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September 1999

September 1999

Finance and the internet: The new battleground

Euromoney September 1999

Forget about the euro. Forget about Y2K. These are no more than simple exercises in crisis management. E-commerce is what you should be preparing for: get the power of the internet around you. It is a power that is revolutionizing equities trading, a power likely to spread into core investment banking, in the process stripping away the inefficiencies previously integral to the financial system. Established market leaders already face an array of upstart competitors. There are new banks, new trading systems. Pricing and research are the main targets. All-comers now have access to liquidity. Huge amounts of research are freely available. Ma, Pa and the Belgian dentist can pile in there with the best of them. All under the cloak of anonymity. As a senior investment banker puts it: "This business used to be a pitched gun-battle. It could get messy but you knew who the opponents were. Not any more. It feels as if we're being shot at from every direction." Heed his words but don't delay in joining the fray. Three years will be too late. E-commerce is the power of the future. But it's here now. Antony Currie goes behind the wires to report from the new frontier.

  • Revamping the US equities market
  • The dynamics of the US equities market are such that the old system cannot last much longer without fundamental change. Internet trading, the recent appearance of electronic commissions networks, forthcoming shorter settlement times and decimalization of stock quotes are all turning the screw. Antony Currie reports.

  • Credit becomes a special case
  • Equities might enjoy all the glory at the moment but watch out for credit. This techno-laggard of the financial markets is set for an electronic great leap forward. If proof were needed - even the venerable CBOT has been showing interest. Antony Currie logs on.

  • Click, click - you're dead
  • Banks, like priests before them, have survived in part because of their monopoly of information and access. The internet is changing all that. As Steven Irvine argues, the data and choices that can be accessed with a mouse click must mean the death of banks as we know them.

Features

Millennial markets: Nothing to fear but fear itself

Euromoney September 1999

Credit and swap spreads have already risen in anticipation of the world's financial markets clamming shut this December. Borrowers and bankers talk nervously about the disappearance of liquidity and short-term funding in the run-up to year 2000. Central banks are on standby. So are some traders who hope to take advantage of illiquidity and mispricing. The frustration for many is that it is their own contingency plans, not their computers, that threaten chaos. But no-one knows how fierce the full millennium effect will be. Marcus Walker reports

Japan: Cruel and unusual punishment

Euromoney September 1999

When the ministry of finance regulated banks in Japan the watchdog turned a blind eye to foreign banks doing things domestic ones couldn't. Not that there was anything illegal in the lucrative business of creating structured deals for firms intent on disguising losses. The new regulator - the FSA - takes a different view and has imposed an exemplary clampdown on Credit Suisse. There's apparently a limit on the number of times something legal can be done if it's deemed against the public interest. The bankers are bemused by the vagueness of it all and so is our reporter Steven Irvine.

Japan: Cybercapitalism and the threat of catastrophe

Euromoney September 1999

Eisuke Sakikabara, alias Mr Yen, retired last month as Japan's vice finance minister for international affairs. A forthright bureaucrat who kept the market on its toes with his timely comments, his career path was not typical of MoF officials and included a period in academia. A fluent English-speaker, he talked to Steven Irvine shortly after he stepped down. The only thing he wouldn't discuss was the way the yen was heading - something of a paradox given that the currency was formerly his favourite subject.

US Congress: The scalp-hunters of Capitol Hill

Euromoney September 1999

A handful of US congressmen have the IMF and World Bank at their mercy. When it comes to fresh capital or even the subject of US withdrawal, these are the guys who have the casting vote, with a mind to their own re-election. Some, like congressman Sonny Callahan, chairman of the House foreign operations committee, are more supportive than others, who'd prefer the IMF to be shut down and the third world left to market forces. The US Treasury and others with a less parochial view have to tread tortuous paths through Senate and House committees to push through the administration's foreign policy. The multilateral institutions have hung back from lobbying on Capitol Hill, but one day it could be a matter of survival. Brian Caplen reports.

IMF AND WORLD BANK: High-wire act that changed the Bank

Euromoney September 1999

James Wolfensohn is about to reach a milestone. His five-year term at the helm of the World Bank is coming to an end. US president Bill Clinton will shortly decide whether to reappoint him. James Smalhout examines the record.

IMF AND WORLD BANK: Read my lips, says Jim Wolfensohn

Euromoney September 1999

World Bank president James Wolfensohn believes the Bank is becoming a more caring place, closer to the client it's trying to serve. One advanced management course includes a taste of poverty: living a week in a slum or village. Social aspects must match financial and macro concerns, he tells James Smalhout

IMF AND WORLD BANK: World Bank turns to guarantees

Euromoney September 1999

World Bank guarantees are a new way to help crisis-hit countries back into the private capital markets. But the Bank still wants to lend money. James Smalhout reports

IMF AND WORLD BANK: Seven-point plan to save the world

Euromoney September 1999

The great and the good have come up with a seven-point plan to stave off financial crises and benefit the developing world. Are they building castles in the air or laying the basis of a new financial architecture? James Smalhout reports

Finance minister of the year: Staying tough in a crisis

Euromoney September 1999

Plummeting oil prices, turmoil in world markets and natural disasters: José Angel Gurría's first months as Mexico's finance secretary were a baptism of fire. But his legendary powers of persuasion enabled him to make vital budget cuts to keep Mexico on track. By Brian Caplen

Deutsche Bank: The glass menagerie

Euromoney September 1999

It's huge, it's teeming with wild creatures, and it's fragile. In 1994 Deutsche Bank began to build an investment bank. In 1998 it restructured itself around corporate and investment banking. In 1999 it totally absorbed Bankers Trust. The result is a behemoth that relies heavily on global securities markets and the charisma of one man. Is this a safe vehicle for the next millennium? David Shirreff reports

Country risk September 1999: Daring to hope, fearing the worst

Euromoney September 1999

The emerging markets are bouncing back - at least some of them are. While they do, the market is holding its breath as crisis-hit countries implement fiscal and monetary reforms. And while economists believe growth rates will improve, they are also resigned to sovereign defaults on foreign debt. Commentary by Rebecca Cicolecchia, research by Alexa Marx.

European Central Bank: Softies remodel the Bundesbank

Euromoney September 1999

The 17 superchefs of the European Central Bank who sit on its governing council have 17 ideas about how to set rates, and how transparent the process should be. From the orthodox toughness of Duisenberg and Issing to the softness on the Nordic and southern fringes. Here are the two Germans, two Frenchmen, two Dutchmen, two Finns, two Spaniards, two Italians, the Austrian, Irishman, Portuguese, Belgian and Luxembourgois who rule euroland. By David Lanchner

ARAB 100 1999

Euromoney September 1999

Gulf banks thrive despite downturn

Euromoney September 1999

A consolidation wave has broken over the Arab banks. In Bahrain, Gulf International Bank and Saudi International have created a new giant. In Saudi Arabia, Saudi American Bank and United Saudi Bank merged. Years of low oil prices and weak economies are the spur, though banks are still making profits. Commentary by Andrew Beikos and Elena Antoniou

UAE looks forward to regulation

Euromoney September 1999

The credibility of the UAE's stock market continues to be affected by the lack of a settlement, clearing and custody system - leaving it highly unregulated, devoid of transparency and subject to manipulation. But, Nigel Dudley reports, a regulatory system now seems on the way

Poland becomes the favourite

Euromoney September 1999

In the past six months international investors have differentiated central and eastern European countries they once grouped together. Economic performance and market development have varied widely, partly reflecting how badly each country was hit by the Russian crisis. The gap between the richest and poorest is growing, and there is increasing polarization between the first wave of applicants to the EU (Poland, Hungary, Czech Republic, Estonia, Slovenia), the second (Bulgaria, Romania, Slovak Republic, Lithuania, Latvia), and the former Soviet republics. Rebecca Bream reports on Poland, a leader in attracting foreign interest.

Solving Croatia's banking crisis

Euromoney September 1999

Croatia has too many banks and most of them are poorly run. Bad debts are on the rise. Related lending has been widespread. The government has taken some banks under its wing and hopes to rehabilitate and privatize them. Yet fundamental reform of the sector is coming too slowly and in insufficient doses. Alex Mathias reports.

Belarus: Living with an image problem

Euromoney September 1999

Hyperinflation, a stalled privatization process, a lack of raw materials and a national currency near-impossible to convert have understandably encouraged the view among foreign investors that Belarus is an economic basket-case. But, as Theodore Kim reports, for the adventurous it's one of the cheapest places in the world to do business and it does have an industrial infrastructure so massive that it earned a reputation as the assembly plant of the Soviet Union

The child weans itself from Mother Russia

Euromoney September 1999

Last year's Russian crisis had one unexpected spin-off. For the first time investors started to differentiate between Russian risk and that of Kazakhstan. It was good news for Kazakhstan as Ted Kim reports.

Rebuilding hopes after human tragedy

Euromoney September 1999

Last month an earthquake brought Turkey's economy to a temporary standstill. It was already in the throes of a recession. Now it's time to rebuild, take advantage of extra sympathy from the IMF and international capital markets, and perhaps revitalize and reform the country in a way that wasn't politically possible before August 17. Metin Munir reports.

LATIN AMERICA: The world's forgotten crisis

Euromoney September 1999

Elections have a nasty habit of destabilizing Latin America's fragile financial markets. The latest election-inspired jolt came in July when Eduardo Duhalde, Peronist party candidate for Argentina's presidency, suggested that the country might not need to pay back all its debts. The impact was felt throughout Latin America. Spreads on bonds widened, stock markets fell and currencies weakened. While some Latin issuers have taken advantage of brief windows of opportunity to sell bonds and equities this year, many are struggling to raise finance, while much of the region heads into economic downturn. Michael Peterson reports

Brazil: The banks party through the crisis

Euromoney September 1999

All you need to make good money in Brazil is a banking licence, a few retail outlets and faith that your biggest customer will keep up payments. You don't need to worry too much about credit analysis, operating efficiency or branding. Risk-management skills may help you make even more money, but if you don't have them, relax, you should still come out ahead. Michael Peterson reports

Asian corporate survivors - Life after the crisis: Asia moves on

Euromoney September 1999

The Asian crisis delivered a devastating blow to the region's sprawling conglomerates. For years they diversified and grew rapidly, feeding on a rich diet of debt, much of it in foreign currencies. Then suddenly their markets collapsed and their debt service costs soared. But the bad times are ending and after drastic restructuring the best companies are on the move again. Alex Mathias reports.

Korea: The great universe is torn asunder

Euromoney September 1999

As Daewoo, once symbolic of the strength of new Korea, is forced into dismemberment because of crippling debt, the government hopes the demise of the second largest of Korea's chaebols will spur others to restructure to avoid a similar fate. However, there is a worry that economic recovery has taken some of the pressure off chaebol chiefs. Steven Irvine reports

Ireland: Roar of the Celtic euro-tiger

Euromoney September 1999

Ireland has transformed its economy in recent years, luring multinational companies by offering low taxes and well-educated labour. Its participation in European economic and monetary union has also been an attraction. The economy has boomed. Ireland is running budget surpluses and paying down its debt out of privatization proceeds. But being a small nation in euroland also brings difficulties, like wholly inappropriate interest rates. The Irish economic miracle could be heading for disaster -- extraordinary rates of growth could well lead on to rampant inflation. Nick Kochan reports

Landesbanks: Friedel Neuber über alles

Euromoney September 1999

After eight years of campaigning, Germany's private-sector banks finally won a judgment in Brussels against WestLB's contentious capital-raising scheme, striking a blow at the financing privileges of state-owned banks. But WestLB chairman Friedel Neuber barely missed a beat: in less than a month he had demonstrated his political shareholders' loyalty by arranging yet another capital increase. Cowed by an angry government, the private banks dare not take the challenge to its logical conclusion. They fear losing more than they would gain, says Laura Covill.

DEUTSCHE BANK - Exclusive interview: Rolf Breuer on Bankers Trust

Euromoney September 1999

Rolf Breuer, speaker of Deutsche Bank, defends the purchase of Bankers Trust

Central Bank Governor of the year: Fraga's quiet revolution

Euromoney September 1999

When Armínio Fraga quit his job at Soros Fund Management to become Brazil's central banker he was dubbed a "poacher turned gamekeeper". But he is no stranger to the public sector. With stability restored he is now modernizing Brazil's finance sector. Brian Caplen reports

Editorial

Editorial: No need to panic

Euromoney September 1999

Front end

Front end: World Bank party poopers

Euromoney September 1999

Released from captivity

Euromoney September 1999

IMF as "judge and jury"

Euromoney September 1999

Berlin blooper

Euromoney September 1999

Ethics by numbers

Euromoney September 1999

The not-so swinging office

Euromoney September 1999

Staff defy Reed's pessimism

Euromoney September 1999

Don't wind me up

Euromoney September 1999

Keep on running

Euromoney September 1999

What's in a name?

Euromoney September 1999

Market monitor

Deal insider

Emerging markets

Against the tide

Financial lawyer

Questions of seniority and majority

Euromoney September 1999

As the risk of a round of sovereign bond rescheduling looms, bondholders are dusting off the documentation to see what it says. By Christopher Stoakes

Flipside

Mickey Mouse and the unreal city

Euromoney September 1999


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