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Feb 2 Jan 26 %Week

S&P 500 2762.13 2872.87 -3.85

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Dow Jones Ind 25520.96 26616.71 -4.12

FTSEurofirst 300 1523.21 1573.98 -3.23

Euro Stoxx 50 3523.28 3647.41 -3.40

FTSE 100 7443.43 7665.54 -2.90

FTSE All-Share 4086.72 4209.42 -2.91

CAC 40 5364.98 5529.15 -2.97

Xetra Dax 12785.16 13340.17 -4.16

Nikkei 23274.53 23669.49 -1.67

Hang Seng 32601.78 32654.45 -0.16

MSCI World $ 2212.53 -

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CURRENCIES

Feb 2 Jan 26

$ per € 1.244 1.243

$ per £ 1.412 1.418

£ per € 0.881 0.877

¥ per $ 110.385 108.585

¥ per £ 155.909 154.006

€ index 96.077 95.752

SFr per € 1.159 1.163

Feb 2 Jan 26

€ per $ 0.804 0.804

£ per $ 0.708 0.705

€ per £ 1.136 1.141

¥ per € 137.286 135.009

£ index 80.002 80.365

$ index 95.817 96.166

SFr per £ 1.316 1.326

COMMODITIES

Feb 2 Jan 26 %Week

Oil WTI $ 65.07 66.22 -1.74

Oil Brent $ 68.27 70.48 -3.14

Gold $ 1331.15 1353.15 -1.63

INTEREST RATES

price yield chg

US Gov 10 yr 95.97 2.72 -0.01

UK Gov 10 yr 97.68 1.51 0.02

Ger Gov 10 yr 98.78 0.63 0.01

Jpn Gov 10 yr 100.30 0.07 -0.01

US Gov 30 yr 96.20 2.94 -0.04

Ger Gov 2 yr 101.39 -0.57 0.00

price prev chg

Fed Funds Eff 1.42 1.33 0.09

US 3m Bills 1.48 1.46 0.02

Euro Libor 3m -0.38 -0.38 0.00

UK 3m 0.52 0.52 0.00Prices are latest for edition Data provided by Morningstar

ALIYA RAMEUROPEAN TECHNOLOGYCORRESPONDENT

Google’sDeepMindhasdevelopedarti-ficial intelligence to diagnose diseasesby analysing medical images, in whatcould be the first significant applica-tionofAI inhealthcare.

London-basedDeepMind has cruncheddata from thousands of retinal scans totrain an AI algorithm to detect signs ofeyediseasemorequickly andefficientlythanhumanspecialists.Findings have been submitted to amedical journal by the company after“promising signs” froma two-yearpart-nership with the National Health Serv-ice andLondon’sMoorfields EyeHospi-tal, one of the best-known in the worldfor ophthalmology. The technologycouldenterclinical trials ina fewyears if

resultspassapeerreviewbyacademics.“In areas like medical imaging, youcan see we’re going to make really tre-mendous progress in the next couple ofyears with artificial intelligence,”Dominic King, clinical lead for Deep-MindHealth, toldtheFinancialTimes.DeepMind’s algorithm has beentrained using anonymised 3D retinalscansprovidedbyMoorfieldsandpains-takingly labelled for signs of disease bydoctors. The DeepMind division hasnowbegundiscussingclinical trialswithhospitals includingMoorfields.Because the images provide rich datawith millions of pixels ofinformation,the algorithmcan learn to analyse themfor signs of three of the biggest eye dis-eases: glaucoma, diabetic retinopathyandage-relatedmaculardegeneration.Peng Tee Khaw, director of researchanddevelopment atMoorfields, said: “I

am optimistic that what we learn fromthis researchwill benefit people aroundtheworldandhelpputanendtoavoida-blesight loss.”The artificial intelligence is “general-ised”, according to Dr King, meaning itcanbe applied to other kinds ofimages.DeepMind said the next stage wouldinvolve training the algorithm to ana-lyse radiotherapy scans, throughapart-nershipwithUniversityCollegeLondonHospitals, and mammograms, in part-nershipwithImperialCollegeLondon.As health systems creak with thestrain of ageing populations, hospitalshave begun to discusswhether artificialintelligence can reduce the burden ofrepetitive work. Labelling images forhead and neck cancer “is a five or six-hour job; usually doctors sit and do itafter work”, said one consultant label-lingscansatGoogle’soffices.

DeepMindandLondonhospital focusAI on spotting eyediseases fromscans

More private finance initiatives arecoming under scrutiny since thecollapse of construction groupCarillion. Schools and hospitals, as wellas roads and military bases, have beenbuilt across the UK using privatefinance rather than direct statefunding. Many are su�ering from thesame combination of rising inflationand real cuts in government funding,leading to a clamour for the use ofPFIs to be reassessed.Squeeze sparks clamour i PAGE 3

Private finance bills swellfor schools and hospitals

Briefing

iNorth Sea oil tax set to bring in £1bnForecasts from the industry body have shown thatNorth Sea oil will bring in £1bn this year, a startlingreverse from the previous 12monthswhen it failedto generate any revenue for the Treasury.— PAGE 2

iBankswant Big Tech brought into lineTopEuropean finance chiefs have said Big Tech’smove into banking threatens financial stability andthe biggest US and Chinese groups should be boundby some of the same regulation as banks.— PAGE 15

iUKandEU seek to fast-trackdefence dealOfficials laying the ground for talks have said Brexitnegotiators aim to fast-track a security and defencedeal to allow theUK andEU to skip a transition andmove straight to a new relationship.— PAGE 6

i Investors dropflagshipWoodford fundNeilWoodford’s flagship fundhas lost almost a fifth ofitsassets sinceMay as investorsdumped themanager after aseries o�ad bets and poorperformance.— PAGE 15

iGreybull in running for Carillion assetsPeople familiar with its plans have said the formerowner ofMonarchAirlines will seek to buy parts ofCarillion after the construction company collapsedunder big debts.— PAGE 19; JONATHAN FORD, PAGE 16

i Static part-timers’ pay spurs gender gapResearch from the IFS that seeks to pinpoint factorsbehind the gender pay gap has suggested part-timeworkers do not typically enjoy any progression intheir wages.— PAGE 2; PILITA CLARK, PAGE 14

iHonorary doctorate forMartinWolfMartinWolf, chief economics commentator at theFinancial Times, has been awarded an honorarydoctoral degree fromBelgium’s Leuven university.

Datawatch

MONDAY 5 FEBRUARY 2018 UK £2.70 Channel Islands £3.00; Republic of Ireland €3.00

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Bitcoin reversal

Source: Thomson Reuters Datastream

Bitcoin*Angolan kwanza

Argentine pesoSterling

Euro

Botswana pula

WORLDBUSINESSNEWSPAPER

After rising nearly2,300 per cent inthe two years toend of 2017, thebitcoin bubbleseems to bedeflating. Thecryptocurrencylost more than50 per cent inDecember, overtwice that of theworst-performingreal currency

CAROLINE BINHAM AND PATRICK JENKINS

The UK’s top banking supervisor haswarned against a “bonfire of the regula-tions” after Brexit, despite Euroscepticscalling for a more competitive regimewhenBritain leavestheEU.SamWoods, deputy governor of theBank of England, defended UK regula-tion in an interview with the FinancialTimes, pledging to “maintain standardsof resilience in the financial sector atleastashighasthosewehavetoday”.His commentsweremadeas relationsbetween those fighting for a hard andsoftBrexitbecomeevermorehostile.Eurosceptic backbenchers werereportedovertheweekendtobeprepar-ing a coup to removeTheresaMay fromoffice if shepushed fora customsunion.

The primeminister faces a tough weekas her fractured cabinetmeets twice todiscuss thenextstep inBrexit talks.Brexiters also led an attack on theTreasury, claiming it was “fiddling thefigures” to persuadeMrsMay to stay inan EU customs union. LordGusO’Don-nell, former head of the civil service,said yesterday that the suggestionBrexit figures were being manipulatedwas “completely crazy” and accusedBrexitersof“sellingsnakeoil”.The EU last week pledged to penalisetheUKifitwatereddownfinancial serv-ices rules to undercut the bloc afterBrexit, as some prominent Brexitershaveadvocated.MrWoods said: “It is obvious that ourEU colleagues, or some of them, have afear that somehowwewill loosen regu-

lation.” Citing the UK’s “ringfencing”reforms that force lenders to separatetheir retail businesses from investmentbanks, as well as tough accountabilityfor topbrass, headded: “I think the ideathatwewouldwant tobe sub-EUstand-ard doesn’t bear scrutiny . . . in areaswhere there is scope to go further [thanEUrules],wehaveoftendoneso.”Brexit poses key questions for thefutureof regulation in theUK. Someseeit as an opportunity to cast off burden-some EU rules, while others argue it isimportant to tack closely to those rulestoretainaccess tothesinglemarket.Withnoclarityyet onwhether a tran-sition dealmight be secured, the City ishaving to plan for the worst, movingjobs and operations to the Europeancontinent in order to retain the pass-

port. That exodus could start as early asMarch, the BoE has predicted, amidestimates that 10,000 jobs mightmigrateondayoneofahardBrexit.But Mr Woods said the central bankwouldbackadealduringaBrexit transi-tion period through a “regulatoryunderpinning”, even if an agreementwerenot legallyfinalised, togivebreath-ing space to thousands of companies intheUKandtheEU27.“Itwouldbeabitabsurd if thegovern-ments agreed a transition period andthat got then frustrated byfirms feelingthey had to move faster because theywereworried aboutwhat the regulatorsweregoingtodo,”MrWoodssaid.Interview & report page 2Quick deal on defence sought page 6Wolfgang Münchau page 11

Nobonfire o�anking regulationsafterBrexit,BoE tells Eurosceptics3Deputy vows to keep ‘standards of resilience’3Talk of anti-May coup as Tories quarrel

SamWoods:‘The idea thatwe would wantto be sub-EUstandard doesn’tbear scrutiny’

It’s all GreekNeighbours innamingbattleThe latest chapter in a 30-year disputeover the name of Greece’s northernneighbour drewhundreds of thousandsof demonstrators on to the streets ofAthensyesterday.The leadersofGreeceand thecountryknown as Fyrom (Former YugoslavRepublic ofMacedonia) by those southofitsborderare seeking to settle thedis-pute in talksmediated by theUN. SinceMacedonia’s independence in 1991,Athens has objected to its name, whichit says implies a claim on the GreekregionofMacedonia.The stand-off, which has includedGreekanger atMacedonia’s claim to theheritage of Alexander the Great, hasfrustrated its efforts to join the EU andNato,whichGreecehasvetoed.

Louisa Gouliamaki/AFP/Getty Images

Powell’s puzzleCan the Fed chair spur growth andstability? — LAWRENCE SUMMERS, PAGE 11

Gender paybackBetter to raise women’s salariesthan cut men’s — PILITA CLARK, PAGE 14

Buying timeWhy high-frequency traders needa physicist — WORK & CAREERS, PAGE 12

Group Overview FT Pension & Asset Management Titles

FT Funds Management Service (FTfm)

FT.com FTfm

5 Global Editions

MADISON MARRIAGE

The UK government is to debate apotential ban on non-disclosureagreements that conceal feesbetween pension funds and assetmanagers, inabidtoprovide individ-uals with more information abouthowtheirpensionsaremanaged.A proposed amendment to thePensionSchemesBill put forwardbyLordMikeGerman, former leader oftheWelsh Liberal Democrats, wouldput an end to pension schemes sign-ing non-disclosure agreements withfundcompaniesover fees.

The practice has prompted out-rage among senior investment pro-fessionals who are concerned thatpension schemes get a poor deal iftheycannotcomparefees.LordGerman’sproposal,whichhasthebackingofinvestor rights charityShareAction,wouldalso requirepen-sion funds to inform savers onrequestabouthowtheyvotedatcom-panymeetingsonissuessuchasexec-utive pay, and explain how theyselectandmonitorfundmanagers.Lord German said: “The purposeof this amendment is to try andestablishwhether the government is

prepared to give people the rightsthat they need. [Savers] are not dis-interested intheirpensions.”Thepush tooutlawnon-disclosureagreements in particular is likely tomeet resistance from asset manag-ers. BlackRock, the world’s biggestfund house, told FTfm inNovemberthat it was “neither in the interest ofinstitutional investors nor ofinvest-ment managers to ban non-disclo-sureagreements”.Aspokesmanforthegovernment’sDepartment for Work and Pensionssaid: “We are committed to improv-ing the transparency of pension

schemes for savers, and are consid-eringtheproposedamendment.”Lord German’s amendment wassubmitted to parliament inmid-De-cember andwill need approval fromDWPministers, theTreasuryandtheDepartment for Business, Innova-tion and Skills. If the amendment isadopted it couldenter lawby theendofMarch,accordingtoLordGerman.Currently, pension schemes areonlyrequired todisclose informationabout investment policy and per-formance in annual reports. Share-Action said that in practice “savers

continuedonpage7

The curious caseof the FCA andthe fare dodger“To lose weight, to makemoney for my clients, to benicer to my wife — but aboveall to buy a train ticket,” wasthe unexpected addition toone fund manager’s list ofpriorities for 2015.

Jonathan Burrows, the nowinfamous former managingdirector at BlackRock, settled a£43,000 bill for unpaid ticketsover five years and washanded a lifetime industry banfrom the FCA, the UKregulator, last month as aresult.PAGE 8

SOPHIA GRENE

Two-thirds ofinstitutional investorsexpect the EuropeanCentral Bank toimplement quantitative easing thisyear. Twenty-seven per cent areexpecting it to comebefore theendofMarch.According to a poll of 152 interna-tional institutional investors, just 22per cent ofinvestors in Europebelieve the purchase of governmentbondscanbeavoided,comparedwith8percentofinvestors inNorthAmer-ica and 13 per cent in Asia and else-where.“The future of the eurozone hastaken centre stage in recentmonths,”said Valentijn van Nieuwenhuijzen,head of multi-asset strategy at INGInvestment Management, whichcommissionedtheresearch.“It is clear that there are very realconcerns of a prolonged period ofdeflation, which could — ifinvestorsarecorrect—twistDraghi’sarmwhenit comes to implementing a sovereignQEprogrammeinearly2015.”ECB president Mario Draghiboosted expectations of QE byremarking onmarket intervention inan interviewwithHandelsblattnews-paperonFriday.Thishit theeuroanddrove peripheral eurozone bondyields lower.“The risk that we do not fulfil ourmandate of price stability is higherthan it was six months ago,” said MrDraghi.

InvestorsexpectQEis imminentinEurope

THE AUTHORITY ON GLOBAL FUND MANAGEMENT | FINANCIAL TIMES | Monday January 5 2015

Larry FinkNew research onleveraged ETFs

counter CEO’s fearsPAGE 2

Agreements concealing fees between pension funds and asset managers debated

UKconsidersnon-disclosureban

fmNEWS

C BlueBay Asset Management,the $65.8bn fixed income andalternative investmentspecialist owned by Royal Bankof Canada, has hired JanaVelebova (pictured) as aportfolio manager from RoggeGlobal Partners.

C Brendan Gundersen hasjoined MainStay Investments,the $101bn mutual fund arm ofNew York Life, to head itsinstitutional intermediary unit.Mr Gundersen was previously amanaging director atBlackRock iShares.

C Aviva Investors, the £240bnasset management business ofAviva, the UK insurer, hasappointed Mark Connolly aschief investment o�icer forfixed income. Jean-FrançoisBoulier, the acting chiefinvestment o�icer for fixedincome, will continue as chiefexecutive for Aviva Investors inFrance. Mr Connolly joins fromScottish Widows InvestmentPartnership.

C Alexis Vasquez Meissner hasjoined HSBC as head of HSBCSecurities Services (HSS) forthe Americas, from BNY Mellon.

C Two hires for the emergingmarkets debt team at Amundi,the €850m Paris-based assetmanager. Esther Law joins asan investment manager fromPioneer Investments whileAbbas Ameli-Renani has beenappointed as a strategist aftermoving from Royal Bank ofScotland.

C BNY Mellon WealthManagement has appointedVivian Chan as wealth directorof business development inHong Kong. BNY plans furtherappointments as it expands its

wealth management servicesacross the Asia-Pacific region.Ms Chan joins fromOppenheimer, the US financialservices group.

C Je� McCarthy has joinedNasdaq, the exchangeoperator, as head of ETPlistings and services fromCitigroup, where he wasresponsible for global ETF andNorth America fund services.

C Stamford Associates, theindependent investmentconsultancy, has appointedAlexandra Haggard to thenewly created role of chiefexecutive. Ms Haggard joinsfrom Russell Investments, whereshe was product and marketingmanaging director in Europe.Stamford also recently hiredGuy Beech as head of businessdevelopment from TendoAssociates, a consultancy.

C PineBridge Investments, the$70.8bn US asset manager hashired Tomi Lāngström as headof distribution for the Nordics.Mr Lāngström joins fromNorthern Star Partners wherehe was a founding partner andchief executive. PineBridge lastmonth also announced threehires for its businessdevelopment team in NorthAmerica. Michael Raso joins asa managing director from OldMutual Asset Management.Michael Luft and Carmela DiMeo both become senior vice-presidents after moving fromRocaton Investment Advisorsand OppenheimerFundsrespectively.

C Corinne Vitte has movedfrom RBC to take on the role ofhead of sales for institutionalinvestors at BNP ParibasSecurities Services in Zurich.Dario Rigert will report to MsVitte after joining as a salesmanager from JPMorgan.

C LNG Capital has appointedHolly Grainger as co-managerof its flagship LNG EuropaCredit fund. Last year MsGrainger, who has worked forBarings, Aviva Investors andF&C, founded Eve Partnership,a consultancy that providesprofessional sta� to covermaternity leave or sabbaticalsfor asset managers.

Movers &shakers

BNYMellon has appointedVivian Chan in Hong Kong

QUOTE OF THE WEEK

Hugh Young,Aberdeen AM‘In very hot markets wewould underperformbecause we do not buyhot racy stocks,[but] in tougher marketswe should do well’

PAGE 4

VIDEO

Lessons in financeJe� Molitor, Vanguard’sCIO in Europe, on 40years in the businessVIDEO.FT.COM/FTFM

INSIDE ANDONLINE

THE LAST WORD

Stephen FoleyThe bigger e�ect [ofcheap oil] may be morepervasive, as investorsreacquaint themselveswith the idea that marketscan move dramatically tothe downside with verylittle warningPAGE 13

Pensions Expert About

Defined benefit p3 May’s vow to protect pensions lacks solutions

Investment returns p13 Is it time to return to equities?

Regulation p7 The Pensions Regulator’s focus for the year ahead

South Yorks plumps for alts after equity concernsInvestmentBy Angus Peters

The South Yorkshire Pension Fund is trimming its equity exposure and allocating to a range of alternatives, as part of a wide-ranging review that reaffirms the fund’s commitment to environmental, social and governance-based principles.

Unlike the predominantly closed defined benefit schemes of the private sector, constituent funds in the Local Government Pension Scheme and other public sector plans have typically retained a high allocation to risk assets and equities.

In the year to March 31 2017, the nearly £8bn SYPF generated a 22.6 per cent return on its assets, driven largely by its 60 per cent equity allocation.

Following an investment strategy review, the fund’s investment committee recommended lowering that exposure to 50 per cent as early as April last year.

However, continued strength in stock markets meant the fund’s officers struggled to bite the bullet and trim its overweight position, according to treasurer Neil Copley and Steve Barrett, the fund’s interim director.

Informing scheme decisions pensions-expert.com 29.01.2018 | No.176 | £3.90

Continued on page six

Buying local: SYPF trims equities for real assets

UK index-linked gilts

UK buy and maintain

Emerging market debt

High-return debt

UK equities

Overseas equities

Private equity

Private debt

Real assets

Property

Cash

Asset allocation Solvency funding position

Example of a simple ‘collar’ strategy

Current allocation (%) March 31 2013 March 31 2016

Target allocation (%)

40% 20%

3%

3.5%

2%

3%

5%

10%1.5%

12%

1.5%

35% 15%

3%7%

3.5%

5%

3%

5%

10% 12%

8

Assets

5.3

£b

n

Liabilities

3

1.2

2.8

Liabilities

3.3

1.5

2.6

Assets

6.36

4

2

0

Assets Deferred

of assets will not be pooled in BCPP

Investment in predominantly low-carbon alternatives

Return in 2016-17

Active Pensioners

25%

£90m

22.5%

Profit limit

Stock price at expirationLoss

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Break-even

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Pensions Expert equips you with the most relevant information to enable you to run or advise your scheme more effectively. With its case study, data led approach in both print and online, we focus on what pension scheme management teams really care about: how their contemporaries are working to improve the performance, reduce the risks, or control the costs of their pension schemes and what they are saying about it. We aim to:

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