Obbligazioni perpetue e subordinate Tutto quello che avreste sempre voluto sapere sulle obbligazioni perpetue... - Cap. 1 (7 lettori)
- Creatore Discussione negusneg
- Data di Inizio
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- Tags
- additional tier 1 bail in basilea 3 coco bonds crd iv genussscheine grandfathering hybrid bond loss absorption lower tier 2 make whole amount matusalem bond obbligazioni irredimibili obbligazioni perpetue obbligazioni subordinate perpetual bond preference shares restricted tier 1 tier 1 upper tier 2
- Stato
quantotanto
Forumer attivo
i soldini avanzati, se domani ing sta ancora li, me sa che ce li metto ancora sopra
Ma Ing (su cui sto valutando un ingresso) ha restituito o sta restituendo gli aiuti di stato?
Perché mi sa che se non li restituisce non paga cedole...
Topgun1976
Guest
ieri ho provato vendere le antonveneta
avendo due cc in due banche diverse ho chiamato entrambe..
una le vendeva a 81.5
una mi applicava la ritenuta del 12
non e' una barzelletta .....
Io venduto tutto tra 82 e 81,75 Certo che ste Banche sono indifendibili
ferdo
Utente Senior
scusa, hai rivenduto per cosa fare ? (se puoi ovviamente)Io venduto tutto tra 82 e 81,75 Certo che ste Banche sono indifendibili
Zorba
Bos 4 Mod
comprata ancora ing 127 a 47,5
(...)
ORA ING 127 è al 23% del pdf...
e meno male che la prima regola è la diversificazione...
ESEMPIO DA NON SEGUIRE
(...)
a sto punto posso solo dire una cosa FORZA ING; E FORZA BANK OF AUSTRIA che in due arrivano quasi al 70% del ptf perpetuo
Sei un mito di kamikaze!!
Dimenticavo: ho terminato switch da Ing 587 (vendute a 52) a Ing 127 (comprate a 46).
BOS, ma digli qualcosa alla tua banca. Non può comprarti ING a sti prezzi...
bosmeld
Forumer storico
Sei un mito di kamikaze!!
Dimenticavo: ho terminato switch da Ing 587 (vendute a 52) a Ing 127 (comprate a 46).
BOS, ma digli qualcosa alla tua banca. Non può comprarti ING a sti prezzi...
BANZAIIIII
46
quanto mi rode non poterla prendere li...ho iw, quel prezzo non è solo per me è per tutti
in questi giorni 47 e oggi pomeriggio 47,5
quanti soldi avrei potuto risparmiare...
cmq se uno ci crede 1-1,5 non sono importanti, ma ti fanno rodere MOLTISSIMO, specie quando si parla di un po di soldini.....
p.s mi rode anche il fatto che non mi hanno ancora accreditato soldini con cui volevo prendere qualche obb. usd e nel mentre l'euro si è indebolito e ora sta sotto 1,47
quantotanto
Forumer attivo
"Bruxelles (L'Echo) - La Commission a rappelé mercredi soir dans un communiqué que sa communication publiée en juillet dernier sur les aides aux institutions financières prévoit que "les banques ne peuvent utiliser des aides d'Etat pour rémunérer leurs fonds propres (actions et dette subordonnée), quand leurs activités ne génèrent pas assez de bénéfices".
Les banques aidées par les Etats doivent consulter la Commission avant d'annoncer au marché des transactions relatives au Tier 1 et au Tier 2, poursuit-elle
Zorba
Bos 4 Mod
BANZAIIIII
46
ho iw, quel prezzo non è solo per me è per tutti
in questi giorni 47 e oggi pomeriggio 47,5
quanti soldi avrei potuto risparmiare...
cmq se uno ci crede 1-1,5 non sono importanti, ma ti fanno rodere MOLTISSIMO, specie quando si parla di un po di soldini.....
Dai BOS, quando a Natale Ing sarà a 60
, non te ne ricorderai nemmeno di questo 1,5. Poi lo sai anche tu che al venerdì pomeriggio i MM fanno la pennica:zzz:, lavorano 'na mezzora e poi fuggono per il week end
bosmeld
Forumer storico
Dai BOS, quando a Natale Ing sarà a 60
ormai è fatta, meglio che non ci penso più
mi sono fatto prendere dalla fretta, non volevo che lunedì mi scappavano...
ma mi sa che se aspettavo non cambiava nulla
vabbè se luned' sta li probabilemnte incremento...
oltre a farmi una chiacchieratina con iw
Ultima modifica:
Imark
Forumer storico
Sempre per tenere d'occhio i perpetui e subordinati delle svedesi, qui c'è qualche numero sintetico su esposizioni in Lettonia e misure adottate per fare fronte a possibili perdite...
By Anna Molin
Of DOW JONES NEWSWIRES
STOCKHOLM (Dow Jones)--Latvia's plan to limit primary homeowners' liabilities to the value of their home, not the loan itself, would hurt the Baltic country's chance of recovery by making new private home lending difficult, a top executive at Swedbank AB (SWED-A.SK) said Thursday.
Swedish-based Swedbank is Latvia's largest lender and risks bigger losses on loans if the idea introduced this week by Latvian Prime Minister Valdis Dombrovskis passes into law. Other Nordic banks have also lent to the region, with Skandinaviska Enskilda Banken AB (SEB-A.SK) trailing Swedbank in exposure.
Borrowers who own only one home and can't pay their mortgage would under the proposal be able to hand over their household keys to their bank and thereafter be relieved of any responsibility to pay the rest of the loan. The proposal would also compel banks to put up borrowers and their families in repossessed smaller homes or apartments if they don't have anywhere else to live.
That would leave Latvian banks in a tough spot, since real estate values have plunged sharply, possibly forcing them to sell seized properties for prices that are lower than the loans themselves.
"This proposal violates established European judicial principles, and we are surprised that a E.U. country would make this kind of proposal," Thomas Backteman, Swedbank's head of corporate affairs, told Dow Jones Newswires.
He said the proposal violates European principles such as the prohibition of retroactive legislation and individual responsibility when entering agreements, and that he expects the European Union to "react against a E.U. member that proposes legislation that doesn't jibe with the European legislative tradition."
Backteman said it was too early to say how many loans would be at risk if such a law passes.
The bank's property credit portfolio in Latvia had a loan-to-value ratio of 104% at end-June, meaning the loan was on average worth 4% more than the underlying collateral.
"Financially, this isn't a major problem right now, but it remains unclear what happens in the future," Backteman said.
"What's more serious is that this risk undermining Latvia's economic recovery, and I find it hard to understand why Latvian politicians would benefit from a delayed recovery in the Latvian economy," he said.
Rising unemployment and increasing bankruptcies have already shaved off some 70% of peak-2007 real estate prices in the country, where the economy is forecast to contract 18% this year.
If the new proposal passes into law against that background, Backteman said banks will be forced to limit their new property lending to only a small part of the home's current value to protect themselves against further price falls.
"It would be much more difficult for the entire banking market to give property credits. We would, of course, be forced to take substantial safety margins for our new property credits," he said.
That would in turn counter part of what the government is hoping to accomplish, namely encourage banks to maintain lending to spur economic growth.
"Private individuals will find it very hard to lend money for properties in Latvia if this proposal becomes a reality," Backteman said.
Market-watchers have speculated what prompted the government to make such a move. One theory is that it is simply trying to ease the pressure on debt-laden households, whereas another is that it is the prelude to an eventual currency devaluation.
Backteman called that "pure speculation and impossible to comment on."
A spokeswoman for the Latvian Prime Minister's Office referred back to Tuesday's statement that the law changes were proposed in light of "the situation in the financial market and increasing problems for borrowers" and were in no way a preparation for devaluation.
SEB couldn't immediately be reached for comment.
Swedbank and SEB had at the end of June lent 61 billion Swedish kronor ($8.72 billion) and SEK46 billion ($6.58 billion), respectively, to Latvia, representing about 4.9% and 3% of their group lending.
Both had taken sizeable provisions for future losses there by end-June, with Swedbank reporting SEK4.54 billion in impairment losses and other credit risk provisions and SEB reporting total Latvian impaired loans and reserves of SEK3.89 billion.
At 1011 GMT, Swedbank shares were down SEK1, or 1.6%, at SEK60.25, while SEB was flat at SEK44.60, underperforming a 0.7% rise in the index of the Nordic region's 40 largest companies.
- OCTOBER 8, 2009, 6:32 A.M. ET
By Anna Molin
Of DOW JONES NEWSWIRES
STOCKHOLM (Dow Jones)--Latvia's plan to limit primary homeowners' liabilities to the value of their home, not the loan itself, would hurt the Baltic country's chance of recovery by making new private home lending difficult, a top executive at Swedbank AB (SWED-A.SK) said Thursday.
Swedish-based Swedbank is Latvia's largest lender and risks bigger losses on loans if the idea introduced this week by Latvian Prime Minister Valdis Dombrovskis passes into law. Other Nordic banks have also lent to the region, with Skandinaviska Enskilda Banken AB (SEB-A.SK) trailing Swedbank in exposure.
Borrowers who own only one home and can't pay their mortgage would under the proposal be able to hand over their household keys to their bank and thereafter be relieved of any responsibility to pay the rest of the loan. The proposal would also compel banks to put up borrowers and their families in repossessed smaller homes or apartments if they don't have anywhere else to live.
That would leave Latvian banks in a tough spot, since real estate values have plunged sharply, possibly forcing them to sell seized properties for prices that are lower than the loans themselves.
"This proposal violates established European judicial principles, and we are surprised that a E.U. country would make this kind of proposal," Thomas Backteman, Swedbank's head of corporate affairs, told Dow Jones Newswires.
He said the proposal violates European principles such as the prohibition of retroactive legislation and individual responsibility when entering agreements, and that he expects the European Union to "react against a E.U. member that proposes legislation that doesn't jibe with the European legislative tradition."
Backteman said it was too early to say how many loans would be at risk if such a law passes.
The bank's property credit portfolio in Latvia had a loan-to-value ratio of 104% at end-June, meaning the loan was on average worth 4% more than the underlying collateral.
"Financially, this isn't a major problem right now, but it remains unclear what happens in the future," Backteman said.
"What's more serious is that this risk undermining Latvia's economic recovery, and I find it hard to understand why Latvian politicians would benefit from a delayed recovery in the Latvian economy," he said.
Rising unemployment and increasing bankruptcies have already shaved off some 70% of peak-2007 real estate prices in the country, where the economy is forecast to contract 18% this year.
If the new proposal passes into law against that background, Backteman said banks will be forced to limit their new property lending to only a small part of the home's current value to protect themselves against further price falls.
"It would be much more difficult for the entire banking market to give property credits. We would, of course, be forced to take substantial safety margins for our new property credits," he said.
That would in turn counter part of what the government is hoping to accomplish, namely encourage banks to maintain lending to spur economic growth.
"Private individuals will find it very hard to lend money for properties in Latvia if this proposal becomes a reality," Backteman said.
Market-watchers have speculated what prompted the government to make such a move. One theory is that it is simply trying to ease the pressure on debt-laden households, whereas another is that it is the prelude to an eventual currency devaluation.
Backteman called that "pure speculation and impossible to comment on."
A spokeswoman for the Latvian Prime Minister's Office referred back to Tuesday's statement that the law changes were proposed in light of "the situation in the financial market and increasing problems for borrowers" and were in no way a preparation for devaluation.
SEB couldn't immediately be reached for comment.
Swedbank and SEB had at the end of June lent 61 billion Swedish kronor ($8.72 billion) and SEK46 billion ($6.58 billion), respectively, to Latvia, representing about 4.9% and 3% of their group lending.
Both had taken sizeable provisions for future losses there by end-June, with Swedbank reporting SEK4.54 billion in impairment losses and other credit risk provisions and SEB reporting total Latvian impaired loans and reserves of SEK3.89 billion.
At 1011 GMT, Swedbank shares were down SEK1, or 1.6%, at SEK60.25, while SEB was flat at SEK44.60, underperforming a 0.7% rise in the index of the Nordic region's 40 largest companies.
- Stato