2012年1月10日火曜日

欧米金融各社 人員削減

欧米金融各社が人員削減を始めるようだ。
 欧州の債務危機による金融市場の混乱を背景に欧米金融各社の収益が
悪化し、従業員を削減する動きが相次いでいる。世界の金融機関が2011年
に発表した人員削減計画数は20万人以上という推計もあり、債務危機が
実体経済に波及した形。

Morgan Stanley
・2012年1~3月期に全従業員の約3%に当たる約1,600人を削減
 今後3年間で14億ドルの経費削減を進める。
・NYC で、580人を削減
・株価が44%下がる

Bank of America
・2012年内に30,000人削減計画

City
・4,500人削減計画

Credit Agricole
・2,350人削減計画

UBS,Barclays,HSBC,RBS,Credit Suisse Group
・中旬までに合計70,000人以上の削減を発表

人員整理を発表している多くの金融機関は、FSBから、つぶさない銀行
として、指名されている。
詳細は不明だが、子会社を含めた決算報告が最短で1週間毎に提出とのこと。
書類作成専門部門を作らないと間に合わないが、費用対効果では、割に
合わない。

米住宅バブルがはじけ、住宅を失っている人に対して、金融機関の一部は、
住宅を原価割れで売却し、借入れで、再購入を勧めているようだ。
住宅が欲しければ、高額で、長期の多重ローンを抱えろと言う。
サブプライムで株式詐欺、住宅ローン債務者には高利貸し。
詐欺グループが、被害者をたらいまわししているように見える。

FSB つぶさない銀行を発表
格付け会社 規制強化案


---欧米金融各社:欧州の債務危機で収益悪化し人員削減へ---
毎日新聞 2012年1月4日 17時33分
http://mainichi.jp/select/biz/news/20120105k0000m020009000c.html

 欧州の債務危機による金融市場の混乱を背景に欧米金融各社の収益が悪化し、従業員を削減する動きが相次いでいる。世界の金融機関が2011年に発表した人員削減計画数は20万人以上という推計もあり、債務危機が実体経済に波及した形。金融機関の雇用環境は欧州にとどまらず、今後も深刻化する可能性がある。
 米金融大手モルガン・スタンレーは12年1~3月期に世界の全従業員の約3%に当たる約1600人を削減する。米メディアによると、同社は債券や株式の引き受け部門が低迷しており、今後3年間で14億ドル(約1100億円)の経費削減を進める考えだ。(ニューヨーク共同)


---欧米金融大手が人員削減 欧州危機、米銀にも波及---
2012年1月4日 17時04分
http://www.tokyo-np.co.jp/s/article/2012010401001043.html

 【ニューヨーク共同】欧州の債務危機による金融市場の混乱を背景に欧米金融各社の収益が悪化し、従業員を削減する動きが相次いでいる。世界の金融機関が2011年に発表した人員削減計画数は20万人以上という推計もあり、債務危機が実体経済に波及した形。金融機関の雇用環境は欧州にとどまらず、今後も深刻化する可能性がある。
 米金融大手モルガン・スタンレーは12年1~3月期に世界の全従業員の約3%に当たる約1600人を削減する。米メディアによると、同社は債券や株式の引き受け部門が低迷しており、今後3年間で14億ドル(約1100億円)の経費削減を進める考えだ。


---In Mortgage Crisis, Some Banks Agree To Cut Losses---
January 2, 2012
by Aarti Shahani
http://www.npr.org/2012/01/02/143601604/in-mortgage-crisis-some-banks-agree-to-cut-losses

There's an unfamiliar trend emerging in America's troubled housing market: Big banks are volunteering to lose money - hundreds of millions of dollars for themselves and investors - in order to save homes at risk of foreclosure. And they're doing it in record numbers.

In 30 percent of private loan modifications last year, banks were doing a principal write-down - that is, hacking away at the amount owed, as far down as the current market value. They're doing it so borrowers can actually afford payments. Two years ago, that 30 percent was just 2 percent.

After The Housing Bubble

Bank of America is leading the charge in Massachusetts. The Jordan family of Dorchester, Mass., is a Bank of America client. Sheila May Jordan, a nurse, bought her family house in 2006. She passed away four years later.

Her daughter, Sharon Jordan, inherited the house. Rummaging through old boxes, she discovered it was on the brink of foreclosure. Her mom had stopped paying the mortgage after a heart attack. Jordan called Bank of America immediately. "Is there any way that you all can help me help myself?" she asked them. "I don't want to lose the home. We worked too hard to get it."

Her mom had bought the house for $521,000. Then the housing bubble burst. Now it's worth half that. Jordan told Bank of America: "Sell it to me, and I'll buy it from you. But I don't want to buy it at that price."

She wanted 50 percent off, which is what it's worth. That would cut monthly mortgage payments in half, too. Her solution is called a principal write-down.

But Bank of America said "no."

Testing A New Concept

Elyse Cherry took that "no" for a "maybe." She's the CEO of a nonprofit group called Boston Community Capital. Cherry knew the bubble would burst well before it happened.

"What we saw were housing prices skyrocketing even though incomes were flat," she recalls. "We had a hairdresser come in who made an annual income of $23,000. She had a mortgage of $325,000."

Housing prices have plunged back down to earth. Cherry says it's time to match affordable homes with people who can actually afford them. That's her business, in fact: Boston Community Capital runs an investment fund.

Cherry is going to the major banks with an offer: "Sell everything that you've got at current market prices, so that you clear your books, you take your losses. And then you, as a healthier lender, can go back out and lend some more."

Boston Community Capital is willing to buy the most distressed homes at the going rate, and take on the risk of reselling to homeowners like Jordan. The nonprofit actually makes some money by selling at a slight markup.

In a foreclosure, banks make nothing. Worse yet, they lose - in missed mortgage payments, taxes, insurance and eviction fees. Cherry's appeal is simple: "We can reduce your costs."

Principal Write-Down Trend Spreads

Bank of America was the first to bite. They launched a pilot project with the nonprofit.

"We think this is a very good test and concept," says Rebecca Mairone, who leads efforts at Bank of America to help delinquent customers keep their homes. That job description might sound ironic, since Bank of America just settled a $335 million lawsuit for unfair practices related to its Countrywide unit - the largest settlement for housing discrimination in American history.

A few months ago, the bank mailed distressed borrowers some good news: They could apply to sell and repurchase their homes with the help of a Boston nonprofit. The solution isn't perfect. Some bank executives and investors are concerned that homeowners will default on payments, in what's known as strategic defaults, just to get the benefit of a cheaper house.

But Mairone says that fear is overblown. "In most cases, what we see is real hardship. People want to stay in their homes. They continue to pay. And they don't want their credit to be severely impacted as it is when a consumer stops paying their mortgage or other debt."

Turns out that other banks agree.

Laurie Goodman welcomes the trend. Her firm Amherst Securities sells mortgage-backed securities to investors. Even though her clients stand to lose millions, she says they lose millions more with foreclosures. "Most investors understand the fact they they're better off. I actually found it very, very encouraging."

Encouraging, she explains, because it's overdue housekeeping for America's economy. Banks clear their balance sheets, investors get a predictable stream of income, and homeowners stay homeowners.

Sharon Jordan, among the first participants in the Boston pilot project, just handed in her first down payment to buy back the family home at a discount. She takes a deep breath and says: "I'm nervous. I am, I'm nervous. But I can do this."


---Wall Street Job Cuts: Morgan Stanley May Kill 580 Jobs In NYC---
12/27/2011 @ 7:52PM
http://www.forbes.com/sites/halahtouryalai/2011/12/27/wall-street-job-cuts-morgan-stanley-may-kill-580-jobs-in-nyc/

Morgan Stanley‘s announced job cuts will likely hit its New York City-based employees the hardest with almost half of its layoffs coming from the Big Apple.

Earlier this month Morgan said it plans to cut 1,600 jobs through the first quarter. Many of those, 540, may come from New York City, according to a filing cited by Bloomberg.

That’s not much of a surprise since New York is the home of the investment bank’s worldwide headquarters.

Rolling layoffs began on December 15 with affected locations including 1221 Avenue of the Americas, 1 New York Plaza, 1585 Broadway and 750 Seventh Av, Bloomberg noted.

Morgan has said its total 1,600 job cuts, which represent 2.6% of its 62,648 employees, will affect all staff levels and geographic areas.

The job cut announcement comes as global banks struggle with a number of challenges including revenue contraction, the growing European debt crisis and an overall slowdown in the global economy. Morgan Stanley shares are down 44% this year as are shares of rival Goldman Sachs.

Today share of Morgan fell 3% to $15.29.

Job cuts on Wall Street are certainly not limited to Morgan Stanley. Bank of America has plans to cut about 30,000 jobs by the end of 2012. Citi recently confirmed plans to slash off 4,500 jobs.

Over in Europe the job cuts are just as harsh if not worse. Credit Agricole, France’s third largest bank by market value, said it will cut 2,350 jobs. European banks including UBS AG, Barclays Plc, HSBC Holdings Plc, Royal Bank of Scotland Group Plc and Credit Suisse Group AG have announced more than 70,000 job cuts since midyear, compared with 42,000 by U.S. peers, according to data compiled by Bloomberg.

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