Libor ppt

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Keshav Mundra

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Santé

Content
Introduction about LIBOR & its calculation
How its link with Global Financial Market
The Rigging Scandal
Fines and Penalties

LIBOR
London Interbank Offer Rate.
Definition
Calculation

How its link with Global
Financial Market
It underpins several Financial Instruments,
Derivatives worth of $350 trillion , 10 Currency , 15
Maturities, Securities, Loans.
More then 50 % of the adjustable-rate prime
mortgages and 80% of the adjustable-rate sub
prime mortgages.
More then 50% of the student loans

Some Financial Instrument Derivative
Interest rate swap
Inflation swap
Floating rate notes
Syndicated loans
Forward rate agreement

LIBOR RIGGING SCANDAL
Its was believed that the Libor manipulation was
been common since at least 1991 as per the
Financial Times.
The scandal arose during the 2007-2008 crisis.

Banks tied to Libor Sandal
Barclays Bank
UBS
Bank of America
JP Morgan Chase
Citibank
Deutsche Bank AG
HSBC

Interest Rate Swap
Citigroup had a Interest Rate Swap of notional value
of $14.2 trillion.
Bank of America had a Interest Rate Swap of
notional value of $49.7 trillion.
JP Morgan Chase had a Interest Rate Swap of
notional value of $49.3 trillion

Fines for Manipulation
Regulators in the U.S., UK, and EU fined banks more
than $6 billion for participating in rigging interest
rates.
Deutsche Bank, JP Morgan was the fine of $2.3
billion by European regulators.
Barclays agreed pay a $453 million fine to settle
allegations.

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On February 28, 2012, the United States Department of Justice announced a criminal investigation into abuse Of the LIBOR, an important interest rate regulated by the British Bankers’ Administration. Four months later, London based Barclays Bank was fined more than $440 million by United States and English financial regulatory agencies for Knowingly manipulating the LIBOR to its own advantage. The political and economic uproar that followed the exposure Of Barclays’ actions led to several resignations (including That of Barclays’ CEO Bob Diamond) and further Criminal investigations. Former governor of New York Eliot Spitzer called the incident “the mega-scandal of mega scandals,” While journalist Robert Scheer christened it “the Crime of the century.” The LIBOR, short for “London Interbank Offered Rate,” Is the interest rate banks pay when they borrow money From each other. To calculate this rate, up to 20 influential British banks report their own proposed bank-to-bank Lending rates. The highest and lowest rates are trimmed Off, and the remaining rates are averaged, creating the LIBOR. A low LIBOR often points to financial stability, while A high LIBOR indicates that banks lack confidence in each Other’s economic health. What Barclays was fined for was Proposing artificially low bank-to-bank rates to make itself Appear more stable than it actually was. However, further Investigations indicated that Barclays colluded with other Banks—and perhaps even the British government—to Impact the LIBOR itself. An unnaturally low LIBOR would Suggest greater economic stability than actually existed, misleading investors and loan-seekers in a potentially volatile market, and thus creating profit for the banks involved in the collusion. The rate manipulation carried out by Barclays affects not only London banks and business executives, but also small businesses and individuals—perhaps even you yourself. Because it has historically been considered trustworthy and economically accurate, the LIBOR is used all around the world as an interest rate and financial instrument benchmark. Everything from currency values (including the United States dollar) to multimillion-dollar corporate debts to home mortgages to individual student loans depend on the LIBOR. While it may not seem like it, each of these is a product that is marketed and sold. As loans and exchanges of varying types are banks’ primary sources of profit, banks compete to exchange these products within a market. At the consumer level, consider how many car and credit card commercials you have seen advertising a low interest rate. Hundreds of trillions of dollars worth of these financial products have been sold based on the LIBOR—a rate that may not in fact accurately reflect the world’s shaky economic standing. Journalists and economic analysts have been quick to reject the ethicality of Barclays’ actions. As information about the LIBOR scandal broke, TIME contributor Christopher Matthews wrote, “[Barcl.

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CASE: ETH-03 DATE: 11/07/13 Sheila Melvin and Professor Ken Shotts prepared this case as the basis for class discussion rather than to illustrate either effective or ineffective handling of an administrative situation. Copyright © 2013 by the Board of Trustees of the Leland Stanford Junior University. Publically available cases are distributed through Harvard Business Publishing at hbsp.harvard.edu and European Case Clearing House at ecch.com, please contact them to order copies and request permission to reproduce materials. No part of this publication may be reproduced, stored in a retrieval system, used in a spreadsheet, or transmitted in any form or by any means –– electronic, mechanical, photocopying, recording, or otherwise –– without the permission of the Stanford Graduate School of Business. Every effort has been made to respect copyright and to contact copyright holders as appropriate. If you are a copyright holder and have concerns, please contact the Case Writing Office at [email protected] or write to Case Writing Office, Stanford Graduate School of Business, Knight Management Center, 655 Knight Way, Stanford University, Stanford, CA 94305-5015. BARCLAYS AND THE LIBOR: ANATOMY OF A SCANDAL Culture is difficult to define, I think it's even more difficult to mandate—but for me the evidence of culture is how people behave when no one is watching. 1 -Bob Diamond, (former) Barclays CEO INTRODUCTION On June 27, 2012, the storied British bank Barclays admitted that it repeatedly attempted to rig the London Interbank Offered Rate (LIBOR) over a four-year period from 2005-2009. The LIBOR was calculated daily, based on the rates at which 16 banks estimated they could borrow money. 2 Barclays, as one of these banks, regularly submitted rates that were either falsely inflated or deflated, first with the aim of benefitting its trading positions and later, during the financial crisis, with the intention of projecting an image of strength and solvency. Tracy McDermott, acting director of enforcement and financial crime at the United Kingdom (U.K.) Financial Services Authority (FSA), stated: “Barclays’ misconduct was serious, widespread and extended over a number of years…Barclays’ behavior threatened the integrity of the rates with the risk of serious harm to other market participants.” 3 In its settlement, Barclays agreed to pay $453 million in fines and penalties to bank regulators in the U.K. and U.S. 4 1 “Today Business Lecture” delivered in 2011, quoted in Fixing LIBOR: some preliminary findings, Paragraph 111, http://www.publications.parliament.uk/pa/cm201213/cmselect/cmtreasy/481/48103.htm (September 19, 2013) 2 In 2012, the number of banks on the Libor Panel was increased to 18. 3 House of Commons Treasury Committee, Fixing LIBOR: some preliminary findings, Paragraph 7 http://www.public ...

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W16695 HAS LIBOR LOST ITS STATURE IN DERIVATIVES MARKETS?1 Ken Mark wrote this case under the supervision of Professor Walid Busaba solely to provide material for class discussion. The authors do not intend to illustrate either effective or ineffective handling of a managerial situation. The authors may have disguised certain names and other identifying information to protect confidentiality. This publication may not be transmitted, photocopied, digitized or otherwise reproduced in any form or by any means without the permission of the copyright holder. Reproduction of this material is not covered under authorization by any reproduction rights organization. To order copies or request permission to reproduce materials, contact Ivey Publishing, Ivey Business School, Western University, London, Ontario, Canada, N6G 0N1; (t) 519.661.3208; (e) [email protected]; www.iveycases.com. Copyright © 2016, Richard Ivey School of Business Foundation Version: 2016-10-31 It was April 5, 2016, in New York, and the management of a large U.S. proprietary trading group was debating what discount rate to use to value the group’s interest-rate swap portfolio. The group had a substantial interest-rate swap portfolio laid over its fixed-income fund. The counterparties to the swaps were major U.S. banks, and the deals were collateralized. The question was which of the two reference rates—the London interbank offered rate (LIBOR) or overnight indexed swap (OIS) rate—was a more appropriate discount rate. Members of the management team needed to consider that derivative pricing practices had evolved in recent years as market participants refined their pricing approaches to capture the elements underlying the pricing of derivative transactions in a changing market. The increased use of collateral (in derivative transactions) was driven by an increased focus in the over- the-counter market on credit risk and funding risk management, as well as by the migration of derivative activity to clearing houses where transactions were typically fully collateralized. As a result, certain collateralized derivatives may be presumed to require valuation based on discounting at the OIS rate. The head of the management team noted that there was talk from the Bank of England about an alternative, nearly “risk-free” reference rate that could potentially be launched during 2016. There was also a rumour that OIS rates—whether in U.S. dollars, euros (euro overnight index average), or pounds sterling (sterling overnight index average)—were becoming more popular reference rates in financial transactions and securities, some of which might end up in the group’s fixed-income fund. He wondered whether it was time to substitute some of the maturing LIBOR-based interest-rate swaps with OISs. THE LONDON INTERBANK OFFERED RATE The increasing use of futures contracts to hedge against interest-rate risk sparked demand for a reference rate on w.

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