r*t
2 楼
还是都是全副的?
e*t
6 楼
35 1.8 DX
r*m
7 楼
BAC这种怎么FA啊?就是大多数MM也搞不清啊。
L*n
9 楼
BAC @ $12 was selling at 50% of its book value. now has some of the
potential liability priced in.
potential liability priced in.
r*t
10 楼
可惜奸C很少。
L*n
13 楼
if we are lucky enough to see single digit, it'll be like C at $2. i'll buy
in the IRA account and just hold.
in the IRA account and just hold.
u*e
26 楼
On Sep 30th 2010:
* Book value per share: $21.17
* Tangible book value per share: $12.91
* Earning Asset: $1902 billion ( Total Asset: $2456 billion)
* Deposit: $982 billion
* Shareholder Equity: $232 billion
About "Mortgage banking"
* Total mortgage service fee: $3.7 billion ( typically 25 - 45 basis points
of the unpaid principal balance)
* about 45% are non-conforming loans, 55% sold to Fannie Mae
"Mortgage Banking" Risk analysis:
* if 20% of the non-conforming were forced to be bought back, the bank would
have to take loss on those non-conforming loans since only those losing
loans will be bought back.
* The loss of those bought back losing loans could go as high as 25%
Based on the worst case above, the maximum total potential "mortgage banking
" loss would be estimated to be around $60 billion
On this worst case, the shareholder equity needs to be reduced by $60
billion ( or 25.8% )
On Sep 30th, the stock was closed at $13.10, so the worst case of all is to
have a price declined to $9.72.
【在 j*****h 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: MB, 全是TA捞底的
: 就没一个可以给个理性FA BAC 的
: 求高人,出尽家财
* Book value per share: $21.17
* Tangible book value per share: $12.91
* Earning Asset: $1902 billion ( Total Asset: $2456 billion)
* Deposit: $982 billion
* Shareholder Equity: $232 billion
About "Mortgage banking"
* Total mortgage service fee: $3.7 billion ( typically 25 - 45 basis points
of the unpaid principal balance)
* about 45% are non-conforming loans, 55% sold to Fannie Mae
"Mortgage Banking" Risk analysis:
* if 20% of the non-conforming were forced to be bought back, the bank would
have to take loss on those non-conforming loans since only those losing
loans will be bought back.
* The loss of those bought back losing loans could go as high as 25%
Based on the worst case above, the maximum total potential "mortgage banking
" loss would be estimated to be around $60 billion
On this worst case, the shareholder equity needs to be reduced by $60
billion ( or 25.8% )
On Sep 30th, the stock was closed at $13.10, so the worst case of all is to
have a price declined to $9.72.
【在 j*****h 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: MB, 全是TA捞底的
: 就没一个可以给个理性FA BAC 的
: 求高人,出尽家财
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