USA: Finansaktier

AIG

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

CNB

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

DSL...

Bättre och bättre:-))

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

STSA

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Wachovia corp

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

 WM washington mutual

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

En till. 

|StRY| "Caveat emptor. Buyer beware."

ja varför... och det tyvärr förändrar inte bilden...

"Results for the first quarter exceeded expectations," said Mr. Hermance. "Hudson City "Hudson City received 78% more mortgage applications than the corresponding quarter last year. And, while credit quality continues to dominate the headlines, Hudson City?s asset quality remains strong. We never pursued risky loan products such as sub-prime loans, negative amortization loans or loans with high loan-to-value ratios that did not carry private mortgage insurance. With regard to deposits, cumulative growth year to date exceeds $1.1 billion--a Bank record. Additionally, our average deposits per branch are now $135 million while the national average is $69 million for FDIC-insured institutions. Hudson City also continues to enjoy a significant cost advantage in the marketplace. Our industry-leading efficiency ratio for the first quarter of 2008 was 24.66% and continues to top the 50 largest U.S. banks that as a group, have an average efficiency ratio of over 55%," said Hermance.

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Inlägget är redigerat av författaren.

Vice Chairman Donald L. Kohn
Condition of the banking system
Before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate
June 5, 2008

Over the coming months, we expect banking institutions to continue to face deteriorating loan quality. House prices are still declining sharply in many localities and losses related to residential real estate--including loans to builders and developers--are bound to increase further. In addition, weak economic conditions could well extend problems to other segments of lending portfolios including consumer installment or credit card loans, as well as corporate loan portfolios. Moreover, banking organizations must be prepared for the possibility that liquidity conditions become tighter if uncertainties in the capital markets fail to subside or if credit conditions deteriorate significantly. Accordingly, we anticipate that the number of banks with less than satisfactory supervisory ratings will continue to increase from the relatively low levels that have existed in recent years and we are monitoring developments at all supervised institutions closely.

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Feds balance sheet se bild

Och i detta sammanhang börjar en del fed ledamöter höja rösten

Lacker Says Fed Loans to Wall Street Risk More Crises

Richmond Federal Reserve Bank President Jeffrey Lacker, challenging Chairman Ben S. Bernanke's unprecedented actions to stem a financial panic, warned that lending to securities firms raises the risk of future tumult.

``The danger is that the effect of the recent credit extension on the incentives of financial-market participants might induce greater risk taking,'' Lacker said in a speech to the European Economics and Financial Centre in London. That ``in turn could give rise to more frequent crises,'' he said.

...

Philadelphia Fed President Charles Plosser urged in a separate speech today that officials specify the conditions ``under which the central bank will lend'' to firms. He told reporters in New York afterwards that ``we run the risk of sowing the seeds of the next crisis.''


...

Thomas Hoenig of Kansas City said last month the Fed's actions were ``likely to weaken market discipline,'' while Minneapolis's Gary Stern in April worried about ``adequate incentives to contain'' an expansion in the Fed's safety net. 

...

Lacker, who will vote on the rate-setting Federal Open Market Committee next year, said rising public expectations for the rate of inflation have ``gotten'' his ``attention.'' If there is a risk of inflation expectations rising ``significantly, we need to shade policy higher than we otherwise would,'' he said

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

#8 Ja, Hudson City Bankcorp har en annan riskprofil och skördar i nuvarande marknadsklimat frukten av det. Vad menar du med "förändrar inte bilden"? Av deras verksamhet eller finans/banksektorn i stort? Det senare var inte min mening att ens försöka antyda.

Jag lyfte fram HCBK som ett exempel, som så vitt jag kan se ej lyfts fram tidigare på AG, på att det finns ljuspunkter till och med mitt i mörkaste elände. HCBK har varit och kan förmodligen vara en fin spread att ta för den som inte vill/får ligga naket exponerad kort mot finanssektorn som sådan. 

Tydligen var det lika mycket värt som ett citat ur bolagets redovisning. Dags att hålla käft igen tydligen. :^|

Sorry.

|StRY| "Caveat emptor. Buyer beware."

Inlägget är redigerat av författaren.

#11

Bilden  av finans sektorn...förstås...Och det är poängen med inlägget...

Du vill lyfta HCKB som exempel... det är väl bra...

Jag har haft aktien under bevakning senaste månaderna... Inte tagit upp det för jag fann ingen anledning till det...

Du tycker det är bra fortsätt med det... ser inget negativt med det.

men jag kan inte reka köp av denna sektorn,,, man skall varna för det oavsett om det finns bra aktier eller inte för hela sektorn stinker.

Hålla käft,,, på vilket sätt... Har tyvärr inga planer för det...

Du har hela forumet för dig så bara att skriva vad du tycker  som kan hjälpa mig och andra för att fatta vettiga beslut med trading eller investering...

Jag alltid lyssnar .

mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Inlägget är redigerat av författaren.

Citigroup, Merrill, UBS Face Further Writedowns, Whitney Says 

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

BOSTON (MarketWatch) -- Swiss banking giant UBS  knew as early as December that the auction-rate securities market was in trouble, but continued to sell the investments to some clients without warning of the potential risk, the Boston Globe reported Monday. While UBS brokers said they were surprised by the meltdown in the segment of the municipal-bond market, the company had advised some large investment-banking clients of looming problems, the newspaper said, citing documents it obtained. UBS is under investigation by regulators in Massachusetts and New Hampshire, and the Securities and Exchange Commission for allegedly misleading investors in the auction-rate market, according to the article. Regulators are also probing whether UBS played a role in allowing the market to collapse, the Globe reportedBOSTON

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

 Lehman's Bad Real Estate Investments

Lehman's Property Bets
Are Coming Back to Bite
Archstone and SunCal Investments
Were Made in Already Heated Markets
By ALEX FRANGOS and MICHAEL CORKERY
June 10, 2008

The stunning $2.8 billion second-quarter loss Lehman Brothers Holdings Inc. announced Monday stemmed in part from two big real-estate investments made at high prices near the top of the market that are coming back to bite the investment bank.

Lehman joined with Tishman Speyer Properties last year to pay $22 billion for real-estate investment trust Archstone-Smith in the largest apartment-building deal ever. And in a series of projects, it teamed up with Irvine, Calif.-based land developer SunCal Cos. to develop and sell thousands of house lots to builders across Southern California. Some $1.6 billion of assets from those deals remain on Lehman's books.

In both cases, Lehman dove into already heated markets, overpaid for the properties and, the firm says, has taken big markdowns. On Lehman's conference call discussing its second-quarter loss and its $6 billion capital raising, the bank's finance chief, Erin Callan, said the firm had taken a "significant" write-down on its Archstone investment and the loss on its SunCal properties was "similar to other large transactions that have occurred in relevant markets." She wouldn't give the size of the write-downs.

Lehman sold a whopping $7 billion in commercial mortgage assets in the past three months. About $1.4 billion of the $3.7 billion of net losses it reported Monday from marking the value of its asset portfolio down to what it is really worth was in its commercial mortgage portfolio and other real-estate investments, including hedges.

But Lehman is still left with a commercial real-estate debt portfolio of about $29 billion, a high figure compared with many other investment banks. And that could face more damage if the faltering economy results in a rise in delinquency rates, which have remained low by historical standards.

Ms. Callan called the real-estate related write-downs the firm has already taken "very large" and that "gives me confidence in the actual accumulated loss" across both residential and commercial portfolios. Since the beginning of the firm's 2007 fiscal year, Lehman has taken a total of $3.5 billion in write-downs related to commercial mortgages and held-for-sale real estate.

In the deal for Archstone, which owns roughly 80,000 apartments concentrated in high-end neighborhoods in New York, California and other coastal cities, Lehman put up $250 million in equity and led a group of banks that brought an added $4.6 billion in so-called bridge equity that the banks planned to sell to other investors. The banks have had trouble selling the equity as real-estate values dropped about 20% since then.

At the time of the deal, the rent from the apartments wasn't enough to cover the debt service on the $16 billion in debt on the company. To assuage nervous debt investors, Lehman and Tishman Speyer agreed to create a $500 million interest reserve when the deal was structured. As of the end of 2007, three months after the purchase closed and the latest numbers available, Archstone had already tapped $72 million of the reserve. So far this year, Ms. Callan said Archstone's revenue is up 5%.

Lehman's strategy has been to sell individual Archstone apartment complexes to pay down debt. But so far, sales have proven difficult because buyers are waiting for prices to fall further. Since Lehman announced the Archstone deal in late May 2007, apartment REIT stocks have fallen 20.32%, according to SNL Financial's U.S. REIT Multifamily index.

Lehman's other troubled deal was with SunCal to sell house lots to builders in California, including in the so-called Inland Empire east of Los Angeles, where land values have plummeted as much as 60% in some areas. Land tends to be the riskiest real-estate investment because its value can evaporate quickly and Lehman's exposure to SunCal land deals is $1.6 billion.

One troubled Lehman-backed SunCal project is McAllister Ranch, a massive master planned, residential community in Bakersfield, about 100 miles outside of Los Angeles. That project received a notice of default on a $235 million loan a few weeks ago. Lehman's exposure to that deal is now negligible because it sold off or took write-downs on most of its exposure, according to a person familiar with the situation. 

THE WALL STREET JOURNAL

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Inlägget är redigerat av författaren.

LEH 

AKTIEN FORTSÄTTER NER

MVH SPX970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

The April 2008 Senior Loan Officer Opinion Survey
on Bank Lending Practices

 In the April survey, domestic and foreign institutions reported having further tightened their lending standards and terms on a broad range of loan categories over the previous three months. The net fractions of domestic banks reporting tighter lending standards were close to, or above, historical highs for nearly all loan categories in the survey. Compared with the January survey, the net fractions of banks that tightened lending standards increased significantly for consumer and commercial and industrial (C&I) loans. Demand for bank loans from both businesses and households reportedly weakened further, on net, over the past three months, although by less than had been the case over the previous survey period.

 MVH SPX970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

#17

Listening to Loan Officers: The Impact of Commercial Credit Standards on Lending and Output by New York Fed researchers Cara S. Lown, Donald P. Morgan, and Sonali Rohatgi

Off and on since 1967, the Federal Reserve has surveyed loan officers at a small sample of large banks about their commercial credit standards. The idea behind the survey is that the availability of bank credit depends not just on interest rates, but on credit standards as well. Notwithstanding the small and changing sample, the checkered pattern of questions, and the sometimes curious responses of lenders, the reports are informative. The changes in standards that they report help to predict both commercial bank lending and GDP, even after controlling for past economic conditions and interest rates. Standards matter even in the 1990s, when capital markets were supposed to have eclipsed the role of banks in the economy. Changes in standards also help to predict narrower measures of business activity, where commercial credit availability from banks seems most crucial. The connection between bank standards and inventories is especially promising, because inventory investment is notoriously unpredictable and heavily bank dependent.

A shock to credit standards and its aftermath very much resemble a "credit crunch." Loan officers tighten standards very sharply for a few quarters, but ease up only gradually: two to three years pass before standards are back to their initial level. Commercial loans at banks plummet immediately after the tightening in standards and continue to fall until lenders ease up. Output falls as well, and the federal funds rate, which we identify with the stance of monetary policy, is lowered. All in all, listening to loan officers tells us quite a lot.

 mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

STOCKHOLM (Direkt) Stockholmsbörsen vek plötsligt ned
på onsdagseftermiddagen, i linje med de ledande europeiska
börserna. Banksektorn, som återhämtat sig under större delen
av dagen, pressades av internationell oro i sektorn.
Verkstadsbolagen agerade främsta sänken.

"Bankerna åker ned på rykten om att Goldman Sachs ska
göra nedskrivningar och om att den amerikanska centralbanken
ringer runt till banker för att höra hur exponerade de är mot
Lehman Brothers, för att se hur stor risken är i
banksystemet", säger en mäklare till Nyhetsbyrån Direkt.

GS se bild

Video

Timothy Geithner om

Regulating banking system - P1/P2/P3/P4/P5

Kommentar

se: Video

Regulating banking system

 mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Fed's Beige Book: Economic Activity Remains Generally Weak

Consumer spending slowed since the last report as incomes were pinched by rising energy and food prices. Higher energy prices also appeared to damp domestic tourism. Reports on nonfinancial services varied across Districts and industries. Manufacturing activity was generally soft in recent weeks, with weak demand for housing-related and some other products but with increasing demand for exports. Residential real estate markets remained weak across most Districts. Commercial real estate conditions varied across Districts, as did reports on nonresidential construction activity. Lending activity also varied across Districts and market segments, though tighter credit standards were reported for most loan categories. Districts reporting on the agriculture and energy sectors noted improved crop conditions and increased drilling and extraction activity.  

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Allt är fint och underbart...

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Economic stimulus payments push May budget deficit to an all-time high of $165.9 billion 

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Kan vara värt att påtala nu med alla rykten i finansmarknaden.

Igår blev Toscafund, bland de största ägarna i Washintong Mutual dödad i London.

De fick lägga ut ett 4mdr USD säljprogram i finans då Aberdeen och deras andra innehav kollapsade. Marknaden gick då före.

Landsdome är näst största ägare i vissa av bolagen och kan vara nästa.

Mvh Corpsee

Inlägget är redigerat av författaren.

Viktigt att inte glömma följande.

Tisdag släpper Goldman Sachs (GS) sin rapport...

First call 3.42

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

WaMu Statement Regarding Rumors of Regulatory Action

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

AIG Chief Executive Sullivan May Resign, WSJ Reports

AIG was expected to replace Sullivan after turmoil in housing and credit markets caused the worst loss in the company's 89-year history. The company, ranked No. 1 by assets among insurers, has lost more than a third of its market value since Sullivan took the top job following the ouster of Maurice ``Hank'' Greenberg in 2005. 

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Lehman

Despite selling $130 billion of assets during its fiscal second quarter, the firm still has huge exposures to assets that are proving hard to sell and tricky to value. Its leverage, or the amount of borrowed money used to finance those holdings, is falling but remains high.

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

STOCKHOLM (Direkt) Goldman Sachs väntas redovisa ett
lägre resultat jämfört samma kvartal för ett år sedan när
investmentbanken publicerar sin rapport på tisdagen.
Analytiker pekar dock på att Goldman Sachs är den av de stora
investmentbankerna som klarat sig bäst och att intjäningen
allt jämnt är stabil.

"Goldman Sachs är den bästa i klassen. Den har en
överlägsen kapitalposition, en ledande marknadsandel inom
återkapitaliseringsområdet och är den enda investmentbank som
har råd att ta risker inom till exempel bolån", säger Douglas
Sipkin, analytiker på Wachovia Capital Markets, enligt
Thomson Financial.

Enligt Thomson Financials prognossammanställning
väntar sig analytikerna i snitt ett resultat om 3:42 dollar
per aktie med en försäljning på 8,7 miljarder dollar för det
brutna räkenskapsårets andra kvartal. Resultatprognosen har
sjunkit från 3:71 dollar per aktie sedan en månad tillbaka
och är 31 procent under resultatet för motsvarande kvartal
2007.

"Den primära anledningen till att estimaten för
vinsten per aktie kommit ned är lägre förväntningar på
tradinginkomster, särskilt inom obligationshandeln", säger
James Mitchell, analytiker på Buckingham Research, enligt
Thomson Financial.

Atlantic Equities analytiker Richard Staite väntar
sig att Goldman Sachs, som är känd för att vara konservativ,
har lyckats undvika stora förluster under kreditkrisen och
lyckats öka sin marknadsandel. Goldman Sachs har bland annat
lägre exponering mot bostadslån, som till exempel orsakade
den största delen av Lehman Brothers stora förluster.

"Goldman hade 27 miljarder dollar i högrisklån, men
de var inte fullt hedgade och grundrisken är lägre", säger
Richard Staite.

Goldman Sachs aktie har tappat 27 procent sedan
toppnoteringen i oktober förra året och är 15 procent ned
sedan årsskiftet. Det kan jämföras med Lehman Brothers, som
fallit med 58 procent och Morgan Stanley som backat 20
procent sedan årsskiftet.

Rapporten släpps mellan 14:00 och 14:30

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Goldman analysts see US banks needing $65 bln new capital 
GS New capital to be more costly for US banks: Goldman analysts
[GS] Goldman analysts trim average US bank estimate by 9%
[GS] Goldman analysts "still cautious" on US regional banks

STOCKHOLM (Direkt) Goldman Sachs tror att de
amerikanska bankerna måste få in ytterligare 65 miljarder
dollar för att täcka kreditförlusterna.

Förlusterna kommer att vara som högst under första
kvartalet 2009.

 mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Inlägget är redigerat av författaren.

 STOCKHOLM (Direkt) Goldman Sachs redovisar ett
justerat resultat per aktie på 4:58 dollar för det andra
kvartalet (4:93).

Analytikerna hade räknat med ett resultat på 3:42
dollar per aktie, enligt en sammanställning av Bloomberg News.

Intäkterna uppgick till 9,42 miljarder dollar under
kvartalet (20,4), jämfört med förväntade 8,7 miljarder
dollar./

Försäljningen av räntebaserade värdepapper minskade
med 29 procent under kvartalet och uppgick till 2,4 miljarder
dollar. Resultatet påverkades av kreditförluster och
nedskrivningar på totalt 775 miljoner dollar

mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Inlägget är redigerat av författaren.

STOCKHOLM (Direkt) William Poole, fram till nyligen
chef för Federal Reserve i St Louis, tycker det ser ut som
att Fed är redo att ta tillbaka något av de räntesänkningar
som genomförts det senaste dryga halvåret.

Det sade han i en intervju med Bloomberg TV på
tisdagen.

William Poole sade att han tycker att Fed bör agera
tidigt hellre än sent. Hans bedömning är att
energiprisstegringarna inte är någon "temporär chock", och
Fed måste förhindra att den höga inflationstakten sprider sig
via högre löneökningar.

Han sade vidare att Feds stöd till investmentbanker
var en "historisk förändring", hans uppfattning är att Fed
inte bör rädda "underkapitaliserade institutioner

mvh spx

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Morgan Stanley Profit Drops 57% on Debt Losses, Meets Estimates

``It's just a very difficult time for these companies,'' said Marshall Front, chairman of Chicago-based Front Barnett Associates LLC. ``Even Morgan Stanley, which we view as being well run, is running into very heavy headwinds.''

aktien faller med över 4%

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Glömde bilden

mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Jag e en festis? 

Mvh Corpsee

#31

Video

Former Federal Reserve Bank of St. Louis President William Poole talks about monetary policy, the outlook for inflation and the housing market, and the Fed's response to the turmoil in credit markets. 

mvh spx970 

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

#34

Du visar MER , så jag tänkte Festis

Mvh Corpsee

Wiped out...

mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Fifth Third Falls After Dividend, Profit Forecast Cut

 ``What's going wrong for them is that they have this position in Michigan and Florida, so they're astride some consumer industries, housing and auto, that are showing the greatest degree of stress,'' said Dick Bove at Ladenburg Thalmann & Co.

mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

HBOS Takes Writedowns on Homebuilder Stakes as Bad Loans Rise

June 19 (Bloomberg) -- HBOS Plc, the U.K. mortgage lender that plans to raise 4 billion pounds ($7.8 billion) in a rights offer, said bad home loans rose 17 percent this year, ``in line'' with its forecast even as it predicted a bigger drop in house prices. 

mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

BANKER: LITAUENS CENTRALBANK VARNAR FÖR KREDITFÖRLUSTER

STOCKHOLM (Direkt) Svag ekonomisk tillväxt och
fortsatta problem på fastighetsmarknaden hotar att öka risken
för kreditförluster i Litauen och därmed försämrad lönsamhet
för landets banker.

Det skriver Bloomberg News och hänvisar till den
litauiska centralbankens årliga rapport över den finansiella
stabiliteten i landet.

"En svagare ekonomisk tillväxt och en förvärrad
situation inom fastighetssektorn kan komma att öka antalet
insolventa kunder", skriver Lietuvos Bankas.

De största kreditförlusterna spås inom transport- och
fastighetsmarknaden

mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Fallout From Bad Loans Rocks Regional Banks

"We have gone from shock and awe to blocking and tackling," Mr. Ellison said.

2)

Median home price in California drops 30% in May

 mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Bank Debt Risk Near Two-Month High on MBIA, Ambac Downgrades

UBS, Switzerland's biggest bank, is the European lender most at risk of writedowns because of the falling value of credit-default swaps sold by the bond insurers, analysts at CreditSights Inc. said yesterday. Credit-default swaps on the Zurich-based lender rose 3 basis points to 103, the highest in more than two months, according to CMA Datavision.

mvh spx970

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Lost decade.

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

LEH

mvh spx970 

" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Wachovia

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

C

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Mer

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

BAC

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

This is Wall street.

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Financial Firms May Make Deeper Cuts, Eliminate 175,000 Jobs

``The worst is yet to come,'' Russ Gerson, head of New York- based recruiting firm Gerson Group, said yesterday in an interview. ``We are going to have a major contraction. This is affecting all areas of the investment banking universe and it's affecting all areas globally.''

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

AmEx says credit worse than expected in June

 Credit card giant may hold off on growth initiatives, analyst says

Our main concern is that American Express will continue to show weak results over the next couple of years," the agency added in a note to clients

Och turkiet gör mål: 2-2  och vilket mål

3-2 nu...

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Inlägget är redigerat av författaren.

LONDON (MarketWatch) - U.S. stock futures dropped on Thursday as Goldman Sachs said U.S. brokers no longer look attractive and as Research In Motion, Nike and Oracle all issued cautious outlooks

Goldman Sachs cut its rating on U.S. brokers to neutral from attractive, and put Citigroup on its conviction sell list, saying that while it still believes the market is putting too much weight on the possibility that another investment bank may fail, it is "hard pressed" to find a catalyst to move the group significantly higher over the next few months as fundamentals continue to deteriorate.

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

 Financial Experts

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

lol   grym bild, vem är corpsee? 

Mvh Jamenvisst

?

Ingen , vet du inte vilka det är? 

Uteslutningsmetoden bör tom du kunna fixa det med.

Mvh Corpsee

Inlägget är redigerat av författaren.

#54 Väldigt onödig kommentar på gränsen till mobbing. 

US faces global funding crisis, warns Merrill Lynch

Merrill Lynch has warned that the United States could face a foreign "financing crisis" within months as the full consequences of the Fannie Mae and Freddie Mac mortgage debacle spread through the world.

This is not the time for policy-makers to underestimate, once again, the systemic risks to the financial system and the huge damage this would impose on the economy. Bold, aggressive action is needed, and needed now," he said.

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" Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful." Warren Buffet

Inlägget är redigerat av författaren.

Fortsättning följer

#0 Bra varnande bild till alla som så gärna skulle vilja fånga de svenska bankaktierna som är sååå billiga nu. Eller är de dyra egentligen?

#58

Bilden är missvisande eftersom marknadsvärdet inte representeras av cirklarnas yta utan av deras diameter, dvs cirklarnas höjd. Så de kunde lika gärna använt endimensionella stapeldiagram istället för tvådimensionella cirklar, men det hade väl inte sett lika uppseendeväckande ut...