The hottest Banks Substack posts right now

And their main takeaways
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Top Finance Topics

Two Tribes

Net Interest • 32 implied HN points • 27 Feb 26
💰 Finance Banks
  1. Bond and equity traders behave like two distinct tribes with different cultures and priorities; bond traders prize seriousness and protecting principal while equity traders chase upside, and their relative status has shifted over time.
  2. Banks act as transformation engines that turn debt into equity by holding portfolios of loans and bonds funded partly by shareholders, so you need to look at fixed income to understand banks.
  3. Analysts warn a rapid AI-driven shock could sharply raise defaults — UBS projects high yield 3–6%, leveraged loans 8–10% and private credit 14–15% — risking contagion into public credit markets. That outcome would strain capital adequacy at financial institutions, and private credit vehicles and BDCs are already showing early signs of stress.

Massive growth potential for the Bitcoin ETFs

Ecoinometrics • 530 implied HN points • 12 Jan 24
💰 Finance Banks
  1. The approval of Bitcoin ETFs by the SEC can lead to massive growth potential for Bitcoin investments.
  2. Fees in ETFs are crucial for performance - lower fees can significantly impact investment returns over time.
  3. Banks initially needing loans now profit from them, showcasing an interesting shift in liquidity management.

Is this the Sudden Paralysis of The System?

System Change • 569 implied HN points • 26 Mar 23
💰 Finance Banks
  1. Financial tectonic plates are shifting with concerns over banks like Deutsche Bank and Credit Suisse.
  2. The Federal Reserve's monetary policy changes and the potential consequences are under scrutiny.
  3. Geopolitical tectonic plates are shifting, with signs of significant changes in the global financial system.
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China Crumbles

The Dollar Endgame • 199 implied HN points • 16 Dec 23
🌍 World Politics Banks
  1. China's real estate market is facing significant challenges, with existing home prices dropping and outstanding property loans declining.
  2. Major developers like Evergrande and Country Garden are struggling with debt obligations and bankruptcy proceedings.
  3. Moody's downgrade of China's credit outlook indicates that the turmoil in the real estate sector is starting to impact the broader economy and banks.

Daily Chartbook #281

Daily Chartbook • 1414 implied HN points • 16 Sep 23
💰 Finance Banks
  1. US home prices rose 3% year over year to $420,846 in August.
  2. Total number of homes for sale hit a record low in August, dropping 1.1% month over month.
  3. Nearly 60,000 home-purchase agreements were canceled in August, up from a year earlier.

Top Links 373 Ordeal by Roses, US bank worries, Gazprom's losses, misfiring missiles & Bismarck's legacy

Chartbook • 286 implied HN points • 21 Feb 24
💰 Finance Banks
  1. Top Links 373 include the Ordeal by Roses photos, US bank concerns, Gazprom's losses, misfiring missiles, and Bismarck's legacy.
  2. US banks like JPMorgan Chase and Bank of America have seen a decrease in reserves for commercial real estate debt.
  3. This post is available for paid subscribers and includes insights on various topics related to finance and geopolitics.

Chinese banks scrutinize trade payments from Russia: report

Pekingnology • 37 implied HN points • 21 Feb 24
🌍 World Politics Banks
  1. Chinese banks are closely reviewing trade payments from Russia, causing disruptions for Chinese companies involved in business transactions.
  2. Major Chinese banks, including state-owned ones, are halting payments from sanctioned Russian financial institutions, leading to challenges for traders in various regions of China.
  3. The heightened scrutiny on remittances related to Russia by Chinese banks reflects the changing regulatory environment post third quarter of last year, impacting cross-border transactions and requiring stricter due diligence.

Alert: Central Bank of Nigeria Circular FPR/DIR/PUB/CIR/001/027

RegAlert • 0 implied HN points • 30 Sep 21
💰 Finance Banks
  1. The Circular published by the Central Bank of Nigeria contains a comprehensive list of licensed microfinance banks as of September 30, 2021, with details like addresses and statuses.
  2. The listed microfinance banks in the Circular are located in states including Anambra, Lagos, Edo, Ogun, Abia, Bauchi, and the F.C.T.
  3. The Circular classifies the microfinance banks into categories such as state, national, and tier 2 units, offering insights into their operational scope.

Alert: Central Bank of Nigeria Circular FPR/DIR/PUB/CIR/001/029

RegAlert • 0 implied HN points • 30 Sep 21
💰 Finance Banks
  1. The Central Bank of Nigeria issued a circular listing primary mortgage banks as of September 30, 2021, for financial institutions to comply with the stated requirements.
  2. The list includes various mortgage banks located in different states across Nigeria.
  3. Financial institutions are advised to review the circular and ensure they are in compliance with the regulations.

Alert: Central Bank of Nigeria Circular FPR/DIR/PUB/CIR/001/031

RegAlert • 0 implied HN points • 31 Dec 21
💰 Finance Banks
  1. Financial institutions in Nigeria must conduct thorough due diligence on customers before opening accounts and monitor transactions for suspicious activities.
  2. These institutions are required to keep transaction records for at least five years and report any suspicious transactions to the appropriate authorities.
  3. Clients are mandated to provide valid identification and comply with all specified regulations and guidelines when dealing with financial institutions in Nigeria.