Obbligazioni perpetue e subordinate Tutto quello che avreste sempre voluto sapere sulle obbligazioni perpetue... - Cap. 1 (2 lettori)

[Mais78]

Meglio di prima sicuramente... immagina soltanto se il valore reale di quegli asset di qualità scadente fosse del 10% inferiore (a volare davvero bassi) rispetto al valore di carico... quali sarebbero le conseguenze sul discorso che fai sul core capital ...

Insomma, gioiellini ... uhmmm...

mark, vedo che ragioniamo allo stesso modo

Per le banche il problema e' quanto valgono realmente gli assets e quanto le liabilities e la rispettiva liquidita'. Se poi chiude un trimestre in utile o perdita vuol dire poco

 

[stordits]

Strategic program underpins target return on equity and aims to gradually
increase Tier 1 ratio through retention of profits, among other things Based on a strategic program anchored in its medium-term planning, Deutsche
Postbank AG (Postbank) is seeking to strengthen its long-term position as a
leading retail bank in Germany. By doing so, it is aiming to ensure that
even in a changed competitive environment it will achieve its medium-term
target of a sustainable operating return on equity after taxes of
approximately 13 percent after the elimination of the negative effects from
the financial crisis.

The strategic program presented to the Supervisory Board today will result
in a consistently focused product range and hence in more streamlined
processes. By reducing complexity, the Bank intends to achieve savings in
administrative expenses of approximately 5 percent as compared to 2008
(EUR2,969 million), despite the planned growth in volume. These savings are
expected to be realized in full by the end of 2012. To this end, non-staff
operating expenses will be reduced on the one hand, and efficiency
enhancement measures will result in lower staff costs, on the other.
Overall, according to current plans, the employee headcount in the Postbank
Group will be reduced from the expected 21,000 at the end of the current fiscal year (end of 2008: 21,130) to approximately 19,000 by the end of
2012. For this purpose, the Bank will recognize EUR28 million in provisions
as early as during the fourth quarter of 2009.

Under its medium-term plan, Postbank is also seeking to further strengthen
its capitalization in light of the current discussion of the new regulatory
requirements in the banking sector. In line with the current definition,
Postbank's Tier 1 ratio is expected to be gradually increased from 8
percent as of September 30, 2009 to approximately 10 percent as of the end
of 2012. Providing there is no unexpected worsening of the macroeconomic
conditions, the Bank intends to reach this target by introducing advanced
risk models to measure risk-weighted assets. These models are already in
the realization phase. In addition, the Management Board currently assumes
in its planning that net profits realized in fiscal years 2009 to 2012 will
be used in full to strengthen Postbank's equity base.

 

[Imark]

mark, vedo che ragioniamo allo stesso modo

Per le banche il problema e' quanto valgono realmente gli assets e quanto le liabilities e la rispettiva liquidita'. Se poi chiude un trimestre in utile o perdita vuol dire poco

Ciao Mais, infatti ...

 

[ferdo]

Postbank to Fully Use Net Profits to Strengthen Capital Base
*POSTBANK SEES TIER 1 ABOUT 10% BY 2012 VS 8% ON SEPT. 30,2009
*POSTBANK PROFITS IN '09-12 TO BE USED TO STRENGTHEN EQUITY BASE
*POSTBANK NET PROFITS FROM 2009-2012 TO BE FULLY USED FOR EQUITY

impatto sui ns. P?

 

[Mais78]

mark, vedo che ragioniamo allo stesso modo

Per le banche il problema e' quanto valgono realmente gli assets e quanto le liabilities e la rispettiva liquidita'. Se poi chiude un trimestre in utile o perdita vuol dire poco

aggiungo che una banca puo' chiudere artificialmente molti trimestri in utile prima che vengano a galla i problemi

 

[Topgun1976]

impatto sui ns. P?

Da Quello che ho capito niente dividendo fino al 2012

Postbank scraps dividend until 2013, cuts jobs

Wed Nov 25, 2009 10:46am EST

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* Postbank to use 2009-2012 profits to bolster capital
* Says to cut about 10 percent of staff by 2012
* Postbank shares up 1 percent

(Adds details, background)
By Edward Taylor
FRANKFURT, Nov 25 (Reuters) - Deutsche Postbank (DPBGn.DE) said it would cut jobs and won't pay a dividend until 2013 as it unveiled an aggressive restructuring plan to bolster its capital position.
Germany's largest retail bank by customers said on Wednesday it would cut staff by around 10 percent, or 2,130 jobs, to 19,000 by end 2012 compared with the end-2008 level.
It said it would make 28 million euros ($42.2 million) in restructuring provisions starting in the fourth quarter.
News of the restructuring programme sent shares 1 percent higher to about 24.08 euros, outperforming the DJ Stoxx banks index .SX7P which was 0.3 percent lower.
Postbank said it was "seeking to further strengthen its capitalization in light of the current discussion of the new regulatory requirements in the banking sector."
The bank said it would bolster it's capital position to about 10 percent by end 2012, from eight percent at the end of September.
Efforts to force banks to hold more capital are under way globally. The Financial Stability Board, which coordinates G20 policies, is expected to come forward with recommendations by October 2010.
Earlier this month, European Union finance ministers adopted a preliminary agreement to boost the cushion of assets banks are required to hold to offset potential losses. [ID: nLA648418]
Deutsche Postbank said it plans to use its profits in the fiscal years 2009 to 2012 to strengthen its equity base.



Onestamente questa non l 'ho capita

 

[bosmeld]

Meglio di prima sicuramente... immagina soltanto se il valore reale di quegli asset di qualità scadente fosse del 10% inferiore (a volare davvero bassi) rispetto al valore di carico... quali sarebbero le conseguenze sul discorso che fai sul core capital ...

Insomma, gioiellini ... uhmmm...

effettivamente ai perfettamente ragione


bisogna vedere i dettagli se li passano alla bad bank a 100-90-80 ecc.. ecc..

aspettiamo nuove news, però almeno è un inizio.

e vedere anche se ci saranno eventuali costi aggiuntivi ecc.. ecc..
ci tocca aspettare news...

pensandoci bene è probabile una maxi perdita per il conferimento asset...

ma è tutto da vedere la germania ho notato che fa un po come gli pare...





postbank italiano

Deutsche Postbank: raggiungera' target medio termine Roe dopo tasse al 13%
MILANO (MF-DJ)--Il Piano strategico di Deutsche Postbank rafforza l'obiettivo sul Roe e punta all'aumento graduale del Tier 1 ratio attraverso la ritenzione degli utili tra le altre cose. Inoltre, come riportato dalla societa' in un comunicato stampa, il piano dovrebbe spingere a rafforzare il posizionamento nel business retail nel lungo periodo. Nel farlo la societa' sta puntando ad assicurare un Roe operativo al netto delle imposte di medio termine del 13% anche in un diverso contesto competitivo, dopo che siano scomparsi gli effetti negativi della crisi finanziaria. Il piano strategico presentato oggi al consiglio di sorveglianza portera' a ridurre la complessita' amministrativa della banca con un taglio di circa il 5% nelle spese di gestione da realizzare entro il 2012. A questo scopo ci sara' una taglio dei dipendenti dai 21000 impiegati alla fine di quest'anno a 19000 alla fine del 2012 Postbank inoltre punta a rafforzare la sua capitalizzazione prevedendo di passare da un tier 1 dell8%, registrato a fine novembre, al 10% entro la fine del 2012. red/est/alc (END) Dow Jones Newswires

 

[raiffeisen Kasse]

Quindi niente cedole per le nostre Perpetuel?

Da Quello che ho capito niente dividendo fino al 2012

Postbank scraps dividend until 2013, cuts jobs

Wed Nov 25, 2009 10:46am EST

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| Reprints | Single Page
[-] Text [+]





* Postbank to use 2009-2012 profits to bolster capital
* Says to cut about 10 percent of staff by 2012
* Postbank shares up 1 percent

(Adds details, background)
By Edward Taylor
FRANKFURT, Nov 25 (Reuters) - Deutsche Postbank (DPBGn.DE) said it would cut jobs and won't pay a dividend until 2013 as it unveiled an aggressive restructuring plan to bolster its capital position.
Germany's largest retail bank by customers said on Wednesday it would cut staff by around 10 percent, or 2,130 jobs, to 19,000 by end 2012 compared with the end-2008 level.
It said it would make 28 million euros ($42.2 million) in restructuring provisions starting in the fourth quarter.
News of the restructuring programme sent shares 1 percent higher to about 24.08 euros, outperforming the DJ Stoxx banks index .SX7P which was 0.3 percent lower.
Postbank said it was "seeking to further strengthen its capitalization in light of the current discussion of the new regulatory requirements in the banking sector."
The bank said it would bolster it's capital position to about 10 percent by end 2012, from eight percent at the end of September.
Efforts to force banks to hold more capital are under way globally. The Financial Stability Board, which coordinates G20 policies, is expected to come forward with recommendations by October 2010.
Earlier this month, European Union finance ministers adopted a preliminary agreement to boost the cushion of assets banks are required to hold to offset potential losses. [ID: nLA648418]
Deutsche Postbank said it plans to use its profits in the fiscal years 2009 to 2012 to strengthen its equity base.



Onestamente questa non l 'ho capita

 

[acurefan]

Ciao Mais, infatti ...

Ciao mark, volevo chiederti quale piattaforma usi per le perpetuals che ti applica il 12,5% di capital gain?

Iwbank? Intesa? ed è stato automatica l'attivazione per poter comprare perpetuals? grazie mille e scusa della domanda che sicuramente è stata fatta gia altre centinaia di volte

 

[Zorba]

Da Quello che ho capito niente dividendo fino al 2012

Postbank scraps dividend until 2013, cuts jobs

Wed Nov 25, 2009 10:46am EST

Email | Print | Share
| Reprints | Single Page
[-] Text [+]





* Postbank to use 2009-2012 profits to bolster capital
* Says to cut about 10 percent of staff by 2012
* Postbank shares up 1 percent

(Adds details, background)
By Edward Taylor
FRANKFURT, Nov 25 (Reuters) - Deutsche Postbank (DPBGn.DE) said it would cut jobs and won't pay a dividend until 2013 as it unveiled an aggressive restructuring plan to bolster its capital position.
Germany's largest retail bank by customers said on Wednesday it would cut staff by around 10 percent, or 2,130 jobs, to 19,000 by end 2012 compared with the end-2008 level.
It said it would make 28 million euros ($42.2 million) in restructuring provisions starting in the fourth quarter.
News of the restructuring programme sent shares 1 percent higher to about 24.08 euros, outperforming the DJ Stoxx banks index .SX7P which was 0.3 percent lower.
Postbank said it was "seeking to further strengthen its capitalization in light of the current discussion of the new regulatory requirements in the banking sector."
The bank said it would bolster it's capital position to about 10 percent by end 2012, from eight percent at the end of September.
Efforts to force banks to hold more capital are under way globally. The Financial Stability Board, which coordinates G20 policies, is expected to come forward with recommendations by October 2010.
Earlier this month, European Union finance ministers adopted a preliminary agreement to boost the cushion of assets banks are required to hold to offset potential losses. [ID: nLA648418]
Deutsche Postbank said it plans to use its profits in the fiscal years 2009 to 2012 to strengthen its equity base.



Onestamente questa non l 'ho capita

E' molto criptica. Non credo che taglieranno il dividendo tout court per 3 anni. Sicuramente lo ridurranno.