This report analyses consumer credit access for British low- to middle-income households. It finds that credit is not scarce but frequently unaffordable, with 1.15 million households lent to irresponsibly. It advocates for stronger FCA affordability oversight, interest-free alternatives, and government reforms to social security and insolvency frameworks.

This research examines transitioning sustainable finance into retail-facing products for EU households. While green bond supply is robust, regulatory fragmentation and distribution barriers limit participation. It recommends standardising product architecture and sustainability summaries to integrate these instruments into mainstream saving channels and increase household investment in the climate transition.

This research reveals that 40% to 60% of mutual fund families exhibit decentralised voting. While catering to diverse client preferences, internal disagreement weakens corporate monitoring, reducing director turnover following dissent. Deviating funds often charge higher fees without delivering superior financial performance, though institutional clients reward such tailoring with inflows.

This newspaper report outlines Africa's strategic agenda for COP31, emphasising the urgent need to close the climate finance gap. It highlights that while Africa requires up to $277 billion annually for climate goals, it currently receives a fraction of this, primarily through debt-creating loans rather than grants.

This report analyses the 2024 climate proxy voting performance of the four largest asset managers, finding widespread failure to support decarbonisation and climate finance proposals. It reveals a significant divergence between these managers and public pension funds, particularly concerning director accountability during the 2024 ExxonMobil shareholder rights dispute.

This report examines short-termism in UK equity markets, identifying the erosion of trust and misaligned incentives as primary causes. It recommends restoring fiduciary standards, establishing an investors' forum, and reforming executive remuneration to encourage long-term decision-making and sustainable value creation for companies and savers.

This report provides a voluntary framework for financial institutions to develop science-based net-zero transition plans. It introduces ten components across five themes, focusing on four financing strategies — climate solutions, aligned entities, aligning entities, and managed phaseout — to support the 1.5°C-aligned real-economy transition.

This report examines the fracturing of voluntary climate alliances amidst rising legal and political pressure, particularly in the United States. While many banks and asset managers are retreating from collective net-zero commitments, asset owners and European institutions remain resilient. It advocates for integrating climate risk into core fiduciary duties.

This report analyses the dissolution of the Net-Zero Banking Alliance in October 2025. It examines how legal pressures and shifting strategic priorities led to softened climate guidelines. While major US banks withdrew, the study find that most European institutions have maintained their individual decarbonisation and sustainable financing targets.

This report examines how improving information flows regarding physical climate risks, finance allocation, adaptation impact, and financial performance can unlock private investment. It identifies a US$ 9 trillion opportunity by 2050, highlighting the role of financial institutions, governments, and regulators in bridging the adaptation finance gap through better data.

This research introduces carbon at risk (CaR), a quantitative metric measuring potential shortfalls in carbon storage. Through forest and geological models, it demonstrates how risk fluctuates by region and regulation. The framework provides a standardised basis for risk-adjusted portfolio construction, insurance pricing, and buffer management in carbon markets.

Allianz Research reports that extreme weather cost USD210bn in 2025. Europe’s 2026 heatwaves caused EUR113bn in output losses. A projected 2027 El Niño could cost USD451bn globally. The report highlights a widening adaptation gap, contrasting proactive prevention systems with reactive post-disaster relief across various regions.

This report analyses Asian "value-up initiatives" designed to address persistent valuation discounts. Through case studies of Japan, Korea, and Singapore, it evaluates how these programmes use disclosure and reputational pressure to improve capital allocation. While enhancing transparency, they serve as complements to, not substitutes for, fundamental investor protection.

This Bayesian meta-analysis of 49 Graduation studies reveals significant gains in household consumption, income, and assets. Programmes implemented since 2016 show an 87 per cent increase in benefit-cost ratios compared to earlier efforts. While larger transfers increase impacts, they do not necessarily improve cost-effectiveness over lower-cost interventions.

A practical framework from IOSCO designed to help financial regulators and firms manage the risks associated with AI in capital markets, focusing on governance, trading, and transparency.

This report by the Financial Stability Board identifies 12 sound practices for the responsible adoption of artificial intelligence in financial institutions. It details organisation-wide governance and lifecycle management, highlighting benefits like enhanced efficiency alongside risks such as third-party dependencies, cyber threats, and explainability challenges in complex systems.