US Banks Stress Test
IF a severe recession hits, how would the US banks fare? Based on the stress testing of the 23 large US banks, they have enough capital...
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Frank Tian
Jun 1, 20232 min read
All Roads Lead to the Bank?
While some banks are collapsing, other aspiring institutions are eager to become banks. Why? When the 2008 Great Financial Crisis hit,...
Frank Tian
May 23, 20231 min read
Canadian Banks Q2 Reserve Update
🇨🇦 Banks Q2 Reports Another quarter with a modest reserve increase. In Q2 (ending Apr), the collective reserves of the big 5 Canadian...
Frank Tian
May 13, 20232 min read
Buffet/Munger on Banking
If Forbes were to create a list of "90 Above 90", Buffett and Munger would be on it unanimously. On May 7, the 92 and 99 years young duo...
Frank Tian
May 1, 20231 min read
Chase/FRB Transaction Overview
Stayed calm - both the market and the public. The fall of First Republic Bank did not trigger the panic button as the previous bank...
Frank Tian
Apr 25, 20231 min read
US Banks Reserves Update
🚨 With the banking crisis in March, What is the impact on US banks' upcoming credit loss? Based on the latest Q1 ‘23 reserve changes,...
Frank Tian
Apr 23, 20231 min read
US Banks Mortgage Origination Continued to Tank
The top 4 banks saw their collected mortgage origination down ~80% in Q1 vs. the average in the last 3 years. 📍 Fast interest rate hikes...
Frank Tian
Apr 19, 20231 min read
US Banks Consumer Deposit Update
After the regional bank crisis in March, How is consumer deposit changing at the largest US banks? In Q1, the largest 4 US banks saw...
Frank Tian
Apr 17, 20232 min read
Another $1M Bet from Buffett
📱 A Missed Voicemail In September 2008, the then-president of Barclays, Bob Diamond, left a voicemail for Mr. Buffett, attempting to...
Frank Tian
Apr 1, 20231 min read
Canadian Banking - 100 Years History
After the 2008 Great Financial Crisis, a friend in Asia asked me what made Canada largely stay out of trouble. One of my colleagues said...
Frank Tian
Mar 26, 20231 min read
📈 Specialty Banks 📉
The traditional full-service banking model has been challenged by many specialized operators. However, the current banking crisis...
Frank Tian
Mar 20, 20231 min read
🏦 Public Assisted, Private Operated
The rescue of depositors in Silicon Valley Bank proves again the banking system is public assisted, privately operated. After all, banks...
Frank Tian
Mar 13, 20231 min read
🇨🇦 Bank Reserves
The 3-year Pandemic Journey 🇨🇦 Bank Reserves Big 5 Canadian banks started the 1st quarter in fiscal year ‘23 with another allowance...
Frank Tian
Feb 14, 20231 min read
📉 2023 Stress Test Scenario is Out
On Feb 10, the Fed released this year’s stress testing scenario. It is an annual exercise to gauge the largest US banks’ capabilities to...
Frank Tian
Jan 25, 20231 min read
An Unthinkable Partnership
Do you know who is enabling payments behind the coin purchase or virtual gift redemption on TikTok? Here is an unthinkable answer to...
Frank Tian
Jan 19, 20231 min read
🏚️ US banks’ Q4 Update - Mortgage
The mortgage origination continued to collapse. The top 4 banks - JP Morgan Chase, Bank of America, Citi, and Wells Fargo - collected...
Frank Tian
Jan 17, 20231 min read
🍺 Someone just won a beer over Apple Card.
As many are surprised that Goldman Sachs lost $1B over its Apple card portfolio, some are not. Who are they? The new deal teams at the...
Frank Tian
Jan 15, 20231 min read
🚨 US Banks Accelerated Reserve Building.
But it is not as bad as it sounds. The top 4 US banks accelerated their reserve building in Q4 ‘22: +$2.9B, or +4.4% Q/Q. This is the 3rd...
Frank Tian
Dec 10, 20221 min read
Canadian Banks Up Q4 '22 Reserve
🇨🇦 Big 5 Banks wraps up fiscal year ‘22 With a meaningful allowance Increase. In Q4 (ending Oct), the collective reserves are up 5.9%...
Frank Tian
Dec 7, 20221 min read
🏦 Chase pilots a pay-by-bank product
Even it competes with its own credit card. An ACH payment based on open banking Reduces risk of stored banking account info. Chase sees...
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