All GLG News Analyses Filed Under: Commercial & Retail Banking

James McMahonPresidentJM Bear Advisors

Deposit Rates Inch Up on All Products Across all Financial Service Markets

April 1, 2009

Analysis of:Top savings rates rise as banks step up competition | www.ft.com

The competition between Banks, Thrifts, Credit Unions, Internet offerings and almost any deposit based institution has started to heat up in the US as well. Deposit rates tumbled across the product spectrum. A plethora of products contracted down to a handful. The expertise and talent in asset liability management (ALCO) of all Financial Institutions (FI's) became the new focus of bankers worldwide wether they had a handle on it or not.

Harnath SithamrajuConsultantHarnath Sithamraju

A pragmatic approach

March 30, 2009

Analysis of:Australia to guarantee state borrowings | www.ft.com

1. Tough times need tougher decisions. 2. Move to instil confidence in the economy.

Banks should consider take over of property and it's sale later. This will discourage loan defaults and minimise their NPA.

March 30, 2009

Analysis by: GLG Expert Contributor

Analysis of:UAE banks face loan defaults as property prices fall | www.ft.com

This article is important in present meltdown due to loan defaults and preventive methods with banks for retaing profitability and minimising NPAs.

Mark MariottiChief Executive OfficerFuture Management Holdings Inc

Prime, sub-prime totally sub-optimal cost of funds margin.

March 27, 2009

Analysis of:HDFC cuts retail prime lending rate | economictimes.indiatimes.com

HDFC (India's largest housing finance company) has attributed the cut in its retail prime lending rate (RPLR) to a reduction in its cost of funds.

Emerging Europe Need Internal Reform, Not EU Reliance

March 23, 2009

Analysis by: GLG Expert Contributor

Analysis of:Serbian bank chief attacks reliance on EU | www.ft.com

This article raises the concern that Emerging Europe needs Big Daddy, whilst unable to push through internal reforms Serbia is particularly vulnerable right now, and reliance on EU support without internal reform, will not yield sustainable long-term benefits

Patrick YoungFounder and ChairmanDerivatives Vision

Serbian Wisdom May Not Make Much Impact On The West

March 19, 2009

Analysis of:Serbian bank chief attacks reliance on EU | www.ft.com

Serbia's Central Bank Chief correctly ruminates on EU reliance while observing the need for internal economic reform that often citizens are more comfortable with than the political classes.

Commercial Realestate complications.

March 18, 2009

Analysis by: GLG Expert Contributor

Analysis of:Surge in Bank Failures Expected in '09 | online.wsj.com

In addition to the pressures felt by banks in the residential sector of lending, many of my peers agree, looming just as ominously before us is the commercial sectors potential for collapse and failure. Consider the value difference (regionally) of the average residential property and the costs of its failure. Then compare the impact to the banks for the average regional commercial property value and its default impact yet to come. It could very well be the straw that breaks the camels back for many banks small and large already in trouble. Costs per commercial loan default can easily be ten times that of a typical residential property in the same area. www.BlueMountainConsultant.com

Nathaniel FinkinManaging Partner and PrincipalFinkin Capital Advisors

Look out for regionals in 2009

March 16, 2009

Analysis of:Surge in Bank Failures Expected in '09 | online.wsj.com

1) Regional banks do not have a diverse income stream, and are heavily reliant upon net interest margin and "balance sheet banking" to generate income 2) While bank failures will likely be concentrated in certain marketplaces, the likelyhood of failure or success has more to do with reliance upon loan performance and less to do with size or location 3) Larger banks have mostly divested themselves of toxic assets, and the financial services sector as a whole has largely digested the mortgage meltdown.

Matthew AndersonPartnerForesight Analytics LLC

Bank Failures On The Rise

March 16, 2009

Analysis of:Surge in Bank Failures Expected in '09 | online.wsj.com

The volume and severity of distress currently in the market will almost certainly drive an increasing failure rate among banks. This is creating both challenges and opportunities in the banking and real estate sectors. Distressed loan and property sales are expected to increase, as the FDIC struggles to keep up with the growing list of closed institutions.

Nationalization and Centralization - A huge stepback!

March 9, 2009

Analysis by: GLG Expert Contributor

Analysis of:HBOS, RBS U.K. Deposits Fell; Government Banks Gained | www.bloomberg.com

Governments around the globe simply do not know what to do, have no idea of the impacts of the banking crisis and are pressing each other to take bold steps.  Given this Scenario, is Nationalization or even Centralization the answer? It is not, and depositers do realize it.  Firstly because one cannot handle well an operation if unaware of its entire chain.  And Government officers, are not in any way more qualified than Bank Executives in terms of undertanding the business. Secondly, Governments still miss the picture.  Banks no longer simply lend money - they own every business that have implications on monetary transactions, including insurance and funds operations. Separate agencies are in charge of supervising the several business that nowadays are know as "banking", without getting the full picture. Everything combines into a holding operation and if Governments do not understand that, they will "miss the train" with serious consequences to taxpayers and depositers.

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