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  1. Join Date
    Sep 2003
    Posts
    21,876
    #3281
    Metrobank 1.25Y Bond
    Final rate is 3% gross
    Quarterly coupon payment
    Min placement is Php 1M
    Issue size up to Php 10B
    Short offer only; may close anytime
    Tentative settlement date is June 22


    CHINABANK 2Y BOND
    Indicative rate is between 2.75% to 3% gross (2.2% to 2.4% net)
    Quarterly coupon payment
    Min placement is Php 5,000,000 (via Chinabank Capital)
    Tentative offer period TBD
    Tentative settlement date is Oct 20



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  2. Join Date
    Oct 2002
    Posts
    19,524
    #3282
    Quote Originally Posted by uls View Post
    in theory it's suppose to

    in theory lower rates should encourage borrowing

    but the real world doesn't always work according to theory

    this is Japan

    Their central bank has maintained ultra low rates for more than 20 years and they still can't create inflation*



    *you create inflation when you have healthy credit creation
    Did their banks pass on the lower rates to borrowers?
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  3. Join Date
    Sep 2003
    Posts
    21,876
    #3283
    Quote Originally Posted by uls View Post
    in theory it's suppose to

    in theory lower rates should encourage borrowing

    but the real world doesn't always work according to theory

    this is Japan

    Their central bank has maintained ultra low rates for more than 20 years and they still can't create inflation*



    *you create inflation when you have healthy credit creation
    Japan's Lost Decade...

    The Lost Decade or the Lost 10 Years (失われた十年, Ushinawareta Jūnen) was a period of economic stagnation in Japan from about 1991 to 2001, caused by the Japanese asset price bubble's collapse in late 1991. From 1991 to 2003, the Japanese economy, as measured by GDP, grew only 1.14% annually, well below that of other industrialized nations.

  4. Join Date
    Nov 2005
    Posts
    34,875
    #3284
    Quote Originally Posted by boybi View Post
    Did their banks pass on the lower rates to borrowers?
    yes bumaba naman ang lending rate ng commercial banks



    take note it was gradual

    hindi ung after nag rate cut ang central bank nila nagbaba din agad ang commercial banks nila
    Last edited by uls; September 29th, 2020 at 06:24 PM.

  5. Join Date
    Nov 2005
    Posts
    34,875
    #3285
    it's not all bad news out there

    pinoy fintech PayMongo gets a 12 million dollar capital injection

    Philippines payment processing startup PayMongo lands $12 million Series A led by Stripe – TechCrunch

  6. Join Date
    Sep 2003
    Posts
    21,876
    #3286

  7. Join Date
    Oct 2002
    Posts
    34,080
    #3287
    New Philippine Tax Adds More Pain to Pandemic-Hit Online Casinos

    Tsupi! Kung hinde kaya bayaran bagong tax!


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  8. Join Date
    Nov 2005
    Posts
    34,875
    #3288
    we were talking this about the the other day

    Banks' hesitation to lend persists with loan growth at 13-year low | Philstar.com

    weak bank lending

    not only because of the risky environment, there's no demand for loans

    “Bank lending growth continued to moderate as a result of weaker corporate sector performance, declining loan demand, and risk aversion among banks,” the central bank said.

    i mentioned that there are limits to what central banks can do

    BSP did everything it can

    If anything, the August outturn highlights the limits of the BSP’s power to rescue the economy from a pandemic-induced recession. BSP officials are aware of this, but have nonetheless gave everything in their power to prompt banks to lend and consumers to borrow and spend, albeit so far failing.

    plans are put on hold

    no plans to expand, invest

    so no demand for loans

    “With job losses mounting and uncertainty on future earnings prospects limited, households and corporates have opted to preserve cash for immediate concerns while shelving expansion or investment plans to a later date,” Mapa explained.

    there's lots of money to lend

    but no demand

    “Unfortunately, as we’ve seen many times before, you cannot simply throw money at the problem as the root cause of anemic bank lending is poor demand and not lack of supply of funds,” Mapa explained.
    Last edited by uls; October 2nd, 2020 at 07:51 PM.

  9. Join Date
    Oct 2002
    Posts
    19,524
    #3289
    Quote Originally Posted by uls View Post
    we were talking this about the the other day

    Banks' hesitation to lend persists with loan growth at 13-year low | Philstar.com

    weak bank lending

    not only because of the risky environment, there's no demand for loans




    i mentioned that there are limits to what central banks can do

    BSP did everything it can




    plans are put on hold

    no plans to expand, invest

    so no demand for loans




    there's lots of money to lend

    but no demand
    Try lowering their lending rates, baka may kumagat.
    Signature

  10. Join Date
    May 2006
    Posts
    1,595
    #3290
    Try lending to airlines. Kakagat yan. Basta may government guarantee.

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Philippine Economy Talk