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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
The US treasury market reaches breaking point

The US treasury market reaches breaking point

The structural issue that could cause the world's market of last resort to grind to a halt

January 2000

Schroders - Fear and loathing on Cheapside


Was he the wrong man for the job or was the task too tough? Eight months after the departure of Richard Broadbent as head of global corporate finance, Schroders is no nearer to finding its direction. With his abrasive style, Broadbent caused shockwaves at an old city firm run by consensus. But he also produced results especially in Europe. Ironically, he came unstuck when he took his individualistic approach to the US and lost a fight with long-standing American managers. The fall out from his departure is still continuing. Nick Kochan reports




   

Will Samuel

Richard Broadbent was sitting in a half furnished apartment in New York. All around him was the chaos of half-unpacked suitcases, the remains of endless cups of coffee and scrawled-over letters and faxes from headquarters in London. He had been working for three and a half months, 18 hours a day, every day between late 1998 and March 1999, and he was dog tired.

He began to ask himself the same question as he had done each day for the last 100 days or so, and as he was repeatedly asking his wife. Why was he doing this, when his bosses in London at best didn't care, and at worst didn't like what he was trying to do? But on this occasion in March 1999, he decided that, instead of just thinking these gloomy thoughts, he would put them down on paper and not mince his words. More than that, he would tell his superiors that if they did not like what he was doing, they should tell him straight out, and he would go, and leave the mess to somebody else.

The letter that Broadbent sent to the desks of Schroders' chairman Win Bischoff and deputy chairman Peter Sedgwick sent a shockwave through the entire organization. It said that unless the company gave him the power to shake up the New York managers of Schroders Inc, the former Schroder Wertheim, he would never be able to achieve his aim of building a real trans-Atlantic corporate finance department. And if he was not allowed to do that, his entire strategy for corporate finance in the company was doomed and he may as well call it a day. Was he left with no other option in achieving his goals for the firm, or was this drastic action a sign that he had let work burdens get on top of him?

Bischoff says he was never concerned about Broadbent's mental state. "Richard is a very intense fellow. That is part of his strength. He has very strong opinions. I have worked with Richard for 14 years and I was never concerned about his mental state."

But Broadbent probably contributed to his own distress through his focus on the minutiae of corporate life in London far beyond necessity. Even while he was working in New York, he wanted to be consulted about trivia such as the offices London colleagues were using and the names of lunch guests.

While in the US Broadbent had retained control over the entire global corporate finance operation. This meant he had some 25 directors reporting to him from Europe, Asia and the US. It was, say many, an impossible task to handle. But the fiercely independent operation continued to evade him. The leading player and the man he had fought with from the day he took over New York as head of global corporate finance, Steve Kotler, was a director of Schroders group in London and untouchable without the main board's backing.

Kotler, for his part, saw Broadbent as a cuckoo in the American nest, and was determined to hold onto his position at all costs. Broadbent was not used to meeting such determined opposition and he was prepared to play the highest stakes to win his way. "Broadbent thought he had become so powerful that he could take on the main board. You have got to be very sure of your ground before you fire off that kind of missile," says a former colleague.

When the letter arrived on Peter Sedgwick's desk, he was not impressed. Broadbent had made many threats before and fallen out with some senior executives. More than that, Sedgwick had known Kotler ever since Schroders had bought Wertheim (Kotler was one of the original partners) and he could see no reason to sacrifice him for this young and aggressive executive. Sedgwick wanted Kotler to make the needed changes.

The problem Schroders faced in New York was quite simply one of profile and scale. The London team wanted to compete in their expert field of corporate advice with the US bulge bracket firms. Indeed they thought they could do it better than the wholesale banks, but their New York business did not fit the group's overall profile. In London, they had a blue chip client base, the envy of any bulge bracket, but in New York they were only known to mid-size American businesses. Worse than that, the executives who ran the old Wertheim were still running the company and were resistant to change and wanted to keep their independence.

Sorting out these difficulties was the challenge Broadbent faced and which led him to deliver his ultimatum. His letter went backwards and forwards between Sedgwick and Bischoff for the next five weeks. At the back of both their minds, and they told it straight to Broadbent, was that they were worried that if he was allowed to remove Kotler the American operation would go into freefall. Clients would go, the old partners would be in uproar and their major investment would lose value. But Broadbent kept on hammering home the point that the risks of waiting to see what happened in America were much graver than acting now and sharply.

The events perplexed and troubled Bischoff, the distinguished chairman of the company. He is renowned for dealing with clients, and is particularly good at encouraging them and giving them good news, but conflict is not his forte. He had been talked about as a chairman and statesman for UK banks National Westminster and Barclays in the past. Broadbent's passions unnerved him and he was unsure how to handle the situation. But no longer could he shut his eyes to Broadbent's excesses: he was forced to confront them.

In mid-April 1999 Sedgwick and Bischoff were agreed that they would not back Broadbent and would accept his resignation. They would support the American management. It was a controversial decision but even they must have been surprised at the reaction of the rest of the firm. Few Schroders executives have ever created such argument and managers were divided between those who thought the Broadbent approach was the only way to ensure the firm's survival and those who considered his tough style fatal in a city firm that relied on consensus.

Schroders' problem, which it still has today, is of being a mid-size player in a world increasingly dominated by the bulge bracket on one side and corporate finance boutiques on the other. Schroders is neither one nor the other and is finding it increasingly difficult to occupy this middle ground. Schroders is an institution born in the old world, blue-blooded and conservative, trying to come to grips with an aggressive, global new world. By trying to shake Schroders out of its slumbers Broadbent was bound to stir up some ill-will but clearly his vision was interpreted by many as the correct one even if they had doubts about his style.

The near hysteria in the corporate finance department that accompanied Broadbent's resignation was let rip at his leaving party, held coincidentally on his 46th birthday. Unusually for such an occasion, it was packed out. There was hardly room to breathe in the Schroders' boardroom and emotions were running high. Indeed, the sober and low key head of investment banking Will Samuel, could hardly be heard when he noted in his farewell speech that it took this sad occasion to fill up the room. When Panfilo Tarantelli, joint group managing director, got up to express his regret at Broadbent's move, he could hardly hold back his tears. While sadness was not an emotion city bankers usually express, at Schroders that day, it was unmistakeable and remarkable.

Broadbent's departure would have its consequences. For a period after that, the firm's corporate finance department was in a rumpus. The man who had masterminded its bold and successful move into Europe only two years before was being thrown to the dogs for some deeply entrenched American corporate financiers who, many in the firm felt, were mediocre compared to the quality operators in London. A four-strong staff delegation went to see Bischoff to demand that he either reverse his decision or else remove Kotler. Several executives threatened to leave as well if he did not change his mind. The usual murmurings in the corridors of any highly gossipy organization reached a crescendo, and in a major backdown on their previous position, Bischoff and Sedgwick asked Kotler to step back from day to day operations.

Broadbent's case had been won but long after it would do him or the firm any good. The management may have thought they had taken the steam out of the situation with this tit-for-tat move. In fact, the troubles were only just beginning. A few months later in September, Karen Cook, the co-head of UK corporate finance, and reportedly one of those most vocal over Broadbent, went to Bischoff and told him she had been offered a job by Goldman Sachs and was resigning. It was a body blow, both in terms of group morale and in confidence. Cook, the mother of six children, and the wife of former Schroders man, Patrick Drayton who is now head of the UK's Takeover Panel, had run some of the highest profile client accounts. Schroders' managers worried about the fate of these accounts following her departure, although to date, it is not thought that any of these has moved from the firm.

Then, shortly after Cook went, four young directors with industry specializations announced they were moving to other firms, and suddenly the Schroders business looked vulnerable. Who would poach next from a business where dissent was so rife?

The departures have slowed but many of the entrenched problems remain. The American company is rudderless and the British company is without a US partner which can give it that break into the top echelon of US business. Attempts to buy additional US assets have also failed. Schroders was rebuffed first by Wasserstein Perella and secondly by Geoff Boisi's Beacon Group in 1999. Without this acquisition its strategy of building a global business is in ruins.

Schroders' critics also argue that while clients trust and value its neutral advice, this is increasingly unpredictable as a source of revenues. They point out that the company has such a limited product range - it is particularly lacking in debt instruments - that its corporate financiers are restricted in the opportunities to sell to top companies. Clients are not yet walking away from Schroders, say city observers, but the bank increasingly finds it has to share formerly sole clients with the wholesale American bulge bracket firms. For example, the once loyal client National Power has taken on Salomon Smith Barney as co-advisor.

The bank's much vaunted independence is underwritten by the Schroder family which owns a controlling stake. Bruno Schroder, his sister Charmaine and family trusts own a total of 54% of the shares and the family has steadfastly refused to substantially dilute its holding. Bruno Schroder is thought to take great pride in being the fourth generation of his family to own the bank, and would never let down the family tradition and sell out. "They prefer to have money in a bank, rather than in the bank," says a former employee.

Schroder, whose primary hobby is tending his Scottish estate and collecting silver chalices, is said to take little interest in daily operations, but he insists on the final say in any strategic decision. Two directors watch over the family interests on a day-to-day basis - the present chairman Bischoff who joined the bank in 1966, and the former chairman, now Schroders' president, Sir George Mallinckrodt who joined in 1954, having married into the Schroder family. Mallinckrodt is independently wealthy, as his family owns a large part of the German sugar industry.

Supporters of the management say family control has allowed Schroders to ride through fallow years and recessions and bounce back. The bank excelled in the 1960s and 1970s under Gordon Richardson who went on to become UK Bank of England governor, but went into steep decline in the early 1980s, when it lost many top British clients, and incidentally also its star corporate financier, Jim Wolfensohn, now president of the World Bank, whose bid to be chairman was rebuffed. It appointed instead David Airlie, who went on to be Lord Chamberlain to the Queen. A recovery was engineered by corporate financier Adam Broadbent (no relation to Richard Broadbent) who picked up the pieces in the 1980s and put Schroders back on the map as a leading advisory house, alongside Warburg and Morgan Grenfell.

But the recovery in the mid-1980s was heavily dependent on the success of Schroder Investment Management (SIM), its asset management company. This regularly contributes more than half the pre-tax profits, £147 million ($235 million) out of £275 million in 1998. SIM had £119 billion under management in 1998. There remains some speculation that this business may be sold off, in a bid to repeat Warburg's success with the flotation of Mercury Asset Management. Investment banking, which comprises corporate finance and a securities business, made £128 million during 1998. Despite the need to set aside a £43 million provision due to a number of bad loans to a Singapore finance house, 1998 profits were only marginally down on the 1997 results.

The Schroders numbers sound good but the management's capacity to deal with its people has been severely damaged by the Broadbent affair. Whatever they think about his fights in America, and many are sympathetic to his position, former insiders say he did not have the temperament to be a Schroders manager, and should never have been promoted. They point to his transparent ambition, above everything else.

"He desperately thought he was the right person to run the bank, he made that clear from an early stage. A lot of people thought they could do a better job than those in charge but he was slightly dangerous because he was clever," says one. But that cleverness had its limitations, says another former colleague, because it was immune to the shadings found in daily life. "He is a very clear rational thinker but sees things in absolutely black and white rational terms. He makes no allowance for human weakness or psychology. He was absolutely driven by his view of the world."

His former boss, Win Bischoff, still makes apologies for him. "He is very smart but he is also intellectually honest. He had strong opinions but that is what actually made him a good manager."

Broadbent was a successful corporate financier in the late 1980s and maybe he should have stayed that way. But he had long pushed for a management role and even threatened to leave for a job at BZW. So in 1995, the management gave him the job of head of European corporate finance. The promotion shocked many colleagues. Says one: "He was completely the wrong choice to put into a position of responsibility. The implant of culture there is huge and to put somebody in who is aggressive and as personally ambitious and who is not a team player was a gross misjudgement." Broadbent celebrated his appointment by taking a number of colleagues to a restaurant, where he was seen dancing on the tables.

In the early 1990s it was becoming clear, belatedly in the eyes of many, that the corporate finance department needed to change its strategy, and the management turned to Broadbent for direction. Schroders needed to counter the Bulge Bracket banks which were arriving from the US and threatening Schroders long-standing client base in the UK. The bank also lacked a substantial advisory or securities business on the European continent which meant it would miss out on a growing mergers and acquisitions opportunity. Broadbent with his stock of ideas and determination was chosen for the task.

Once in power, Broadbent started shaking up a team which was widely seen as full of extremely intelligent individuals, but much too gentlemanly and relaxed for the good of the firm. The changes were timely but excessive, says one former employee. "Schroders had become too loose, and the pendulum had to swing back a bit. The managers in those days ran it like a workers cooperative, where everybody's views were as good as anybody else's. The heads of corporate finance were delightful people, like vicars' sons, and members of the academic tendency. But we knew the management had to be tightened up. Richard was the vehicle for this, but he tightened it up so much that the thumbs fell off."

Brusque style

There was nothing unusual about the strategies he introduced, which were standard for most well-run corporations, although the Schroders bankers baulked at them and many rebelled. That in turn may have fed on Broadbent's own feelings of insecurity and forced him to be tougher than was actually required. Yet he was brave, extending the scope for profit incentives and ultimately challenging the consensual basis on which the business had been previously run. Broadbent applied these incentives to a wide range of executives giving many staff the opportunity to earn more than those in higher positions.

Broadbent also narrowed down the business units on which performance was based. Allocation of bonuses was previously based on the performance of the group but, after the changes, bonuses were benchmarked against business units or an individual product performance. Bonuses and salaries jumped as a result.

One former banker thought they were very ill-judged. "It is fine to have Goldman as a model if you deliver Goldman-style profit margins and have Goldman-size resources. But to impose that on a relationship-driven culture in a UK bank was bound to change the character of the firm." he says.

Whatever the validity of his strategy, Broadbent's brusque style upset many of his former colleagues. "He was a very fine manager of an investment bank," says one, "but his psychological understanding of people left a lot to be desired." Another comments: "He is authoritarian - quite happy to ride roughshod over people - very tough. He was a bit like a mad monk who suddenly becomes obsessed with a dogma or a doctrine - that is the received wisdom and you take him on at your peril.... He would have made a good vicar in a Norfolk parish. But he was out of place in a bank." Broadbent who has recently started work outside of investment banking declined to comment on any of the issues raised by this article.

Bischoff now acknowledges: "He was not the easiest person to get on with". The pressure to make American investment bank levels of profits was reflected in the qualities Schroders began to value in its staff. Transaction-orientated skills were particularly encouraged. One former employee went so far as to say that "[Broadbent] wanted to make industry groups transaction led. He didn't think industry knowledge mattered and the execution culture was everything."

Win Bischoff had a steady queue of bankers at his door protesting about Broadbent's style. But on each occasion he said that the bank had put its money behind Broadbent and was backing him in his plans. While some floundered under the new regime, others flourished. European managers who could advance Broadbent's plans for a continental network were promoted and supported. The appointments to the senior management committee of the Italian, Panfilo Tarantelli, the German, Frank Muller and the Frenchman Marc Vincent, indicate this.

This European strategy was adopted rather late in the day, says Tarantelli, but it would subsequently bear considerable fruit. He points to the success of the bank's financial services group, which was selected by Crédit Lyonnais to handle its privatization, and by Banca di Roma to help it fight a e7.6 billion hostile bid from SanPaolo IMI. The group also has a significant presence in the energy sector where it advised Southern Company of Atlanta and SWEB, and in the media specialization where it has as clients EMAP and Fininvest/Mediaset. The company also has a strong position in telecoms, where it advised Telewest on a rights issue and its exploratory discussions with Flextech. In November 1999, Schroders acted as sole global coordinator for the equity offer launched by Telekomunikacja Polska (TPSA). The company stresses its capacity to compete with the bulge bracket firms saying it won the Southern Company business against competition from Warburg Dillon Read, and the Banca di Roma job even though Goldman had advised the bank on previous transactions.

The development of a European network is likely to be seen as Broadbent's greatest success at the firm, says one former colleague, sacked by Broadbent but still a supporter. "Richard had enormous power and mostly used it to transform Schroders for the good. He built up a serious presence in France, Germany, Spain and Italy. He was also instrumental in picking the people to run what is one of the best financial institutions groups in the city. Richard's hands are all over it. He is not a comfortable bed fellow for anybody, but he is actually hugely effective."

Evidence for this is provided by the performance of his division. Since Broadbent's European management team took over in 1995, UK revenues more than doubled and continental European revenues have grown by on average 50% per year since 1994. Schroder Securities also performed well in 1998, with Extel ranking it top for "change in quality". Schroders Securities also led in terms of a qualitative assessment of sales and execution in the same league table.

Bitter rows

On the basis of his performance, colleagues lauded Broadbent's achievements, although some privately questioned his style. But when he sought to take control of a strategy for the American operation proposed by another senior executive and colleague Gerry Grimstone, the rows got increasingly bitter. The uncompromising, back-me-or-sack me Broadbent reared his head, and Grimstone was the loser. He had his final falling out with Broadbent in late 1998, and left full-time employment at the firm in early 1999. The confrontation relates as much to the two men's similarities as their differences.

They were not only personal friends but also come from similar backgrounds. Both had high-flying academic careers, and both spent around 10 years at the UK Treasury before joining Schroders. A friend of both says: "They are very similar, both very bright, both think in the same way, both very ambitious. They would have made a good combination if they could ever have worked together."

The Oxford-educated Grimstone - Broadbent went to London University - was a popular and gregarious salesman for the corporate finance products who, in six years in the department, reportedly beat all fee-earning records. "He is a bit of a maverick," says one former collage, "and I am not sure whether he had the quality to lead the company, but he is a formidable talent."

Grimstone, unlike Broadbent, also had a good relationship with the family that controls the Schroders business. Says one observer: "The family found Grimstone jolly and likeable. They thought Broadbent was a hatchet man. They didn't like him. He was never asked to go and spend the weekend with Bruno at their estate in Scotland.'"

Broadbent's sense of being an outsider deepened when he was denied a board position in 1998. "It played on his mind and made him feel like an outsider," comments one former colleague.

In 1994 Grimstone seemed destined for a fast track to the top when Bischoff gave him the brief to manage the Schroders Asian operations in Hong Kong as head of Asia-Pacific investment banking. Grimstone pulled together Schroders' 10 disparate country operations into a single unit run out of Hong Kong. The posting had particular resonance for Bischoff, as control over the firm's Asian operations had been his own stepping stone to power in London in 1982. But the job may not have helped Grimstone's chances of winning power in the company, as he was largely absent from the corridors of power on London's Cheapside, where Broadbent was stamping his iron will.

"It's not like an American bank where you can be off-shore and be part of it all. In a British bank you are either there or you are not there," says one former employee. When the American business blew up in 1997 for the first time, Bischoff asked Grimstone to take over as Schroders head of US corporate finance. The previous incumbent in New York had left suddenly and there was havoc in the office.

Grimstone was given the title of head of US investment banking and moved to New York. Grimstone's foreign postings had largely kept him out of Broadbent's way, and the two had co-existed in some harmony. But once in America, the two were on a collision course. Grimstone's strategy for the American operation would involve the European business, Broadbent's bailiwick. Schroder Inc was a valuable business that needed to be retained, but Grimstone argued that if the British group was to get an American operation which could both serve the largest US corporates with cross-border expertise in Europe, and serve European corporates doing cross-border into the States, Broadbent's European business must be involved. Grimstone wanted Europe to share its clients, assets and staff with New York.

Broadbent's cooperation was required but that was not the European leader's style. From the start there were fights, and in the end it boiled down to the simple issue of who would be in charge. A bitter row in August 1998 resulted in Bischoff affirming his support for Broadbent, forcing Grimstone to quit as head of US investment banking. He was given the title of vice chairman of global investment banking, only to find himself marginalized. Grimstone quit his full-time job with the bank in January 1999, accepting the title of senior adviser, which was no more than a sinecure and an answerphone at Schroders' offices to take his messages. The turf wars with Broadbent have taken their toll on Grimstone, who now has a number of part-time positions advising governments and sitting on a number of boards of directors.

Sole survivor

The departure of Broadbent and Grimstone has cut back what looked like a triumvirate of possible future leaders for Schroders down to one. The sole survivor is Will Samuel, the head of global investment banking and a main board director, but noted more for technical expertise than management or the ability to handle people. Bischoff, who is 58, says he does not plan to retire until he is 63 in any case, is clearly reluctant to nominate Samuel as chief executive and his automatic successor as chairman. The cynics say this strategy is already wearing thin. "He has been over-used as a caretaker," says one former employee. Another comments: "He listens to everybody and agonizes over things without getting a grip. He is slightly disorganized when it comes to management. I would think that Win has probably got some misgivings about Will being one of the relatively few internal potential successors." Samuel admitted there were problems but maintains that "the firm has a great story".

With Broadbent gone, the consensual style he so despised has partly returned to Schroders' European corporate finance. An early decision by Broadbent's likeable successor, Tarantelli, was to create a Corporate Finance Management Committee, composed of himself, JJ McNeil, Marc Vincent and Frank Muller. Tarantelli says the committee's key job is "internationalizing the business and enhancing our sector specializations. We believe that what clients value above everything is consistent, good quality advice. This is what Schroders is all about. Our development of new and significant businesses internationally ensures that our advice remains competitive."

The shockwaves from the Broadbent affair will continue to rumble for quite some time, and the weakened management is under growing pressure to ensure stability with some high profile appointments. Failure to put a line under the crisis of 1999 could produce a further erosion of top employees', and ultimately of clients' confidence.

"What will happen when people pick up their bonuses and then become available?" asks one employee. "People in corporate finance in a shop like Schroders don't move for money - but if they lose faith in the destiny of the company they are working with, money becomes more of an issue. As long as Richard and Gerry were there, and they felt they were conquering the world, everything was fine. But with them gone, one could imagine the American investment banks will be making some juicy offers."






Searching for a CEO buy-in

Even while Richard Broadbent strove to turn around Schroder Inc in 1998 and early 1999, Schroders chairman Win Bischoff was himself spending much time in New York, trying to acquire an American boutique and use that as its launch point for tackling the blue chip US corporates. This nagged away at Broadbent, of course, as he knew that a hot shot American financier would put him in the shade, but he would be unwise to show his insecurity and make that point to Bischoff.

In any case, Bischoff was not finding it so easy to nail someone down. He started at the boutique everyone knows, knocking at the door of Bruce Wasserstein of Wasserstein Perella. But the negotiations remained very informal and went nowhere. Then he got back to his headhunters. Could they give him some more names? They pulled out of the hat the name of Beacon Group and its chairman, the former Goldman Sachs number three, Geoff Boisi. Boisi told them he was quite happy with the nice little partnership he had already. They kept on calling, and in due course he was prevailed upon to go and have dinner with Bischoff in New York.

The two men got along over the summer of 1999 - by which time Broadbent had left Schroders - and they talked in detail about the deal which would have cost Schroders some $400 million, equivalent to 6% of its market capitalisation. But Boisi was worried about how he and his partners could be fully remunerated when the Schroder family controlled so much of the equity (some 54% when you include their family trusts).

The negotiations dragged on into November with the odd leak appearing in local New York papers, although the two men had agreed nothing should be breathed about the talks in the press, as neither wanted to upset their shareholders or partners. By this stage, speculation was growing that Schroders was keen to acquire more than a US boutique and that it wanted Boisi as a potential future chief executive for the whole group.

But when two articles appeared in the Financial Times, in quick succession, one saying that the deal was about to be announced, and the second saying that it was foundering partly because the Americans at Schroders in New York thought Boisi was being groomed as a new head of the whole firm, the hot shot financier had had enough. He told Bischoff that he could not continue with the talks. A disappointed Bischoff prevailed upon him to keep talking, and he said he would find who was leaking. But Boisi was immoveable. The deal was off. Questions of the future leadership of Schroders remain unanswered.







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