Daily Brief – OBR: Quis custodiet ipsos custodies?

Humphrey Percy
Chairman and Founder
Fri 28 Nov 2025

OBR: Quis custodiet ipsos custodies?

After Wednesday’s fiasco with the pre Budget post budget forecast release, it is worth looking at how the shadowy OBR is actually constituted. Who are the guardians of the UK’s financial probity? The Office of Budget Responsibility as the UK’s independent fiscal watchdog is supposed to be purer than pure, which is why it was a shock when its forecasts based on Wednesday’s Budget were issued before the Budget. As a non departmental public body, the OBR is independent from government departments and is accountable to Parliament and the UK Chancellor. It is governed by 3 Executive Directors who form the decision-making committee and 2 Non Executive Directors and numbers 52 permanent staff with another 125 external staff drafted in from government departments to produce reports. By the time you read this, the luckless Head may have fallen on his slide-rule but the blame apparently lies with IT. Meanwhile, as a likely kiss of death the Chancellor has expressed full confidence in the Head of the OBR, Richard Hughes.

GBP/USD 1.3226.

EU Borrowing

When POTUS browbeat the EU in the summer to spend more on defence by increasing their individual country defence spends to 5% of GDP by 2035 which marked an immense increase, something was bound to give due to the prescriptive EU rules on borrowing. Budget deficits must be less than 3% of GDP, and public sector debt must be less than 60% of GDP. After the POTUS summer onslaught, the EU agreed to strengthen defence and increase their industrial investment. Now the EU Commission is issuing detention notes to the following: the Netherlands, Croatia, Lithuania, and Finland. Most of the rest of the EU are in danger of joining those countries on the naughty step but in a classic European ploy, Spain, Belgium, and Austria have simply not handed in their homework and not submitted budgets at all.

EUR/USD 1.1583.

Australian Dollar

Recently, due to the increasingly intertwined economic relationship between Australia and China, the AUD has been tracking CNY. On two measures there is an argument that the AUD looks cheap: first given the recent strengthening of the CNY and second given the AUD yield play with 3 and 10 year Aussie government bond yields at 3.86% and 4.5% respectively, which are the highest on offer in the G10.

GBP/AUD 2.0271.

EUR

If the Marco Rubio led negotiations on Ukraine are as successful in reaching a sustainable conclusion as he is suggesting, there is an argument for EUR moving up smartly. This move will be bolstered if the market is correct in its growing view that the Federal Reserve will deliver a December US interest rate cut. As always much can go wrong given the great difficulty in reaching a Ukraine peace deal which is palatable to Ukraine, Russia, the USA, and Europe. Rather more likely is the ability of the Federal Reserve to placate the US administration with a Christmas present in the shape of an interest rate cut.

GBP/EUR 1.1412.

I Will Always Love You

This day in 1992 before the ravages of the rock star lifestyle got to her, Whitney Houston began a record breaking 14 week run at the top of the charts with this number which was also of course the theme song from the smash hit movie The Bodyguard.

If I should stay
I would only be in your way
So I’ll go, but I know
I’ll think of you every step of the way

And I will always love you
I will always love you
You
My darling, you, mm-mm

Bittersweet memories
That is all I’m taking with me
So goodbye, please don’t cry
We both know I’m not what you, you need

And I will always love you
I will always love you

I hope life treats you kind
And I hope you have all you’ve dreamed of
And I wish you joy and happiness
But above all this, I wish you love

And I will always love you

Have a Great Weekend!

Discussion and Analysis by Humphrey Percy, Chairman and Founder

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