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CET

Central Securities Corporation

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Mentions (24Hr)

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Reddit Posts

r/pennystocksSee Post

SyNBiotic - On the move (Germany's Cannabis/CBD leader)

r/pennystocksSee Post

LAES revenue increased 29% over FY 2022 and catalyst incoming next week

r/pennystocksSee Post

LAES nice catalyst incoming

r/stocksSee Post

Banks look good at this point, and EWBC in particular

r/wallstreetbetsSee Post

One year ago I turned 21 with $280'000, today I turn 22 with "only" $44'000. It was wild

r/stocksSee Post

Wells Fargo Earnings Discussion

r/stocksSee Post

JP Morgan Chase earnings report

r/wallstreetbetsSee Post

Diamond in the Rough- $USB making a comeback 💎

r/stocksSee Post

Value of the SP500 = bank-reserves x leverage ratio

r/wallstreetbetsSee Post

Capital One Financial Corp (COF): A Deep Dive into Potential Bearish Indicators

r/wallstreetbetsSee Post

PACW: Screwed or Not? A look at the numbers with help from Security Analysis (1934) (tldr $3.7 lots of risk)

r/wallstreetbetsSee Post

Discussion about US Bancorp capital ratios (5th largest bank in the us)

r/wallstreetbetsSee Post

PacWest Bancorp Announces Quarterly Dividends | Pacific Western Bank

r/stocksSee Post

How to research US banks?

r/wallstreetbetsSee Post

PacWest Bancorp ($PACW) Earnings Reports

r/StockMarketSee Post

$MOR Strong day here as volume is escalating..earnings of late was a home run..

r/optionsSee Post

Trading hours ???

r/investingSee Post

TD Bank & First Horizon Deal - Question about disclosure in Qtrly Statements

r/wallstreetbetsSee Post

AT1 to CET1 evaluation after Credit Suisse crisis

r/StockMarketSee Post

Newron Pharma News!!! 10 Bagger ahead!!!

r/wallstreetbetsSee Post

Insolvency fears of Credit suisse group and will it cause a financial crisis in the world?

r/wallstreetbetsSee Post

Adjusted CET1 capital ratio for unrealised losses

r/wallstreetbetsSee Post

Do not bet against SCHWAB. 2023 Credit Rating A

r/StockMarketSee Post

Newron Pharma: Watch Out!!

r/stocksSee Post

Why did ASML stock drop 5% between 13:30 and 14:40 CET (Amsterdam time)?

r/wallstreetbetsSee Post

I know its forex but I’ve bought USDCHF at 09:09 CET time for 0.93813. And my tp 0.94507 and sl at 50 EMA break. What did i’ve done wrong?

r/pennystocksSee Post

Banco di Desio (€BIT:BDB) The stock looks set to begin a long-term climb. Check a chart of 5 years.

r/wallstreetbetsSee Post

Democratising Conscious Leadership at Scale

r/investingSee Post

Investing in perpetual bonds is risky! Here's a write-up about how AT-1 bonds issued by an Indian bank are worthless even after intervention from the courts

r/wallstreetbetsSee Post

TBLI Talk: Forcing the issue: An ESG frontline practitioners’ perspective

r/wallstreetbetsSee Post

How I ended up making over 520K in two weeks.

r/wallstreetbetsSee Post

Credit Suisse CDS hit record high as shares tumble

r/wallstreetbetsSee Post

ECB hikes rates by 0.5%, higher than 0.25% expected.

r/pennystocksSee Post

Benchmark Increases Overall Gold Ounces by 44% and 77% in the Measured & Indicated Classification with Expanded Mineral Resource Estimate Further Derisking the Gold-Silver Project

r/wallstreetbetsSee Post

DAX plunges over 200 pts in premarket ahead of data

r/wallstreetbetsSee Post

DAX plunges over 350 pts as ECB warns of future rate hikes

r/wallstreetbetsSee Post

First UNIQG competition🚀🚀

r/wallstreetbetsSee Post

DAX up 1.4% at open as Davos week starts

r/stocksSee Post

European Stock Market Flash Crash This Morning

r/wallstreetbetsSee Post

Are you ready to unravel the Mysteries of Dataverse with Unmarshal Founder Manohar?

r/StockMarketSee Post

Deutsche Bank (DB.US) Q1 net profit hit a nine-year high, investment banking revenue increased by 7% year-on-year, is DB worth investing?

r/StockMarketSee Post

Hydrogen, solar, wind can generate a lot of energy. But where to storage these big amounts for long time?

r/investingSee Post

It runs! It’s a high that this stock is experiencing this year. At the moment, however, there is nothing to suggest that the title is overrated.

r/StockMarketSee Post

It runs! It’s a high that this stock is experiencing this year. At the moment, however, there is nothing to suggest that the title is overrated.

r/stocksSee Post

Bank of America beats EPS expectations by $.05/6%

r/pennystocksSee Post

news today that an downstream Australian graphite producer has listed on Frankfurt Stock Exchange is available to global investors. Graphite is set to be the hot battery material for 2022. The company is International Graphite (ASX: IG6; FSE: H99)

r/stocksSee Post

Pricing Bank of America

r/wallstreetbetsSee Post

Sberbank, Gazprom, and Lukoil websites are blocked. FINRA halts trading in $SBRCY, $OGZPY, and $LUKOY, seeks more information from companies following economic sanctions on Russia.

r/wallstreetbetsSee Post

The predicted market crash... Can it get any worse? well, yes!

r/wallstreetbetsSee Post

Pattern on polish coal company (WSE:JSW next 21st feb)

r/wallstreetbetsSee Post

Pattern on polish coal company (WSE, JSW.PL) on america free holidays (next 21st feb)

r/wallstreetbetsSee Post

in case you were curious about how frothy it's gonna get: Dodd-Frank Act Stress Test 2021: Supervisory Stress Test Results June 2021 - super duper. 💎🙌🏼

r/WallStreetbetsELITESee Post

We are being hosted for an AMA today at 14:00 in Delta Hub Capitals Discord! 🚀

r/wallstreetbetsSee Post

You can still buy Tom2 stocks at a low level before the launch of TomTom IndiGO tomorrow

r/wallstreetbetsSee Post

Yes retards. Stars, planets and rockets are aligning for a splitty split on 12/9

r/stocksSee Post

Nasdaq index changing even on weekend?

r/StockMarketSee Post

NEL ASA (Hydrogen) is back! 8:00 CET EARNINGS CALL -> 9:30 CET + 10,00 % 🌡

r/wallstreetbetsSee Post

NEL ASA (Hydrogen) is back! 8:00 CET EARNINGS CALL -> 9:30 CET + 10,00 % 🌡

r/wallstreetbetsSee Post

NEL ASA Earnings on Thursday 07:00 CET

r/wallstreetbetsSee Post

Why did Citadel give Melvin the money and not RobinHood?

r/stocksSee Post

Acacia Pharma byfavo being tested for children

r/pennystocksSee Post

Balmoral increases their offer for Petroteq to 0,83 eur, currently at 0,14. Decreases minimum amount to 550k. They want 100M shares

r/pennystocksSee Post

Petroteq (FRA:PQCF) (TSV:PQE) (OTCPK:PTOG) offer by Balmoral investment at 0,66 eur per share.

r/stocksSee Post

Federal Reserve Board announces the individual capital requirements for all large banks, effective on October 1

r/WallStreetbetsELITESee Post

⚡️Fanadise ($FAN)⚡️ Lunching Soon | HUGE PLAYER IN NFT | Staking | IDO | New BSC Gem | Fast growing comminity

r/WallstreetbetsnewSee Post

Neovacs

r/pennystocksSee Post

Steinhoff International - DD

r/StockMarketSee Post

LYG - Additional Dividend Opportunity in 2021.

r/stocksSee Post

LYG - Additional Dividend Opportunity in 2021.

r/wallstreetbetsSee Post

Just had an email from DEGIRO on how to vote there. Sharing it with you apes.

r/wallstreetbetsSee Post

Very odd low sell-orders in Pre-Market

r/WallStreetbetsELITESee Post

Atari® Partners with ICICB Group and Grants Licensing Rights to Build Atari Hotels in Dubai, Gibraltar, and Spain

r/pennystocksSee Post

Sustainable Farming Innovator Solectrac Delivers E-Tractor to First Hawaii Customer

r/stocksSee Post

Closed end funds (NAV discount)

r/wallstreetbetsSee Post

How to Get Fee Discount(30% off) at Coinex?

r/pennystocksSee Post

Starbreeze + Koch = Payday 3

Mentions

14:15 CET

Mentions:#CET

One graph is in percent, the other in value. Also possibly scaling shenanigans. Also time zone difference because one is an index of US companies (EST) other a EU ETF (CET).

Mentions:#EU#CET

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Mentions:#CET#LINK

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Mentions:#CET#LINK

BioSenic Presents Successful Preclinical Data on Its ATO Drugs for Controlling Key Symptoms at the Systemic Sclerosis World Congress 2024 March 20, 2024 07:00 CET Preclinical data in a transgenic mouse model demonstrate beneficial effects on several clinical symptoms analogous to those observed in human systemic sclerosis. Findings may further support the future clinical program. Read more at: https://www.beursforum.be/viewtopic.php?p=67403#p67403

Mentions:#ATO#CET

The ones I own are ADX (ER 0.62%): 13.82% annual total-return over 10 years, with a 6.81% distribution yield. I have had this fund since the 1990s. CET (ER 0.55%) GAM (ER 1.38% --this one is a bit high. I may unload it) TY (ER 0.46%) PEO (ER 0.64%) I also have some Nuveen bond CEFs some leverage bond CEFs have very high ERs --I would stay away from those. But there are lots of good options they do take more research for sure

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Mentions:#CET#LINK

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Mentions:#CET#LINK

Buying NVIDIA calls at 09:00 CET (03:00 EST) was a dumb mistake........20% of my profits already out the window and more to follow

Mentions:#CET

It is slowly going up rn CET

Mentions:#CET

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Mentions:#CET#LINK

The global launch of the INCB annual report will be live streamed on U.N. WEB TV beginning at 5AM EST, 11AM CET tomorrow March 5. In part, The International Narcotics Control Board (INCB) 2023 Annual Report analyses the global availability of narcotic drugs and psychotropic substances for medical and scientific purposes and highlights the persistent disparities in access to medicines for the treatment of pain. https://www.incb.org/incb/en/news/press-releases/2024/media-advisory---global-launch-of-the-incb-annual-report-2023.html Last year the report included an 18 page report on the status of medical marijuana. Hopefully they will expand on that tomorrow.

Mentions:#CET

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Mentions:#CET#LINK

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Mentions:#CET#LINK

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Mentions:#CET#LINK

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Mentions:#CET#LINK

Now German vote 25min later: [https://www.bundestag.de/tagesordnung](https://www.bundestag.de/tagesordnung) 13:35 CET

Mentions:#CET

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Mentions:#CET#LINK

>The U.S. government is giving chip maker GlobalFoundries $1.5 billion in grants to build and expand facilities in New York and Vermont, the first major award in a program that aims to reinvigorate domestic chip production. GlobalFoundries is currently (14:43 CET) up 7.72% in pre market

Mentions:#CET

NYCB bull Good evening gentlemen, NYCB thesis: \- The credit market will do the feds work this year, as rates taper the valuation on multifamily and office will increase (as cap rates reduce) decreasing LTVs and risk. \- Bullish on multifamily portfolio despite rent regulation. High occupancy multifamily portfolio (95%+)in supply constrained area with embedded value due to rent reversion, similar as seen in German market. This makes multifamily a typical acquisition for private credit/pension funds wanting 4.5% yield + 2% p.a growth to match liabilities. \- 95% of deposits are now insured. - The offices defaults are going to be run through the p&l. 4.7% average coupon isn’t too bad for these office owners. There are instances where it makes more sense for asset owners to default, 38% of loans are “criticized loans”. 61% avg LTV at current valuations is not obscene. \- From my understanding of the private markets, when dealing with asset valuers with PE and asset owners, it’s in no one’s interest to mark down values severely and valuers tend to smooth the valuation using future rate expectations. It may seem extremely frustrating if you are on the other side of the trade when valuers collude with banks and asset owners. - around $300m avg office loan expiries p.a for next five years. \- dividend cut preserved a lot of cash, with $17.5bn cash target for year end and 10%+ CET1 ratio (taking them from 8th in peer group to third), $12.5bn and counting as of now. - 30% of deposits are non interest bearing, 2.8% cost on all deposits. I believe the bank and asset values will benefit from Signature and Flagstars deposits. Risk (LTV) will reduce as asset values reprice from lower inflation and rates. Current chairman turned around Flagstar and I am bullish on warehouse lending as e-com penetration continues. $5.33 avg price. https://preview.redd.it/pyhjarg0cxic1.jpeg?width=1164&format=pjpg&auto=webp&s=145a639bc6e5f7c5e179070b7afb2012d9b6ce5d Pray for me friends, I hope this doesn’t age like milk.

Mentions:#NYCB#CET

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Mentions:#CET#LINK

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Mentions:#CET#LINK

It's 10 am EST i think I've read which is 16:00 CET for me..

Mentions:#CET
r/wallstreetbetsSee Comment

OTC… L&S trades (all in CET): Mo-Fr 7:30-23:00, Sa 10:00-13:00 and Su 17:00-19:00

Mentions:#CET
r/wallstreetbetsSee Comment

**0.0836+0.0021** **(+2.5767%)**At close: 05:36PM CET Is there a reason why they're about to go bankrupt?

Mentions:#CET
r/stocksSee Comment

A pan-EU exchange would be nice to have, certainly. However I'm pretty sure it's not a PITA to trade across these exchanges since what matters most is the stocks you're willing to buy/sell and the fees associated with those. Also regular trading hours tend to be similar for the exchanges located in CET so that should not really be a problem either. I can imagine active traders might have a more difficult time, but for the rest of the folks it's not too bad, no?

Mentions:#EU#CET
r/investingSee Comment

Hard to say. In low interest rate environment, bank profits are limited. In high interest environment, the fear of default and recession looms. Here is what I wrote (to myself) on jpm: The last year of high interests rates resulted in higher NII (net interest income) so the EPS of 2023 is higher than 2024 as interests recede and things normalize. As a result, the growth rates for the next 3-5 years varies greatly, from -1% ( SA) to 1.5% (Valueline) to 3% (Yahoo finance). Besides NII normlization issues, the other risks are: — CET1 Base iii endgame, this new banking requirement for banks to shore up additional reserves could add 25% more reserves. This will mean, that banks will have to write less loans, impacting revenue. — Recession risks, in a recession, more reserves will be required, this will impact profitability, then business will be conservative and not borrow money, reducing bank revenues. — JPM boss says he is gonna sell his JPM shares in 2024.

Mentions:#SA#CET#JPM
r/wallstreetbetsSee Comment

I am focused on Banco Desio €BDB.MI or [€BDB.IM](http://xn--bdb-j50a.im/) for Bloomberg Profit 9 months: 226 mln Capitalization: 511 mln. CET1: 16,8% Check on bloomberg.

Mentions:#CET
r/investingSee Comment

How we should measure the Bull case company is that a $7B market cap company SOFI got its bank license last year. In this same period it makes up 4% of all new checking accounts in America. Wells Fargo a $156B market cap company now only represents 3.5%. SOFI gives its customers a higher APY, a better platform than every big bank in America. All at the same time when the balance sheet is more furnished it will not have brick and mortar cost they eat up most of traditional bank profits. In the event that SOFI continues to take market share and does take market share it will be a 150B dollar bank and you will have missed over “profits” in its growing years. The bear case is very simple: SOFI holds a lot of risk in risky assets and in the event the banking environment gets worst their defaults will go higher. And unlike traditional banks SOFI doesn’t account for an allowance of defaults because it marks its loans at fair value. So although it doesn’t hold the risk that the smaller banks hold (fleeting deposits putting pressure on CET ratios and having to sell bonds that were marked at much lower rates for losses) its burden with the chance we go through a hard recession and didn’t account for an allowance of defaults. There’s also a chance that their loans get marked down on their balance sheet cause rates go higher (but when rates fall they will be sitting on gold as their loans originated after the rate increases).

Mentions:#SOFI#CET
r/stocksSee Comment

Which, really, if that happens, your dollars are no longer worth anything anyway. In Q2 2023, Citi reported $2.4T in assets. Nominally, Lehman was $600B when it went under. Their CET1 capital ratio was 13.3% as of Q2, and they passed the Fed’s rather serious stress test along with the other GSIBs. I really am unsure of why so much risk is being priced into their shares? Their loan book is $600B, the magic BTFP that the Fed conjured up in a weekend ran to 1/6th of that whole total, so unless a full 20% of their loans are bad, how do they go to zero?

Mentions:#CET
r/wallstreetbetsSee Comment

CFD he sounds a euro since he’s using CET

Mentions:#CET
r/wallstreetbetsSee Comment

HBAN disclosures at the Barclay's Conference: Annual Deposit growth unchanged at 2-3%, Deposit beta at 40%. Capital ratios CET1 at 9%, looking for 10%. HBAN credit quality still performing well. Net charge off 20-30bps, still at low end of range. NIM expected to increase through the end of the year. Fixed collars hedging working well. Expense management controls driving better efficiency. Projected up 2-3% full year. Full year guidance on loan growth, fee revenues, unchanged.

Mentions:#HBAN#CET#NIM
r/wallstreetbetsSee Comment

But here is one for ya!!!!!! PEPE2 will have significant movement later today US CET because of certain capital movements by ca. 25 smaller Japanese equity firms trying to up turn the market price.

Mentions:#CET
r/StockMarketSee Comment

Very nice ER. Management seems to be on top of the situation. They managed to achieve a 10% CET1 ratio, and balance sheet repositioning is well underway. The only thing that leaves me nervous is the allowance for loan losses at 0.67%, or 0.94% adjusted, which seems a bit low. In any case, I don't see this going back to the low 30s, which is where my cost basis is.

Mentions:#CET
r/stocksSee Comment

Profit margins fell 5% in Q1, Jeremy Grantam uses profit margin and inflation to give the trend, now both are negative for stocks. anyway, As you talk of liquidity, do you agree with this? if money is based on central bank reserves held by commercial banks (liquidity) and G-sibs have a x14.3 leverage ratio\*, can one say that the maximum value of the economy or SP500 is reserves times this leverage? Currently banks have 3.175T of these reserves\*\*, but; •QT cancels some 80bn reserves each month\*\*\* •Tax income in September usually drains 200bn of reserves temporarily\*\*\*\* These two together would remove 460bn by end October, putting bank's reserves at 2.6T. Multiplied by 14.3 this makes 37T which was the current value of the SP500 at the end of June when it stood at 4450\*\*\*\*\* Will stocks trade sideways until this valuation ceiling is hit? When the SP500 hit this ceiling in August 2019, markets ceased to function until Fed intervened. \* "\[G-SIB\] CET1 risk-based capital requirements defined as a 4.5% minimum requirement + a 2.5% capital conservation buffer" https://www.bis.org/basel\_framework/chapter/LEV/40.htm?inforce=20220101&published=20191215 \*\*Reserves held by commercial banks https://fred.stlouisfed.org/series/WLODLL \*\*\*(SOMA holdings are down 850bn since May '22. https://www.federalreserve.gov/releases/h41/default.htm) \*\*\*\*Treasury general account: https://fred.stlouisfed.org/series/WTREGEN \*\*\*\*\*https://ycharts.com/indicators/sp\_500\_market\_cap

Mentions:#CET#LEV
r/wallstreetbetsSee Comment

I know the canadian economy is smaller than the US amd your dollar is worth more than our monopoly money but betting against canadian banks is full-on regarded. You have to understand that these banks are the backbone of the entire canadian economy, along with the BOC. There are 30 domestic banks in Canada compared to 7000 in the US, 5-6 of which make up the large majority of the business. With this oligopoly there is little variation/fewer choices and less financial risk-taking/innovation, each of them have a vested interest in the others success as one falling will have terrible consequences for the others. Plus with fewer banks makes it easier to monitor and scrutinize, as opposed to only looking at those with over 250B caps. They are better capitalized than their US counterparts (look at CET1 ratios), if you read the recent financials its apparent that they are more than adequately preparing for a shit storm. Betting against entities that never missed a dividend and have existed longer than warren buffett x2 is like betting that the sun wont rise in the morning, which im sure some of you would do.

Mentions:#BOC#CET
r/investingSee Comment

Both Keycorp and Com still have a risk of run due to their lack of liquidity as shown by their amount of losses based on CET1 capital, and the amount of depositors over the FDIC limit. Pretty much every other bank is within normal levels, including PACW and WAL.

Mentions:#CET#PACW#WAL
r/investingSee Comment

Both Keycorp and Com still have a risk of run due to their lack of liquidity as shown by their amount of losses based on CET1 capital, and the amount of depositors over the FDIC limit. Pretty much every other bank is within normal levels, including PACW and WAL.

Mentions:#CET#PACW#WAL
r/wallstreetbetsSee Comment

I finally found the HTM section of FRC's 10K last night (the first PDF I had wasn't text searchable). It puts them at about 35% losses in Q1 assuming the HTM amount and loss didn't change. It's not great but CMA / ZION / TFC / KEY / PACW are all in the same region and aren't dead yet. It's really the uninsured depositor % and liquidity coverage for those depositors that matters, and how easily scared out they are. The AOCI to CET1 ratio (or AOCI to CET1 minus AOCI used in some places) identifies some weakness but not the main risk. I need to look more closely into CMA / ZION. Zion has close ties to the (extremely wealthy) Mormon church so I don't see them failing despite the high AOCI loss ratio and 55% uninsured - although that doesn't mean the share price won't go down. I think preferred shares are a reasonable choice. I looked at PACW common's upside in another post and by my estimate it's only around $8 unless a huge amount of depositors come back. The common dividend will probably take a long time to restore. I have a mix of WAL / PACW preferred, common, and options (CSP / CC).

r/wallstreetbetsSee Comment

I’m a big fan of USB. They got beat up because they’re CER1 ratio fell from 9.7% to 8.5% in the fourth quarter of 2022. This was because of their purchase of Union Bank. Those branches are currently being converted to USB branches with a bunch happening next weekend (Memorial Day). This will expand their capital base and increase their CET1 ratio. They’ve already said that they’ll be back over 9% by Q4 of this year. I also believe that they’re currently adding deposits from other banks since they’re the 5th largest bank in the country and been labeled a systematically important bank and are to big to fail. Those are just my thoughts and opinions.

Mentions:#USB#CET
r/wallstreetbetsSee Comment

I read a painful amount of 10Qs for this. Some notes on the values: * Fuck press releases and investor summaries, they have the propaganda numbers. The SEC filings are much more detailed and honest. * I generally calculated unrealized losses as AOCI / CET1 capital. My Q4 values don't exactly line up with the original chart so I think Burry was probably including some other things. Some of the 10Qs were difficult to find the unrealized losses or uninsured depositor percentage in (or omitted altogether). * WAL / PACW are more recent as they released some values since May 3, most are Q1 (Mar31) values except for the banks that didn't make it that far * For EWBC I combined AFS and HTM unrealized losses * Zion didn't mention their uninsured % so I had to trust an article * For Keybank I used unrealized losses for AOCI * For RF I used stockholder equity as the CET1 value * For SoFi I used the holding co values * For SI I couldn't find the uninsured value so assumed 90% * FRC's AOCI values are really low, like consistently only -300M against 14.5B CET1. I couldn't find where they where hiding the rest of the losses on their balance sheet. * SIVB is so comically and tragically bad I excluded it so the chart would be better scaled to everything else. In my opinion this chart isn't actually that good for seeing the health of the banks. I think uninsured deposits % vs immediate liquidity as a % of uninsured deposits would give a much better idea of how many people are ready to bolt for the exits and how much it will affect the bank when it happens. My impression from all those 10Qs is that the banks were scared shitless by March (good) and have been improving liquidity, slowly reducing their unrealized losses, and started to look forward at how to deal with other risks like credit downgrades and further hikes, in addition to their existing asset-liability term mismatches. Many of them had significant reductions in uninsured depositor % too, so the most skittish uninsured depositors are already out. I think a lot of them are fairly priced given the circumstances and will be flat / slowly up for a while with occasional 5-15% dips on bad news with recovery over a few days. The ones with bigger drops like WAL still have some decent upside to them, especially on a dip. I am net long PACW / WAL.

r/wallstreetbetsSee Comment

I read a painful amount of 10Qs for this. Some notes on the values: * I generally calculated unrealized losses as AOCI / CET1 capital. My Q4 values don't exactly line up with the original chart so I think Burry was probably including some other things. Some of the 10Qs were difficult to find the unrealized losses or uninsured depositor percentage in (or omitted altogether). * WAL / PACW are more recent as they released some values since May 3, most are Q1 (Mar31) values except for the banks that didn't make it that far * For EWBC I combined AFS and HTM unrealized losses * Zion didn't mention their uninsured % so I had to trust an article * For Keybank I used unrealized losses for AOCI * For RF I used stockholder equity as the CET1 value * For SoFi I used the holding co values * For SI I couldn't find the uninsured value so assumed 90% * FRC's AOCI values are really low, like consistently only -300M against 14.5B CET1. I couldn't find where they where hiding the rest of the losses on their balance sheet. * SIVB is so comically and tragically bad I excluded it so the chart would be better scaled to everything else. In my opinion this chart isn't actually that good for seeing the health of the banks. I think uninsured deposits % vs immediate liquidity as a % of uninsured deposits would give a much better idea of how many people are ready to bolt for the exits and how much it will affect the bank when it happens.

r/investingSee Comment

They are very different. In 08, there were mortgage crisis due to bad credits thus created toxic assets. People were unaware of preserving savings or de risk by reducing their exposure to risky assets. Of course, it wasn’t so accessible to media compared to now with advanced social media. Plus, the big banks were not as resilient as now since they had worse balance sheets with lower CET1 and bad loans. We have seen a Covid and bank failures now. Former has created the awareness and the large companies have already taken actions with larger cash on hand, higher layoffs, reducing debts etc. People are always be very careful on purchasing houses and cars. Latter pushed it further and now the companies have delayed their expansion, even more layoffs, less risk investments to boost the operating margins. People are always extra conservative about their decisions on all investments. I would say the latest issue which was outflow from banks and investment firms wasn’t too concerning to me. Ya u will see lower AUM, more monopolies or FUD but like Peter Lynch said in his last interview:”This is the most expected, predicted recession.”

Mentions:#CET
r/stocksSee Comment

You are confusing solvency (which is measured by metrics such as CET1 ratios, which are by and large extremely strong by historical standards) and liquidity (for which banks used to rely on reserves, but now there are other methods for ensuring this, so reserve requirements are not required). Higher reserve requirements would hurt banks, as it would decrease their returns on assets.

Mentions:#CET
r/wallstreetbetsSee Comment

Here’s an inverse summary of a statement made by PAC from Chatgpt that I sent my bro a little over a week ago. PacWest Bancorp has not provided an update on its strategic actions and recent developments. The planned sale of the $2.7 billion Lender Finance loan portfolio is not on track and is not expected to accelerate the company's CET1 capital ratio to over 10%. The company is not reviewing strategic options and has not been approached by potential partners and investors. PacWest has experienced significant deposit outflows following the sale of First Republic Bank, with core customer deposits decreasing since March 31, 2023. The company has not been executing a new strategic plan designed to maximize shareholder value by focusing on strengthening its community bank focus, growing its HOA business, exiting non-core products, and improving operational efficiency.

Mentions:#PAC#CET
r/wallstreetbetsSee Comment

I think they will still hold treasuries because of how CET ratio is calculated.

Mentions:#CET
r/stocksSee Comment

FRC lost >50% of deposits, PACW is down what, 10%? And the CET1 remains completely fine? The FDIC cannot seize them. There would have to be another run.

Mentions:#FRC#PACW#CET
r/wallstreetbetsSee Comment

They did not cut the dividend on the prefered stock, where i am getting now a 24% yield!!! Also the were transparent why they are cutting the common dividend: “Given current economic uncertainty, recent volatility in the banking sector and potential changes in regulatory capital requirements, we view reducing the dividend as a prudent step to accelerate our plans to build capital to CET1 of 10%+. " As a good Management they have to focus on long term value, which they do, given the current sentiment, with increasing their liquidity even more. If, however they would have been on the verge of insolvency they would have cut both dividends. So the dmall dividend for common shares and the high dividend for prefered is a very strong sign imo.

Mentions:#CET
r/investingSee Comment

They lost more deposits - peaking at 20%, compared to WAL's 13%, and they remain down about 1.5x as much as WAL (though both have recovered some deposits). They have proportionally larger losses on securities. They have a slightly lower CET1, and if you subtract unrealised security losses the gap increases (with PACW being around 6% while WAL would be just under 8%). None of it is catastrophic though, and deposits are stable. Only other thing worth mentioning is management mentioned talks with potential buyers. That could just mean a regular acquisition where shareholders get bought out at a premium, or it could mean the situation is worse than the figures show and they may need to be absorbed and the common wiped out. I can't see from the numbers why that would be the case but the tone of the press release was not super reassuring.

Mentions:#WAL#CET#PACW
r/wallstreetbetsSee Comment

## PACW Declares Dividend! My prefs are going to FLY ## PacWest Bancorp Announces Quarterly Dividends Company Release - 05/05/2023 **LOS ANGELES, May 05, 2023 (GLOBE NEWSWIRE) -- PacWest Bancorp (Nasdaq: PACW) announced today that on May 3, 2023, its Board of Directors declared a quarterly cash dividend of $0.01 per common share. The cash dividend is payable on May 31, 2023 to stockholders of record at the close of business on May 15, 2023.** **On May 3, 2023, the Board of Directors also declared a quarterly cash dividend of $0.4845 per depositary share on its 7.75% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A. The dividend will be payable June 1, 2023 to stockholders of record as of May 15, 2023. The Series A depositary shares are traded on the Nasdaq Stock Exchange under the “PACWP” symbol.** **Paul Taylor, President and CEO, commented, “Given current economic uncertainty, recent volatility in the banking sector and potential changes in regulatory capital requirements, we view reducing the dividend as a prudent step to accelerate our plans to build capital to CET1 of 10%+. Our business remains fundamentally sound, and we will continue with our strategy to focus on our relationship-based community banking model.”** **As noted in our press release on April 25, 2023, our first quarter adjusted earnings excluding goodwill impairment and reorganization costs were $89.4 million, or $0.66 per diluted share. Consistent with past practice, dividend decisions are made by the Board of Directors on a quarterly basis based on the results of operations, current business conditions and the economic outlook.** **ABOUT PACWEST BANCORP** **PacWest Bancorp (“PacWest”) is a bank holding company headquartered in Los Angeles, California, with an executive office in Denver, Colorado, with one wholly-owned banking subsidiary, Pacific Western Bank (the “Bank”). Pacific Western Bank is a relationship-based community bank focused on providing business banking and treasury management services to small, middle-market, and venture-backed businesses. The Bank offers a broad range of loan and lease and deposit products and services through full-service branches throughout California and in Durham, North Carolina and Denver, Colorado, and loan production offices around the country. For more information about PacWest Bancorp or Pacific Western Bank, visit** [**www.pacwest.com**](https://www.globenewswire.com/Tracker?data=9ZywL7Y70XOSLREFub10slOrGVj8XC9gr2Pfzp1lJUQozN3EWBRlSd2OjBR6RLrGM9JgMmaKVWBk7FSRbaqgAw==)**.** **CONTACTS** **Kevin L. Thompson** Executive Vice President, Chief Financial Officer 303.802.8934 **William J. Black** Executive Vice President, Strategy and Corporate Development 919.597.7466

r/wallstreetbetsSee Comment

Official full source: https://www.pacwestbancorp.com/news-market-data/news/news-details/2023/PacWest-Bancorp-Announces-Quarterly-Dividends-c1460fd7b/default.aspx Preferred shares are getting paid out at $0.4845 that is more normal. Dividend cut is stated to meet their CET1 of 10%. Their update the previous Wednesday morning mentioned that target for next quarter so it isn't that bearish if this quarter's cut helps them hit that target: https://www.pacwestbancorp.com/news-market-data/news/news-details/2023/Pacific-Western-Bank-Issues-Update/default.aspx Who knows how the market will react. Puts IV was pricing in bankruptcy that looks less likely with them paying out money to preferred shares and the token penny dividend for commons. At the same time, dividend cuts are never positive news.

Mentions:#CET
r/wallstreetbetsSee Comment

But their CET1 was only liquid because they maxed out their lending access to the FHLB on 19/19b. They were already eating into the discount window funds as well in Q1

Mentions:#CET#FHLB
r/wallstreetbetsSee Comment

That’s what CET1 is for

Mentions:#CET
r/optionsSee Comment

1) they are expensive as its the hot trade. 2) bank shares are cheap. Not without a reason. Stick to mid cap regional with narrow/wide moat or TBTF banks. Risk of small banks is quite high 3) go for leaps of bank stocks with CET1 capital higher than 9 above 10 if preferrably (MtM). 4) if the bank is executing and/or repurchasing shares is also a good counter against shorts. (Buyback money works better with a cheaper stock which in long run improves financial metrics and keeps shorts away unless its suspended due to regulatory mandates) 5) avoid bank stocks with a strong concentration in a portfolio asset (see pacw) or long duration. Asset liability mismatch problems have been shown and I think this was a good wake up call for banks to prepare for a recession. At least balance sheet will be improved. 6) monitor duration of bonds and cash separated for bad loans. Those will hit earnings (extension risk and bad credit)

Mentions:#CET
r/investingSee Comment

I believe BoA has an abnormally high level of AOCI (loss) on securities. Saw an infograph produced by another bank which put their CET1 around 4-5% if you were to subtract those losses.

Mentions:#CET
r/wallstreetbetsSee Comment

SVB’s CET ratio was like 12 when they tried raising capital. I think their target was 15. They were not as bad off as you’re making them out to be. Their drawdown in deposits was absurdly rapid. I wasn’t expecting this last rate hike given the pressure on banking in general. Like you said, some big banks are really not looking healthy and that scares me.

Mentions:#CET
r/investingSee Comment

I honestly don’t know enough about WAL or PACW, haven’t done the digging in those, but I think a sector scare is a good analysis. Looking on WeBull, there hasn’t even been a ton of outflows (although that is only one broker). Maybe exposure to other regionals such as through equities reducing capital. I do know though that a lot of the other regionals, like FRC had significant liquidity and capital issues, and people were trying to pump that up plenty here, even though it had 111% loan to deposit ratio, 50% unrealized losses of CET1 capital, and over 80% of depositors over the 250K threshold limit, yet many on this sub were claiming it was a “great bank”.

Mentions:#WAL#PACW#CET
r/wallstreetbetsSee Comment

Isn't it the opposite? The median bank has 30% of its CET1 capital in unrealized losses, 60% of deposits above $250K

Mentions:#CET
r/stocksSee Comment

USB has a CET1 of 8.5% which is absolutely trash. And that's before AOCI. At some point soon, they are going to be a category 2 bank and will need cut the dividends and buyback, and possibly do a capital raise. Management thinks rising earnings will save them before it gets to that point. Lmao, okay. Its a trash bank and my outs are going to keep printing while marks keep mindlessly buying on the way down. Sure, it's likely not going to zero, but that doesn't make jt a good investment.

Mentions:#USB#CET
r/stocksSee Comment

USB has. CET1 of 8.5% which is absolutely trash. And that's before AOCI. At some point soon, they are going to be a category 2 bank and will need cut the dividends and buyback, and possibly do a capital raise. Management thinks rising earnings will save them before it gets to that point. Lmao, okay. Its a trash bank and my outs are going to keep printing while marks keep mindlessly buying on the way down. Sure, it's likely not going to zero, but that doesn't make jt a good investment.

Mentions:#USB#CET
r/stocksSee Comment

That's true but extremely misleading. Most banks are actually decently capitalized enough that if depositors withdrew they could pay everyone out at a massive loss. Enough to destroy the business but depositors would be made whole. SVB and FRC were actual solvency issues. Their CET1 ratios were already under stress if they had to sell their loans.

Mentions:#FRC#CET
r/wallstreetbetsSee Comment

Has a CET1 ratio comparable to the largest banks in the country. 9.22% ​ [https://www.statista.com/statistics/1097633/cet1-ratio-large-banks-usa/](https://www.statista.com/statistics/1097633/cet1-ratio-large-banks-usa/)

Mentions:#CET
r/wallstreetbetsSee Comment

If First Republic has about $140b in risk weighted assets, this would mean they can absorb losses of approximately $6.748 billion before breaching the 4.5% CET1 ratio requirement…. So at a projected loss of $400m a qtr that would mean about a year and a half run way before a tier 1 breach… https://ir.firstrepublic.com/static-files/6da19021-2f8a-4752-812a-a615b6e4d063

Mentions:#CET
r/wallstreetbetsSee Comment

Based on the provided information from the conference call, to recap, the minimum capital ratio requirements for banks under FDIC are: The bank's capital ratios are as follows: Tier 1 leverage ratio: 8.25% (This ratio is not a FDIC capital adequacy ratio; it's a supplementary measure of capital that compares Tier 1 capital to a bank's average total consolidated assets. It serves as a backstop to the risk-based capital ratios and ensures that a bank maintains a minimum amount of capital relative to its total assets.) Common Equity Tier 1 (CET1) ratio: 9.32% (Above the minimum requirement of 4.5%) Total risk-based capital ratio: 12.71% (Above the minimum requirement of 8.0%) The minimums before the Feds get involved are: Common Equity Tier 1 (CET1) ratio: 4.5% Tier 1 capital ratio: 6.0% Total capital ratio: 8.0%

Mentions:#CET
r/stocksSee Comment

USB is getting reallllly close to that COVID low. Their CET1 is absolute shit @8.5% and its going to get a whole lot worse when they become a category 2 bank. Management is over here talking about buy backs and issuing a ridiculously high dividend at the same time they are about to be desperate for additional capital.

Mentions:#USB#CET
r/wallstreetbetsSee Comment

But the Exchange has not been open since earnings report came out? Got it 22:30 last night CET, where NYSE is closed. How did you define that the selloff stopped at 12.5?

Mentions:#CET
r/wallstreetbetsSee Comment

First Republic Q1 23 Earnings $FRC Revenue $1.209 bln vs. estimate $1.148 bln EPS $1.23 vs. Estimate $0.85 Deposits at end-period $104.47 bln, EST. $136.67 bln. Cutting workforce by about 20%-25% in 2Q. Net interest income $923 mln, EST. $889.9 mln. Net interest margin 1.77%, EST. 1.8% . Loans at end-period $173.31 bln, EST. $168.31 bln. CET1 Ratio 9.32%, Est. 8.84%.

Mentions:#FRC#CET
r/investingSee Comment

Their CET1 ratio is 14.2%, it's a slightly below average CET1 ratio but it's not ''awful''. The minimum required CET1 ratio for a category II bank is 12% in Europe and Switzerland. What specific requirements do you say would make them become ''absolutely fucked''?

Mentions:#CET
r/investingSee Comment

Their CET1 ratio is awful and if they were ever regulated as a Category II bank, they would be absolutely fucked. Given that they are the largest non-category II bank in the county, that is a very real risk. What's going to happen to that huge dividend they issue when are forced to scramble for more HQLA?

Mentions:#CET
r/optionsSee Comment

Wondering, If the e.g. CET1 below GSB wouldn't have to be hiked as many are at 7 or only slightly above and CS' chair repeatedly pointed out theirs at 14.1 on Bloomberg and high LCR, too. If so, that'd need quite some time and equity has become very expensive, wondering about alternatively some junior unsecured bonds which might be bail-in instruments and their costs and market, if even applicable for the U.S. as I focus more on european banks. Meaning, that growing sentiment as if SVB, SBNY and that winded down crypto Bank and CS would only or mainly have been idiosyncratic seems still a bit premature to me and the market with ultra low breadth reminding me of early 2000 and those very high PE's seems significantly overvalued to me. If Europe would enforce a local european banking union where all depositiors would be protected that'd sound like significantly increased moral hazard to me. https://youtu.be/3TuHS3t9f7k @ 04:04 min: CET1 of Top 15

Mentions:#CET#CS#LCR
r/wallstreetbetsSee Comment

I expect news tomorrow around 18h CET! Still time if you are from murica.

Mentions:#CET
r/wallstreetbetsSee Comment

>EASTBOUND YAMAL-EUROPE GAS PIPELINE FLOWS AT MALLNOW EXIT POINT ROSE TO 803,360 KWH/H BETWEEN 0300-0400 CET -GASCADE DATA ^First ^Squawk ^[@FirstSquawk](http://twitter.com/FirstSquawk) ^at ^2023-04-09 ^22:24:40 ^EDT-0400

Mentions:#ROSE#CET
r/investingSee Comment

It is not run conservatively, their CET1 is below the minimum threshold if you deduct AOCI. That was the same method short sellers used to identify SVB

Mentions:#CET
r/wallstreetbetsSee Comment

You still got c.85% of your capital you can save by closing this trade. Just take your loss and get out before you get nothing! FRC is going down. The treasury secretary already said they won't extend the deposit insurance to all banks and only do that on a case by case basis as they did for SVB after it failed. Your options if you hold from here are 3: 1. The shares keep going down until the bank's equity run out and the FDIC takes over - which means you get zero cents! 2. The shares keep falling down and FRC becomes so cheap that another big bank decides to purchase it for pennies (a similar case to Credit Suisse) - where you get pennies! 3. A miracle happens where interest rates fall and the bank's liabilities falls which puts the bank in a much better CET1 position - seems very unlikely given the high prevailing inflation. Even if that was to happen, FRC has lost public trust and deposits are likely to continue flowing out. So even if it survives, it won't reach the previous price levels anytime soon. Best of luck!

Mentions:#FRC#CET
r/investingSee Comment

Because you have a long time horizon, I would suggest looking at the Closed-End-Funds (CEFs) with good distribution yields, low expense ratios, and good track-records. ADX: Adams Diversified Equity Fund 12% average annual return in last 10 years 7% current distribution yield (this can go up and down) 0.56% expense ratio has never missed a distribution payment since 1929 Others to look at would be: TY, GAM, CET, and USA Note: you would not dollar-cost average these, or reinvest dividends/distributions. You would put a lump sum in there, and maybe buy some additional shares once a year in the ETF world, SCHD is an excellent option Index funds are fine, but they can perform very badly in long-term, secular bear markets, like the period 2000-2012. Since you have a long time horizon, that shouldn't be a big issue

r/stocksSee Comment

I don’t think it’s too late to buy First Citizens even after the run up. They essentially got $16.5bn in tangible net equity for nothing. Deal is structured with downside protection from FDIC over 7 years. FDIC is also plugging hole on funding for the loan book. It is stand alone accretive to CET1 capital. This deal more than doubled First Citizens lending portfolio and probably earnings as well. Etc etc Point is, First Citizens doubled in size and got paid doing it. Shares should go a lot higher from here.

Mentions:#CET
r/StockMarketSee Comment

You’re exactly right. The CET1 capital requirements lack the ability to oversee a separate securities portfolio that could have lethal consequences of asset values decrease

Mentions:#CET
r/wallstreetbetsSee Comment

**I am not an expert and this is not financial advice.** A report on First Republic Bank (FRC)'s financial condition based on the latest available information: Capital Adequacy: FRC's capital ratios have deteriorated significantly due to the unrealized losses in its loan and securities portfolios, which exceed its tangible common equity. As of December 31, 2022, FRC reported a Tier 1 capital ratio of 8.7%, a Total capital ratio of 11.5%, and a Common Equity Tier 1 (CET1) ratio of 7.9%. These ratios are below the regulatory minimums of 10%, 12%, and 8.5%, respectively, and indicate that FRC is undercapitalized and may face regulatory intervention. Asset Quality: FRC's asset quality has deteriorated significantly due to the rise in interest rates, which has caused a sharp decline in the value of its fixed-rate loans and bonds. FRC has about $92 billion of loans, mostly mortgages, with a weighted average yield of 2.89%. About 37% of these loans are fixed-rate and have a duration of about seven years. FRC also has about $50 billion of securities, mostly municipal bonds, with a weighted average yield of 3.19%. About 95% of these securities are classified as held-to-maturity (HTM) and are not marked to market. However, FRC discloses the fair value of its HTM securities, which shows that they have an unrealized loss of about $4.8 billion as of December 31, 2022. This loss exceeds FRC's tangible common equity of $12.8 billion and implies that FRC is insolvent on a mark-to-market basis. FRC's non-performing loans (NPLs) have also increased from 0.15% of total loans in December 31, 2021 to 0.35% in December 31, 2022. FRC's loan loss provisions have increased from $75 million in December 31, 2021 to $150 million in December 31, 2022. However, these provisions may not be sufficient to cover potential losses if loan defaults increase or collateral values decline. Earnings and Profitability: FRC's earnings and profitability have declined significantly due to the higher cost of funding, lower net interest margin, and higher provision expenses. FRC's net interest income decreased from $3.6 billion in December 31, 2021 to $3 billion in December 31, 2022. FRC's non-interest income increased from $1.4 billion in December 31, 2021 to $1.6 billion in December 31, 2022, mainly due to higher fees from its wealth management business. FRC's net income decreased from $1.4 billion in December 31, 2021 to $0.8 billion in December 31, 2022. FRC's return on assets (ROA) decreased from 0.97% in December 31, 2021 to 0.51% in December 31, 2022. FRC's return on equity (ROE) decreased from 10.5% in December 31, 2021 to 5.6% in December 31, 2022¹². Liquidity: FRC's liquidity position has worsened significantly due to the massive deposit outflows and reliance on higher-cost borrowings. FRC has experienced about $70 billion of deposit outflows since March 8, 2023, which represents about 40% of its total deposit base. FRC has tried to replace these deposits with higher-cost borrowings from the Federal Home Loan Bank (FHLB), the Federal Reserve discount window, and other sources. These borrowings have increased FRC's cost of funds and reduced its net interest margin. FRC's loan-to-deposit ratio increased from 88% in December 31, 2021 to 140% in March 20, 2023, which indicates that FRC is funding its loans with more borrowings than deposits. FRC's liquidity coverage ratio (LCR) decreased from 120% in December 31, 2021 to 80% Management Quality: FRC’s management quality is questionable, given its poor performance, strategic blunders, and accounting issues. FRC’s management team and board of directors have been criticized for their lack of foresight, risk management, and transparency. FRC’s management failed to anticipate and hedge against the rise in interest rates, which caused massive losses in its loan and securities portfolios. FRC’s management also failed to diversify its business model and customer base, which made it vulnerable to deposit outflows and competitive pressure. FRC’s management also failed to disclose the extent of its unrealized losses and liquidity problems, which eroded its credibility and trustworthiness. FRC’s management has been under investigation by the Securities and Exchange Commission (SEC) for possible accounting fraud and manipulation. Macroeconomic and Industry Factors: FRC’s macroeconomic and industry factors are unfavorable, given the challenging economic and regulatory environment and the intense competition in the banking sector. FRC has been negatively affected by the slowdown in economic growth, the surge in inflation, and the tightening of monetary policy, which have reduced loan demand, increased funding costs, and lowered asset values. FRC has also faced regulatory headwinds, such as higher capital requirements, stricter consumer protection rules, and increased oversight and enforcement actions. FRC has also faced competitive threats from other banks that offer higher deposit rates, lower loan rates, or better services to its target customers. The complete report shows that FRC’s financial condition is very poor and deteriorating rapidly. FRC is undercapitalized, insolvent on a mark-to-market basis, unprofitable, illiquid, and exposed to high levels of market, operational, and regulatory risk. FRC has faced massive deposit outflows, credit downgrades, and stock price collapse. FRC may not survive without government support or a buyer. FRC is one of the most vulnerable banks in the current banking crisis. FRC’s management quality is questionable, given its poor performance, strategic blunders, and accounting issues. FRC’s macroeconomic and industry factors are unfavorable, given the challenging economic and regulatory environment and the intense competition in the banking sector. **I am not an expert and this is not financial advice.**

r/wallstreetbetsSee Comment

Quoted from Article: "CET1 ratio — a measure of bank solvency — came in at 13.4% at the end of 2022, while its liquidity coverage ratio was 142% and its net stable funding ratio stood at 119%. These figures would not indicate that there is any cause for concern about the bank’s solvency or liquidity position." Deutsche Bank had restructured its business model in 2019 and has become a very profitable bank which has reported 10 straight quarters of profit and thus I agree with german chancellor and think there is no basis to speculate about its near future. However, I see in an uncertain economic environment due to the global events in present has clearly made investor confidence becoming more fragile as many investors clearly remain unconvinced that the policymakers (i.e., governments and Central banks) would be unable to curtail the current global crisis without longer-lasting and potentially severe repercussions for overall global economy and would be beyond the banking sector. This investor belief is due to the significantly higher interest rates by multiple crentral banks and lower growth in many developed economies including recessions in some countries (I.e., it is speculated that half the world right now is in recession due to the on going energy crisis). The credit suisse collapse event just increased the anxiety in fragile confidence of the Investors in the markets. Presently it is estimated 186 US banks are vunerable after the collapse of Silicon Valley Bank. Thus it is my observation in which it is obvious and expected the investors will be hedge their risk by removing and liquidating their investments positio s from the equity market leading to CDS to jump up based on the equity drop. Overall, I believe the policymakers would not support the collapse of another bank as it is not positive for both economic and political perspective. However we need to wait and watch.

Mentions:#CET
r/wallstreetbetsSee Comment

Burry’s chart makes me think it’s BAC. Unless C and JPM have abnormally high CET1, neither have suffered as much on duration risk

Mentions:#BAC#JPM#CET
r/stocksSee Comment

I'm sorry, I must be mistaken. I thought that post-wipeout of the AT1s, CS was now below the CET1 threshold. What is their CET1 vs. RWA now? Understand that this is not economically important, but technically false that they have never breached it. Just took the wipeout to do it. Unless I am wrong.

Mentions:#CS#CET
r/stocksSee Comment

It was AT1. They came into the week with a sufficient of amount of CET1 capital. Then they started having outflows of deposits to the point where the Swiss government decided something had to be done. Then the Swiss government provided a 50bn CHF liquidity line. The notes had two triggers: 1. CET1 ratio dropping below 7% or 5.5% depending on the note. This was not triggered , the CET1 never dropped below this level, else the Swiss would have used that trigger justification for the write down. 2. Significant government support - if the Swiss government provided significant government support that increased capital ratios, then the notes could be written down to zero. However, the Swiss government never provided support to increase capital, hence the lawsuits from the bondholder group and the CS AT1s trading up to 4-6. In any case bank CET1 is supposed to be first loss absorption buffer with AT1 only being bailed in after CET1 is exhausted. The Swiss government violated cap structure seniority to pay out the Saudis. Shareholder equity is intrinsically tied to CET1 capital.

Mentions:#CET#CS
r/stocksSee Comment

I never said that it did. Only that it is not equivalent to equity and is actually subordinate under certain conditions. After which you stated that it never breached the CET1 ratio. It seems to be in breach of it right now. Unrelated to why the bonds were wiped out but still worth noting as I thought the statement was factually incorrect.

Mentions:#CET
r/stocksSee Comment

The CET1 ratio is a very specific number, which never dropped to 7%. The Swiss government claimed that they provided government support which triggered the write down, not that there was a capital trigger.

Mentions:#CET
r/stocksSee Comment

I think the outrage comes from the fact that investors misunderstood this clause. Notes shall rank (i) junior to all claims of Priority Creditors, (ii) pari passu with Parity Obligations and (iii) senior to the rights and claims of all holders of Junior Capital. If the regulator will write down the bonds to protect equity holders, then in fact the bonds are junior to equity. Also, write down events are typically assumed to be tied to the CET1 ratio. Always read the fine fine print 😅

Mentions:#CET
r/wallstreetbetsSee Comment

False, they had 15% in CET1 capital.

Mentions:#CET
r/stocksSee Comment

Wrong. There is not a single case where PWD AT1 are senior to stockholders. In a regular trigger event the CET1 ratio would drop to 7%, and the PWD AT1s get wiped out completely. If the bank manages to stabilize itself due to this additional CET1, the stock gets traded as usual. Otherwise the bank will be bought by another one like now. If the CET1 further sinks and the Regulator closes the bank/invsolvency the AT1s were alredy written off to zero while stockholders get the last rank in seniority. Different case with CoCo.

Mentions:#CET
r/wallstreetbetsSee Comment

While I agree that the 7% CET1 trigger can result in losses to AT1 before equity, Matt is ignoring the whole resolution framework that stipulates priority when exercising write-down powers. The fact of the matter is, the Swiss **did** exercise write-down powers but they wanted to preserve equity. This would be shady at best under existing laws, so they made up a new law overnight using emergency powers under their constitution.

Mentions:#CET
r/wallstreetbetsSee Comment

**User Report**| | | | :--|:--|:--|:-- **Total Submissions**|1|**First Seen In WSB**|just now **Total Comments**|0|**Previous Best DD**| **Account Age**|2 weeks|[^scan ^comment ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_comment&message=Replace%20this%20text%20with%20a%20comment%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20comment%20and%20correct%20your%20first%20seen%20date.)|[^scan ^submission ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_submission&message=Replace%20this%20text%20with%20a%20submission%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20submission%20and%20correct%20your%20first%20seen%20date.) >TL;DR: The AT1 to CET1 ratio is just one of the many metrics used to evaluate a bank's financial health, and other factors such as profitability, liquidity, and credit quality should also be taken into consideration.

Mentions:#CET
r/wallstreetbetsSee Comment

https://www.youtube.com/live/gmT0-w_0Ex4?feature=share Swiss Government will inform ob the official plant at 19.30 CET.

Mentions:#CET
r/wallstreetbetsSee Comment

>1) The group's reported net loss is not indicative of its future prospects. It has significant assets and a strong history of profitability. 2) The CET1 ratio is below the minimum required level, but this does not mean that the group will be unable to sustain its assets in the event of a turmoil. There are other factors to consider, such as the size of its asset base and its past performance. 3) Major asset outflows from Europe may be due to concerns about thegroup's financials, but this does not necessarily mean that Europeans themselves are suspicious about the group's financials. Other factors could also be at play, such as political instability or economic conditions in Europe.

Mentions:#CET
r/wallstreetbetsSee Comment

no worries brother, and my apologies for 'taking a shot' :) I'm always suspect of people on here, I feel like everyone (including me!) is just trying to push their bias.. CET1 capital is the banker way of saying tier 1 capital. from investopedia: > Tier 1 capital refers to the core capital held in a bank's reserves and is used to fund business activities for the bank's clients. It includes common stock, as well as disclosed reserves and certain other assets. Along with Tier 2 capital, the size of a bank's Tier 1 capital reserves is used as a measure of the institution's financial strength. So their capital position wasn't the worst but I think the incredibly high individual deposits spooked the Fed into preventing/ending a bank run

Mentions:#CET
r/wallstreetbetsSee Comment

>How was their HTM holding up? >that's in the burry tweet. My apologies, I rushed a response on mobile for that one. I scrolled past that chart last night and didn’t look at it as closely when you just sent it. Idk what CET1 Capital is but they’re barely above the median amount of losses. > I'm guessing you're in the 'SBNY closure was a Fed hit against Bitcoin' camp? Lol no, not really although it does make me wonder. But I have no interest in BTC’s success. I’m the opposite of a bitcoin maximalist. I think it’s a Ponzi scheme that should go to zero one day

Mentions:#CET#SBNY
r/wallstreetbetsOGsSee Comment

Any ideas where to find/ calculate CET1 ratio for a bank of interest?

Mentions:#CET
r/wallstreetbetsSee Comment

Plotting unrealized % losses of CET1 capital on the x axis against % of depositors with deposits in excess of the FDIC 250k limit. Basically, you can see that SBNY and SIVB were both outliers on the whole. FRC is also up there but not nearly as high as the other two. The purple banks are the “too big to fail banks” My takeaway is that SIVB was going to fail due to the massive losses whereas SBNY failed not as a result of losses but more of a result that they held concentrated risk in that most of their depositors held in excess of 250k. Once SIVB was taken over by the Gov and before the depositor bailout was announced, people in SBNY began pulling money out and that caused the bank to fail as well. Now with the government essentially saying “don’t worry fam we got you covered” with respect to deposits it doesn’t make sense why certain institutions like FRC would collapse because they’re losses are not nearly as severe as SIVB and the government/banks have come together to say “we good”. My takeaway is that burry is saying that the fear is overblown and the panic is unjustified but I’m just a simple ape trying to understand these arcane arts