Explore the world.

Assess underlying market conditions and fundamentals in the world's major economies.

World

Stay ahead.

Follow the biggest stories in markets and economics in real time.

Subscribe

Get insight into the latest trends and developments in global currency markets with breaking news updates and research reports delivered right to your inbox.

After signing up, you will receive regular newsletters from Corpay, and may unsubscribe at any time. View Corpay’s Privacy Policy

13 Jul 2023

Rest-of-world vulnerabilities look significant.

In the aftermath of the 2008 global financial crisis, households and businesses in the United States deleveraged, and have thus far managed to keep debt levels relatively restrained. In contrast, private sector leverage has risen spectacularly – in both absolute and momentum terms – in countries like Australia, Canada, South Korea, and France, and in smaller economies like Denmark, Norway, and Sweden. In China, decades of unproductive investment and unrestrained credit creation have left policymakers struggling to manage ballooning debt burdens across the financial system. If global liquidity conditions worsen and borrowing costs remain stubbornly elevated, we suspect these vulnerabilities...

Read More Read More

Upside potential looks limited.

While the UK’s higher interest rate structure might help the pound hold up against the US dollar, we see it underperforming other currencies such as the euro and Japanese yen over the third and fourth quarters – and progressively losing ground against the Australian dollar as 2023 rolls on. This reflects our comparatively-bearish take on the country’s economic prospects, exacerbated by a persistently large current account deficit and weaker terms of trade.The British economy has so far held up better than anticipated. But with interest rates moving deeper into restrictive territory, and real wages remaining negative, we believe a sharp...

Read More Read More

Household consumption looks fragile.

Canada’s incredibly-indebted private non-financial sector remains its biggest point of vulnerability. With long-term rates ratcheting higher and the burden on mortgage holders continuing to increase, debt service ratios are set to climb well above records set just before the pandemic. We think this will reduce consumer spending power and business investment at a time when real income growth is fading and lending conditions are tightening. A recent recovery in real estate values is likely to pull new listings into the market, just as rising carrying costs cool demand. This should limit further price appreciation and reduce the likelihood of a...

Read More Read More

More upheaval lies ahead.

We are looking for the Australian dollar’s volatility to continue through the third quarter. We see the exchange rate oscillating in a 0.65-0.69-cent range as various crosscurrents play out. The list includes more market turbulence, global and Australian recession fears, China’s stumbling recovery and weaker renminbi, narrower interest rate differentials, the flow support from Australia’s current account surplus (circa-1.4 percent of gross domestic product), and solid underlying commodity demand from the global green energy push. But beyond the next few tricky months, our underlying view continues to be for the Australian dollar to edge up into the low 0.70’s by...

Read More Read More

Bullish signals are proliferating.

We have a positive medium-term bias and expect the yen to strengthen over the third quarter and subsequent quarters. We see the currency rising towards 130 by year-end, and into the mid-120’s in a year’s time. This stems from several factors including: (a) Our expectation that the Bank of Japan will embark on a policy normalisation path given the upturn in inflation. Core inflation (all items excluding fresh food and energy) is now running north of 4 percent per annum, the highest since 1981. In our judgment, an ultra-accommodative stance appears untenable, and it seems to be a matter of...

Read More Read More