A few theories exist on the origin of the abbreviations for debit (DR) and credit (CR) in accounting. Both have Latin roots and can appear on a company's balance sheet. https://t.co/UhnDbK921Z ...

Why are earnings more important than the Federal Reserve. >> It's a good question. If you asked me a month ago going into the FOMC blind, would that be a smaller or bigger event than earnings.I would have said bigger. But, you know, the market seems pretty content right now that given the data that's coming in, the Fed's going to cut twice into the end of the year. Kind of takes that off the table a little bit in terms of a source of uncertainty.And, you know, to all your point, I mean, valuation is very hi ...

Last week private-markets lenders and bank bosses traded barbs over which part of the American credit apparatus is most dangerous. But for investors more broadly, the fingerpointing is somewhat academic https://t.co/B0ou0yBsYg ...

Market Fundamentals & Dynamics - Markets involve the exchange of objects, requiring two parties and two objects, with money serving as a store of value and a medium of exchange [1] - Credit allows borrowing and payment over time, while asymmetric payoff offers the potential for a large return on a small investment [1] - Market prices are determined by the varying values ascribed to an object by multiple buyers and sellers [1] - Markets can be irrational, exhibiting exuberance or being downcast, and redefine themselves by changing critical measures [1][2] - Investors can either follow market trends or discipline the market by relying on equity analysis and understanding industrial dynamics [2][3] Historical Analysis of BSE Sensex - The liberalization budget of 1991 set a positive tone for markets, leading to a bull market [5][6] - Mutual funds in the private sector gained scale starting in 1993, and the National Stock Exchange (NSE) started in 1992, promoting digital trading and cleaner accounts [8][9][10] - From 2008 to 2013/14, the market experienced sideways movement, with consumer companies becoming prominent [15][16][17] - From 2013 to pre-pandemic 2020, the market saw decent growth, with digital infrastructure established and significant venture capital-funded acquisitions occurring [18] Current Market Perspective - The current market mood is cautiously optimistic, with awareness of both good and better times [19] - Technology is transforming the market, enabling new investment opportunities, although its overall impact on market superiority is debated [20][21] - Valuations are increasingly based on price-to-sales ratios, reflecting the focus on turnover in emerging businesses [22][23] Consumer Behavior & Market Impact - The Indian consumer, particularly the emerging upper-middle class, will significantly influence the market through their consumption patterns [23] - Consumer priorities have evolved from job security and homeownership to continuous education, travel, and digital identity [24][25][26][27][28][29][30] - Loans for education and experiences are becoming more common, reflecting changing consumer values [31] Investment Principles - Market uptrends require a reason, sufficient capital, and a metric for asset valuation, such as price-to-sales or digital market potential [31] - Money chases performance, and performance chases money, highlighting the importance of salience in new ideas and the cyclical nature of investment flows [31][32]

Speaking of, let's bring in Alan's chief economic adviser, Muhammad Ali, and he too is at Post 9 and it's nice to see you in person as well. >> Thanks for having me. >> So, what what do you make of the move below 4% on the 10-year.And what Steve just showed us 100% the market's convinced for this month and then in December and then 65 for January. Is is are we over our expectations a bit or no. No, I think the moves are motivated by what you discussed earlier, which is concern about credit, concerns about r ...

RT Kelp (@KelpDAO)The internet made everything on demand, from information to money.The next challenge: liquidity and credit.Global payments move $220T+ annually, yet trillions sit idle in pre-funded accounts.Stablecoins solved speed, not liquidity.Introducing Kred: The Internet of Credit.At its core is KUSD, a fully collateralized, rewards-bearing stablecoin, backed by real-world repayments.@kernel_dao’s latest report by @GAmitej, @disankit, @indrajitghosh89, with contributions from @_ashmorgan_ ( @ethereu ...

So with the stocks trading at or near records, it begs the question, should banks get rerated or are they fully valued right now. Let's bring in Tom Misho, CEO of KBW, a steel company. We're bringing him at the top cuz >> I mean this is we thank you very much.Thank you. >> So So we'll we'll start off with you. It does feel like we're at a moment where you can believe in the virtues of deregulation, what the banks are will be able to do now with regulators off their backs, but at the same time there are thes ...

Financial Data and Key Metrics Changes - The company reported a strong quarter with solid organic growth in both loan and deposit portfolios, contributing to strong capital accumulation and robust capital ratios [3][4] - The core net interest margin for the quarter was reported at 4.55%, with expectations of slight compression to 4.50% due to deposit cost pressures and potential further rate cuts [18][21] Business Line Data and Key Metrics Changes - Loan growth was highlighted as a key area of strength, with expectations of high single-digit year-over-year growth continuing into 2026 [9] - Loan fee income has increased significantly, now representing about 40 basis points of the margin, driven by a robust deal market and successful sales efforts [20] Market Data and Key Metrics Changes - The company noted that the mortgage business remains slow, with expectations for improvement in 2026, although current conditions are challenging due to high fallout rates and affordability issues [30][31] Company Strategy and Development Direction - The company is actively pursuing M&A opportunities, although challenges remain due to market conditions and seller expectations [12][33] - The strategic acquisition of a mortgage operation was emphasized as a move to enhance service offerings to high-net-worth clients, with a focus on niche markets [31][32] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the current market conditions and the company's positioning, despite acknowledging macroeconomic uncertainties [3][4] - Concerns regarding credit trends were addressed, with management indicating a cautious approach to provisioning in light of portfolio growth and macro volatility [21][22] Other Important Information - The company highlighted the importance of maintaining strong capital levels and the prudent approach to credit risk management in a volatile environment [22] Q&A Session Summary Question: Loan growth outlook for Q4 and 2026 - Management expects high single-digit year-over-year growth in loans, with a good pipeline of activity [9] Question: Loan pricing dynamics and competition - New loans are expected to be priced slightly below 7.4%, with more pressure on deposit pricing than on loans [11] Question: M&A activity update - The company is actively exploring M&A opportunities, with a disciplined approach to potential transactions [12][33] Question: Net interest margin trajectory - A slight decline in net interest margin is anticipated due to deposit cost pressures and rate cuts [18] Question: Credit trends and reserve increases - Credit performance was strong, with a slight increase in reserves due to macroeconomic concerns [21][38] Question: Outlook for fees and expenses - Core fee income is expected to maintain a similar run rate, with oil and gas revenue being less predictable [28] Question: Mortgage business expectations - The mortgage business is currently slow, but there is hope for improvement in 2026, with a stronger pipeline than six months ago [30][31]

Core Insights - Earnings estimates for the major banks are projected to increase by 10% to 30%, driven by a rebound in investment banking and strong trading performance [1][2] - Investment banking is expected to rise by 22% for the group, while trading for JP Morgan is anticipated to increase by 17% to 19% due to ongoing geopolitical tensions [1][2] - Consumer credit remains stable, with no significant issues reported, as indicated by the master trust data from credit card companies [3][11] Investment Banking and Trading - The investment banking sector has shown a significant recovery from last year's lows, contributing positively to earnings [1] - Trading volatility has been favorable, particularly in Q2, but has calmed in Q3, which may impact banks differently [4][5] - The performance gap between big banks and regional banks is notable, with big banks outperforming by approximately 16% [5][6] Credit Market Insights - Despite some concerns regarding credit, particularly in the auto sector, overall credit conditions remain resilient [9][11] - There are discussions anticipated around the impact of recent bankruptcies on credit standards, especially in private credit [10] - CEOs are expected to address credit situations during earnings calls, particularly in light of the lack of recent macroeconomic data [7][8]

Banksters got the hint led by the Grand Master Jamie Dimon, time to create credit and lend to US industry. More dollars, more $BTC number go up! QE 4 Poor People in action. https://t.co/dBI4fuiDoT ...