Tuesday, 13 February 2024

US Inflation Day One. A New US CRE Bank Crash?

Baltic Dry Index. 1572 +27            Brent Crude  82.13

Spot Gold 2022                  US 2 Year Yield 4.4- +0.02

This is the way things are, and the Game has been so successful that, like everything, it will get more and more successful until it stops being successful.

George Goodman, aka Adam Smith, The Money Game. 1968.

It is US Consumer Price Index day. What could possibly go wrong? Buy Bitcoin as a hedge against the latest stock casino mania?

Oh wait, Bitcoin is in a bubble all of its own and has no intrinsic value or any other value except finding a greater fool buyer.

That this doesn’t end well is a given, bubbles and manias never end well as history shows, but when?

My guess is March 11th, when the Fed’s emergency bank bailout program, the Bank Term Funding Program (BTFP) ends and US banks must somehow replace the emergency relief.


Asia stocks nudge higher, dollar steady ahead of US inflation report

By Ankur Banerjee 

SINGAPORE, Feb 13 (Reuters) - Asian stocks inched higher and the dollar held steady on Tuesday ahead of a key U.S. inflation report that could help shape the Federal Reserve's rates outlook and determine the timing of interest rate cuts.

Bitcoin remained strong after crossing $50,000 for the first time in over two years, thanks to inflows into exchange traded funds backed by the digital asset. It was last at $50,0097 in Asian hours.

MSCI's broadest index of Asia-Pacific shares outside Japan (.MIAPJ0000PUS) opens new tab was 0.15% higher in early trading. The index is down 3% so far in the year.

Japan's Nikkei (.N225) opens new tab on the other hand has carried on from last year and is up 12% for the year. On Tuesday, the index rose 1.7% to hit a fresh 34-year high on the back of a weak yen which is nearing the closely-watched 150 per dollar level.

China's financial markets are closed for the Lunar New Year holiday and will resume trade on Monday, Feb. 19, with Hong Kong markets due to resume on Feb. 14, leaving trading in Asia subdued and taking cues from the Wall Street.

On Monday, the Nasdaq (.IXIC) opens new tab slipped in the afternoon session after briefly surpassing its record closing high from November 2021. The benchmark S&P 500 (.SPX) opens new tab closed lower but remained just above the 5,000-point level it crossed on Friday. E-mini futures for the S&P 500 fell 0.16%.

Investor attention this week will be on crucial reports on January's U.S. Consumer Price Index (CPI), due later in the day, and Producer Price Index, scheduled to be released on Friday.

A slew of recent data, led by strength in the labour market, has underlined the resilience of the U.S. economy and pushed traders to scale back expectations of early and deep interest rate cuts from the Fed.

Markets have all but chalked off chances of a rate cut in March, with traders pricing in a 13% chance of an easing compared with 77% a month earlier, the CME FedWatch tool showed.

Economists polled by Reuters expect CPI to rise 2.9% on a year-on-year basis, down from 3.4% in the previous month, with annual core CPI inflation also expected to slow to 3.7% in January from 3.9% a month earlier.

More

Asia stocks nudge higher, dollar steady ahead of US inflation report | Reuters

 

Stock futures slip after fresh Dow record, Wall Street looks to inflation data: Live updates

UPDATED MON, FEB 12 2024 7:44 PM EST

Stock futures ticked lower on Monday evening as investors prepared for a key inflation report.

Futures tied to the Dow Jones Industrial Average lost 43 points or 0.1%. S&P 500 futures slipped 0.1%, while Nasdaq 100 futures dropped 0.2%.

Shares of Avis Budget Group slipped about 2% in extended trading after fourth-quarter revenue missed analyst estimates. JetBlue Airways spiked 16% after activist investor Carl Icahn reported a nearly 10% stake in the airline.

In regular trading, the 30-stock Dow closed at a fresh record. The S&P 500 ended the day lower by nearly 0.1%, but the broad-market index just closed above 5,000 for the first time on Friday. The Nasdaq Composite slipped 0.3%. All three of the major averages are riding a five-week winning streak.

“I think if anything, all this talk about how narrow the market has been [is] overstated,” Strategas head of technical and macro research Chris Verrone said on CNBC’s “Closing Bell: Overtime” on Monday. “The small caps are getting better, the equal-weight S&P just made a two-year high, [so] this idea that it’s just been five six or seven stocks driving this whole thing I think is misleading.”

Investors will now look to the January consumer price index report for the latest read on price pressures, due Tuesday morning. The results of the report will likely be closely watched by Federal Reserve officials as they weigh a path forward on rate policy.

Headline inflation is expected to have increased 0.2% month over month and 2.9% from a year earlier, according to economists polled by Dow Jones. Core prices, which exclude volatile food and energy components, are expected to have increased 0.3% in January and 3.7% from a year earlier, respectively.

Earnings on deck for Tuesday include soft drinks giant Coca-Cola, toymaker Hasbro and Marriott International in the morning. Casino operator MGM Resorts and kidney dialysis company DaVita will post results after the close.

Stock market today: Live updates (cnbc.com)


In other news, a commercial real estate crash next?

 

Real estate pain for US regional banks is piling up, say investors

By Carolina MandlMatt Tracy and Saeed Azhar 

NEW YORK/WASHINGTON, Feb 12 (Reuters) - New York Community Bancorp's (NYCB.N) opens new tab exposure to commercial real estate has intensified investor scrutiny around regional banks, with some expecting more pain for those with office and multifamily property loans.

Fears about the health of the smaller banks have escalated again a year after the collapse of Silicon Valley Bank in spring of 2023 triggered a regional banking crisis.

NYCB's recent earnings release which sparked a dive of about 60% in its shares has particularly focused investors on combing through portfolios of regional banks, as small banks account for nearly 70% of all commercial real estate (CRE) loans outstanding, according to research from Apollo.

“As long as interest rates stay high, it's hard for the banks to avoid problems with CRE loans," said short-seller William C. Martin of Raging Capital Ventures, who decided to place a bet against NYCB after the bank's disastrous Jan. 30 earnings release which detailed real estate pain and led him to believe that shares could sink further on more real estate losses.

Martin, who shorted Silicon Valley Bank last year before its collapse, said he shorted NYCB because he thought its earnings power would be diminished and that it might have to raise capital. NYCB said on Wednesday that a capital increase is an option, but that it has no plan to do this "right at the moment."

The bank declined to comment on the short-seller's view.

"The regional banks ... (are) doubly more exposed to rates," said Dan Zwirn, co-founder and CEO of distressed debt investment firm Arena Investors, who is avoiding real estate for the next year or two, citing in part higher risk of default. The KBW Regional Banking index (.KRX) opens new tab is down around 11% since NYCB's announcement.

The CRE market has been hit by the repercussions of the COVID-19 pandemic. Delinquency rates on commercial mortgage-backed securities (CMBS) are expected to rise to 8.1% in 2024, according to Fitch, as many companies struggle to convert remote and hybrid-working employees. Meanwhile CMBS loan delinquencies in commercial multifamily - housing properties with more than five units - are expected to touch 1.3% in 2024 versus 0.62% in 2023.

CRE has also faced pressure from higher interest rates where roughly $1.2 trillion in commercial mortgages are set to mature this year and next, Goldman Sachs research showed.

Some have also assigned greater risk to commercial multifamily assets in New York City.

More

Real estate pain for US regional banks is piling up, say investors | Reuters

Finally, what happens to EV sales when government subsidies stop. Well in Germany, so do sales. Approx. 8 minutes.


EV market destroyed in Germany after the German Government did this...

The Electric Viking

EV market destroyed in Germany after the German Government did this... (youtube.com)

 

Global Inflation/Stagflation/Recession Watch.

Given our Magic Money Tree central banksters and our spendthrift politicians, inflation now needs an entire section of its own.

Winter recession to be confirmed for UK economy – but experts are upbeat about 2024

February 12, 2024

New figures are likely to confirm that the UK economy fell into a shallow recession in the second half of last year, but experts are hopeful that 2024 will be a better year.

City economists think that UK GDP shrunk by 0.3 per cent in December, meaning that the economy will have contracted 0.1 per cent across the fourth quarter.

December’s figures, set to be published on Thursday, will be weighed down by yet more strike action, which impacted both the health sector and rail industry.

Already published retail sales figures showed the steepest drop since January 2021 which will hit activity in the all-important services sector. The flurry of storms in December is also likely to have constrained construction activity.

The slight contraction in the final quarter of last year would come after a 0.1 per cent contraction in the third quarter, meaning the UK will have fallen into a recession. A recession is two consecutive quarters of negative GDP growth.

“It was a tough end to the year for the UK economy,” Ellie Henderson, economist at Investec noted.

The UK economy has struggled to generate any real momentum in 2023 as stubborn inflation and high interest rates have eaten into consumer spending power.

But most experts said that focusing excessively on a recession would create a misleading impression of the economy. Analysts at Pantheon Macronomics said “talk of a recession seems like overkill”.

“A better description of the trend might be stagnation,” Henderson said.

Data since the turn of the year has painted a much more positive picture too, suggesting the growth might pick up in 2024 as inflationary pressures ease.

Inflation dropped sharply in the final quarter of last year, ending 2023 at four per cent. Analysts at Deutsche Bank predict that real wages will grow at 1.75 per cent in 2024, making it one of the highest growth rates in the last decade.

Lower inflation has also fuelled bets that the Bank of England will start cutting interest rates in the first half of this year, easing the pressure on households further. Traders expect three rate cuts this year.

Business surveys suggest that activity has already started picking up this year, with private sector output accelerating for the third straight month in a row and at a faster pace than experts expected.

“The reality is the economy is now on the up,” analysts at Pantheon Macroeconomics said.

Winter recession to be confirmed for UK economy – but experts are upbeat about 2024 (msn.com)

Covid-19 Corner

This section will continue until it becomes unneeded.

Care home 'cooperating fully' as police probe 22 Covid pandemic deaths

Police are questioning management and staff at Fullarton Care Home in Irvine.

February 12, 2024

A care home is “cooperating fully” amid a police investigation into the deaths of 22 residents during the Covid pandemic.

Management and staff are being questioned at Fullarton Care Home in Irvine, North Ayrshire, one of the worst hit facilities in Scotland as coronavirus spread across the country.

Police Scotland’s Major Investigations Team is speaking to the families of 22 people that died at the home.

A Care Inspectorate report issued in May 2020 had raised issues around hygiene, infection control and inconsistent use of PPE in Fullarton Care Home.

A dedicated Crown Office unit, the Covid-19 Death Investigation Team, was set up in May 2020 to examine deaths linked to Covid at 474 care homes in Scotland.

A spokesperson for Fullarton Care Home said: “Our thoughts and sympathies remain with all those who lost loved ones during the pandemic.

“Police Scotland, on the instruction of the Crown Office and Procurator Fiscal Service, are investigating all deaths that occurred in all care homes across Scotland during this time, and we are cooperating fully and openly in line with this national review.”

Following investigations, prosecutors will determine if any of the deaths in care settings across Scotland should be subject to a fatal accident inquiry or prosecution.

Assistant chief constable Bex Smith said: “We understand how upsetting and difficult this is for the many families who lost loved ones as a result of the Covid pandemic.

“Police Scotland is supporting the Crown Office and Procurator Fiscal Service (COPFS) review into deaths in care homes.

“While we continue to gather information, a number of investigations have now commenced at the request of COPFS.

“As the investigations are ongoing it would be inappropriate to comment further.”

Care home 'cooperating fully' as police probe 22 Covid pandemic deaths | STV News

Technology Update.

With events happening fast in the development of solar power and graphene, among other things, I’ve added this section. Updates as they get reported.

28-ton, 1.2-megawatt tidal kite is now exporting power to the grid

Loz Blain  February 11, 2024

Minesto's fully operational Dragon 12 looks like some sort of futuristic military drone – but it behaves remarkably like a kite underwater. It uses lift generated by tidal flows to fly patterns faster than the currents, harvesting renewable energy.

Solar energy is the bedrock of most renewable energy grid plans – but lunar energy is even more predictable, and a number of different companies are working to commercialize energy generated from the regular inflows and outflows of the tides.

One we've completely missed is Minesto, which is taking a very different and remarkably dynamic approach compared to most. Where devices like Orbital's O2 tidal turbine more or less just sit there in the water harvesting energy from tidal currents, Minesto's Dragon series are anchored to the sea bed, and fly around like kites, treating the currents like wind.

Just as land-based wind energy kites fly in figure 8 patterns to accelerate themselves faster than the wind, so does the Dragon underwater. This, says Minesto, lets the Dragon pull more energy from a given tidal current than other designs – and it also changes the economic equations for relevant sites, making slower tidal flows worth exploiting.

These are by no means small kites – the Dragon 12 needs to be disassembled to fit in a shipping container. It rocks a monster 12-meter (39-ft) wingspan, and weighs no less than 28 tons. But compared to other offshore power options like wind turbines, it's an absolute minnow, and extremely easy to install using a single smallish boat and a sea bed tether.

As with any renewable energy project, the key figure here is LCoE (levelized cost of energy) – so what's it gonna cost? Well, back in 2017, Minesto projected about US$108/MWh once its first hundred megawatts of capacity are installed – with costs falling thereafter as low as $54/MWh.

For an unfair comparison, Orbital has claimed it's hoping for an LCoE less than $253/MWh for its very first O2 tidal turbine, a figure that'll drop with scale, and fixed-bottom offshore wind projects in 2022 had an estimated average LCoE around $89/MWh in 2022, according to the US DoE.

The Dragon 12, like other tidal devices, will be more effective in some places than others – and Denmark's Faroe Islands, an archipelago in the chilly North Atlantic between Scotland and Iceland, offer ideal conditions. Home to about 55,000 people and more than a million puffins, the Faroe Islands funnel tidal currents through a number of slim channels. This accelerates the water significantly, and thus increases the energy that devices like the Dragon 12 can harvest.

That's where the first Dragon has been deployed, and on Friday, it was connected to the local power grid to begin delivering energy.

"This is a big day for Minesto," said Dr Martin Edlund, CEO of Minesto, in a press release. "We have reached the most significant milestone in the history of the company by producing electricity to the grid with our mega-watt scale powerplant. We are both proud and happy and more than ever look forward to the journey ahead ... The competitiveness of the Dragon 12 is straight to the point; it's powerful, cost-effective and feeds predictable electricity to the grid."

Video.

28-ton, 1.2-megawatt tidal kite is now exporting power to the grid (newatlas.com)

Somebody has to be on the other side.

George Goodman, aka Adam Smith. The Money Game. Why Are The Little People Always Wrong?

 

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