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View Full Version : The Bear Arrogance


William Eng
March 23rd, 2008, 09:12 AM
The past week has been historical in the annals of financial mismanagement, and attempts at management.

Bear Stearns collapse, hopefully, will not be pandemic. Bear Stearns survived 85 years of Wall Street volatility only to "fail" quietly over a weekend.

It employed 14,000 specalized personnel at it's peak. Rumors are circulating that half of the staff will be gone by the end of the next calendar year. In the financial world, dismissals are immediate, and usually in the presence of an armed guard to assure the dismissed employee won't be able to do anything to "diss" the company.

A little over a year ago the price of it's publicly traded shares was $170. This past weekend, somebody threw a number out, $2, at it's sales price to J.P. Morgan.

Both the attitude and perspective of the company bought, and the company that did the buying, is "Arrogance Penultimate."

When I first read it was J.P. Morgan that bought Bear Stears, I uttered to my wife, "That Jamie Dimon who runs J.P. Morgan, is a jerk. He use to work for the bank I use to work for." Dimon proved true to form when he paid a parimutuel wage at the race track for a share of Bear Stearns: $2. I guess Dimon really thought he was making a longshot bet that Bear Stearns would be worth something.

In a quote from the Wall Street Journal (March 21, 2008):

"J.P. Morgan’s deal for Bear Stearns has several unusual features that make the deal particularly favorable to J.P. Morgan and comes at the expense of the shareholders of Bear Stearns, who are losing billions on the $2.40 a share offer. It’s nearly impossible for any rival bidder to break it up, J.P. Morgan already has management oversight of Bear, J.P. Morgan can buy the building even if Bear’s board rejects the deal, and J.P. Morgan can buy up to 20% of Bear’s shares if any other buyer does the same. And the prospects for a legal showdown in Delaware court don’t look so auspicious, one expert told (http://blogs.wsj.com/law/2008/03/19/how-would-shareholders-of-bear-fare-in-delaware/?mod=WSJBlog&mod=WSJBlog)our brother Law Blog."
That Dimon, what a deal-maker!

So, now that we know that Dimon is a weasel, can we feel sympathy for the employees and stockholders of the "former" Bear Stearns?

I didn't have to think too hard to recall something about Bear Stearns. They're jerks too.

Several years ago, my wife was at a charity fundraiser. Ray Spaeth, the president of Lakeside Bank and personal friend, introduced my wife to a recently transplanted Hong Kong resident. This Hong Kong resident was brought over by his employing firm, Bear Stearns, for training and eventually to return to Hong Kong to run one of the larger divisions. Ray suggested that my wife visit the Bear Stearns transplant to see about opportunities in China.

My wife came back from the meeting with a very bad experience about Bear Stearns. They kept her waiting for over half an hour, during the meeting she was belittled needlessly, she was mildly rebuked for the manner in which she was conducting her business, etc. So, it should come as no surprise when she found Bear Stearns went belly-up that she shed no tears.

Humility is something Wall Street needs to learn.

William Eng
March 27th, 2008, 11:40 PM
The news is coming out that Bear Stearns was highly leveraged. Claims have been made that Bearn Stearns was leveraged up to 35 to 1. Ouch!

A 35-1 ratio means that every $1 they have controlled $35 worth of securities. That also means that if the securities dropped to $34, then Bearn Stearns $1 goes "poof." Nada, no more, gone.

On a percentage basis, a 35-1 ratio means about 3% investment was needed to control 100% of it. Those are commodity futures type margining ratios. In the stock market, the margining is 50%, i.e. $1 controlled $2 worth of stock. In the bond business, it's par for the course to allow bond dealers to buy US Treasury securities with that type of ratio: $3 controlling $100 worth of US Treasuries. US Treasuries are considered the premium investment since the US government is (perhaps I should use the word "was") perceived as the prime investment.

Bear Stearns did not invest their assets in US Treasuries, but in mortgage backed securities, and from that vantage point, went to even more leveraging.

The House of Cards collapsed for Bear Stearns when the market hiccuped.

William Eng
March 27th, 2008, 11:48 PM
I wonder what Cayne knows about Bear Stearns that we don't know. He sold before Dimon of J.P. Morgan bumped up his bid to $10 per share. I wonder if Dimon got stuck with a raw deal .... better yet, what about the Fed who's backstopped Bearn Stearns liabilities to the tune of $29 billion. Shoes are falling all over the place.


Bear Stearns' Cayne Dumps Stake for $61 Million



By AP | 27 Mar 2008 | 05:22 PM ET


Bear Stearns Chairman James Cayne on Thursday sold his holdings in the embattled investment bank ahead of its expected acquisition by JPMorgan Chase.



http://media.cnbc.com/j/CNBC/Sections/News_And_Analysis/__Story_Inserts/graphics/__PEOPLE/cayne_james_1.standard.jpg

Cayne sold 5.66 million shares for exactly $10.84 a share for $61.3 million. However, it was not known if those shares were dumped into the open market or if Cayne sold them to another party.

JPMorgan has offered about $10 per share in its acquisition of Bear Stearns. That was increased from the original offer of $2 per share amid speculation that major shareholders would not accept the deal on those terms.