Category Archives: banking

Spinning Deutsche’s Loan Sale

I’m having something of a Rashomon moment with respect to Deutsche Bank’s sale of leveraged loans. Dana Cimilluca and Peter Lattman, in the WSJ, say that the mooted sale by Deutsche Bank "could bolster its own health as well as … Continue reading

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Why Wachovia Needs Another $7 Billion

Why does Wachovia need another $7 billion of equity capital, on top of the $8.3 billion it raised earlier this year? It’s not like its capital ratios are particularly gruesome: as of March 31, its Tier 1 capital ratio was … Continue reading

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Annals of Stupid Philanthropy, BB&T Edition

What is it with ill-advised million-dollar charitable donations by banks? First of course there was Citigroup giving $1 million to the 92nd Street Y so that Jack Grubman’s twin girls could get into the preschool there. And now, well, I’ll … Continue reading

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Attractive Lenders

If I were a chartist, which I’m not, I’m sure I would consider the chart of KKR Financial to be surpassingly ugly. But I had lunch today with Brian McMahon, the CEO and CIO of Thornburg Investment Management, and he’s … Continue reading

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Where Private Equity Meets Public Debt

Back in October, things were so much smaller. The idea then was that KKR would put up $2 billion of equity, leverage it up to a total of $10 billion by borrowing $8 billion from Citigroup, and then use the … Continue reading

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Credit Card Datapoint of the Day

Visa is truly the global leader in credit cards. It has a market capitalization of $50 billion, and has a total transaction volume of $3.5 trillion per year: it’s worth about 1.4 cents per dollar transacted annually. Diners Club (remember … Continue reading

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Why JP Morgan Asked for a Fed Exemption

If JP Morgan Chase was so confident that it will "remain well capitalized" in the wake of the Bear Stearns acquisition, why did it go to the extraordinary length of asking the Fed to exempt it (or at least $400 … Continue reading

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Why Did JP Morgan Need the Fed’s Guarantee?

I got a very good question in my inbox last night: If JP Morgan did cherry pick and dump the riskiest Bear assets on the Fed, then there’s no mistaking the significance of the Fed $29 billion guarantee. If, as … Continue reading

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Adventures With Bear Stearns Stock

Aren’t SEC filings fun? According to this one, On March 24, 2008, JPMorgan Chase acquired 11,500,000 shares of Common Stock in the open market. The aggregate purchase price of $140,724,350 was paid out of working capital. That works out at … Continue reading

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Which CEO to Blame for Citi’s Woes?

When former Citi CEOs start sniping at each other in the press, you know things can’t be good. Today’s story in the FT is quite astonishing, for the quotes it gets from both John Reed and Sandy Weill: “The specific … Continue reading

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Are Investment Banks Really Trying to Fix the Auction-Rate Market?

The WSJ reports on the market in auction-rate securities today: Last week, UBS said it was marking down an undisclosed amount of the value of auction-rate securities held by its customers. Other banks, including Merrill, aren’t marking down their values. … Continue reading

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The Capital Infusion League Table

This probably looks really good on a Bloomberg screen, but the formatting is all screwy online. (Weirdly, the credit-loss league table looks fine.) So as a public service I’ll republish today’s league table here in a slightly easier-to-read format. Suffice … Continue reading

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Could Bear Stearns Have Filed for Chapter 11 After All?

Does Ben Bernanke know something the rest of us don’t? Here’s a little bit of today’s testimony: On March 13, Bear Stearns advised the Federal Reserve and other government agencies that its liquidity position had significantly deteriorated and that it … Continue reading

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Most People Will Never Understand What Happened to Bear Stearns

I’m catching up on a lot of material from the past week and a half or so, most of which is a little stale by now. But Deborah Solomon’s NYT interview with former Treasury secretary Paul O’Neill is still very … Continue reading

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How to Make Money from Losing Money, UBS Edition

UBS is the latest bank to see its share price rise in the wake of an absolutely enormous write-down. The $19 billion write-down announced today almost doubles the write-downs taken since the third quarter of 2007, and, in a move … Continue reading

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Lehman: Still Ready to Lend Megabucks

I’m back from holiday, and it seems there’s a 218-page report I Really Ought To Read. Do I hafta? In the meantime, I note that Lehman’s hitting the markets up for cash. Obviously Lehman, like all investment banks, reckons that … Continue reading

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The JP Morgan-Bear Stearns Option Agreement

Remember Exhibit A, the stock option agreement between JP Morgan and Bear Stearns which no one made public? Well, it’s finally been filed with the SEC. And it says exactly what everybody’s been saying that it says, only in legalese … Continue reading

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Lehman: The Eisinger Effect

If you look at the one-day chart of Lehman’s stock price today, you’ll see that it was up a coupla bucks, happily crusing along, until early afternoon. Then, suddenly, in the last two hours of trading, Lehman’s stock skyrocketed in … Continue reading

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Solvency Doesn’t Matter

Northern Rock was not insolvent when it collapsed. Bear Stearns was not insolvent when it collapsed. HBOS, victim of a bear raid yesterday, is not insolvent either. This is meant to reassure us? It doesn’t reassure Andrew Clavell.

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Why It’s Safe to Bet Against Joe Lewis

Are you tantalized by the prospect of Slate’s new business site? Well, the editor, Jim Ledbetter, is guest-blogging over at Fortune today, so maybe that will give you an idea of what to expect. This morning, talking about the Bear … Continue reading

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Bear Raid in the UK

Many people believe that Bear Stearns was brought down by a classic "bear raid" – where a rumor gets started, snowballs, and becomes self-fulfilling. In nervous markets, someone who shorts a bank and then starts a rumor that it’s in … Continue reading

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Bear Stearns Shareholder Math

A lot of the back-of-the envelope sums surrounding the Bear Stearns shares assume that Bear’s employees, who own 30% of the outstanding stock, are likely to vote against a deal. But given that New York City’s comptroller has already started … Continue reading

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Whither the Discount Window Stigma?

The WSJ headline today implies great dilemmas on Wall Street. "Firms Wrestle With Loans’ Stigma", it says, explaining: Wall Street firms were reluctant to borrow from the program Monday out of concern it could be seen as a sign of … Continue reading

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Bear Stearns’s Share Price: It’s Not Speculators

That confounding Bear Stearns share price! Unsurprisingly, my explanation yesterday for why BSC was trading well above the offer price doesn’t seem to have persuaded everybody (or, frankly, anybody, really). It was mentioned by DealBook, but the "first best explanation" … Continue reading

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Explaining the Bear Stearns Share Price

If you head over here, David Neubert has a slightly cryptic explanation of why Bear Stearns shares are trading in the $7 range. After IMing with him, I think I’m clear on what he’s saying, so let me try to … Continue reading

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