Adrian Docherty

[Adrian Docherty @what5updoc]

@lucydochertyxx @fwmarqix Let’s tell stories! X

[Adrian Docherty @what5updoc]

@jeuasommenulle Ironically look at the spam ad that appears for me under your post 🤣

[Adrian Docherty @what5updoc]

@jeuasommenulle Low NIM is good if you’re a mutual, which they mostly are in FR and DE

[Adrian Docherty @what5updoc]

@jeuasommenulle @aepau2 defence

[Adrian Docherty @what5updoc]

@jeuasommenulle More importantly, is that proforma or post management actions? (see EBA impact study for the EU GSIB with +25% increase 😳)

[Adrian Docherty @what5updoc]

@BAsupport_com Do you think I’m a fool?

[Adrian Docherty @what5updoc]

I suspect @British_Airways Executive Club Silver call centre is cheating. Stranded in Florence overnight due to fog and called for help to rebook via Pisa, got dumped 5 TIMES bc they “couldn’t hear me” when they got back from putting me on hold. calling this out as bs. +it hurts

[Adrian Docherty @what5updoc]

@British_Airways Just did so

[Adrian Docherty @what5updoc]

@SNB_BNS @dsquareddigest Yeah and I cycled to work on my new bike. Hardly remarkable. (Though SNB notes that wryly in footnote 9)

[Adrian Docherty @what5updoc]

@Christonab1ke The very *essence* of the latest standard is less risk-sensitive, by overriding in many areas the statistical models that Basel II introduced. The link between risk and regulatory capital is weakened

[Adrian Docherty @what5updoc]

But.. but… what if the reduced risk-sensitivity of the new standards means that the next crisis is actually exacerbated?

[Bank for International Settlements @BIS_org]

The financial stability benefits of implementing outstanding #BaselIII standards need to be locked in fully and consistently, as soon as possible because the next banking crisis can't be predicted, said Erik Thedéen, #BaselCommittee Chair @riksbanken @IIF https://t.co/5BncbZmim7

[Adrian Docherty @what5updoc]

@khaslett I think your question contains the answer…

[Adrian Docherty @what5updoc]

@odtorson Nice thread but I disagree with this specific point. Writing off a hybrid Tier 1 bond does not create regulatory capital (Tier 1 capital before = Tier 1 capital after), it just transfers wealth from noteholders to shareholders.

[Adrian Docherty @what5updoc]

@MaiaBug2010 Not sure the service you’re describing is a legal necessity. Our kids have travelled several times as unaccompanied minors and no special arrangements applied, also friends visiting from abroad have sent their kids unaccompanied. The law is vague

[Adrian Docherty @what5updoc]

@NunyaBisnis9 Not sure that’s what the law says but then I’m not a KC, you’ll no doubt be able to point me to your sources?

[Adrian Docherty @what5updoc]

@PaulJDavies @dsquareddigest @yorksranter @IronEconomist Negative stamp duty for downsizing, that’s the answer

[Adrian Docherty @what5updoc]

@jeuasommenulle Basically, ECB wants to supervise a Banking Union oligopoly like Canada and Australia

[Adrian Docherty @what5updoc]

@Gatwick_Airport “Some” passengers “may” be delayed? You kidding?

[Adrian Docherty @what5updoc]

@Christonab1ke @khaslett Yes, disappointing when accounting drives rather than reflects 😩 Though tbf SVB had IRRBB EVE disclosure

[Adrian Docherty @what5updoc]

@Christonab1ke @khaslett …using behavioural assumptions on maturity, it must be said. Indeed, the “structural hedge” is a bet on behaviour, not contractual term