Small lenders are calling on the competition watchdog to look at breaking up RBS and Lloyds, arguing the market is too focused on giant players.The Yorkshire Building Society (YBS) and Virgin Money have both written to the Competition and Markets Authority (CMA) to push for the big banks to carve out more new challengers from their existing networks of branches and customers.Lloyds has already created TSB as a separate high street bank, and RBS is close to launching Williams and Glynn as a new, independent lender.The exercise has taken both banks several years, and cost billions of pounds.But the challengers say it is the best way to increase competition rapidly.“The Big Five continue to hold an overly dominant market position, with younger customers effectively “sleepwalking” into opening an account with the Big Five,” said YBS, proposing “further forced divestitures”.And Virgin Money, which is in the process of floating on the stock market, said: “It is worth examining the case for future divestments which could reduce concentration levels.”They were joined by the business department’s former entrepreneur in residence, Lawrence Tomlinson, who said: “The only effective solution to the anti-competitive structure of the market” was to break up Lloyds and RBS “into their constituent parts”.The big banks declined to comment further on the CMA’s investigation. Monday 10 November 2014 8:36 pm Tim Wallace Tags: Challenger banks Company Lloyds Banking Group Royal Bank of Scotland Group Virgin Money Holdings Share whatsapp Challenger banks Virgin Money and Yorkshire Building Society call for RBS and Lloyds to be split up More From Our Partners Astounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgKiller drone ‘hunted down a human target’ without being told tonypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgMark Eaton, former NBA All-Star, dead at 64nypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comUK teen died on school trip after teachers allegedly refused her pleasnypost.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comWhy people are finding dryer sheets in their mailboxesnypost.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comKamala Harris keeps list of reporters who don’t ‘understand’ her: reportnypost.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comFlorida woman allegedly crashes children’s birthday party, rapes teennypost.com‘Neighbor from hell’ faces new charges after scaring off home buyersnypost.com980-foot skyscraper sways in China, prompting panic and evacuationsnypost.com whatsapp Show Comments ▼
Apple’s missing iMessage headache continues as tech giant forced to face class action lawsuit
Share whatsapp Apple’s missing iMessage headache continues as tech giant forced to face class action lawsuit whatsapp Show Comments ▼ 
Tags: Apple Tuesday 11 November 2014 2:32 pm Joe Hall Apple has been forced to face a US federal lawsuit which claims the tech company failed to inform its customers that their messages could be blocked if they switched to Android phones. A class action lawsuit was brought against the tech giant in May by Californian Adrienne Moore, who alleged that Apple had interfered with her Verizon wireless contract which entitled her to text messages. A US district judge yesterday ordered that Apple must face Moore’s claim. Users who swap an iPhone for an Android device have often been unable to receive SMS messages from other iPhone users. If a phone number is still registered to iMessage despite being on a Android phone, SMS messages from iPhone users are often sent to the deactivated iPhone rather than the new device. Two days ago Apple released a new tool for users to deregister from iMessage. Users must either manually turn off the app on their iPhone, or request a confirmation code from the Apple website. However, Moore argued that when she switched to a Galaxy S5, Apple had failed to disclose how messages could be blocked without deregistering from iMessage. In court papers seen by Reuters, Apple argued that there was no law to protect customers who subjectively believed their tech hadn’t worked in the way they wanted. Apple said: Apple takes customer satisfaction extremely seriously, but the law does not provide a remedy when, as here, technology does not simply function as a plaintiff subjectively believes it should. However, US District Judge Lucy Koh argued that a “Plaintiff does not have to allege an absolute right to receive every text message in order to allege that Apple’s intentional acts have caused an actual breach or disruption of the contractual relationship.” The damages being sought by Moore are yet to be specified. 
Is there ever an excuse to use PowerPoint in a presentation?
Is there ever an excuse to use PowerPoint in a presentation? So use this as a guide: If you are pitching, there is hardly ever, hardly any, valid excuse to get your laptop or iPad out of your bag, unless: whatsapp You can do Steve Jobs-style single picture Power Point Pitches ANDYou are pitching to a large audience ANDYou are selling an app or Apple-like product Tags: NULL The job of a presentation is to transfer knowledge. If you are presenting the results of surveys, data or comparing options, PowerPoint can be helpful. But be very careful. Only use PowerPoint when it supports, illustrates, and is necessary to communicate your point. Most PowerPoints are badly put together, boring, same-y, used as crutches, and adopt the leading role rather than the supporting act. Worst of all – they are almost all forgettable. Peter Botting Share First of all, what is a presentation? It’s not a pitch. Pitches and presentations are different things. A pitch is a courtship – the (hopeful) beginning of a relationship. A presentation is the transfer of knowledge, facts, data etc within an existing relationship. Ok. So when could or should you use PowerPoint in presentations? Think about the knowledge you want to transfer. Can you sum it up in a sentence? Or a collection of three, four or maximum five sentences? If you can’t, you are either muddled, or confusing supporting data with conclusions and certainly on track for boring your audience. If you can’t sketch the PowerPoint slide on a large post-it note, it’s too complicated. Fact. Make one or two points per slide then move on. If your technology does a dirty on you and fails, and you are lost without your PowerPoint, you don’t know your stuff and shouldn’t be in the room anyway. Always start your presentation on paper – only resort to even opening PowerPoint when you absolutely, definitely, without a doubt, need and must have a graphic underpinning of what you are saying. Wednesday 10 December 2014 6:45 am Earlier this year I was a speaker coach at TedMed (the medical version of Ted) in Washington, working with scientists and doctors who are often communicating quite complex concepts. Their maximum speaking time is 18 minutes, but most TedMed speakers only get three, five or 12 minutes. And they always do their presentation without notes, often without any PowerPoint and only occasionally with just a few powerful and supporting slides. whatsapp I appreciate preparation time is always, short but if the presentation is worth doing, surely it is worth investing the time and the effort so the transfer of knowledge accurately takes place and is fully received and understood. And acted on. Show Comments ▼ Ad Unmute by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryUndoTele Health DaveRemember Pierce Brosnan’s Wife? 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Mike Ashley loans Rangers £10m which will be used to pay back loans from… Mike Ashley
Tags: Mike Ashley People Rangers have agreed to take a £10m loan from Mike Ashley, which has been secured against the club’s Murray Park training ground and registered trademarks.Ashley, who also owns Newcastle United, will take control of 26 per cent of the club’s retail business as a result. The founder of Sports Direct has a 8.9 per cent stake in the football club but has been thwarted in attempts to increase his holdings by the Scottish stock exchange. The loan is to be split into two tranches, with the first £5m being made available for the club’s urgent capital needs. Before the loan, Rangers had stated they needed an emergency cash injection in order to cover costs to the end of January.The loan comes specifically from Ashley’s SportsDirect.com, but will also be used to pay back the previous £3m loans made by Ashley’s Mash Holdings.Ashley had originally wanted securities on the club’s Ibrox stadium as well as Murray Park, yet this sparked massive fan protest against any such move. Ibrox currently remains free from any security, and the club said it had been “specifically excluded” from the deal.Sports Direct will return the 26 per cent stake upon repayment of the loans.Rangers said in a statement:The company’s financial condition has been perilous for a number of months, exacerbated by lower than expected match attendances. The directors have implemented a cost-cutting programme with which they have made significant progress.There is however an immediate need for a substantial injection of capital, and the directors have considered a number of options. The terms negotiated with Sports Direct (which are reversible in the respect of the facility) represent the optimum combination of quantum and duration of funding, allowing the company time to arrange permanent capital which can be used for strengthening the playing squad. Tuesday 27 January 2015 3:07 am Joe Hall by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMaternity WeekA Letter From The Devil Written By A Possessed Nun In 1676 Has Been TranslatedMaternity WeekMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailElite HeraldExperts Discover Girl Born From Two Different SpeciesElite Heraldzenherald.comMeghan Markle Changed This Major Detail On Archies Birth Certificatezenherald.comNoteableyKirstie Alley Is So Skinny Now And Looks Like A BarbieNoteableyEquity MirrorThey Drained Niagara Falls — They Weren’t Prepared For This Sickening DiscoveryEquity MirrorBeverly Hills MDPlastic Surgeon Explains: “Doing This Every Morning Can Snap Back Sagging Skin” (No Creams Needed)Beverly Hills MDUltimate Pet Nutrition Nutra Thrive SupplementIf Your Dog Eats Grass (Do This Every Day)Ultimate Pet Nutrition Nutra Thrive SupplementVikings: Free Online GameIf you’re over 50 – this game is a must!Vikings: Free Online Game Share 
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Trust in energy companies rising as consumers see their bills fall
Concern about energy costs is falling and trust in suppliers is up, according to a new report by the Department of Energy and Climate Change (DECC). Thirty-one per cent said they were concerned about their energy bills, down from 47 per cent in December 2013, and there is less concern about prices overall.“The next Labour government is committed to making big changes in our energy market” a party spokesman said. The Tories replied “If Ed Miliband had his way through his nonsensical high price freeze, bills would have been frozen at the top of the market.”Green MP Caroline Lucas said: “With many people still distrusting their energy supplier, and switching proving unpopular, it’s clear we need policy changes.” Fracking has been high on the political agenda, and 24 per cent said they support shale gas extraction, to 23 per cent against. DECC surveyed 2000 households to compile the tracker, which it uses to help guide how it communicates with the public, and judge the success of its policies. Tuesday 3 February 2015 8:45 pm Trust in energy companies rising as consumers see their bills fall whatsapp Read This Next’A Quiet Place Part II’ Sets Pandemic Record in Debut WeekendFamily ProofHiking Gadgets: Amazon Deals Perfect For Your Next AdventureFamily ProofAmazon roars for MGM’s lion, paying $8.45 billion for studio behind JamesFamily ProofIndian Spiced Vegetable Nuggets: Recipes Worth CookingFamily ProofCheese Crostini: Delicious Recipes Worth CookingFamily ProofHomemade Tomato Soup: Delicious Recipes Worth CookingFamily ProofWhat to Know About ‘Loki’ Ahead of Disney+ Premier on June 9Family ProofChicken Bao: Delicious Recipes Worth CookingFamily ProofBaked Sesame Salmon: Recipes Worth CookingFamily Proof Express KCS Share
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HSBC’s unhappy 150th birthday illustrates its growth: Stuart Gulliver on the highs and lows
In the 1990s, Stuart Gulliver went to what look like extraordinary lengths to hide his bonus – he was paid in a Swiss account, held in the name of a Panamanian company.It looks shady, in light of the latest round of revelations of tax evasion through Swiss accounts. And the extra scrutiny comes at a difficult time for the bank.As it approaches its 150th birthday, HSBC has stumbled from its successes surviving the financial crisis and into a series of scandals on forex benchmark rigging, breaking sanctions against Iran and helping clients dodge taxes.But the story about Gulliver’s accounts shows another side to nosey, badly behaved bankers.“This is a completely everyday explanation,” says the chief executive.At least, it was an everyday explanation to anyone who is familiar with banks’ systems.“The computer system in the trading room enabled everyone to access everyone’s bank accounts. The bonus payments came in one lump sum and were not deferred, so everyone would look at everyone’s bonus,” Gulliver explains. “So everyone opened an account outside Hong Kong to create privacy.”Yet that was not enough – the bank’s Swiss staff could still see into your account in that country. Often the most highly-paid banker in the Hong Kong unit, the future chief executive did not want colleagues and rivals to know the details of his pay.“The Panamanian company protected me from the Swiss staff,” completing the convoluted system.If that sort of abuse was rife – to the extent that traders had to set up hidden accounts abroad to keep their privacy from the worker on the next desk – then it is abundantly clear that these staff were not always on their best behaviour.Since then Gulliver has moved up the hierarchy at the bank, including a move to the UK in 2003, and full public reporting of his pay since 2009 as he became an executive director.Those disclosures mean we can see his bonus for last year was cut by £500,000 because of the forex wrongdoing, while more than £1.2m was clawed back from previous awards – a sign that bosses do now suffer when things go wrong. Similarly, five staff lost their jobs over the FX scandal, with millions in bonuses clawed back.In many ways this story exemplifies the shift in HSBC’s culture, and that of the wider industry over recent decades.Since then, the bank has tried hard to change, ditching dodgy clients and pulling out of countries where it cannot properly limit risks.Gulliver blames some of the bad behaviour on the boom years, as the bank overstretched itself.When he joined in 1980, HSBC had 35,000 workers. By 1998 that was 136,000, and by 2007 it hit 330,000.That hiring spree of 200,000 in just eight years was too fast to manage.Now the bank is back down to 266,000 and has pulled out of scores of countries.“I don’t think the firm is too big to manage,” Gulliver now believes – but the bank is still enormous, and he cannot be across everything.“Could it never happen again? I cannot know what all the staff are doing all of the time.” Show Comments ▼ HSBC’s unhappy 150th birthday illustrates its growth: Stuart Gulliver on the highs and lows More From Our Partners Police Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgMan on bail for murder arrested after pet tiger escapes Houston homethegrio.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgKansas coach fired for using N-word toward Black playerthegrio.comFans call out hypocrisy as Tebow returns to NFL while Kaepernick is still outthegrio.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comPorsha Williams engaged to ex-husband of ‘RHOA’ co-star Falynn Guobadiathegrio.comFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comFort Bragg soldier accused of killing another servicewoman over exthegrio.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comLA news reporter doesn’t seem to recognize actor Mark Currythegrio.comKiller drone ‘hunted down a human target’ without being told tonypost.comColin Kaepernick to publish book on abolishing the policethegrio.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.com Monday 23 February 2015 9:15 pm Share whatsapp
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UK cigarette maker British American Tobacco mulls Souza Cruz bid
Monday 23 February 2015 9:22 pm British American Tobacco (BAT) is weighing up an offer for the remaining stake in Souza Cruz, Brazil’s largest cigarette company. London-based BAT – the maker of Pall Mall and Dunhill cigarettes – is the current majority shareholder but hopes to acquire the remaining 24.7 per cent of the company. Any offer would be made at $26.75 per share, putting the total value of the deal at around $3.53bn (£2.3bn). The offered price marks a 30 per cent premium on Souza Cruz’s average closing share price over the three months to Friday. Bankers from UBS are advising on the deal, which would propel the firm further up the M&A league table to second spot if successful.Should the deal be approved by the BAT board, the purchase will be made in Brazil’s real – the currency has lost 22 per cent of its value against the dollar since September. Souza Cruz has about 80 per cent of the market in Brazil. Shares in the firm had their biggest intraday gain in almost four years, jumping 9.5 per cent yesterday on Sao Paulo’s stock exchange. BAT shares closed 1.96 per cent higher at £37.27. whatsapp Share whatsapp Show Comments ▼ Video Carousel – cityam_native_carousel – 426 00:00/00:50 LIVERead More Ad Unmute by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailUndoMaternity WeekA Letter From The Devil Written By A Possessed Nun In 1676 Has Been TranslatedMaternity WeekUndoGundry MD Bio Complete 3 SupplementTop Surgeon: This Simple Trick Empties Your Bowels Every Morning (Almost Immediately)Gundry MD Bio Complete 3 SupplementUndoForbesThese 10 Colleges Have Produced The Most Billionaire AlumniForbesUndozenherald.com20 Rules Genghis Khan’s Army Had To Live Byzenherald.comUndoMagellan TimesThis Is Why The Roy Rogers Museum Has Been Closed For GoodMagellan TimesUndoComedyAbandoned Submarines Floating Around the WorldComedyUndoNoteableyKirstie Alley Is So Skinny Now And Looks Like A BarbieNoteableyUndoTheFashionBallPrince Harry Admits Meghan Markle May Not Be The OneTheFashionBallUndo
Express KCS UK cigarette maker British American Tobacco mulls Souza Cruz bid Read This NextRicky Schroder Calls Foo Fighters’ Dave Grohl ‘Ignorant Punk’ forThe Wrap’Drake & Josh’ Star Drake Bell Arrested in Ohio on Attempted ChildThe WrapCNN’s Brian Stelter Draws Criticism for Asking Jen Psaki: ‘What Does theThe WrapDid Donald Trump Wear His Pants Backwards? Kriss Kross Memes Have AlreadyThe WrapHarvey Weinstein to Be Extradited to California to Face Sexual AssaultThe Wrap’Black Widow’ First Reactions: ‘This Is Like the MCU’s Bond Movie’The WrapPink Floyd’s Roger Waters Denies Zuckerberg’s Request to Use Song in Ad:The WrapKatt Williams Explains Why He Believes There ‘Is No Cancel Culture’ inThe WrapTig Notaro Never Looks Right in ‘Army of the Dead’The Wrap Tags: British American Tobacco Company
UK takeovers drop to lowest level since 1987
Tuesday 3 March 2015 8:58 pm THE NUMBER of takeovers and mergers involving UK companies dropped in 2014 to its lowest level since records began 28 years ago.There were 376 domestic and cross-border acquisitions completed during 2014 compared with 437 in 2013, according to figures released yesterday by the Office for National Statistics (ONS). The takeover of UK companies by other UK companies dropped to 173 in 2014 from the previous year’s 238. The figures are for deals over £1m.“The downward trend of domestic M&A may be a result of UK political instability as UK businesses experienced uncertainties about the outcome of the Scottish Referendum, held in September 2014, and the impending general election in May 2015,” the ONS said. During 2014, the number of UK firms being acquired by foreign companies (inward M&A) dropped from 141 in 2014 to 98 last year.“The low levels of M&A inward activity during 2014 may be due to various economic factors such as low global economic growth, continued political instability abroad and the fall in the value of the euro and other foreign currencies,” the ONS said. Tags: NULL whatsapp by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailMaternity WeekA Letter From The Devil Written By A Possessed Nun In 1676 Has Been TranslatedMaternity Weekzenherald.com20 Rules Genghis Khan’s Army Had To Live Byzenherald.comForbesThese 10 Colleges Have Produced The Most Billionaire AlumniForbesMagellan TimesThis Is Why The Roy Rogers Museum Has Been Closed For GoodMagellan TimesComedyAbandoned Submarines Floating Around the WorldComedyNoteableyKirstie Alley Is So Skinny Now And Looks Like A BarbieNoteableyGameday NewsNBA Wife Turns Heads Wherever She GoesGameday NewsMoneyWise.com15 States Where Americans Don’t Want To Live AnymoreMoneyWise.com Show Comments ▼ More From Our Partners Astounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgKiller drone ‘hunted down a human target’ without being told tonypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgUK teen died on school trip after teachers allegedly refused her pleasnypost.comA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comMark Eaton, former NBA All-Star, dead at 64nypost.comFlorida woman allegedly crashes children’s birthday party, rapes teennypost.com‘The Love Boat’ captain Gavin MacLeod dies at 90nypost.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comWhy people are finding dryer sheets in their mailboxesnypost.com‘Neighbor from hell’ faces new charges after scaring off home buyersnypost.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comKamala Harris keeps list of reporters who don’t ‘understand’ her: reportnypost.com
UK takeovers drop to lowest level since 1987 whatsapp Share Express KCS 
Single market for fund firms under threat
Read This NextRicky Schroder Calls Foo Fighters’ Dave Grohl ‘Ignorant Punk’ forThe Wrap’Drake & Josh’ Star Drake Bell Arrested in Ohio on Attempted ChildThe WrapDid Donald Trump Wear His Pants Backwards? Kriss Kross Memes Have AlreadyThe WrapCNN’s Brian Stelter Draws Criticism for Asking Jen Psaki: ‘What Does theThe WrapHarvey Weinstein to Be Extradited to California to Face Sexual AssaultThe Wrap’Black Widow’ First Reactions: ‘This Is Like the MCU’s Bond Movie’The WrapWatch President Biden Do Battle With a Cicada: ‘It Got Me’ (Video)The WrapNew England Patriots’ Cam Newton says no extra motivation from Mac Jones’SportsnautPink Floyd’s Roger Waters Denies Zuckerberg’s Request to Use Song in Ad:The Wrap Tags: NULL Share Single market for fund firms under threat Show Comments ▼ Sunday 19 July 2015 10:26 pm whatsapp Express KCS whatsapp TWO THINK tanks are calling for an overhaul of EU fund management regulations after they said current rules impede the single market. Open Europe and New City Initiative said fund managers across the continent are forced to pay over €1.5m (£1m) of additional initial costs per year if they market their funds to other EU states, as well as €1.4m of on-going yearly maintenance costs.Both groups are calling for the removal of national cost barriers to the distribution of funds, which they say impedes the single market. “Currently, the trade-off between high levels of regulation and a true free trade zone, with all its benefits, needs significant improvement,” Dominic Johnson, chairman of New City Initiative, said. The EU operates a passport system for funds, which allows asset managers authorised by a watchdog in one EU state to sell their products to investors in every other state. However, the report says some national regulators are also charging supervisory fees on fund managers based in other states, undercutting the idea of the single market. 
High-skilled worker shortage adds to UK exporters’ headache
whatsapp High-skilled worker shortage adds to UK exporters’ headache Thursday 13 August 2015 8:54 pm Express KCS PROFESSIONAL skills shortages are adding to the struggle faced by UK exporters, a survey has found today.Difficulties in hiring were reported by 68 per cent of exporters, according to figures released by the British Chambers of Commerce (BCC). “If we are going to reverse the UK’s trade deficit, then businesses need a workforce with the appropriate skills and knowledge to trade and compete on the global stage. Businesses must be able to attract and, crucially, retain the talent they need to stay ahead,” said BCC director general John Longworth.The UK’s strict visa rules for non-EU skilled workers has come under fire for exacerbating skills shortages. It came as exports suffered in the three months to June. A rise in export sales was reported by 33 per cent firms compared with 15 per cent that said sales were down. The balance of 18 per cent marks a drop from 23 per cent in the first three months of the year, implying a drop in export sales. At the beginning of 2014 the balance was over 40 per cent. A separate survey from the Confederation of British Industry yesterday found that graduate hiring had increased over the past year, but that many firms were concerned about the graduates’ skills. Share
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