2007다음세계N호주방

호주은행들....아~~걱정되네요... 2008.11.13 - Christhills

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bizperth
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2020-08-29 11:43
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오늘 블름버그 기사인데.. 바빠서 해석은 나중에 해드리고,,,,

 

한마디로 메이져 은행들 개판이란 얘기입니다..ㅜ.ㅜ

커먼웰쓰는 올해 받지못할 돈(부실채권)이 두배가 될거라고...ㅜ.ㅜ

 

이유는 요런 애들한테 돈 빌려줬다가...ㅜ.ㅜ

Lehman Brothers Holdings Inc.

Allco Finance Group Ltd.

Centro

Babcock & Brown Ltd

ABC Learning Centres Ltd. and so on.

 

이게 나랑 뭔 상관이냐??? 하시분들 계시겠지만,,,

은행이 부실해지면 건전성 확보를 위해 기본적으로 하는게..

일단 돈줄 죄이고(지들도 돈없는데 당연하겠죠...)

그러면 기업이나 가계의 은행문턱은 훨 높아지는거죠...

 

그담에 소위 말하는 '비오는데 아예 있는 우산마저 뺐죠...'ㅜ.ㅜ

그러면 당연 상환만기연장 못받는 기업이나 가계는 디폴트(채무불이행)발생하고,,

'파산'하게 됩니다....

 

마지막으로 은행의 건전성과 부실 리스크가 높아질수록..

은행주가는 하락하고,,,

(이건 하루 이틀얘기 아니죠?? 사실, 주식시장이 가장 먼저 감지하는 특성땜에)

해서 수익률이 떨어지게 되죠...

그러면 이를 보존하기위해...이자률 컷을 풀로 파쓰 온하지 않는거구여...ㅡ.ㅡ;;;

즉, 아비에이는 이자률내리지만 은행들이 못따라가는 이유가 여기에 있는거고....

어떻게든 수익률을 유지해야 주가하락을 막으니깐여...

결국 그 피해는 또 기업이나 가계가 지게됩니다...ㅜ.ㅜ

 

암튼 바빠네요...자세한 얘긴 나중에....

좋은 하루요~~^^

 

Commonwealth Says Bad Debts Rise,

Cites Lehman, Allco

By Stuart Kelly

 

Nov. 13 (Bloomberg) -- Commonwealth Bank of Australia, the nation's biggest mortgage lender, said bad debts may double this year, citing lending to companies including Lehman Brothers Holdings Inc. and Allco Finance Group Ltd.

 

Impaired expenses will be the equivalent of as much as 0.5 percent of total lending in fiscal 2009, twice as much as the previous 12 months, with the majority taken in the first half, according to a quarterly update from the Sydney-based bank today.

 

Commonwealth's shares dropped 4.1 percent in Sydney trading to the lowest level since January 2005. The nation's biggest banks have increased provisions this year as Allco and ABC Learning Centres Ltd. collapsed, with Commonwealth in August posting the slowest earnings growth in four years.

 

``Commonwealth's bad debts needed to increase, given they had been somewhat light relative to the market's own view,'' said Peter Vann, who manages more than $600 million, including Commonwealth shares, at Constellation Capital Management Ltd. in Sydney. ``This probably brings them up to speed.''

 

Bad debts jumped to A$930 million in fiscal 2008 from A$496 million a year earlier. Bad debts as a proportion of loans increased to 0.26 percent from 0.14 percent a year ago.

 

``While there is no evidence of systemic credit issues, the group's exposure to Lehman Brothers, Allco Finance Group and ABC Learning Centres will result in significantly higher first-half provisions,'' Chief Executive Officer Ralph Norris said in a statement.

 

Lehman Debt

Commonwealth made loans worth A$150 million to Lehman, it said in September after the New York-based investment bank filed for bankruptcy.

Chairman John Schubert told shareholders at the company's annual meeting today that the slowing Australian economy is likely to avoid recession.

Commonwealth's shares fell 4.1 percent to A$33.68 as at 10:34 a.m. in Sydney, extending their decline this year to 43 percent. Australia's banking stocks have slumped in 2008 as funding costs rose for lenders and borrowers struggled to make repayments in an economy that began showing signs of slowing after 17 straight years of growth.

 

The central bank has cut borrowing costs by 2 percentage points since early September in the most aggressive round of reductions since 1991 on concern slower global growth will erode Australia's economic expansion.

 

Commonwealth Bank was among lenders that this month appointed outside managers to ABC Learning, the world's largest child care operator that ran up A$2.2 billion in debt as it expanded in the U.S. It's owed A$240 million by ABC, in addition to the A$100 million provision the bank took in August against ABC's 4.46 million listed hybrid notes.

 

Centro, Babcock

Commonwealth this month also said it has loans totaling A$170 million with Allco, which has called in outside managers after saying it may default on loan repayments. Commonwealth has A$2.2 billion in exposure to troubled Australian companies, UBS AG analyst Jonathan Mott said in a Nov. 6 note.

 

Australian banks have investments totaling A$7.4 billion in troubled companies such as Centro and Babcock & Brown Ltd., and have posted A$3.1 billion in bad debts, according to UBS AG. Mott predicts Australia's four biggest banks will record about A$7 billion in bad debts this year.

 

National Australia Bank Ltd., the nation's biggest bank by assets, last week said it may adjust provisions for bad debts after it loaned A$140 million to ABC Learning. Westpac Banking Corp., the second-biggest lender by market value, said it will review its bad debts position after lending A$200 million to Allco.

 

To contact the reporter for this story: Stuart Kelly in Sydney skelly22@bloomberg.net

Last Updated: November 12, 2008 18:36 EST

http://www.bloomberg.com/apps/news?pid=20601081&sid=av35zUertwsI&refer=australia

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kii****

외국은 우리나라처럼 공적자금으로 은행을 구제해주고 그러는것 같진 않다. 외국에선 은행이 마치 사금고처럼 여겨지는 것 같다. 그러니 외국 은행도 망할 수 있다고 본다. 외국에 투자를 한다면, 국채나 사는 것이 옳을 듯... 08.11.15

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dltjddnj****

은행 체제가 다르니...게다가,외국은 사유 은행을 100%인정하던거 같던데요.. 08.11.15

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