#JP Morgan

29 07, 2024

Karen Petrou: How Big Banks Play Politics for Keeps

2024-07-29T09:22:36-04:00July 29th, 2024|The Vault|

A lot of questions I’ve gotten of late about the presidential election are premised on a false assumption:  financial firms are Republican and the shift at the top of the Democratic ticket and better electoral odds has thus sent a shiver down many well-tailored spines.  But, major financial companies are for the most part brutally pragmatic about pretty much everything and this applies with particular force when it comes to playing politics in a tightly-fought election.  This year’s presidential politics are more than lively, but it’s still absolutely no different when it comes to big financial companies and the sides they take. Here’s why.

First, let me make clear which big financial companies I’m talking about.  Hedge funds and some private-equity companies are branded as much by their leaders as by what they actually return to investors.  The higher the profile of the manager, the bigger the impact they imply they make on Wall Street and the bigger the implied impact they make on national policies, the bigger a role some investors think these leaders play on the Street.  This is an image-dependent financial-market and political feedback loop, and it often works astonishingly well.  Playing big in politics or, at least, giving more or less big in highly-publicized ways burnishes a “big foot” image and, even when some investors disagree, they often stay put – see Bill Ackman.

Big financial companies answerable to powerful regulators and diverse shareholders cannot afford big political profiles on candidates or hot-button issues.  When CEOs …

10 07, 2023

Karen Petrou: The Bankruptcy of Bank-Merger Policy

2023-07-10T14:18:07-04:00July 10th, 2023|The Vault|

On Wednesday, a Senate Banking subcommittee will consider bank-merger policy, surely providing a platform for its chair, Sen. Warren’s pronounced views opposing all but the smallest bank mergers and maybe not even those.  Many other senators are not as adamant, but even pro-business Republicans – see J.D. Vance – think bank mergers beyond the itty-bitty are at best problematic.  The politics of this debate is obvious; the substance not so much.  As with many other questions, bank-merger policy is best set with a keen understanding of recent, objective research and what it actually says about concentration as it occurs outside the gaze of those fearful only of still bigger big banks.

That there is undue market power in a financialized economy that brings a raft of woes is all too clear.  I thus hoped that Assistant Attorney General Kanter’s remarks last month would be a meaningful update of the Department of Justice’s anachronistic 1995 policy.  It helped, but only a bit because Mr. Kanter focused principally on enforcement, leaving “broader” questions solely to the banking agencies.

They in turn have long promised a transparent merger policy, but it’s still deal-by-deal, case-by-case, crisis-by-crisis.  More than a few mid-sized banks will wither away as deliberations continue because the sheer uncertainty and delays of most bank mergers undermine their economic value, particularly at a time of high interest rates, slow or no growth, tough new rules, and withering competition.

Recent antitrust research does not substantiate easy, blanket assertions about the benefits or …

27 06, 2023

FedFin on: Failed-Bank Compensation, Resolution

2023-06-27T16:13:11-04:00June 27th, 2023|The Vault|

The Senate Banking Committee has overwhelmingly approved bipartisan legislation to reform executive compensation following larger insured-depository institution (IDI) failures, with parent-company executive compensation also at risk in some circumstances.  Unlike previous bipartisan claw-back legislation, this measure is targeted to incentive compensation, not salary, expressly exempts “white knights,” institution-affiliated persons and directors, and gives the FDIC discretion also to allow senior officers to retain affected compensation in certain other circumstances…

The full report is available to retainer clients. To find out how you can sign up for the service, click here and here.poor management practice.

 

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