Air cargo businesses illustrate "what is a finance lease" via fleet expansion without immediate large-scale capex outflows. Q3 2024 industry shipment volumes rose 5% YoY, supporting bullish earnings estimates for publicly listed cargo carriers with long-term lease terms locked in. after he took the helm of the bank in 2019 to take the lender forward after its fake-accounts scandal and refocus the business. In 2021, after reviewing Wells Fargo’s businesses, Scharf listed asset management, corporate trust, and rail leasing as units that would be offloaded to improve the company’s focus. The amendments also align the stamp duty treatment of charge cards with the treatment of credit cards, whereby from 1 January 2025 the €30 annual charge will apply per account (rather than per card) for both charge cards and credit cards. There are various differences between credit cards and charge cards for the purpose of the stamp duty provisions. In particular, a charge card enables a user to acquire goods, services or cash, whereas a credit card must provide all three facilities. Understanding "what is a finance lease" is crucial for bank stock investors, especially when assessing credit exposure. Finance leases often appear in corporate lending portfolios, influencing net interest margins. Current Fed policy hints at stable rates, supporting banks’ leasing income forecasts in the range of 4–6% growth annually.