages. This comes in light of the Investing in Ireland’s Future Success report recently published by Banking & Payments Federation Ireland who represent 30 international groups. Read the full report here: https://lnkd.in/eefc-2sg #banking #internationalbanking #ireland #business #economy Fernando Vicario HSBC Bank of Ireland John Colgan Laura Trimble Bank of America Davy StateStreet Group JPMorgan Chase & Co. Myles O'Grady Scotiabank Nicola Vavasour Rabobank Fiona Egan Deutsche Bank Vathany Vijayaratna Wells Fargo Fiona Gallagher Michael Fox Citi Ciaran Kelleher Danske Bank Vicky Davies ING Robert O'Donoghue Bernard Byrne Investec TD Securities Macquarie Group Andrew Gates AIB NBC Global Finance Limited Gareth Dunphy #lincolnrecruitmentspecialists

It is a busy day in Bank of Ireland today with the release of the Group’s 2023 results, the key highlights of which are: Strategic delivery, with Irish loans +23%; our AUM growing 18% to €46bn; and new to bank customers increasing by 8%. A significantly improved financial performance, with 17.3% ROTE; Profit Before Tax of €1.9bn and a Cost / Income Ratio of only 42%. Strong capital generation and higher distributions. The Group generated 340bps of capital last year and will return €1.15bn to shareholders through a combination of dividends (a 60c DPS) and a €520m buyback - making 2024 the third successive year in which Bank of Ireland has bought back shares. Proforma for these distributions, Bank of Ireland finished 2023 with a strong fully loaded CET1 ratio of 14.3%. In terms of 2024 guidance, Bank of Ireland reaffirms that it is on track to deliver on the financial targets set for the 2023-2025 strategic plan. Full details are available on the link below. Alongside Group Investor Relations colleagues I look forward to meeting with many of our investors over the coming weeks. https://lnkd.in/eP9nmHdg

Almost there! The GC Live event on UK Bank Capital takes place tomorrow. I’ll be joining one of three panels answering questions like: what have we learned from the bank stress of 2023? Are bank capital instruments fulfilling their function? Should there be more focus on regulating banks’ liquidity positions? Looking forward to the event and swapping thoughts on these and other topics. Further details below:  https://lnkd.in/e6wpaUrT #GCLive #ukbanking #capitalmarkets #bankcapital

🎙️ Wasim Miah participated in the Islamic Finance News UK Forum 2024, Europe's largest and longest running Islamic finance conference this week, supported by TheCityUK and City of London Corporation, joining a stellar panel on 'Fit for Purpose: Islamic Financial Services - Technology, Products, Risk Management, and Innovation'. 👏 Sincere thanks to Vineeta Tan for her expert moderation, and to the esteemed co-panelists Arshadur Rahman, Senior Manager, Bank of England, Basel Al-Hussien, Senior Manager of Advisory, International Islamic Trade Finance Corporation (ITFC), Lawrence Oliver, Executive Director & Deputy CEO, DDCAP Group™, Dr Samir Alamad (PhD, CSAA, PgCert APHE, FHEA), Chief Adviser Islamic Banking and Finance, Ihsan Islamic Finance Solutions LTD - IIFS, and Sultan Choudhury OBE, Advisory Board Member, Islamic Finance Council UK (UKIFC) for their insightful contributions. 💡The discussion delved into how Islamic banking can deliver tangible benefits to British consumers and the potential for mass market adoption of Islamic finance products. A key focus was on how technology, particularly fintech innovations and AI, can drive growth in the UK Islamic banking market. This dialogue reinforces the belief in Spark's mission. As a fintech comparison platform for ethical, sustainable, and faith-based financial products, we're positioned to address many of the challenges discussed: ✅ Increasing visibility and accessibility of faith-based finance products ✅ Educating consumers about ethical finance options ✅ Bridging the gap between traditional Islamic banks and innovative fintechs 🚀 By making it easier for consumers to find, compare, and choose ethical financial products, Spark aims to help Islamic finance reach true mass market status in the UK. We're not just serving the Muslim community, but appealing to all consumers interested in aligning their finances with their values. 🌱 The forum highlighted the immense potential for growth and innovation in UK Islamic finance. We're more excited than ever about Spark's role in this evolving landscape, and our potential to deliver tangible benefits to British consumers seeking ethical financial solutions 𝐫𝐞𝐠𝐚𝐫𝐝𝐥𝐞𝐬𝐬 𝐨𝐟 𝐭𝐡𝐞𝐢𝐫 𝐟𝐚𝐢𝐭𝐡 𝐨𝐫 𝐛𝐞𝐥𝐢𝐞𝐟𝐬. 🤝 Looking forward to continuing these important conversations and turning insights into action. #IslamicFinance #EthicalFinance #SustainableFinance #FinancialInclusion #FinancialServices #UKFintech #Fintech #EthicalBanking #Spark

Are you ready for the Credit Masterclass Series? It's approaching faster than ever! Prepare yourself to elevate your financial prowess and harness your full financial potential with the speedily-approaching Credit Masterclass for Financial Professionals, hosted by Mldc NG , in collaboration with CreditRegistry, Nigeria's premier credit bureau. It's slated to take place on the 24th and 25th of April, and guess what? The early bird offer is ending TODAY, so hurry now and save off 10% registering using this link: https://lnkd.in/d9DbCf8D This all-encompassing Credit Masterclass promises to equip you with the right tools that you would need to navigate today's financial world with ease. If you're yet to register, this is the best time to do so. Act fast now and secure your spot at the event. Click this link to register now: https://lnkd.in/d9DbCf8D #FinancialLiteracy #MLDC #CreditRegistry #CreditEmpowerment

I wrote this piece on analyzing financial health of financial institutions in which i took a closer look into Access Holdings Plc's financials to ascertain it's actual level of performance and overall financial health over the last 6 reported financial years using the CAMELS rating system. Access Holdings Plc is one of Nigeria’s leading financial institutions with presence in several countries, they are known to be a powerhouse in Nigeria’s financial services industry being the largest bank in Nigeria by total assets. Check out the article at https://lnkd.in/dVKcAY62