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Will Fed’s Stress Tests Boost Banks?

Most banks are expected to pass the Federal Reserve’s latest “stress tests,” which measure their ability to withstand another downturn. But that doesn’t mean they’ll make the grade with investing pros.

Many investing pros and financial advisers have been avoiding banks as being too risky since the market meltdown of 2008. The Fed’s latest stress-test, the results of which will be released next week, is aimed at – at least in part – changing those perceptions by pointing out that most banks are healthier than they were a few years ago. But investing pros say the stamp of approval may not have the impact on bank shares some are hoping for. “There may be a little bit of a wiggle of market reaction when they come out,” says Tom Samuels, a managing partner at Palantir Capital. “But I think that people are properly focused on other issues.”

Topping that list of concerns is the European crisis. The balance sheets of American banks may be healthier than their counterparts on the continent, but they’re still not immune to the troubles there. Samuels says the ongoing crisis add “un-measurable” risk to large financials because the extent of their exposure to Greek and other sovereign debt is unclear. In particular, investors are unsure which institutions bought or sold credit-default swap contracts on troubled euro-zone countries. “To be invested in the big institutions right now is a leap of faith,” says Samuels.

It’s not just European debt that investors are worried about, says Rodney Johnson, the president of HS Dent: Banks still aren’t being fully transparent about the value of other assets on their balance sheets. They are not “marking to market,” which means they’re not reporting the current market value of assets like mortgage-backed securities. “If you’re not marking your securities to market, then I don’t know what they’re worth, and I don’t believe you when you tell me what they’re worth,” he says. Johnson doesn’t own any large financial stocks.

Given this lack of transparency, investors may be better off at smaller banks, advisers say. Small banks are not exposed to risk from credit-default swaps, Samuels notes. Since they’re exposed to risk when local businesses struggle to pay their bills, as the economy improves and the retail sector fares better, regional banks should benefit, Johnson says. Small banks also have shortcomings, Johnson says. They make a lot of commercial real estate loans, some of which were written with sub-prime-like problematic terms, he says.

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    • By WebOsPublisher

      mibuso.com • View topic – Shortcut Key
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      mibuso.comMicrosoft Business Solutions online community
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      Angelo
      Post subject: Shortcut KeyPosted: Fri Nov 12, 2004 3:07 am
      Joined: Fri Sep 10, 2004 4:05 amPosts: 157Location: Angel’s Home
      Hello, Master Navision
      How can I use shortcut key for button control?
      I want to make Point of Sales by using Navision and I want it user friendly. For example, press F1 for Enter, F2 for looking item,etc. but I want it by pressing button not menu button. Anyone can Help me?
      I still use Navision 3.70.
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      Arhontis
      Post subject: Posted: Fri Nov 12, 2004 9:51 am
      Joined: Wed Jan 14, 2004 10:20 amPosts: 624Location: AthensCountry:
      Hello,
      Since there is no direct shortcut assignement to buttons, you could create a menu button with a line for every button you use. In your buttons you call a function for every choice, and you call the same function from the corresponding menu item in the menu button and place shortcuts too.
      Then you could make the menu button width and height to zero, focusable=no. That way you have placed shortcuts in the menu items and
      the buttons on your form and can execute either…
      _________________Regards,
      Arhontis
      mibuso.com/forum/search.php
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      DenSter
      Post subject: Posted: Fri Nov 12, 2004 3:04 pm
      MVP Microsoft Dynamics NAV

      Joined: Thu Jan 02, 2003 5:37 pmPosts: 7896Location: Howell, MICountry:
      If you want to be user friendly, you should use the common Navision shortcut keys instead of re-arranging them according to your views. That way Navision users will intuitively know which buttons to hit for certain actions (i.e. F3 for a new record, F2 for editing and validating a field value, etc.).
      _________________Daniel Rimmelzwaan – ArcherPointMVP – Dynamics NAV
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      jhoek
      Post subject: Posted: Mon Nov 15, 2004 11:40 am
      NAV TechDays 2012 attendee

      Joined: Fri Nov 01, 2002 8:56 pmPosts: 199Location: AmsterdamCountry:
      Couldn’t agree more!
      _________________Kind regards,Jan HoekTechnical ConsultantDSA-VISION
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    • By WebOsPublisher

      The birth of Copy Paste: Susan Kare sketches the first icons
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      December 7, 2011
      The birth of Copy Paste: Susan Kare sketches the first icons
      Ever wonder how copy /paste icons came to be? Susan Kare was an artist working with Steve jobs on the Macintosh. Armed with a pink marker and sketchbook from University Arts in Palo Alto, she created the first famous set of icons that made computers human. Take a look at the rest of them on PLoS Blogs.
      marksandford reblogged this from melissamiranda and added:
      original Mac OS icons. Her sketches are absolutely awesome. To think…times I use copy…
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    • By WebOsPublisher

      Bug There are small facebook icons in all the title bars Forum Feedback & Announcements discussion
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      There are small facebook icons in all the title bars
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      May5-12, 06:29 PM
      There are small facebook icons in all the title bars
      #1
      sharks
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      I don’t know what’s happening with the forum lately, but it appears like someone has been messing around with the forum scripts. I think someone is trying to hack or poorly integrate the Facebook feature into the forums, as i’m currently seeing tons of small Facebook icons in all the windows’ title bars. It’s very annoying!
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      May5-12, 06:33 PM
      Re: There are small facebook icons in all the title bars
      #2
      jtbell
      I don’t see anything like that. I’m using Firefox 12 under Mac OS 10.7.
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      May5-12, 06:37 PM
      Re: There are small facebook icons in all the title bars
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      I don’t see anything.
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      May5-12, 06:38 PM
      Re: There are small facebook icons in all the title bars
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      Ryan_m_b
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      Could you post a screenshot of what you’re seeing?
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      May6-12, 03:34 AM
      Re: There are small facebook icons in all the title bars
      #5
      Borek
      Screenshot+OS+browser.
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      May6-12, 07:33 AM
      Re: There are small facebook icons in all the title bars
      #6
      sharks
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      This morning i checked again and the Facebook issue is gone but now my avatar is missing! :(
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      May6-12, 07:37 AM
      Re: There are small facebook icons in all the title bars
      #7
      Ryan_m_b
      Blog Entries: 1
      Quote by sharks
      This morning i checked again and the Facebook issue is gone but now my avatar is missing! :(
      Seems to be a problem at your end, I can see your avatar fine.
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      May6-12, 07:44 AM
      Re: There are small facebook icons in all the title bars
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      sharks
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      You are right. I have switched to Firefox 12.0. I’m using Windows XP SP3. Everything is OK now.
      I was using Pale Moon 12.0 when i started having those display issues: palemoon.org/
      It’s a light-weight and optimized version of Firefox, but i don’t know why it messes up the display. That rarely happens though.
      Edit: As i prefer the faster Pale Moon, i’ve fixed it by clearing its Cache and Offline website data from the menu Tools > Clear Recent History. Just in case, this might be helpful to someone else with the same problem.
      sharks
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    • In my opinion you are mistaken. I can prove it. Write to me in P,M we will talk.

      hpixel

    • The stress test will be manipulated guaranteed.

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