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No. 6: If you don’t give it to me you’ll only lend it to someone else and look where that got us

January 2000

Yen bonds - The great Euroyen recovery


The Euroyen market, which slipped into somnolence in the 1990s, turned out to be the best performing in the world by the end of 1999. A rising yen, Japanese economic recovery and the beginnings of state-sponsored financial reform triggered a series of new issues, first from supranationals, then from corporates. Rebecca Bream reports




   

For most of the 1990s the Euroyen market has been a shadow of its former self. The primary market hit a spectacular low in 1998. From $55.1 billion worth of business in 1995, Euroyen issuance for 1998 was only $19.3 billion. The market continued to languish in the first half of 1999, only to be revived in spectacular fashion towards the end of last year by a string of supranational deals spearheaded by the Inter-American Development Bank. Euroyen deals in 1999 (up to November 24) total ¥2,572.5 billion ($24.2 billion). As well as the upswing in issuance, the Euroyen market has been the best-performing secondary bond market in the world this year and has suddenly found itself to be the darling of the capital markets.

Suddenly investors have been rushing into the market, issuers have been trying to take advantage of this demand and underwriters have been battling it out for mandates. With a successful deal by Toyota Motor Credit Corp in November, there are the first signs of the development of a yen-denominated corporate credit market.

Euroyen bonds' previous unpopularity with issuers and investors started in 1995 and 1996, with a combination of very low interest rates and a weakening currency. Doubts about the Japanese economy and the level of government borrowing curtailed international demand. Moody's even removed its triple-A rating for Japan over concerns about the credit quality of the financial system.

Issuers were also reluctant to enter the Euroyen market. Unfavourable dollar/yen swap rates meant that it was very expensive for international issuers to borrow in yen unless they intended to keep the currency.

The recovery began when Japan announced stronger-than-expected GDP figures for the first quarter of 1999, and the yen surged ahead against the dollar. The government undertook a restructuring of the financial system, reforming and recapitalizing the banks and triggering several large bank mergers. International investors could have been reaping returns of up to 14% if they had bought into yen bonds, although few had taken this position.

"A lot of investors were short yen exposure and were happy with this position at the start of the year," says Stuart McGregor of Merrill Lynch's European syndicate. But as credit and currency worries about Japan began to ease, investment banks such as Morgan Stanley, Merrill Lynch, Lehman Brothers and Salomon Smith Barney increased the weighting of yen in the investment indices. From a weighting of between 10% and 15%, yen was increased to over 25% in many indices. Investors tracking such indices, many of which had been underweight in yen anyway, suddenly needed to buy considerable amounts of yen-denominated paper.

Meanwhile, Euroyen and domestic spreads were again converging - domestic spreads tightening on the back of an improved credit outlook, and international spreads widening because of widening swap spreads. This began to attract domestic investors to Euroyen, hunting for extra yield. Older Euroyen issues had been keenly bought, with some trading through JGBs, and the market was ripe for new issues by the summer of last year.

It now required one issuer to break the stalemate and refocus attention on the asset class. The Inter-American Development Bank (IADB) was in a privileged position to be able to take advantage of the rise in demand for yen. It was able to brave the market without having to worry about swap rates, as it needed yen to service an upcoming yen bond redemption. The swap rates that had meant it was beneficial to finance yen requirement in dollars had changed and any arbitrage had disappeared. Also, with the introduction of the FAS 133 rule, the IADB wanted to limit the growth of its swaps book.

The 10-year ¥100 billion deal, launched on June 28, was a global issue with a 1.9% coupon and a spread of 13 basis points over JGBs. It is seen as the catalyst for reopening of the Euroyen market, although the borrower admitted at the time that the deal was "a bit of a nerve-wracker". There had been no significant Euroyen issues for 16 months, but the IADB's gamble paid off.

"The IADB deal highlighted to a much greater audience of issuers and underwriters the investor demand for yen," says Robert Rooney, head of the European syndicate at Morgan Stanley, the joint-bookrunner on the deal with Tokyo-Mitsubishi International. He describes this demand as "a riot for paper", sufficient for the deal to be reopened on October 4, raising an additional ¥50 billion.

Over half of the deal was sold to international investors, but the paper also attracted demand in Japan. "There was an opportunity to get domestic Japanese demand for Euroyen. Spreads in the domestic market had become very tight," says Denis Kelleher, head of debt syndicate at Tokyo-Mitsubishi.

Two days later KfW entered the Euroyen market with a ¥50 billion 10-year deal, with a 2.05% coupon and priced at 10bp over JGBs. Nomura was the sole bookrunner and sold paper mainly to Europe and the US, though the 2% coupon also generated good demand among Japanese investors.

After the summer holiday lull, the revival of Euroyen issuance continued with the European Investment Bank launching a ¥75 billion five-year deal at the end of October. Morgan Stanley, the sole bookrunner, launched this on the back of the massive interest it had encountered in the IADB deal. With a 0.875% coupon and a spread of 6.5bp through JGB and 8.5bp through the credit curve, this deal was criticized for its aggressive pricing. It was aimed exclusively at European accounts and the spread widened slightly after launch. Morgan Stanley placed paper mainly with UK, German and Italian fund managers, but most suspected that it was left with paper on its books.

Although not the most successful Euroyen deal, the EIB issue opened up the market for non-10-year paper. It took advantage of a gap in the market, and "reflected how tight Euroyen had got to JGBs, a reaction to international demand for yen and the strength of the currency", says Kelleher at Tokyo Mitsubishi. The introduction of shorter-dated paper was important for the development of a Euroyen yield curve.

However many investors chose to hang on for the second KfW yen deal, launched on November 1, raising ¥100 billion of five-year bonds with a 1% coupon and a spread of 2bp over JGBs. Nomura and Deutsche Bank acted as bookrunners. This deal was bigger, higher-yielding and had a global structure that increased liquidity. KfW's first global issue in a currency other than the euro, it was a blowout thanks to its relatively generous coupon.

These supranational deals from traditional Euroyen issuers were basically JGB surrogates sold to international investors, and were very similar to the character of the Euroyen market in the mid-1990s. But by November Euroyen issuance was going from strength to strength and a market for corporate paper began to develop.

The start of corporate Euroyen issuance was driven by the same factors that were fuelling corporate issuance in Europe and the US. "The corporate sector has been the vogue this year, the whole Euromarket has been about picking up extra yield," says McGregor at Merrill Lynch. Fund managers have been under unprecedented pressure to produce greater returns for their investors. "Yen investors have taken a far broader look at their portfolios to incorporate this need for credit," says Andrew Asbury, head of the fixed-income syndicate at Nomura.

Several corporates had already come to the market with MTN private placements, and Nomura had launched a ¥50 billion deal for DSL Bank of Germany, described by Asbury at Nomura as "the first dip in the water" of a corporate yen market. "We were trying to change the whole focus of the yen market," says Asbury, away from supranational and sovereigns and towards credit. Nomura, along with Merrill Lynch as bookrunners, pushed this development further on November 9 with a ¥50 billion deal for Toyota Motor Credit Corp - the first corporate bond issue in the global yen market. A five-year deal, it carried a 1% coupon and a spread of 18bp over JGBs.

"TMCC was the ideal candidate to open the fixed-rate global corporate yen market," says McGregor at Merrill Lynch. TMCC had not tapped the Euroyen market for years, but was a well-known name to domestic and international yen investors thanks to its Japanese parent company, Toyota. The reputation of its parent company enabled the deal to price tighter than most corporate issues at only 18bp over JGBs, and this has tightened since the launch.

The TMCC deal was deliberately marketed at international investors, which bought 80% of the paper, to preserve domestic demand for Toyota paper and ensure liquidity through a wide distribution. Investors were attracted to the deal primarily as a way of buying currency exposure, with some extra yield for the credit risk, and the spread was not generous enough to attract many Japanese buyers. TMCC took advantage of tightening swap rates to convert the proceeds to dollars.

Encouraged by TMCC's success in the Euroyen market, car companies further down the credit curve started to prepare deals of their own. A few days later single-A rated General Motors, which had yen funding requirements, issued its debut in the Euroyen market, a five-year ¥50 billion deal at a more generous spread than TMCC - 36bp over JGBs. Merrill Lynch and Bear Stearns led the deal. Three-quarters of the paper was bought by domestic investors looking to pick up extra yield through credit exposure. "General Motors paid noticeably more spread than TMCC, and the demand from Japanese investors grows exponentially the bigger the spread over JGBs," says Paice at Salomon Smith Barney.

Ford Motor Credit was the next corporate to take advantage of investors' thirst for yen, reassured of the appetite for single-A corporate paper in the yen market by General Motors' success. On November 8, it issued a ¥30 billion four-year deal, with a 1% coupon and a spread of 28bp over JGBs, led by Salomon Smith Barney. The shorter maturity was intended to reassure investors that might be nervous about long-term prospects for yen interest rates but wanted the currency exposure. The bonds sold well to Japanese accounts, but slowly to European investors.

The final deal in this run of Euroyen issuance came from yet another car maker, BMW, the fourth in a month to access the Euroyen market. It was a ¥40 billion three-year issue with a 0.70% coupon and a spread of 25bp over JGBs, with Barclays Capital and JP Morgan as bookrunners. This paper was mainly sold into Japan and had limited success because of its relatively tight pricing.

The financial community has been impressed at the speed with which a credit curve in yen is being built. "Before this recent flurry, there hadn't been Euroyen corporate deals since the 1980s. It is the reopening of the market," says Paice at Salomon Smith Barney. There are substantial worries about the liquidity of some deals, especially those sold mainly to Japanese investors, who tend to buy and hold. In the case of the General Motors this arguably did affect liquidity, "but ultimately liquidity has been patchy in some of the internationally sold issues as well," says Paice. "The more issues there are, the more international investors will feel relaxed about liquidity".

The corporate market can support smaller deals, and an issue of ¥30 billion is not necessarily too small to be liquid, but sovereign and supranational deals need to be at least ¥50 billion. This year the market may grow further. "The trend will be towards slightly bigger transactions over time," says Rooney.

Bookrunners of Euro and global yen bonds Jan-December 8, 1999
Rank Manager of Group Amt ¥ bn Iss. % share
1 Nomura Securities 636.3 33 26.68
2 Merrill Lynch & Co 327.2 36 13.72
3 Morgan Stanley Dean Witter 324.05 32 13.59
4 Bank of Tokyo-Mitsubishi Ltd 200 9 8.39
5 Daiwa Securities Group Inc 164.73 49 6.91
6 Salomon Smith Barney International 137.12 8 5.75
7 Deutsche Bank 97 5 4.07
8 Dresdner Kleinwort Benson 64.5 8 2.7
9 Dai-ichi Kangyo Bank Ltd 63.4 11 2.66
10 Warburg Dillon Read 60.68 15 2.54
  Total of Issues used in the table 2384.6 229 100
Source: Datastream








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