UPDATE 1-SNB launches reverse repos to drain liquidity

ZURICH, July 5 (Reuters) – The Swiss National Bank on Monday launched its first reverse repo operation since the global crisis began, adding a new policy tool to its efforts to drain excess liquidity created by its massive currency interventions.

The central bank, which said it will take cash from banks for one week at a rate of 0.09 percent, SNBAUCT1, announced it would launch reverse repos at its policy meeting in June, without giving a date.

It has previously used reverse repos only on very rare occasions to fine-tune market rates. The SNB has also increased the issuance of its own debt via SNB bills with maturities of up to 6 months in order to mop up the tens of billions of francs it has pumped into the market to stem the currency’s rise against the euro.

The massive currency interventions have flooded the market with cash, driving the 3-month Swiss franc LIBOR — the SNB’s targeted interest rate, which is set by markets — down to record lows of around 0.07 percent. CHF3MFSR=

The SNB dropped a pledge to intervene in the currency market at its monetary policy assessment in June, saying deflation risks have largely disappeared thanks to the ongoing economic recovery.

The LIBOR crept up to a fixing of 0.11 percent on Friday and traders said the reverse repo should help to bring the rate back to the SNB’s target of 0.25 percent slowly but steadily.

“Money market rates are ticking up,” one trader said. “The SNB will be taking a cautious approach though.”

Banks’ sight deposits with the central bank — an indication of excess money in the market — shrank from a high of above 100 billion francs at the end of May to some 55 billion francs at the end of last week.

At the SNB’s quarterly meeting in June, SNB board member Jean-Pierre Danthine attributed the falling sight deposits to the increased issuance of SNB bills.

The SNB only publishes data on the volumes of SNB bills outstanding at the end of a month in its monthly statistical bulletin. The next bulletin is due on July 21.

Sight deposits were usually around 5 billion francs before the SNB launched its ultra-loose monetary policy to combat a deep recession and deflation risks.

At current levels, banks hold some seven times the amount required under the central bank’s minimum reserve rules.

(Reporting by Sven Egenter; editing by John Stonestreet)

EURO GOVT-Bunds up on weak Chinese data, Spain eyed

July 1 (Reuters) – German Bund futures opened higher on Thursday with weak Chinese data adding to global growth fears and euro zone sovereign debt worries in focus after rating agency Moody’s placed Spain’s Aaa rating on review for a cut. Signs that economic growth in China was slowing saw U.S. government debt rally and equities fall sharply in Asian trading as investors sought out safe-haven assets.

“The weak Chinese PMIs have weighed on Asian stocks… risk assets are going to be under pressure early on,” said a trader in London.

At 0610 GMT, the Bund future FGBLc1 was 19 ticks higher at 129.57. The 10-year German bond yield DE10YT=TWEB was at 2.557 percent, down 2.5 basis points while the two-year Schatz yield DE2YT=TWEB was flat at 0.607 percent.

Moody’s Investors Service said late on Wednesday that it may cut Spain’s triple-A local and foreign currency government bond ratings after a three-month review. Ratings agency Fitch cut Spain’s triple-A credit rating to AA-plus in late May.

Spain will issue up to 3.5 billion euros of bonds later in the session.

“Today’s auction of the SPGB 3 percent April 15 may well turn out as a very important yardstick regarding how comfortable the investor community is with the outlook for Spain,” said Commerzbank analysts in a note.

The 10-year Spanish bond yield spread over German bunds had narrowed in the previous session after a lower-than-expected take up of European Central bank funds had soothed some worries over banks’ reliance on ECB funding.

Emergency 12-month loans worth 442 billion euros will be repaid to the ECB, while the central bank will offer banks a further opportunity to borrow funds at a six-day tender later in the session.

The result of the six-day tender will give a clearer picture of the excess liquidity within the euro system after money market rates rose in anticipation of a liquidity squeeze after Wednesday’s low borrowing.

The EONIA overnight unsecured lending rate EONIA= jumped to 0.542 percent at its daily fixing, up from 0.325 percent on Tuesday. (Reporting by William James)

QIB invests $343 million in government-issued sukuk

June 20 (Reuters) – Qatar Islamic Bank (QISB.QA) (QIB) invested 1.25 billion riyals ($343.6 million) in an Islamic bond, or sukuk, issued by the Qatar central bank on behalf of the government to boost the domestic bond market.

Financials

QIB, the Gulf state’s second biggest lender by market value, said in a statement issued on Sunday that the investment is governed by an 8-year lease that runs until June 1, 2018.

“The government’s participation in this investment initiative will directly enhance the local economy,” said Sala Jaidah, chief executive of QIB.

Qatar issued 10 billion riyals ($2.75 billion) worth of eight-year conventional Islamic bonds with a coupon of 6.5 percent to local banks earlier in June in an effort to develop the domestic bond market, and provide a new vehicle to pool the excess liquidity in the Gulf state’s banking sector. [ID:nLDE6500W4]

“The issuance of the lease sukuk investment in domestic currency aims to diversify the financing industry, consolidating local sukuks and supports the dynamic participation of Islamic financial institutions in funding the governmental sector,” Jaidah said in the statement. (Reporting by Shaheen Pasha; Editing by Dinesh Nair)

MONEY MARKETS-Euro Libor dips after ECB extends liquidity

LONDON, June 11 (Reuters) – Euro Libor rates edged down on
Friday on expectations the extended provision of unlimited
European Central Bank longer-term liquidity will keep interest
rates anchored for many more months.

The ECB extended on Thursday its three-month full allotment
liquidity providing operations until September. It reinstated
such operations in May as interbank markets showed signs of
renewed stress, a partial reversal of the central bank’s
fledgling exit strategy.

The ECB had already said it would provide unlimited one-week
and one-month operations until October, but analysts expect
these also to be extended until at least the end of the year.

“This would virtually guarantee that the overnight liquidity
overhang will keep Eonia rates depressed into 2011,” said Lena
Komileva, head of G-7 economics at Tullett Prebon.

The Eonia EONIA= overnight rate fixed at 0.334 percent,
close to where it has been since the third quarter of 2009.

The Euribor interest-rate futures strip <0#FEI> flattened as
the market strengthened its view that euro zone interest rates
would remain at their record low 1 percent.

Commerzbank said expectations for a first ECB rate hike
remain centred on mid-2012, while Eonia is only seen topping 1
percent after the end of 2011 as enough excess liquidity is
expected to remain in the system.

That is despite 442 billion euros of one-year funds maturing
at the beginning of July.

“Despite the 442 billion expiry and the resulting drop in
deposit facility usage, excess liquidity is likely to remain
large enough to keep Eonia rates close to where they are in
coming months,” said Commerzbank rate strategist Christoph
Rieger.

But that may not be the case for Euribor interbank lending
rates, he added.

“With more banks looking to fund collateral from the 442
billion 12-month expiry in the market, the upside bias in
Euribor rates and spreads looks set to continue.”

Benchmark three-month Euribor rates EURIBOR3MD= inched up
to 0.719 percent, but the equivalent Libor rates < EUR3MFSR=>
were a fifth of a basis point lower at 0.65188 percent.

Morgan Stanley rate strategist Laurence Mutkin said Eonia
would probably only rise if excess liquidity in the euro zone
financial system fell below around 40 billion euros.

It stands at more than 300 billion euros with record amounts
above 365 billion euros being deposited at the ECB overnight.

“What nobody knows is how much of that is there in
preparation for the one-year funds rolling off or how much is
there because that’s where banks feel most comfortable putting
their money,” Mutkin said.

Three-month U.S. dollar Libor rates < USD3MFSR=> were a
touch higher at 0.5376 percent.

Japan Kan: told China to make wise decision on yuan

BEIJING, April 3 (Reuters) – Japanese Finance Minister Naoto Kan said on Saturday he told Chinese Premier Wen Jiabao he expects China to make a wise decision on the issue of its yuan currency.

Bonds

“The issue of the yuan, currencies and excess liquidity are related to each other. I told him that I expect China to make a wise decision ,” Kan, who is also deputy prime minister, told reporters after meeting Wen in Beijing.

Kan said he made no specific request about the yuan.

“With regard to Japan-China trade, Japan has no major problems concerning the yuan,” Kan added.

In Washington on Friday, U.S. Treasury Secretary Timothy Geithner said the Obama administration wants to “maximise the chances” that China will quickly lift the value of the yuan and expressed confidence Beijing would decide doing so was in its interest.

His comments, which come as the Treasury Department prepares a hotly anticipated report that could brand China a currency manipulator, suggested the Obama administration was wary of applying too much pressure on China.

Beijing has kept the yuan steady since July 2008, when the global financial crisis significantly worsened, after allowing it to gradually rise for the previous three years.

Saturday’s meeting between Kan and Wen was held ahead of regular bilateral talks, the third in a series, aimed at deepening financial dialogue between Asia’s two economic giants. (Reporting by Tetsushi Kajimoto)

Growth rate can go beyond 6 percent: Pranab Mukherjee

New Delhi, Aug. 28 (ANI): Union Finance Minister Pranab Mukherjee on Friday said that India may be able to attain over six per cent growth rate in the current fiscal.

“In the last five years, the GDP growth rate was eight per cent. It was 6.7 per cent in 2008-09. This year, it would be difficult to say because of drought. If there is no major difficulty or constraint, it would be possible to have a six plus per cent of GDP in 2009-10,” he said during an interaction with members of Editors Guild of India in New Delhi.

Last year, he noted, had been particularly difficult in the second half because of high prices of petroleum products, high rate of inflation and global financial crisis.

Mukherjee said excess liquidity had to be mopped up and the two packages announced by the Prime Minister late last year and subsequent pacakges in the wake of the meltdown had helped arrest the fall in growth.

After referring to drought and other problems, he said his another area of concern was that people were commenting about the reforms agenda.

“Reforms are a continuous process. It is going in the right direction. There is no scope for anxiety about pursuing financial sector reforms.” (ANI)

American Riviera Bank Announces Record Growth

SANTA BARBARA, Calif.–(Business Wire)–
American Riviera Bank (OTCBB: ARBV) today announced a record 65% annual growth
in total assets, reaching $131 million in assets as of March 31, 2009.

American Riviera Bank reported total loans of $91 million as of March 31, 2009
(1Q2009), an increase of 35% or $24 million, from March 31, 2008 (1Q2008) and 5%
growth from December 31, 2008 (YE2008). The Bank`s sustained focus on deposit
growth yielded total deposits of $105 million as of 1Q2009, an increase of 80%
or $46 million, from 1Q2008 and a $20 million increase from YE2008. “We are
pleased to have the support of our community. This strong deposit growth allows
us to continue to serve our clients by providing a safe alternative for their
deposits while funding loans to qualified individuals and local businesses,”
said Jeff DeVine, the Bank`s President and CEO.

As a result of the significant deposit growth, the Bank achieved higher than
expected liquidity. While these deposits will provide a long-term source for
continued loan growth, in the short-term, this excess liquidity had to be
conservatively invested in high-quality, low-yielding investments, thereby
reducing the Bank`s net interest margin in 1Q2009. As loan yields have remained
steady, the Bank expects to see the net interest margin improve in 2Q2009 as
these funds are utilized for loans. The Bank had no delinquent loans, no
non-accrual loans and no loan charge-offs in 1Q2009. The Bank recorded loan loss
provision in 1Q2009 of $46,000, primarily related to growth in the loan
portfolio, and maintained a loan loss allowance equal to 1.20% of outstanding
loans, which management considers adequate. Given the economic environment,
management remains vigilant in reviewing the loan portfolio and allowance for
potential future loan losses.

American Riviera Bank once again continued its trend of positive earnings and
reported $7,000 in net income for 1Q2009. The Bank did not apply for or accept
TARP or any other government subsidized capital infusions, and continues to
maintain a strong capital position with a Tier 1 Leverage ratio of 15% at
1Q2009, well above the regulatory guideline of 5% for well capitalized
institutions.

Company Profile

American Riviera Bank is a full service community bank, focused on serving the
lending and deposit needs of businesses and consumers in our community. The Bank
was founded in 2006 by over 400 local shareholders and has one branch located at
1033 Anacapa Street in downtown Santa Barbara.

Statements concerning future performance, developments or events concerning
expectations for growth and market forecasts, and any other guidance on future
periods, constitute forward looking statements that are subject to a number of
risks and uncertainties. Actual results may differ materially from stated
expectations. Specific factors include, but are not limited to, effects of
interest rate changes, ability to control costs and expenses, impact of
consolidation in the banking industry, financial policies of the US government,
and general economic conditions.

American Riviera Bank
Michelle Martinich, 805-965-5942
www.americanrivierabank.com

Copyright Business Wire 2009