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Dear Client, We had intended to send you the second part of our two-part special report on long-term inflation risks this week, but given the sharp moves in the dollar and emerging market assets, we decided to write this bulletin instead. Barring any further major market turbulence, we will send you the sequel to the inflation report next week. Best regards, Peter Berezin, Chief Global Strategist Highlights The dollar rally and EM selloff have further to go. The U.S. economy is firing on all cylinders, while the rest of the world is sputtering. Turkey is not an isolated case. Emerging markets as a whole have feasted on debt over the past decade, and now will be held to account. We remain neutral on global equities, while underweighting EM relative to DM and overweighting defensives relative to deep cyclicals. Brewing EM stresses could cause the 10-year Treasury yield to temporarily fall to 2.5%, leading to a further flattening of the yield curve. However, the long-term path for yields is up. Feature King Dollar Reigns Supreme Our expectation going into this year was that the dollar would strengthen, triggering turmoil in emerging markets. This thesis has panned out, raising the question of whether it is time to declare victory and move on. We don't think so. While market positioning has clearly shifted closer towards our own views, we still think that the stronger dollar/weaker EM story has further to run. To understand why, it is useful to review the reasoning behind our thesis. Our bullish dollar view was based on a simple observation, which is that the U.S. had finally reached a point where aggregate demand was starting to outstrip supply. This implied that the dollar would need to strengthen in order to shift demand away from the United States. It is amazing how many commentators still think that the U.S. can divert spending towards imported goods without any change in the value of the dollar. Americans do not care what the CBO's or IMF's estimate of the domestic output gap is when they are deciding whether to buy U.S. or foreign-made goods. They care about relative quality-adjusted prices. Since the U.S. is a fairly closed economy - imports are only 15% of GDP - we reckoned that the dollar would need to strengthen considerably in order to displace a significant amount of domestic production with foreign-made goods. This is exactly what happened. Still More Upside For U.S. Rates Currency values tend to track interest rate differentials (Chart 1). As such, our prediction of a stronger dollar entailed the expectation that investors would increasingly price in a more hawkish path for the fed funds rate. This has indeed occurred. Since the start of the year, the expected fed funds rate has risen by 34 basis points for end-2018 and by 65 basis points for end-2019 (Chart 2). Chart 1Historically, The Dollar Has Moved In Line With Interest Rate Differentials Chart 2Rate Expectations Have Increased, ##br##But There Is Still A Long Way To Go Our sense is that U.S. interest rate expectations can rise further. Faster wage growth will boost consumption. The household savings rate can also fall from its current elevated level, which will give consumer spending an additional boost (Chart 3). Business investment should remain firm. Chart 4 shows that capex intentions are strong, while bank lending standards for commercial and industrial loans, which tend to lead loan growth, continue to ease. Fiscal stimulus will also goose the economy. Chart 3Consumption Could Accelerate As The Savings Rate Drops Chart 4U.S. Capex Investment Going Strong Could interest rate expectations move up more in the rest of the world than in the U.S., causing the dollar to tumble? It is possible, but unlikely. In contrast to most other central banks, the Fed wants to tighten financial conditions in order to keep the economy from overheating. A weaker dollar would entail an easing of financial conditions, and hence would require an even more hawkish response from the Fed. Currency Intervention Is Unlikely To Succeed Some have speculated that the Trump administration will intervene in the foreign exchange market in order to drive down the value of the dollar. We doubt this will happen, but even if such interventions were to take place, they would not be successful. Presumably, currency interventions would take the form of purchases of foreign exchange, financed through the issuance of Treasurys. The purchase of foreign currency would release U.S. dollars into the financial system, but the sale of Treasury securities would suck out those dollars from the financial system. The net result would be no change in the volume of U.S. dollars in circulation - what economists call a "sterilized" intervention. Both economic theory and years of history show that sterilized interventions do not have lasting effects on currency values. The Fed could, of course, provide funding for the Treasury's purchases of foreign exchange, leading to an increase in the monetary base. This would be tantamount to an unsterilized intervention. However, such a deliberate attempt to weaken the dollar by expanding the money supply would fly in the face of the Fed's efforts to cool growth by tightening financial conditions. We highly doubt the Fed's current leadership would go along with this. Emerging Markets In The Crosshairs This brings us to emerging markets. EM equities almost always fall when U.S. financial conditions are tightening (Chart 5). One can believe that emerging market stocks will go up; one can also believe, as we do, that the Fed will do its job and tighten financial conditions. But one cannot believe that both of these things will happen at the same time. Some pundits think that the plunge in the Turkish lira is not emblematic of the problems facing emerging markets. We are skeptical of this sanguine conclusion. Chart 6 shows that as a share of both GDP and exports, EM dollar-denominated debt is now as high as it was in the late 1990s. Turkey may be the worst of the lot, but it is hardly an isolated case. Chart 5Tightening U.S. Financial Conditions Do Not Bode Well For EM Stocks Chart 6EM Dollar Debt Is High Chart 7 presents a vulnerability heat map for a number of key emerging markets.1 We consider fourteen variables (expressed as a share of GDP, unless otherwise noted): 1) Current account balance; 2) Net international investment position; 3) External debt; 4) Change in external debt during the past five years; 5) External debt-servicing obligations coming due over the next 12 months as a share of exports; 6) External funding requirements over the next 12 months as a share of foreign exchange reserves; 7) Private sector savings-investment balance; 8) Private-sector debt; 9) Change in private-sector debt over the past five years; 10) Government budget balance; 11) Government debt; 12) Change in government debt over the past five years; 13) Share of domestic debt held by overseas investors; and 14) Inflation. Our analysis suggests that Turkey, Argentina, Colombia, Brazil, Mexico, Chile, South Africa, and Indonesia are all vulnerable to balance of payments stresses. Chart 7Vulnerability Heat Map For Key EM Markets Of course, asset markets in some of these economies have already moved quite a bit over the past few months, so it is useful to benchmark their stock markets and currencies to the underlying macro risks they face. For stock markets, we do this by comparing the heat map score with a composite valuation measure that incorporates price-to-book, price-to-sales, price-to-forward earnings, price-to-cash flow, and the dividend yield. Our analysis suggests that stocks in Russia and Korea are rather cheap, while equities in Indonesia, Mexico, South Africa, and Argentina are still quite expensive (Chart 8, top panel). Chart 8Some EM Stock Markets And Currencies Have Not Fully Priced In Macro Risks For currencies, we compare the heat map score with the level of the real effective exchange rate relative to its ten-year average. The Mexican peso, Brazilian real, Chilean peso, Indonesian rupiah, and South African rand still look pricey on this basis (Chart 8, bottom panel). In contrast, the Turkish lira and the Argentine peso are starting to look fairly cheap, although they could still get quite a bit cheaper before finding a floor. The China Wildcard The last time emerging markets seemed at risk of melting down was in 2015. Fortunately for them, China came to the rescue, delivering a massive double dose of fiscal and credit easing. Things may not be so straightforward this time around. China does not want to let its economy falter, but high debt levels and an overvalued housing market have made the usual policy prescriptions less appealing. As such, we would not necessarily conclude that the recent decline in the Chinese three-month interbank rate is a signal that the authorities want to see much faster credit growth (Chart 9). They may simply want to see a weaker currency. This is an important distinction because while faster credit growth would boost demand for EM exports, a weaker yuan would hurt other emerging markets by giving China a leg up in competitiveness. A weaker yuan would also make it more expensive for Chinese companies to import natural resources, thus putting downward pressure on commodity prices. It is too soon to know what policy mix the Chinese authorities will choose to pursue. Investors should pay close attention to the monthly data on the growth rates of social financing and local government bond issuance. So far, the combined credit and fiscal impulse has continued to weaken, suggesting that the authorities are in no hurry to open the stimulus floodgate (Chart 10). Chart 9Is China Trying To Stimulate Credit ##br##Growth Or Weaken The Yuan? Chart 10China Has Been Slow To Open The Credit And Fiscal Spigots Worries About The Euro Area Slower EM growth is likely to take a bigger toll on the euro area than the United States. Exports to emerging markets account for only 3.6% of GDP for the U.S., compared to 9.7% of GDP for the euro area. Euro area banks also have more exposure to emerging markets than U.S. banks. Notably, Spanish banks have sizeable exposure to Turkey and other vulnerable emerging markets (Chart 11). Meanwhile, worries about Italy have resurfaced. The 10-year Italian bond yield has moved back above 3%, not far from its May highs. The gap in fiscal policy between what Italy's new populist government has promised voters and what the European Commission is willing to accept remains a mile wide. Italian banks have become increasingly wary of financing their spendthrift government. With the ECB stepping back from asset purchases, two critical buyers of Italian debt are moving to the sidelines. The credit impulse in the euro area turned negative even before concerns about emerging markets and Italian politics came to the fore. As Chart 12 shows, the credit impulse has reliably tracked euro area growth. Right now, there is little reason to think that European banks will open the credit spigots, suggesting that euro area growth will be lackluster. Chart 11Who Has More Exposure To EM? Chart 12Euro Area Credit Impulse Suggests Growth Will Remain Lackluster Investment Conclusions If last year was the year of global growth resynchronization, this year is turning into one of desynchronization. The U.S. economy is outperforming the rest of the world, and the dollar is benefiting in the process. As we go to press, the broad trade-weighted dollar is up 6.1% year-to-date and stands only 2.2% below its December 28, 2016 high (Chart 13). From a long-term perspective, the greenback has become expensive, so we are inclined to close our strategic long DXY trade for a potential carry-adjusted profit of 15.7% if it reaches our target of 98 (as of the time of writing, the DXY is at 96.5). However, even if we were to close this trade, our tactical bias would be to remain long the dollar until clearer evidence emerges that the brewing EM crisis is about to abate. We moved from overweight to neutral on global equities on June 19. The MSCI All-Country World index has fluctuated a lot since then, but is currently up only 0.7% in dollar terms. Developed markets have gained 1.4%, while emerging markets have lost 3.8% (Chart 14). We have yet to reach a capitulation point for EM equities. The number of shares in the iShares MSCI Turkey ETF has almost doubled since August 3rd, as a stampede of bottom fishers have plowed into the fund (Chart 15). Equity investors should maintain our recommendation to underweight emerging markets relative to DM and to favor defensive sectors over deep cyclicals. We expect euro area stocks to perform in line with their U.S. peers in local-currency terms, but to underperform in dollar terms over the remainder of the year. Chart 13The Dollar Is Back Near Its Highs Chart 14Stock Market Performance: Roller Coaster Ride Chart 15Foreign Investors And Turkish Stocks: ##br##Trying To Catch A Falling Knife In the fixed-income realm, the long-term trend in global bond yields remains to the upside, but near-term EM stresses could cause the 10-year Treasury yield to temporarily fall back towards 2.5%. Peter Berezin, Chief Global Strategist Global Investment Strategy peterb@bcaresearch.com 1 We collaborated with our colleague Mathieu Savary and his team at BCA’s Foreign Exchange Strategy to build this heat map. Strategy & Market Trends Tactical Trades Strategic Recommendations Closed Trades
We published a Special Alert report titled Turkey: Book Profits On Shorts yesterday. The link is available on page 18. This report is Part 2 of an overview of the cyclical profiles of emerging market (EM) economies. This all-in-charts presentation illustrates the business cycle conditions of various developing economies. The aim of this report is to provide investors with a quick assessment of where each EM economy stands. In addition, we provide our view on each market. The rest of the countries were covered in Part 1, published last week (the link to it is available on page 18). Chart I-1 Malaysia: Keep Underweight For Now As... Malaysia: Keep Underweight For Now As...Malaysia: Keep Underweight For Now As... Malaysia: Keep Underweight For Now As... ...Bank Shares Have Significant Downside ...Bank Shares Have Significant Downside ...Bank Shares Have Significant Downside...Bank Shares Have Significant Downside Indonesia: Underweight Equities & Bonds Indonesia: Underweight Equities & Bonds Indonesia: Underweight Equities & Bonds Indonesia: Underweight Equities & Bonds Indonesia: Underweight Equities & Bonds Indonesia: The Sell-Off Is Not Over Yet Indonesia: The Sell-Off Is Not Over Yet Indonesia: The Sell-Off Is Not Over Yet Indonesia: The Sell-Off Is Not Over Yet Indonesia: The Sell-Off Is Not Over Yet Thailand: Stay Overweight Thailand: Stay Overweight Thailand: Stay OverweightThailand: Stay Overweight Thailand: Better Positioned To Weather The EM Storm Thailand: Better Positioned ##br##To Weather The EM Storm Thailand: Better Positioned ##br##To Weather The EM Storm Thailand: Better Positioned ##br##To Weather The EM Storm Thailand: Better Positioned ##br##To Weather The EM Storm Philippines: Inflation Breakout Philippines: Inflation BreakoutPhilippines: Inflation Breakout Philippines: Inflation Breakout Philippines: Neutral On Equities Due To Oversold Conditions Philippines: Neutral On Equities ##br##Due To Oversold Conditions Philippines: Neutral On Equities ##br##Due To Oversold ConditionsPhilippines: Neutral On Equities ##br##Due To Oversold Conditions Central Europe: Labor Shortages & Wage Inflation Central Europe: Labor Shortages & Wage Inflation Central Europe: Labor Shortages & Wage Inflation Central Europe: Robust Growth - Overweight Central Europe: Robust Growth - Overweight Central Europe: Robust Growth - OverweightCentral Europe: Robust Growth - Overweight Chile: Robust Growth - Overweight Equities Chile: Robust Growth - Overweight Equities Chile: Robust Growth - Overweight Equities Chile: No Inflationary Pressures Chile: No Inflationary PressuresChile: No Inflationary PressuresChile: No Inflationary Pressures Chile: No Inflationary Pressures Colombia: Currency Will Be A Release Valve Colombia: Currency Will Be A Release Valve Colombia: Currency Will Be A Release Valve Colombia: Currency Will Be A Release Valve Colombia: Currency Will Be A Release Valve Colombia: Credit Growth Remains A Headwind For Economy - Neutral Colombia: Credit Growth Remains ##br##A Headwind For Economy - Neutral Colombia: Credit Growth Remains ##br##A Headwind For Economy - NeutralColombia: Credit Growth Remains ##br##A Headwind For Economy - Neutral Peru: Vulnerable To External Developments Peru: Vulnerable To External Developments Peru: Vulnerable To External Developments Peru: Vulnerable To External Developments Peru: Vulnerable To External Developments Peruvian Equities - Underweight Peruvian Equities - Underweight Peruvian Equities - UnderweightPeruvian Equities - Underweight
Special Report Highlights China's policy headwinds have begun to recede, but Beijing is not riding to the rescue for emerging markets; While monetary policy has eased substantively, credit growth will be hampered by the government's financial crackdown; Potential changes to China's Macro-Prudential Assessment framework could be significant, but the impact on credit growth is overestimated at present; The recognition of non-performing loans (NPLs) and cleansing of China's banking system is still in early innings and will weigh on banks' risk appetite; The anti-corruption campaign is another reason to be cautious on EM. Geopolitical Strategy recommends clients stay overweight China (ex-tech) relative to EM. Feature In the first part of this two-part Special Report, we concluded that policy headwinds to China's economic growth have begun to recede, but recent easing measures will likely disappoint the markets.1 Chart 1Money Growth Bottomed, Credit Still Weak In essence, China is girding for a trade war with the United States, which favors stimulus. But it is still attempting to reduce systemic financial risk. As a result, fiscal stimulus may surprise to the upside, but credit growth will be lackluster. The problem for investors - especially for emerging market (EM) assets and the commodity complex - is that Chinese fiscal stimulus typically operates with a six-to-ten month lag, as opposed to credit stimulus which only takes about three months to kick in.2 July statistics confirm our suspicion that credit stimulus will be hampered by the government's crackdown on shadow banking. Total credit growth remains weak, although broad money (M2) does appear to be bottoming (Chart 1). Thus far, BCA's China Investment Strategy has been correct in characterizing the latest developments as "taking the foot off the brake" rather than "pressing down on the accelerator."3 In this report we take a deeper dive into the policy factors that cause us to limit our "stimulus overshoot" scenario to a 10% subjective probability. The three chief reasons are: overstated easing of macro-prudential controls; the continuing process of cleansing the banking sector of non-performing loans; and the anti-corruption campaign in the financial sector. A Preemptive Dodd-Frank Since the Xi administration redoubled its efforts to tackle systemic financial risk last year, we have urged investors to be cautious about Chinese growth.4 The creation of new institutions and new regulatory requirements set in motion processes that would be hard to reverse quickly. While these institutions are now making several compromises for the sake of stability, their operations will continue to weigh on credit growth. In July 2017, China's government held the National Financial Work Conference to address the major issues facing the country's financial system. This conference takes place once every five years and has often occasioned significant shakeups in financial regulation. In 1997, it initiated a sweeping purge of the banking system, and in 2002, it saw the creation of three financial watchdogs that would become critical institutional players throughout the 2000s.5 Chart 2Crackdown On Informal Credit Continues One of the skeletons in the closet from 2002 was the debate over whether financial regulation should be heavily centralized or divided among different, specialized, state agencies. Former Premier Wen Jiabao won the argument with the creation of the three watchdogs covering banking, securities, and insurance. After a series of controversies and conflicts, the Xi administration decided that these agencies had failed in their primary purpose of curbing systemic risk and ordered a reorganization with greater centralization. At the 2017 financial conference, Xi announced the creation of the Financial Stability and Development Committee (FSDC) to act as a centralized watchdog over the entire financial system. The FSDC would coordinate with the central bank, oversee macro-prudential regulation, and prevent systemic risk. Liu He, Xi's right-hand man on the economy and a policymaker with a hawkish reputation, was soon promoted to the Politburo and given the top job at the FSDC.6 As a second step, the Xi administration announced that it would combine the banking and insurance regulators into a single entity - the China Banking and Insurance Regulatory Commission (CBIRC). The CBIRC, to be headed by Xi ally, and notable hawk, Guo Shuqing, would continue and escalate the crackdown on shadow lending that Guo had begun at the helm of the bank watchdog in 2017 (Chart 2). The merging of the agencies would also close the regulatory gap that had seen the insurance regulator increase its dominion and rent-seeking by encouraging "excessive" financial innovation and risky pseudo-insurance products.7 The FSDC was expected, rightly, to bring a more hawkish tilt to Chinese macro-prudential regulation. In reference to the U.S.'s Financial Stability Oversight Council, we dubbed these moves a "Preemptive Dodd-Frank."8 We also argued, however, that the purpose was to bring unified command and control to financial regulation and that China would continue to prize stability above all. Therefore the degree of tightening or loosening should vary in accordance this goal.9 After a series of announcements in July and August, it is clear that China's government has shifted to a more accommodative posture (Chart 3). As usual, there are rumors of high-level political intrigue to go along with the policy shift: some argue that Premier Li Keqiang is making a comeback while Xi's golden boy, Liu He, has been sidelined due to his failure to forestall tariffs during his trade talks with Donald Trump this spring.10 Such rumors are valuable only in revealing the intensity of the policy debate in Beijing. Chart 3Monetary Policy Has Eased Substantively What is certain, however, is that the FSDC, with Liu He as chairman, only met for the first time as a fully assembled group in early July, just before the major easing measures were taken. This implies that any initial conclusions were pragmatic (i.e. not excessively hawkish). Moreover, Guo Shuqing is not only the CBIRC head but also the party secretary of the PBOC, meaning that central bank chief Yi Gang cannot have adopted easing measures without Guo's at least condoning it. Chinese policymakers see the recent easing measures as "fine-tuning" even as they continue the rollout of new regulatory institutions and systems. It is thus too soon to claim that Xi Jinping or any of these government bodies have thrown in the towel on their attempts to contain excessive leverage. Both the Politburo and the State Council - the highest party and state decision-makers - have made clear that they do not intend to endorse a massive stimulus on the magnitude of 2008-09 or 2015-16.11 They have also insisted that the "Tough Battle" against systemic financial risk, and the campaign to "deleverage" the corporate sector, will continue. What does this mean in practical terms? While new regulations will be compromised, they will also continue to be implemented. For example, authorities have watered down new regulations governing the $15 trillion asset management industry, yet the regulations are still expected to go into force by 2020. These rules will weigh on shadow banking activity (e.g. wealth management products) as banks prepare to meet the requirements.12 Two other examples are critical and will be discussed below: first, the potential easing of rules under the Macro Prudential Assessment (MPA) framework for stress-testing banks; second, this year's changes to rules governing non-performing loans (NPLs). In the former case, the degree of financial easing is potentially significant but at present overestimated by investors; in the latter case, the degree of tightening is already significant and widely underestimated. Bottom Line: New financial regulatory institutions will inherently suppress credit growth, especially by dragging on informal or non-bank credit growth. Macro-Prudential Assessments: Less Easing Than Meets The Eye A key factor in determining China's credit growth going forward will be banks' responses to any softening of the Macro Prudential Assessment (MPA) requirements. News reports have suggested that a relaxation of these rules may occur, but authorities have not finalized such a move. Furthermore, the impact on credit growth may be far less than the astronomical sums being floated around the investment community. The MPA framework began in 2016. It is an evaluative system of "stress-testing" China's banks each quarter. As such it is part of the upgrade of macro-prudential systems across the world in the aftermath of the global financial crisis, comparable to the American Financial Stability Oversight Committee or the European Systemic Risk Board.13 It is managed by the PBOC and the FSDC. The MPA divides banks into systemically important financial institutions and common institutions, and subdivides the former into those of national and regional importance. The evaluation method contains seven major criteria for assessing bank stability: Capital adequacy and leverage ratios; Bank assets and liabilities; Liquidity conditions; Pricing behavior for interest rates; Quality of assets; Cross-border financing; Execution of credit policy. The first and fourth of these criteria (capital adequacy and leverage ratios, and pricing behavior for interest rates) are in bold font because they result in a "veto" over the entire assessment: if a bank fails to maintain a sufficient capital buffer, or deviates too far from policy interest rates, it can fail the entire stress-test. Otherwise, failure of any two of the other five categories results in overall failure. A system of rewards and punishments awaits banks depending on how they perform (Diagram 1). Diagram 1China's Macro Prudential Assessment Framework Explained On July 20, the PBOC published a document saying that "in order to better regulate assets of financial institutions, during Macro Prudential Assessment (MPA), relevant parameters can be reasonably adjusted." Subsequently Reuters reported that the PBOC would reduce the "structural parameter" and the "pro-cyclical contribution parameter" of the capital adequacy ratio (CAR) requirements, thereby easing rules on one of the veto items. The structural parameter would fall from 1.0 to 0.5. Rumors suggest that the pro-cyclical parameter could fall from 0.4-0.8 to 0.3. No such changes have been finalized - only a few banks actually claim to have received notification of a change and there are regional differences. Clearly a general change of the rule would reduce regulatory constraints on bank credit. But how big would the impact be? Under the MPA, banks' CARs are not allowed to fall too far below the "neutral CAR," or C*, a variable that is calculated using the formula outlined in Diagram 2. Most of the variables in this formula will not change often: for instance, the minimum legal CAR will be slow to change, as will the capital reserve buffer and the bonus buffer for systemically important institutions. The one factor that can change frequently is the "discretionary counter-cyclical buffer," as it responds to the country's current place in the business cycle. Diagram 2China's Macro-Prudential Assessment Framework: Capital Adequacy Ratios The key input to this factor is broad credit growth. Thus, if authorities should reduce the CAR's cyclical parameter from a simple average of 0.6 to 0.3, broad credit growth could go higher without creating an excessive increase in the pro-cyclical buffer. In other words, at present about 60% of bank credit expansion in excess of nominal GDP growth counts toward a counter-cyclical capital buffer, which is added to other capital buffers. A tweak to this parameter could decrease that proportion to 30%, meaning that bank lending could go twice as high with the same impact on the counter-cyclical buffer. More significantly, if authorities should reduce the CAR's structural parameter from 1.0 to 0.5, any increase in credit growth would have a less dramatic impact on C*. Hence banks would be able to lend more while still keeping their neutral CAR within the appropriate range relative to their actual CAR. Banks could theoretically lend twice as much with the same impact on the assessment.14 On paper these changes could result in unleashing as much as 41.4 trillion RMB in new lending in 2018, or 28 trillion (33% of GDP) on top of what could have been expected without any adjustment to the macro-prudential rules. This is because broad credit growth would theoretically be allowed to grow as fast as 30% instead of 17%.15 But in reality this growth rate is extremely unlikely. Why? Because it assumes that banks will grow their lending books as rapidly as they are allowed. In fact, banks are currently increasing broad credit at a rate of about 10%, which is considerably lower than either today's or tomorrow's permitted rate of growth under the MPA framework (Chart 4). If tweaks to the MPA increase this speed limit to 30%, it does not mean that banks will drive any faster than they are already driving. They are lending at the current pace for self-interested reasons (and there is fear of excessive debt, default, or insolvency due to the government's ongoing regulatory and anti-corruption crackdown).16 Chart 4Banks Are Not Lending To The Regulatory Maximum Still, if the MPA rules are tweaked, then it will send a signal that macro-prudential scrutiny is abating and banks can lend more aggressively - this would have some positive effect on credit growth, at least for major banks that are secure in meeting their CARs. Moreover, there will be a practical consequence in that fewer banks will be punished for having insufficient CARs. At present, only rarely do banks fail the evaluations. But a strict CAR requirement during an economic downturn could change that. The proposed MPA adjustment would show that banks are graded on a sliding rule: the authorities would slide the grading scale downward to enable more banks to pass the test. This means fewer failures, which means fewer punitive measures that could upset liquidity or stability in the banking system. Ultimately, in order for the new system to have any credibility at all, punishment will have to be meted out to banks that fail the stress tests. A key punishment within the MPA system is exclusion from medium-term lending facility (MLF) loans from the PBOC. This is a regulatory action with teeth, as this is one of the PBOC's major means of injecting liquidity (Chart 5). A misbehaving bank could face short-term liquidity shortage or even insolvency. Therefore the authorities are opting to soften the rules so that the new regulatory system is preserved yet the harshest implications are avoided (for now). Chart 5Regulators Can Deprive Banks Of MLF Access This would be short-term gain for long-term pain, the opposite of what China needs from the standpoint of an investor looking for improvements to productivity and potential GDP growth. But it would not necessarily be a great boon for global risk assets in the near term. While it could help stabilize expectations for China's domestic growth, it is not clear that it would unleash a mass wave of new bank loans that would reaccelerate China's economy and put wings beneath EM assets and commodity prices. Bottom Line: Tweaking the MPA parameters is a clear example of policy easing. Yet the MPA system itself is a fairly rigorous means of stress-testing banks that is part of a much larger expansion of financial sector regulation. The results of the easier rules - if implemented - will not be as reflationary as might be expected from the headline 41 trillion RMB in new loans that could legally be created. Banks are already expanding loans more slowly than they are allowed to do, so increasing the speed limit will have little effect. The real purpose of the macro-prudential tweaks is to make it more difficult for banks to fail their stress tests in a downturn. As such, any tweaks would actually reveal that Chinese policymakers are expecting a more painful downturn, not that they are asking for a credit splurge. NPL Recognition Will Weigh On Credit Growth Another factor that we have highlighted that separates today's easing measures from outright stimulus: the growing recognition of non-performing loans (NPLs) in China's banks and the financial cleansing process. The government's reform push has already led to two trends that are relatively rare and notable in the Chinese context: rising corporate defaults (Chart 6) and rising bankruptcies (Chart 7). While the impact may be small relative to China's economic size, the direction of change is significant in a country that has been extremely averse to recognizing losses. Chart 6Defaults Are Rising Chart 7Creative Destruction In China These changes reflect the tightening of financial conditions and restructurings of various industries and as such are evidence of Xi's attempt to make progress on reforms while maintaining stability. They also reflect a general environment that is conducive to the realization of bad loans. Two recent policy decisions are affecting banks' accounting of bad loans. First, the CBIRC issued new guidance that eases NPL provision requirements for "responsible" banks (banks with good credit quality) while maintaining the existing requirements for "irresponsible" banks.17 Since the major state-controlled banks will largely meet the standards, they will be able to lend somewhat more (we estimate around 600 billion RMB or 0.7% of GDP). This would support the recent trend in which traditional bank lending rises as a share of total credit growth. Second, however, the CBIRC is requiring banks to reclassify all loans that are 90-or-more-days delinquent as NPLs, resulting in upward revisions of bank NPL ratios. This will send the official rate on an upward march toward 5%, from current extremely low 1.9% (Chart 8). It is the direction of change that matters, as NPL recognition can take on a life of its own. While many state banks may already have recognized the 90-day delinquent loans, many small and regional banks probably have not. Anecdotally, a number of small banks are reporting large NPL ratios as a result of the regulatory clampdown and definition change. Rural commercial banks, in particular, are in trouble with several showing NPLs in double digits (Chart 9). These small and regional banks will have until an unspecified date in 2019 to reclassify these loans and raise provisions against them. The result will hamper credit growth. Chart 8Bad Loan Ratios Set To Rise Chart 9City And Rural Commercial Banks Most At Risk Of Rising Bad Loans To get a more detailed picture of the NPL recognition process, we have updated our survey of 16 commercial banks listed on the A-share market.18 This research reveals that banks have continued to increase the amount of bad loans they have written off. While the NPL ratio has remained roughly the same, cumulative loan-loss write-offs combined with NPLs have reached 7% of total loans and are still rising (Chart 10). This shows that a cleansing process is well underway. It is concerning that write-offs have reached nearly 50% of pre-tax profits. And even as losses mount, the proportion of each year's losses to the previous year's NPLs has fallen, implying that the previous year's NPLs had grown bigger (Chart 11). Chart 10The Bank Cleansing Process Continues Chart 11Write-Offs Almost 50% Of Bank Profits Furthermore, while loan losses grow, the surveyed banks' profit growth has been reduced to virtually zero (Chart 12). Our updated "stress test" for Chinese banks, which is based on the same sample of 16 commercial banks, suggests that if total NPLs rise to a pessimistic, but still quite realistic, ratio of 13% (a weighted average of NPL ratio assumptions per sector, ranging from 10%-30%), then total losses could amount to 10.4 trillion RMB, or 12% of GDP (Table 1). Chart 12Write-Offs Weigh On##br## Bank Profit Growth Table 1Pessimistic Scenario Analysis ##br##For Commercial Bank NPLs In this scenario, banks' net equity would be impacted by 38% as this amount surpasses the buffer of net profits (1.75 trillion RMB) and NPL provisions (3 trillion). China's banks are well provisioned, but they would be less so after a hit of this nature. A similar stress-test by BCA's Emerging Markets Strategy found that equity impairment could range from 33%-49%, implying that Chinese banks were roughly 29% overvalued on a fair price-to-book-value basis.19 Looking at different economic sectors, it is apparent that domestic trade, manufacturing, and mining have seen the highest incidence of loans going sour (Table 2). In all three cases, it is reasonable to conjecture that the NPL ratio can continue to expand - and not only because of the definitional change. First, wholesale and retail (4.7%) consists largely of SMEs, and the government is publicly concerned about their ability to get credit. Second, manufacturing (3.9%) has been hit by changing trade patterns and rising labor costs and has not yet suffered the impact from recently imposed U.S. trade tariffs. Third, mining (3.6%) has felt the first wave of the impact from the government's cuts to overcapacity in recent years, but has seen very extensive restructuring and the fallout may continue. Table 2China: Troubled Sectors Can Produce More Bad Loans More realistic NPL recognition is an important and positive development for China over the long run. Over the short run, banks' efforts to write-off NPL losses will weigh on their willingness to lend and could pose a risk to overall economic activity. Bottom Line: The government's reform and restructuring efforts are initiating a process of creative destruction in the Chinese economy. This is most notable in the government's willingness to recognize NPLs, which will continue to weigh on credit growth. The government is trying to control the pace and intensity of this process, but we expect credit stimulus to be disappointing relative to fiscal stimulus as long as the financial regulatory crackdown is at least half-heartedly implemented. Anti-Corruption Campaign Is Market-Negative Another reason to expect total credit growth to remain subdued comes from the anti-corruption campaign and its probes into local government finances and the financial sector. Chart 13Anti-Corruption Campaign Trudges Onward One of the new institutions created in China's 2017-18 leadership reshuffle was the National Supervisory Commission (NSC). This is a powerful new commission that is capable of overseeing the highest state authority (the National People's Congress). It is also ranked above the formal legal system, the Supreme Court and the public prosecutor's office. It is charged with formalizing the anti-corruption campaign and extending it from the Communist Party into the state bureaucracy, including state-owned enterprises.20 Having operated for less than a year, it is not possible to draw firm conclusions about the doings of the NSC, let alone any macro impact. Tentatively, the commission has focused on financial and economic crimes that have the potential to create a "chilling effect" among government officials and bank executives.21 Notably, the NSC has investigated Lai Xiaomin, former chief executive of Huarong, the largest of the big four Asset Management Corporations (AMCs), i.e. China's "bad banks." There is more than one reason for Huarong to attract the attention of investigators, but it is notable that it had extensive investments in areas outside its official duty of acquiring and disposing of NPLs. The implication could be that the government wants the AMCs to focus on their core competency: cleaning up the coming deluge of NPLs. The anti-corruption is also targeting local government officials for misappropriating state funds. These investigations involve punishment of provincial officials for false accounting as well as embezzlement and other crimes. We have noted before that the provinces that revised down their GDP growth targets most aggressively this year were also some of the hardest hit with anti-corruption probes into falsifying data and misallocating capital.22 On several occasions it has appeared as if the anti-corruption campaign was losing steam, but the broadest tally of cases under investigation suggest that it is still going strong despite hitting a peak at the beginning of the year (Chart 13). The campaign remains a potential source of disruption among the very officials whose risk appetite will determine whether central government policy easing actually results in additional bank lending and local government borrowing. Bottom Line: While difficult to quantify, the anti-corruption campaign will dampen animal spirits within local governments and the financial sector as long as the new NSC is seeking to establish itself and the Xi administration remains committed to prosecuting the campaign aggressively. Investment Conclusions We would be surprised if credit growth did not perk up at least somewhat as a result of the past month's easing measures. But as outlined above, these measures may disappoint the markets as a result of the ongoing financial regulatory drive, the baggage of NPL recognition, and any negative impact on risk appetite due to the anti-corruption campaign. And this is not even to mention the dampening effects of ongoing property sector and pollution curbs.23 In lieu of a credit surge, Beijing is likely to rely more on fiscal spending to stabilize growth. Fiscal spending also faces complications, of course. In recent years, China's local governments have built up a potentially massive pool of off-balance-sheet debt due to structural factors limiting local government revenue generation (Table 3). Beijing is now attempting to force this debt into the light. The local government debt maturity schedule suggests a persistent headwind in coming years as hidden debt is brought onto the balance sheet and governments scramble to meet payment deadlines (Chart 14). In addition, the local government debt swap program launched in 2014-15 will wrap up this month. Table 3Estimates Of Hidden Local Government Debt Chart 14Local Governments Face Rising Debt Payments Nevertheless Beijing has introduced a new class of "refinancing bonds" in 2018 to help stabilize the fiscal situation. These bonds are separate from brand new bonds that have the potential to increase significantly over the second half of this year. China's Finance Ministry has also reportedly asked local governments to issue 80 percent of net new special purpose bonds by the end of September. Since only about a quarter of the year's 1.35 trillion RMB quota was issued in H1, this order would mean that about half of the quota (675 billion RMB out of 1.35 trillion RMB) would be issued in August and September alone - implying a significant surge to Chinese demand, albeit with a lag of six months or so.24 The latest data releases from July suggest that Beijing is trying to do two things at once: ease liquidity conditions while cracking down on excess leverage. Until we see a spike in credit growth, we will continue to expect the policy turn to be only moderately reflationary, with the ability to offset existing headwinds but not spark a broad-based reacceleration of the economy. Going forward, data for the month of August will be very important to monitor, as many of the easing measures were not announced until late July. For all the reasons outlined in this two-part Special Report, we would view a sharp increase in total credit as a game-changer that would point toward a "stimulus overshoot" (Table 4). Such an overshoot is less likely if the government relies more heavily on fiscal spending this time around, which is what we expect. Table 4Will China Over-Stimulate This Time Around? Meanwhile, turmoil in emerging markets - which we fully anticipated based on China's policy headwinds this year and our dollar bullish view - will only be exacerbated by China's unwillingness to stimulate massively.25 Matt Gertken, Associate Vice President Geopolitical Strategy mattg@bcaresearch.com Qingyun Xu, Senior Analyst qingyun@bcaresearch.com Yushu Ma, Contributing Editor yushum@bcaresearch.com 1 Please see BCA Geopolitical Strategy and China Investment Strategy Special Report, "China: How Stimulating Is The Stimulus?" dated August 8, 2018, available at gps.bcaresearch.com. 2 Please see BCA China Investment Strategy Special Report, "The Data Lab: Testing The Predictability Of China's Business Cycle," dated November 30, 2017, available at cis.bcaresearch.com. 3 Please see BCA China Investment Strategy Weekly Report, "China Is Easing Up On The Brake, Not Pressing The Accelerator," dated July 26, 2018, available at cis.bcaresearch.com. 4 Please see BCA Geopolitical Strategy Weekly Report, "Political Risks Are Understated In 2018," dated April 12, 2017, available at gps.bcaresearch.com. 5 Please see BCA Geopolitical Strategy Special Report, "China: Looking Beyond The Party Congress," dated July 19, 2017, available at gps.bcaresearch.com. 6 Please see BCA Geopolitical Strategy Special Report, "Geopolitics - From Overstated To Understated Risks," dated November 22, 2017, available at gps.bcaresearch.com. 7 Please see BCA Geopolitical Strategy Special Report, "Politics Are Stimulative, Everywhere But China," dated February 28, 2018, available at gps.bcaresearch.com. 8 Please see BCA Geopolitical Strategy Special Report, "The Wrath Of Cohn," dated July 26, 2017, available at gps.bcaresearch.com. 9 Please see footnote 8 above. 10 Please see BCA Geopolitical Strategy Weekly Report, "Italy, Spain, Trade Wars... Oh My!" dated May 30, 2018, available at gps.bcaresearch.com. 11 Please see Part I of this series in footnote 1 above. 12 Please see BCA China Investment Strategy Weekly Report, "Now What?" dated June 27, 2018, available at cis.bcaresearch.com. Note that according to the new asset management rules, financial institutions will be required to have a risk reserve worth 10% of their fee income, or corresponding risk capital provisions. When the risk reserve balance reaches 1% of the product balance, no further risk provision will be required. We estimate that setting aside these funds will be a form of financial tightening worth about 1.2% of GDP. 13 Please see Liansheng Zheng, "The Macro Prudential Assessment Framework of China: Background, Evaluation and Current and Future Policy," Center for International Governance Innovation, CIGI Papers No. 164 (March 2018), available at www.cigionline.com. 14 Recall that the second category of the MPA consists of bank assets and liabilities. This category also has a rule for broad credit growth, which is that it should not exceed broad money (M2) plus 20%-25%. Therefore passing this part of the exam already requires banks to meet a 28%-33% speed limit on new credit. Assuming that that the pro-cyclical parameter of the CAR category remains at its current minimum of 0.4, then the structural parameter cannot be effectively pushed any lower than 0.6-0.8. The bottom line is that pushing the CAR structural parameter lower is not going to yield a significant increase in the allowable rate of credit growth. 15 To reach this estimate, we began with the fact that the outstanding level of broad credit growth was around 207 trillion RMB by the end of 2017 (that is, loans plus bonds plus equities plus wealth management products and other off-balance-sheet assets). The 2017 growth rate was about 10% and is assumed to be the same in 2018. Therefore broad credit should reach 227.7 trillion by the end of the year. Then, if we assume that all banks lend at the maximum weighted growth rate allowed by adjusting the structural parameter in the MPA CAR requirement (which is 30%), outstanding broad credit would reach 269.1 trillion by the end of the year. Hence an extra 41.4 trillion RMB in broad credit growth would be released. For comparison, please see CITIC Bond Investment, "Deep Analysis: Impact of Parameter Adjustments in the MPA Framework," July 30, 2018, available at www.sohu.com. 16 Based on actual CARs in 2017, the limit to broad credit growth was 17%-22% for large state-owned banks, 10%-20% for joint-equity banks, and 15%-20% for city or rural commercial banks. However, the actual broad credit growth for most banks was a lot lower than that. For example, for all five state-owned banks (nationally systemically important financial institutions), it was below 10%, well beneath the 17%-22% determined by their actual CARs and C*. 17 Under current regulations, the loan provision ratio is 2.5% while the NPL provision coverage ratio is 150%. The higher of the two is the regulatory standard for commercial banks. On February 28, 2018, the China Banking Regulatory Commission issued a notice declaring that the coverage requirement would change to a range of 120%-150%, while the loan provision requirement would change to a range of 1.5%-2.5%. Banks would qualify for the easier requirements according to how accurately they classified their loans, whether they disposed of their bad loans, and whether they maintained appropriate capital adequacy ratios. This could result in a release of about 800 billion RMB worth of provisions that can be kept as core tier-1 capital or support new lending. 18 Please see BCA China Investment Strategy Special Report, "Stress-Testing Chinese Banks," dated July 27, 2016, available at cis.bcaresearch.com. 19 Please see BCA Emerging Markets Strategy Weekly Report, "Mind The Breakdowns," dated July 5, 2018, and Special Report, "Long Indian / Short Chinese Banks," dated January 17, 2018, available at ems.bcaresearch.com. 20 Please see Jamie P. Horsley, "What's So Controversial About China's New Anti-Corruption Body?" The Diplomat, May 30, 2018, available at thediplomat.com. 21 The NSC is operationally very close to the Central Discipline Inspection Commission (CDIC), which is the Communist Party corruption watchdog formerly headed by heavyweight Wang Qishan. It received only a 10% increase in manpower over the CDIC in order to expand its target range by 200% (covering all state agencies and state-linked organizations). It has allegedly meted out 240,000 punishments in the first half of 2018, up from 210,000 during the same period last year and 163,000 in H1 2016. About 28 of these cases were provincial-level cases or higher. The controversy over the "rights of the detained" has been highlighted by the beating of a local government official's limousine driver in one of the organization's first publicly reported actions. The NSC has also arrested local government officials tied to "corruption kingpin" Zhou Yongkang and known for misappropriating budgetary funds, and has secured the repatriation of fugitives who fled abroad and recovered the assets that they stole or embezzled. 22 The provinces include Tianjin, Chongqing, Liaoning, Inner Mongolia, etc. Please see BCA Geopolitical Strategy "Trump, Year Two: Let The Trade War Begin," dated March 14, 2018, available at gps.bcaresearch.com. There is empirical evidence that anti-corruption probes are correlated with debt defaults. Please see Haoyu Gao, Hong Ru and Dragon Yongjun Tang, "Subnational Debt of China: The Politics-Finance Nexus," dated September 12, 2017, available at gcfp.mit.edu. 23 Please see BCA Emerging Markets Strategy Special Report, "China Real Estate: A Never-Bursting Bubble?" dated April 6, 2018, available at ems.bcaresearch.com, and Commodity & Energy Strategy Weekly Report, "Blue Skies Drive China's Steel Policy," dated August 9, 2018, available at ces.bcaresearch.com. 24 Please see "As economy cools, China sets deadline for local government special bond sales," Reuters, dated August 14, 2018, available at www.reuters.com. For more on local government bond issuance, see Part I of this series in footnote 1 above. Note also rumors in Chinese media suggesting that a new local government debt swap program could be launched with the responsibility of tackling off-balance-sheet debts that are guaranteed by local governments. The program has thus far only swapped debts that local governments were obligated to pay. It is not clear what would happen to a third class of local debt, that which is neither an obligation upon local governments nor guaranteed by them but that nevertheless is deemed to serve a public interest. 25 Please see BCA Geopolitical Strategy Weekly Report, "The EM Bloodbath Has Nothing To Do With Trump," dated August 14, 2018, available at gps.bcaresearch.com.
Highlights It has not been a lot of fun being a corporate bond investor in 2018. Global credit markets have struggled to deliver positive returns, amid a news flow that has been overwhelming at times. Geopolitical uncertainty, shifting monetary policy biases, greater inflation pressures, intensifying trade tensions, a rising U.S. dollar, slowing Chinese growth - all have combined to form a backdrop where investors should require wider risk premiums to own risky assets like corporate debt. Yet are wider spreads justified relative to the underlying financial health of companies? Feature Chart 1Global Corporates: Fading Support From##BR##Growth & Monetary Policy Against this backdrop of more uncertainty in credit markets, we are presenting our latest update of the BCA Corporate Health Monitor (CHM) Chartbook. The CHMs are composite indicators of balance sheet and income statement ratios (using both top-down and bottom-up data) that are designed to assess the financial well-being of the overall non-financial corporate sectors in the major developed economies. A brief overview of the methodology is presented in Appendix 1 on page 16. The broad conclusion from the latest readings on our CHMs is that global credit quality has been enjoying a cyclical improvement across countries, regions and credit tiers. The U.S. has delivered the biggest improvement in corporate health, compared to the recent past and to bearish investor perceptions as well. Much of that can be attributed to the impact of the Trump corporate tax cuts, though. At the same time, there have even been significant improvements in profitability metrics in regions that have lagged during the current global economic expansion, like Peripheral Europe. We recently downgraded our overall global spread product allocation to neutral.1 This reflected the increased concerns of the BCA Strategists that valuations on global risk assets looked rich compared to growing geopolitical risks (U.S.-China trade tensions, U.S.-Iran military tensions). Yet it also was related to the ongoing development of our biggest investment theme for 2018 - the eventual likely collision between tightening global monetary policy and rich valuations on global risk assets. Looking ahead, the tailwinds that have been supportive for corporate health and the performance of global corporate debt in the past couple of years - a coordinated cyclical upturn driving solid earnings growth, with low inflation allowing monetary policies to stay accommodative - are becoming headwinds (Chart 1). The overall OECD leading economic indicator, which is well correlated to the annual excess returns of global high-yield debt, has peaked. Central banks are either delivering rate hikes, talking about rate hikes, or cutting back on the pace of balance sheet expansion. All of these factors will weigh on corporate bond returns over the next 6-12 months. U.S. Corporate Health Monitors: Improving Thanks To Resilient Growth & Tax Cuts Chart 2Top-Down U.S. CHM:##BR##Boosted By Cyclically Strong Profits Our top-down CHM for the U.S. has been in the "deteriorating health" region for fifteen consecutive quarters dating back to the middle of 2014 (Chart 2). That streak appears set to end soon, as the indicator has been falling since peaking in 2016 and now sits just above the zero line. The resilience of the U.S. economy, combined with the positive impact on U.S. profitability from the Trump corporate cuts, has put U.S. companies in a cyclically healthier position, even with relatively high leverage. It is important to note that the top-down CHM uses after-tax earnings measures in several of the ratios the go into the indicator: return on capital, profit margin and debt coverage. All three of those ratios saw significant upticks in the first quarter of 2018, which is the latest available data for the top-down CHM. The Trump tax cuts did take effect at the start of the year, but given the robust results seen in reported second quarter profits reported so far, a bigger impact will likely be visible once we are able to update the CHM for the most recently completed quarter. The ability for U.S. companies to continue expanding margins will be tested in the next 6-12 months. The tight U.S. labor market is pushing up wage growth, which will pressure margins and prompt some firms to try and raise prices to compensate. Firming U.S. inflation is already keeping the Fed on a 25bps-per-quarter pace of rate hikes, and perhaps more if U.S. inflation continues to accelerate without any slowing of U.S. economic growth. If the Fed starts actively targeting a slower pace of U.S. growth to cool off inflation, credit markets will take notice and U.S. corporate debt will underperform. From a fundamental perspective, the top-down U.S. CHM suggests that the U.S. credit cycle is being extended by the stubborn endurance of the U.S. business cycle. There are no imminent domestic pressures on U.S. corporate finances that should require wider credit spreads to compensate for rising default risk. The bottom-up versions of the U.S. CHMs for investment grade (IG) corporates (Chart 3) and high-yield (HY) companies (Chart 4) have also both improved, with the HY indicator now crossing over the zero line into "improving health" territory. This confirms that the signal from our top-down CHM is being reflected in both higher-rated and lower quality companies. Yet the longer-term issues of high leverage and low interest/debt coverage are not going away, suggesting that potential problems are being stored up for the next U.S. economic downturn. What also remains worrying is the fact that IG interest coverage has fallen in recent years, despite high profit margins and historically low corporate borrowing rates. This indicates that the stock of U.S. corporate debt is now so large that the interest expense required to service that debt is eating up a greater share of corporate earnings, even at a time when profit growth is still quite strong. This will raise downgrade risk if corporate borrowing rates were to rise significantly or if U.S. earnings growth slows sharply. We moved our recommended stance on U.S. IG and HY to neutral at the end of June as part of our downgrade of overall global spread product exposure. We may consider a move back to overweight (versus U.S. Treasuries) on any meaningful spread widening given our optimistic view on U.S. economic growth and the positive measure on credit risk signaled by our CHMs. Yet it may be difficult to get such an opportunity. The U.S. is reaching a more challenging point in the monetary policy cycle with the Fed likely to shift to a restrictive stance within the next 6-12 months. At the same time, there are risks to the U.S. economy stemming from the widening U.S.-China trade conflict, a stronger U.S. dollar and, potentially, the growing turmoil in emerging markets. Yet the state of U.S. corporate health has improved substantially, leaving companies less immediately vulnerable to any of those shocks. Given this balance of risks, a neutral stance on U.S. corporates remains appropriate (Chart 5). Chart 3Bottom-Up U.S. Investment Grade CHM:##BR##Stable, But Watch Profit Margins Chart 4Bottom-Up U.S. High-Yield CHM:##BR##Cyclical Improvement Chart 5U.S. Corporates:##BR##Stay Neutral IG & HY Euro Corporate Health Monitors: Strong Economy, Big Improvements Our top-down euro area CHM remains in "improving health" territory, as has been the case for the past decade (Chart 6). The indicator had been worsening towards the zero line during 2016-17, but rebounded in the first quarter of 2018 thanks to a pickup in profit margins and debt coverage. Those positive developments are even more impressive since they occurred during a quarter when there was some cooling from the robust pace of economic growth seen in 2017. Chart 6Top-Down Euro Area CHM: Modestly Improving Interest coverage and liquidity remain in structural uptrends, supported by the super-easy monetary policies of the European Central Bank (ECB) that have lowered corporate borrowing costs (negative short-term interest rates, liquidity programs designed to prompt low-cost bank lending, and asset purchase programs that include buying of corporate bonds). Our bottom-up versions of the CHMs for euro area IG (Chart 7) and HY (Chart 8), which are based on individual company earnings data, both confirm the positive message from the top-down CHM. For IG, a noticeable gap has opened up between domestic and foreign issuers in the euro area corporate bond market. Return on capital, operating margins, interest coverage and debt coverage all ticked higher in the first quarter of this year, while leverage slightly declined. Those developments were not repeated among the foreign issuers in our sample. Within the Euro Area, our bottom-up CHMs show that the gap has closed between IG issuers from the core countries versus the periphery, but both remain in the "improving health" zone. (Chart 9). Somewhat surprisingly, the only ratios where there is a material difference are leverage (150% and falling in the periphery, 100% and stable in the core countries) and interest coverage (rising sharply toward 5x in the periphery, stable just above 6x in the core). Despite the improvement in the CHMs, credit spreads for euro area IG and HY have both widened over the course of 2018, while excess returns have been negative year-to-date (Chart 10). Looking ahead, we see the biggest threat for euro area corporate bond performance to come from a shift in ECB policy. We expect the ECB to follow through on its commitment to fully taper net new government bond purchases by the end of 2018, while continuing to reinvest the proceeds of maturing debt in 2019 and beyond. It is less clear what the ECB will do with its corporate bond buying program, and there has been some speculation that the ECB could leave its corporate program untouched while tapering the government purchases. We doubt that the ECB would want to make such a distinction that would artificially suppress corporate borrowing costs relative to government yields. The ECB is more likely to end both programs concurrently at the end of the year, which will remove a major prop under the euro area corporate bond market. This is a main reason why we are currently recommending an underweight stance on euro area corporates versus U.S. corporates. Chart 7Bottom-Up Euro Area Investment Grade CHMs: Domestic Issuers Looking Better Chart 8Bottom-Up Euro Area High-Yield CHMs: Falling Leverage, Mediocre Profitability Chart 9Bottom-Up Euro Area IG CHMs: Periphery Improving vs Core Yet the bigger reason why we prefer corporates from the U.S. over the euro area is that the relative improvement in corporate health has been bigger in the U.S. The gap between our top-down CHMs for the U.S. and Europe has proven to be an excellent directional indicator for the relative performance of U.S. credit vs Europe (Chart 11). That CHM gap continues to favor U.S. credit, which has been outperforming over the past several months (on a common currency basis compared to euro area debt hedged in USD). Chart 10Euro Area Corporates:##BR##Stay Underweight IG & HY Chart 11Relative Top-Down CHMs:##BR##Continue To Favor U.S. over Europe U.K. Corporate Health Monitor: Deteriorating Amid Rising Domestic Risks The U.K. CHM saw a significant deterioration in the first quarter of 2018, thanks largely to slowing U.K. growth that has impacted all the profit-focused ratios (Chart 12). The CHM is still in the "improving health" zone, but just barely. Seeing the return on capital, profit margin, interest coverage and debt coverage ratios all roll over at historically low levels is a worrying sign for future U.K. credit quality. This is especially true given the extremely stimulative monetary policy run by the Bank of England (BoE) since the 2008 Global Financial Crisis. The only ratio in the U.K. CHM that has seen steady improvement over the past decade is short-term liquidity (bottom panel), which has been boosted by steady increases in working capital. The performance of U.K. credit has benefited from the BoE's additional monetary policy measures taken after the shock Brexit vote in 2016. This involved both interest rate cuts and asset purchases, which included buying of U.K. corporate bonds. The BoE has shifted its policy bias from easing to tightening over the past year, even with sluggish U.K. economic growth and still-unresolved uncertainty about the future U.K. trading relationship with the European Union. This has raised the risks that the BoE could commit a policy error through additional interest rate hikes over the next 6-12 months, especially if policymakers focus more on targeting higher real policy rates as we discussed in a recent Weekly Report.2 U.K. corporates have been a laggard among global credit markets throughout 2018 and especially so in the month of July during a generally positive month for global corporate debt (Chart 13). We see the underperformance continuing in the coming months, as wider spreads will be required given the uncertainties surrounding Brexit, economic growth and BoE monetary policy. Stay underweight U.K. corporate debt within an overall neutral allocation to global spread product. Chart 12U.K. Top-Down CHM: Cyclical Deterioration Chart 13U.K. Corporates: Stay Underweight Japan Corporate Health Monitor: No Problems Here We added Japan to our suite of global CHMs earlier this year.3 Although the Japanese corporate bond market is small (the Bloomberg Barclays Japan Corporates index only has a market capitalization of $116bn), the asset class does provide opportunities for investors to pick up a bit of yield versus zero-yielding Japanese government bonds (JGBs) Japanese corporate health has been excellent for the past decade, with the CHM steadily holding in "improving health" territory (Chart 14). The trends in the Japan CHM ratios since 2008 are quite different than those seen in the CHMs for other countries. Leverage has been steadily falling, return on capital has been steadily rising (and has now converged to the 6% level seen in other countries' CHMs), and the interest coverage multiple of 9.6x is by far the largest in our CHM universe. Default risk is non-existent in Japan. Only pre-tax operating margins for our bottom-up Japan CHM have lagged those in other countries, languishing at 6% for the past three years. Yet Japanese corporate profits are at all-time highs, a logical outcome when companies can borrow at less than 50bps and earn a return on capital of 6%. That wide gap should allow Japanese companies to continue to earn steady, strong profits even with wage inflation finally showing life in Japan alongside a 2.3% unemployment rate. Japanese corporate bond spreads have widened a bit in 2018, but remain far more stable compared to corporates in other developed markets (Chart 15). The lack of spread volatility has allowed Japanese corporates to steadily outperform JGBs since 2011, even as all Japanese bond yields have collapsed. That trend is likely to continue, as the Bank of Japan (BoJ) is still a long way from being able to credibly pull off any upward adjustment of the current 0% BoJ yield target on 10-year JGBs. Chart 14Japan Bottom-Up CHM: Still Healthy,##BR##But Has Cyclical Improvement Peaked? Chart 15Japan Corporates:##BR##Stay Overweight vs JGBs Importantly, the BoJ recently introduced new forward guidance that states there will be no interest rate hikes until at least 2020. This will positively affect Japanese corporate health by keeping borrowing costs extremely low and preventing any unwanted strength in the yen that could damage Japanese competitiveness. There is a risk that increasing global trade tensions could impact the export-heavy Japanese economy and damage corporate profit growth and corporate bond performance. We do not yet see that as a major risk that could derail the Japanese economy and we continue to recommend an overweight stance on Japanese corporate debt vs JGBs. Canada Corporate Health Monitor: Faster Growth Hiding Structural Warts We introduced both top-down and bottom-up CHMs for Canada in our previous CHM Chartbook in April. As was the case then, both CHMs are in "improving health" territory (Chart 16). These CHMs are typically correlated to the price of oil, as befits Canada's status as a major energy exporter. Yet the strong CHMs also reflect the solid pace of overall Canadian economic growth. Looking at the individual components of the Canada CHMs, the leverage ratios for both measures have been steadily rising and currently sit above 100%. The return on capital has been in a structural downtrend, as is the case for most countries in our CHM universe (excluding Japan), but has ticked up alongside faster economic growth over the past couple of years. There was a noticeable drop in the margin ratio for the bottom-up CHM, coming entirely from the HY firms within our sample group of companies. Interest coverage and debt coverage ratios remain depressed, even with some improvement in corporate profits. This is partially due to rising interest rates as the Bank of Canada (BoC) has been tightening monetary policy - a trend that we expect to continue over the next 6-12 months. Canadian corporate bond spreads have widened slightly since the start of 2018, but remain tight relative to a longer-term history (Chart 17). Excess returns over Canadian government bonds have flattened out after enjoying a very solid period of outperformance in 2016-17. Looking ahead, there are balanced risks to the outlook for Canadian corporate debt. Chart 16Canada CHMs: Cyclically Improving,##BR##But Longer-Term Problems Are Building Chart 17Canadian Corporates:##BR##Stay Neutral Vs Canadian Government Debt We continue to expect the BoC to hike rates because of solid growth and faster inflation in Canada. Yet we do not see the BoC moving rapidly to a restrictive monetary stance that would damage growth expectations and trigger some credit spread widening. At the same time, we also see risks stemming from Canada-U.S. trade disagreements that could hurt Canadian growth and cause investors to demand cheaper valuations for Canadian corporate bonds. Adding it all up, a neutral stance on Canadian corporates versus government debt remains appropriate, largely as a carry trade. Robert Robis, Senior Vice President Global Fixed Income Strategy rrobis@bcaresearch.com Ray Park, Research Analyst ray@bcaresearch.com Appendix 1: An Overview Of The BCA Corporate Health Monitors The BCA Corporate Health Monitor (CHM) is a composite indicator designed to assess the underlying financial strength of the corporate sector for a country. The Monitor is an average of six financial ratios inspired by those used by credit rating agencies to evaluate individual companies. However, we calculate our ratios using top-down (national accounts) data for profits, interest expense, debt levels, etc. The idea is to treat the entire corporate sector as if it were one big company, and then look at the credit metrics that would be used to assign a credit rating to it. Importantly, only data for the non-financial corporate sector is used in the CHM, as the measures that would be used to measure the underlying health of banks and other financial firms are different than those for the typical company. The six ratios used in the CHM are shown in Table 1 below. To construct the CHM, the individual ratios are standardized, added together, and then shown as a deviation from the medium-term trend. That last part is important, as it introduces more cyclicality into the CHM and allows it to better capture major turning points in corporate well-being. Largely because of this construction, the CHM has a very good track record at heralding trend changes in corporate credit spreads (both for Investment Grade and High-Yield) over many cycles. Top-down CHMs are now available for the U.S., euro area, the U.K. and Canada. The CHM methodology was extended in 2016 to look at corporate health by industry and by credit quality.4 The financial data of a broad set of individual U.S. and euro area companies was used to construct individual "bottom-up" CHMs using the same procedure as the more familiar top-down CHM. Some of the ratios differ from those used in the top-down CHM (see Table 1), largely due to definitional differences in data presented in national income accounts versus those from actual individual company financial statements. The bottom-up CHMs analyze the health of individual sectors, and can be aggregated up into broad CHMs for Investment Grade and High-Yield groupings to compare with credit spreads. In 2018, we introduced bottom-up CHMs for Japan and Canada. Table 1Definitions Of Ratios That Go Into The CHMs With the country expansion of our CHM universe, we now have coverage for 92% of the Bloomberg Barclays Global Aggregate Corporate Bond Index (Appendix Chart 1). Appendix Chart 1We Now Have CHM Coverage For 92% Of The Developed Market Corporate Bond Universe 1 Please see BCA Global Fixed Income Weekly Report, "Time To Take Some Chips Off The Table; Downgrade Global Corporate Bond Exposure To Neutral", dated June 26 2018, available at gfis.bcaresearch.com. 2 Please see BCA Global Fixed Income Strategy Weekly Report, "An R-Star Is Born", dated August 7th 2018, available at gfis.bcaresearch.com. 3 Please see BCA Global Fixed Income Strategy Weekly Report, "Sticking With The Plan", dated March 13th 2018, available at gfis.bcaresearch.com. 4 Please see Section II of The Bank Credit Analyst, "U.S. Corporate Health Gets A Failing Grade", dated February 2016, available at bca.bcaresearch.com. Appendix 2: U.S. Bottom-Up CHMs For Selected Sectors Recommendations The GFIS Recommended Portfolio Vs. The Custom Benchmark Index Duration Regional Allocation Spread Product Tactical Trades Yields & Returns Global Bond Yields Historical Returns
Highlights President Trump has little to do with the ongoing EM selloff; The macro backdrop is the real culprit behind Turkey's woes, particularly the strong dollar... ... Which is a product of global policy divergence, with the U.S. stimulating while China pursues growth-constraining reforms; Chinese stimulus is important to watch, as it could change the game, but we do not expect China to save EM as it did in 2015; Turkey's troubles are a product of its late-stage populist cycle and will not end with Trump's magnanimity; The positive spin on the EM bloodbath is that it may force the Fed to slow its rate hikes, prolonging the business cycle. Feature Chart 1EM: Bloodbath Markets are selling off in Turkey and the wider EM economies (Chart 1), with the financial media focusing on the actions taken by the U.S. President Donald Trump in the escalating diplomatic spat between the two countries. Investors should be very clear what it means to ascribe the ongoing selloff to President Trump's aggressive posture with Ankara in particular and trade in general. If President Trump started EM's troubles with his tweets, he can then end them with another late-night missive. This is not our view. Turkey is enveloped in a deep morass of populism and weak fundamentals since at least 2013. What is worse, the ongoing selloff is likely going to ensnare at least the other fragile EM economies and potentially take down EM as an asset class. In this Report, we recount the pernicious macro backdrop - both geopolitical and economic - that EM economies face today. We then focus on Turkey itself and show that President Trump has little to do with the current selloff. The Bloodbath Is Afoot, Again Every financial bubble, and every financial bust, begins with a compelling story grounded in solid fundamentals. The now by-gone EM "Goldilocks Era" (2001-2011) was primarily driven by exogenous factors: a generational debt-fueled consumption binge in DM; an investment-fueled double-digit growth rate in China that kicked off a structural commodity bull market; and the unleashing of pent-up EM consumption/credit demand (Chart 2).1 These EM tailwinds petered out by 2011. Subsequently, China and EM economies entered a major downtrend that culminated in a massive commodity rout that began in 2014. But before the bloodbath could motivate policymakers to initiate painful structural reforms, Chinese policymakers stimulated in earnest. In the second half of 2015, Beijing became unnerved and injected enormous amount of credit and fiscal stimulus into the mainland economy (Chart 3). The intervention, however, did not change the pernicious fundamentals driving EM economies but merely caused "a mid-cycle recovery, or hiatus, in an unfinished downtrend," as our EM strategists have recently pointed out (Chart 4).2 Chart 2Goldilocks Era##BR##Is Over For EM Chart 3Is China About To Cause Another##BR##EM Mid-Cycle Recovery? Take Brazil, for example. Instead of using the 2014-2015 generational downturn to double-down on painful fiscal and pension reforms, the country's politicians declared President Dilma Rousseff to be the root-cause of all evil that befell the nation, impeached her in April 2016, and then proceeded to unceremoniously punt all painful reforms until after this year's election (if ever). They were enabled to do so by the "mid-cycle recovery" spurred by Chinese stimulus. In other words, Brazil's policymakers did nothing to actually deserve the recovery in asset prices but got one anyway. The country now will experience "faceoff time" with the markets, with no public support for painful reforms (Chart 5) and hardly an orthodox candidate in sight ahead of the October general election.3 Chart 4Where Are China/EM In The Cycle? Chart 5Brazil's Population Is Not Open To Fiscal Austerity Could Brazilian and Turkish policymakers be in luck, as Chinese policymakers have blinked again?4 Our assessment is that the coming stimulus will not be as stimulative as in 2015. First, President Xi's monetary and fiscal policy, since coming into office in 2012, has been biased towards tightening (Chart 6). Second, Chinese leverage has plateaued (Chart 7). In fact, "debt servicing" is now the third-fastest category of fiscal spending growth since Xi came to power (Table 1). Third, the July 31 Politburo statement pledged to make fiscal policy "more proactive" and "supportive," but also reaffirmed the commitment to continue the campaign against systemic risk. Chart 6Xi Jinping Caps##BR##Government Spending And Credit Chart 7The Rise And Plateau##BR##Of Macro Leverage Whether China's mid-year stimulus will be globally stimulative is now the question for global investors. The key data to watch out of China will be August credit numbers, to be released September 9th through 15th. Is President Trump not to be blamed at all for the EM selloff? What about the trade war against China? If anything, tariffs against China have caused Beijing to "blink" and implement some stimulative measures this summer. If one must find fault in U.S. policy, it is the double dose of fiscal stimulus that has endangered EM economies. A key theme for BCA's Geopolitical Strategy this year has been the idea that global policy divergence would replace the global growth convergence.5 Populist economic stimulus in the U.S. and structural reforms in China would imperil growth in the latter and accelerate it in the former, forming a bullish environment for the U.S. dollar (Chart 8). Table 1Total Government Spending Preferences (Under Leader's General Control) Chart 8U.S. Outperformance Should Be Bullish USD As such, the White House is partly responsible for the EM selloff, but not in any way that can be changed with a tweet or a handshake. Furthermore, we do not see the upcoming U.S. midterm election as somehow capable of altering the global growth dynamics.6 It is highly unlikely that Democrats will seek to spend less, and they cannot raise taxes under Trump. Bottom Line: EM economies have never adjusted to the end of their Goldilocks era. A surge in global liquidity pushed investors further down the risk-curve, propping up EM assets despite poor macro fundamentals. China's massive 2015-2016 stimulus arrested the bear market, giving investors a perception that EM economies had recovered. This mid-cycle hiatus, however, has now been overtaken by the global policy divergence between Washington and Beijing, which is bullish USD. President Trump's trade tariffs and aggressive pressure on Turkey do not help. However, they are merely the catalyst, not the cause, of the selloff. As such, investors should not "buy" EM on a resolution of China-U.S. trade tensions or of the Washington-Ankara diplomatic dispute. Contagion Risk BCA's Emerging Market Strategy is clear: in all episodes of a major EM selloff, the de-coupling between different regions proved to be unsustainable, and the markets that showed initial resilience eventually re-coupled to the downside (Chart 9).7 One reason to expect contagion risk among all EM markets is that the primary export market for China and other East Asian exporters are other EM economies, particularly the commodity producers (Chart 10). As such, it is highly unlikely that East Asian EM economies will be able to avoid a downturn. In fact, leading indicators of exports and manufacturing, such as Korea's manufacturing shipments-to-inventory ratio and Taiwan's semiconductor shipments-to-inventory ratio herald further deceleration in their respective export sectors (Chart 11). Chart 9Asian And Latin American Equities:##BR##Unsustainable Divergences Chart 10EM Trades##BR##With EM Chart 11Asia Export##BR##Slowdown Is Afoot In respect of foreign funding requirements of EM economies, our EM strategists have pointed out that there is a substantive amount of foreign currency debt coming due in 2018 (Table 2), with majority EM economies facing much higher foreign debt burdens than in 1996 (Table 3).8 Investors should not, however, rely merely on debt as percent of GDP ratios for their vulnerability assessment. For example, Malaysia's private sector FX debt load stands at 63.7% of GDP, the second highest level after Turkey. But relative to total exports (a source of revenue for its indebted corporates) and FX reserves (which the central bank can use to plug the gap in the balance of payments), Malaysia actually scores fairly well. Table 2EM: Short-Term (Due In 2018) FX Debt Table 3EM Private Sector FX Debt: 1996 Versus Today Chart 12 shows the most vulnerable EM economies in terms of foreign currency private sector debt exposure relative to FX reserves and total exports. Unsurprisingly, Turkey stands as the most vulnerable economy, along with Argentina, Brazil, Indonesia, Chile, and Colombia. Chart 12BCA's Emerging Markets Strategy Has Already Pinned Turkey As The Most Vulnerable EM Economy Will the EM selloff eventually ensnare DM economies as well, particularly the U.S.? We think yes. The drawdown in EM will bid up safe-haven assets like the U.S. dollar. The dollar can be thought of as America's second central bank, along with the Fed. If both the greenback and the Fed are tightening monetary conditions, eventually the U.S. economy will feel the burn. As such, it is dangerous to dismiss the ongoing crisis in Turkey as a merely localized problem that could, at its worst, spread to other EM economies. In 1997, Thailand played a similar role to that of Turkey. The Fed tightened rates in early 1997 and largely remained aloof of the developing East Asia crisis that eventually spread to Brazil and Russia, ignoring the tumult abroad until September 1998 when it finally cut rates three times. Fed policy easing at the end of 1998 ushered in the stock market overshoot and dot-com bubble, whose burst caused the end of the economic cycle. The same playbook may be occurring today. The Fed, motivated by the strong U.S. economy and fears of being too close to the zero-bound ahead of the next recession, is proceeding apace with its tightening cycle. It is likely to ignore troubles in the rest of the world until the USD overshoots or U.S. equities are impacted directly. At that point, perhaps later this year or early next year, the Fed will back off from tightening, ushering the one last overshoot phase ahead of the recession in 2020 - or beyond. Bottom Line: Research by BCA's EM strategists shows that EM contagion is almost never contained in just a few vulnerable economies. For investors who have to remain invested in EM economies, we would recommend that they go long Chinese equities relative to EM, given that Beijing policymakers are stimulating the economy to ensure that Chinese growth is stabilized. While this will be positive for China, it is likely to fall short of the 2015 stimulus that also stimulated non-China EM. An alternative play is to go long energy producers vs. the rest of EM - given our fundamentally bullish oil view combined with rising geopolitical risks regarding sanctions against Iran.9 We eventually expect EM risks to spur an appreciation in the USD that the Fed has to lean against by either pausing its tightening cycle, or eventually reversing it as it did in the 1997-1998 scenario. This decision will usher in the final blow-off stage in U.S. equities that investors will not want to miss. What About Turkey? Chart 13Turkey: Volatile Politics, Volatile Stocks In 2013, we called Turkey a "canary in the EM coal mine" arguing that its historically volatile financial markets would mean-revert as domestic politics became turbulent (Chart 13).10 Turkey is a deeply divided society equally split between the secularist cities, which are primarily located on the Mediterranean (Istanbul, Izmir, Bursa, Adana, etc.), and the religiously conservative Anatolian interior. This split dates back to the founding of the modern Turkish Republic in the post-World War I era (and in truth, even before that). The ruling Justice and Development Party (AKP), a religiously conservative but initially pro-free-market party, managed to appeal to the conservative Anatolia while neutering the most powerful secularist institution in Turkey, its military. Investors hailed AKP's dominance because it reduced political volatility and initially promised both pro-market policies and even accession to the EU. However, the AKP has struggled to win more than 50% of the popular vote in a slew of elections and referendums since coming to power (Chart 14), a fact that belies its supposed iron-grip hold on Turkish politics since it came to power in 2002. The vulnerability behind AKP's hold on office has largely motivated President Recep Tayyip Erdogan's attempt to consolidate political power. While we disagree with the consensus view that Erdogan's constitutional changes have turned Turkey into a dictatorship, some of his actions do suggest a deep fear of losing power.11 Populist leadership is characterized by a strategy of "giving people what they want" so that the policymakers in charge remain in office. Erdogan's perpetually slim hold on power has motivated several populist policy decisions that have stretched Turkey's macro fundamentals. First, Turkey's central bank has essentially been conducting quantitative easing since 2013 via net liquidity injections into the banking system (Chart 15). Notably, these injections began at the same time as the May 2013 Gezi Park protests, which saw a huge outpouring of anti-government sentiment across Turkey's large cities. Essentially, politics has been motivating Ankara's monetary policy over the past five years. Chart 14AKP's Stranglehold On Power Is Overstated Chart 15Turkey's Populist Policies Began##BR##With Gezi Park Protests Second, Turkey's current account balance has suffered under the weight of rising energy costs, with no attempt to improve the fiscal balance (Chart 16). The government has done little in terms of structural reforms or fiscal austerity, instead President Erdogan has continued to challenge central bank independence on interest rates, despite a clear sign that the country is experiencing a genuine inflationary breakout (Chart 17). Chart 16Populism Means No Austerity Is In Sight Chart 17Genuine Inflation Breakout Overall, Turkey is a classic example of how populism in a highly divided and polarized country can get out of control. Foreign investors have long assumed that Erdogan's populism was benign, if not even positive, given the presumably ample political capital at the president's disposal. However, with every election or referendum, the government did not double-down on pro-market structural reforms. Instead, the pressure on the central bank only increased while Turkey's expensive and extravagant geopolitical adventures in neighboring Syria accelerated. In this pernicious macro context, it has not taken much to knock Turkey's assets off balance. President Trump's threats to expand sanctions to Turkish trade are largely irrelevant, given that the vast majority of Turkey's exports and FDI sources are non-American (Chart 18). However, given past behavior - such as after the shadowy Gülen "plot" to take over power or the 2016 coup d'état - markets are by now conditioned to expect that Turkish policymakers will double-down on populist policies in the face of renewed pressure. Chart 18Turkey-U.S. Relationship Is Not Economic What of Turkey's membership in NATO? Should investors fear broader geopolitical instability due to the domestic crisis? No. Ankara has used its membership in NATO, and particularly the U.S. reliance on its Incirlik air base in southern Turkey, as levers in previous negotiations and diplomatic spats with Europe and the U.S. If Ankara were to renege on its commitments to the Western military alliance, it would likely face a united front from Europe and the U.S. As such, we would expect Turkey neither to threaten exit from NATO, which it has not done in the past, nor even to threaten U.S. operations in Incirlik, which Erdogan's government has threatened before. The most likely outcome of the ongoing diplomatic spat, in fact, would be to see Ankara give in to U.S. demands, given the accelerating financial and economic crisis. Such an outcome, however, will not arrest the downturn. Turkey's economy and assets are fundamentally under pressure due to the realization by investors that this year's main macro theme is not the resynchronized global growth recovery, but rather the global policy divergence between the U.S. and China, which has appreciated the U.S. dollar. No amount of kowtowing by Ankara will change this macro trend. Bottom Line: The list of Turkish policy sins is long. Erdogan's reign has been characterized by deep polarization and populism, leading to suboptimal policy choices since at least 2013. The latest U.S.-Turkey spat is therefore merely one of many problems plaguing the country. As such, its resolution will not be a buying opportunity for investors. Investment Implications Our main investment theme in 2018 was that the global policy divergence between the U.S. and China - emblematized by fiscal stimulus in the U.S. and structural reforms in China - would end the global growth resynchronization. As the U.S. economy outperformed the rest of the world, the U.S. greenback would appreciate, imperiling EM economies. The best cognitive roadmap for today is the late 1990s, when the U.S. economy continued to grow apace as the rest of the world suffered from an EM crisis. The problems eventually washed onto American shores in the form of a stronger dollar, forcing the Fed to back off from tightening in mid-1998. Policy easing then led to the overshoot phase in U.S. equities in 1999. Investors should prepare for a similar roadmap by being long DXY relative to EM currencies, long DM equities (particularly U.S.) relative to EM equities, and tactically cautious on all global risk assets. Strategically, however, it makes sense to remain overweight equities as a Fed capitulation would be a boon for risk assets. If the current selloff in EM gets worse, we would expect that the Fed would again back off from tightening as it did in 1998, ushering in a blow-off stage in equities ahead of the next recession. Once the dollar peaks and EM assets bottom, U.S. equities will become the laggard, with global cyclicals outperforming. A secondary conclusion is that President Trump's trade rhetoric in general, and aggressive policies towards Turkey in particular, are merely a catalyst for the selloff. As such, if President Trump changes his mind, we would fade any rally in EM assets. The fundamental policy decisions that have led to the greenback rally have already been taken in 2017 and early 2018. The profligate tax cuts and the two-year stimulative appropriations bill, combined with Chinese policymakers' focus on controlling financial leverage, are the seeds of the current EM imbroglio. Finally, a small bit of housekeeping. We are booking gains on our long Malaysian ringgit / short Turkish lira trade for a gain of 51.2% since May. We are also closing our speculative long Russian equities relative to EM trade for a loss of -0.9% as a result of the persistent headwind from U.S. sanctions. Marko Papic, Senior Vice President Chief Geopolitical Strategist marko@bcaresearch.com 1 Please see BCA Geopolitical Strategy Special Report, "The Coming Bloodbath In Emerging Markets," dated August 12, 2015, available at gps.bcaresearch.com. 2 Please see BCA Emerging Markets Strategy Weekly Report, "Understanding The EM/China Cycles," dated July 19, 2018, available at ems.bcaresearch.com. 3 Please see BCA Emerging Markets Special Report, "Brazil: Faceoff Time," dated July 27, 2018, available at ems.bcaresearch.com. 4 Please see BCA Geopolitical Strategy Special Report, "China: How Stimulating Is The Stimulus?" dated August 8, 2018, available at gps.bcaresearch.com. 5 Please see BCA Geopolitical Strategy Strategic Outlook, "Three Questions For 2018," dated December 13, 2017, and Weekly Report, "Upside Risks In U.S., Downside Risks In China," dated January 17, 2018, available at gps.bcaresearch.com. 6 Please see BCA Geopolitical Strategy Weekly Report, "Will Trump Fail The Midterm?" dated April 18, 2018, available at gps.bcaresearch.com. 7 Please see BCA Emerging Markets Strategy Weekly Report, "EM: Sustained Decoupling, Or Domino Effect?" dated June 14, 2018, available at ems.bcaresearch.com. 8 Please see BCA Emerging Markets Strategy Special Report, "A Primer On EM External Debt," dated June 7, 2018, available at ems.bcaresearch.com. 9 Please see BCA Geopolitical Strategy and Commodity & Energy Strategy Special Report, "U.S., OPEC Talk Oil Prices Down; Gulf Tensions Could Become Kinetic," dated July 19, 2018, available at gps.bcaresearch.com. 10 Please see BCA Geopolitical Strategy Monthly Report, "Turkey: Canary In The EM Coal Mine?" in "The Coming Political Recapitalization Rally," dated June 13, 2013, available at gps.bcaresearch.com. 11 Please see BCA Geopolitical Strategy and Emerging Markets Strategy Weekly Report, "Turkey: Deceitful Stability," in "EM: The Beginning Of The End," dated April 19, 2017, available at ems.bcaresearch.com.
Special Report Highlights Valuation measures and technical indicators are widely followed market gauges, but neither set of metrics dependably warns of impending bear markets. Recessions might, however, as they almost always overlap with bear markets. A simple indicator using just three inputs - the yield curve, the index of leading economic indicators ("LEI") and the state of monetary policy - has correctly called all seven recessions of the last fifty years. Our recession indicator is timely as well as accurate. It turns red an average of six months ahead of a recession, aligning closely with the S&P 500's average cyclical peak. Our indicator is currently giving the all-clear signal, and we do not expect it will sound the alarm for at least another year. We do not foresee downgrading equities to underweight before then unless trade tensions take a turn for the worse, the S&P 500 rises parabolically, or the Fed moves its hiking timetable forward. Feature Investors who get the biggest macro questions right will generally find themselves on the right side of their performance benchmarks. The biggest question right now is how much longer the equity bull market will last. Trying to call a market top is folly, but "close enough" counts for recognizing the beginning of bear markets, and we are confident that our recession indicator gets close enough to provide a practical asset-allocation guide. While our indicator has moved closer to sounding the alarm over the last year, it is not yet signaling any immediate trouble.1 Can We Call Bear Markets? Neither we nor any other investor can consistently call market tops or bottoms with any degree of accuracy. The core problem is that doing so requires pinpointing the moment when a firmly established trend reverses for good - after all, a bear market begins the day a bull market concludes, and vice versa. As our colleague Martin Barnes has pointed out, there are no foolproof guides to identifying these inflection points in real time.2 The most popular rules of thumb - valuation measures, technical indicators and the calendar - are of no help at all in forecasting equity bear markets. Equities are surely more vulnerable when they trade at high multiples than when they trade at low multiples, but conventional valuation measures have been all over the map ahead of the eight bear markets that have occurred over the last 50 years (Box 1). The late-'80-to-early-'82 and 1990 bear markets occurred despite P/E, Shiller P/E and P/B multiples that were all comfortably below their long-run medians (Chart 1, second, third and fourth panels). The dot-com-bubble bear market occurred when every valuation metric was at an all-time high, to be sure, but our composite valuation indicator had spent three solid years in extremely overvalued territory (Chart 1, bottom panel) before the bear finally arrived. BOX 1 50 Years Of U.S. Equity Bear Markets For the purposes of this Special Report, we adhere to the classic definition of a bear market - a peak-to-trough closing price decline of at least 20% - and we confine our analysis to the last 50 years. The result is eight bear markets, as shown in Table 1 (we round the 1990 bear up to 20% from 19.9% but leave out the 1998 and 2011 corrections of 19.3% and 19.4%, respectively). Chart 3 shows the S&P 500, in log scale, with NBER-defined recessions shaded in gray and bear markets shaded in light red. The shaded chart brings two key observations to the fore: recessions and bear markets nearly always travel together (gray and light red only failed to overlap in the opening leg of the double-dip Volcker recessions and 1987's Black Monday), and bull markets (the white space in the chart) are more or less the S&P 500's default condition. The bear markets can be nasty, however, and a process that could help a manager sidestep even a portion of their declines could lead to significant outperformance over time. Technical indicators don't provide consistently reliable advance signals, either. Nearly all of the most overheated technical environments of the last 50 years (Chart 2, bottom panel) worked themselves off without tipping into full-fledged bear-market declines. Our composite technical indicator looks much more like a coincident indicator than a leading one. The calendar is of no help at all; since 1968, bull markets have lasted anywhere from two to nine years, and the current one, within two weeks and a percentage point of becoming the longest of the postwar era, may make it to ten. Chart 1Valuation Is A Poor Guide To Bear Markets ... Chart 2... And Technicals Aren't Much Better Table 1U.S. Equity Bear Markets, 1968 -2018 Chart 350 Years Of Recessions And Bear Markets Can We Call Recessions? Given the mingling of gray and red in Chart 3, a reliable recession indicator would be nearly as good as an equity bear market indicator. As noted above, only one recession (January to July 1980) passed without an accompanying bear market. Only the fall 1987 bear market occurred outside of a recession, though the two 19% corrections over our sample period also occurred ex-recessions. We submit that these three declines, accompanied by Black Monday's 20% one-day crash, the Russian crisis and the implosion of Long-Term Capital Management, and the U.S. debt-ceiling showdown and the euro crisis, were sparked by exogenous events that nearly defied prediction. Economists have a deservedly poor reputation for foretelling recessions. As the late economist John Kenneth Galbraith put it, "The only function of economic forecasting is to make astrology look respectable." Perhaps the Ph.Ds have overcomplicated matters by trying to pack too many variables into convoluted models. We have found that just three simple measures, in combination, have called all of the recessions in our 50-year sample without a single false positive. Our Recession Indicators Our first recession indicator is the orientation of the yield curve, defined as the sign of the difference between the 10-year Treasury bond yield and the 3-month T-bill rate.3 When the 3-month's rate exceeds the 10-year's yield, the curve is inverted and a recession typically follows. In our 50-year sample period, the yield curve has successfully called all seven recessions with just one false positive (Chart 4). As a standalone indicator, however, it tends to be overly eager, prematurely signaling the onset of a recession by an average of nearly twelve months (Table 2). Chart 4The Yield Curve Has Called 8 Of The Last 7 Recessions... Table 2Inverted Yield Curves, 1968 - 2018 Our second recession indicator is the sign of the year-over-year change in the index of the leading economic indicators ("LEI"). When the LEI contracts on a year-over-year basis, a recession typically ensues. As with the inverted yield curve, year-over-year contractions in the LEI have successfully called all of the recessions in our sample with just one false positive (Chart 5). The LEI signal tends to flip to red in a more timely fashion than the perpetually early yield curve, leading recessions by an average of six-plus months (Table 3). Chart 5...And So Have Leading Economic Indicators Table 3LEI Contractions, 1968 - 2018 The false positives go away once we combine the yield curve and the LEI into a single signal. To confirm that signal and make it more robust, we also consider the monetary policy backdrop. Over the nearly 60 years for which BCA's model calculates an estimate of the equilibrium fed funds rate, every recession has occurred when the fed funds rate has exceeded our estimate of equilibrium (Chart 6). In other words, recessions only occur when monetary policy settings are restrictive. In this case, the old market wisdom really is wise: expansions don't die of old age, they die because the Fed murders them. Chart 6Tight Policy Is A Necessary, But Not Sufficient, Recession Ingredient From Recession Indicator To Portfolio Strategy Tool Relative asset-class performance in previous bear markets, as detailed in the initial version of this study, published last summer by our Global ETF Strategy service,4 clearly argues for portfolio de-risking ahead of a recession. Investors would have benefited handsomely from overweighting bonds and cash at the expense of equities, overweighting countercyclical stocks and underweighting cyclicals, and overweighting Treasuries while underweighting high-yield corporates. Timing those defensive shifts is hardly clear-cut, however. The lead times between yield curve inversion, LEI contraction, the onset of restrictive monetary policy and the beginning of a recession vary from cycle to cycle. Fortunately for investors, waiting until all of the indicator components are in agreement dampens much of the variability in lead times. As Table 4 shows, the LEI signal is much less hasty than either the yield curve or the policy signals. It typically is the last component to flip, guiding the composite indicator to issue its recession signal just one week ahead of the S&P 500's average pre-recession peak. Sample averages mask in-sample variability, and the composite indicator does not march in lockstep with the S&P 500, but it is timely enough to have managed to catch about three-fourths of every bear market that coincided with a recession (Table 5). Table 4Lead Times For Indicator Components And Bear Markets Table 5Share Of Bear Markets Captured By Recession Indicator Why Bother? Some of our colleagues, duly noting forecasting's inherent difficulties, argue that there's little to be gained from attempting to narrow down the potential range of bear-market start dates. Fearful of the consequences of flying too close to the sun, they suggest that investors de-risk when enough common-sense-defying signs of a peak accumulate, and not worry about leaving some performance on the table. Such an approach has the benefits of being flexible and intuitive, but is difficult to apply consistently. Even proponents of former Supreme Court Justice Potter Stewart's legendary I-know-it-when-I-see-it obscenity standard have to concede that its parameters are arbitrary. It is also a concern that licking one's finger and holding it aloft is likely to put one squarely in the midst of the herd. The practicality of Justice Stewart's standard hinges on broad agreement: only if the distribution of opinions within the consensus is very narrow will a good deal of the community be satisfied with decisions based on it. Comity is the enemy of alpha, however, and an investor whose common sense is too common will wind up exiting the market too early and getting back into it too late, underperforming on both sides of the inflection point. The empirical record suggests that there's much to be lost from leaving too early. Bull markets tend to end with a bang, not a whimper (Chart 7 and Table 6). It is unlikely that investors who are willing to forego some returns in the name of security on the way up have the temperament to get back in at the beginning stages of the next rally. Factor in our view that public-market returns will be thin gruel over the next five to ten years compared to what investors have enjoyed since 1982, and one can make a case for trying to capture as much of the current bull market's gains as possible. Chart 7Sprinting To The Finish Line Table 6Finishing In Style Investment Implications Our composite recession indicator has done an excellent job of flagging recessions in advance. As recessions and equity bear markets are such steadfast companions, the composite recession indicator holds considerable promise as a tool to help investors capture a greater share of bull-market gains while helping them skirt some bear-market losses. Given a flattening but still positively-sloped yield curve, booming year-on-year growth in the LEI, and a policy rate that looks to be at least a year from becoming restrictive, we see no recession on the horizon. Unless trade negotiations fall apart, the S&P 500 melts up, or the Fed's rate-hiking guidance gets much more aggressive, we do not expect that investors will have cause to put their recession/bear market game plan into place for at least another year. Doug Peta, Senior Vice President U.S. Investment Strategy dougp@bcaresearch.com 1 This Special Report is adapted from the August 16, 2017 Global ETF Strategy Special Report, "A Guide To Spotting And Weathering Bear Markets," available at etf.bcaresearch.com. 2 Please see BCA Research Special Reports, "Timing The Next Equity Bear Market," and "Timing Equity Bear Markets," published January 24, 2014 and April 6, 2011, respectively, available at www.bcaresearch.com. 3 We use the 3-month/10-year segment instead of the more common 2-year/10-year because the 3-month bill is a cleaner proxy for short rates than the 2-year note, which incorporates estimates of the Fed's future actions. 2s/10s also fail to measure up empirically, inverting even earlier than the habitually premature 3-month/10-year. 4 August 16, 2017 Global ETF Strategy Special Report, "A Guide To Spotting And Weathering Bear Markets."
Special Report Dear Client, This week we are sending you a Special Report written by Mark McClellan, Chief Strategist, The Bank Credit Analyst, Marko Papic, Chief Strategist, Geopolitical Strategy and our very own Chris Bowes, Associate Editor, U.S. Equity Strategy. This report deals with the implications of the U.S./Sino trade war for U.S. equity sectors. It identifies the next products to be targeted with higher tariffs on both sides of the dispute. A higher U.S. tariff wall will shield some industries from competition, but rising input costs will be widely felt because of extensive supply chains between and within industries. There is only a small handful of industries that will be winners in absolute terms. I trust you will find his report insightful. Kind regards, Anastasios Avgeriou, Vice President U.S. Equity Strategy In this Special Report, we shed light on the implications of the U.S./Sino trade war for U.S. equity sectors. The threat that trade action poses to the U.S. equity market is greater than in past confrontations. Perhaps most importantly, supply chains are much more extensive, globally and between China and the U.S. Automobile Components, Electrical Equipment, Materials, Capital Goods and Consumer Durables have the most extensive supply chain networks. The USTR claims that it is being strategic in the Chinese goods it is targeting, focusing on companies that will benefit from the "Made In China 2025" initiative. The list of Chinese goods targeted in both the first and second rounds covers virtually all of the broad import categories. The only major items left for the U.S. to hit are apparel, footwear, toys and cellphones. Beijing is clearly targeting U.S. products based on politics in order to exert as much pressure on the President's party as possible. Based on a list of products that comprise the top-10 most exported goods of Red and Swing States, China will likely lift tariffs in the next rounds on civilian aircraft, computer electronics, healthcare equipment, car engines, chemicals, wood pulp, telecommunication and integrated circuits. Supply chains within and between industries and firms mean that the impact of tariffs is much broader than the direct impact on exporters and importers. We measure the relative exposure of 24 GICs equity sectors to the trade war based on their proportion of foreign-sourced revenues and the proportion of each industry's total inputs that are affected by U.S. tariffs. The Semiconductors & Semiconductor Equipment sector stands out, but the Technology & Hardware Equipment, Capital Goods, Materials, Consumer Durables & Apparel and Motor Vehicle sectors are also highly exposed to anti-trade policy action. Energy, Software, Banks and all other service sectors are much less exposed. China may also attempt to disrupt supply chains via non-tariff barriers, placing even more pressure on U.S. firms that have invested heavily in China. Wholesale Trade, Chemicals, Transportation Equipment, Computers & Electronic Parts and Finance & Insurance are most exposed. U.S. technology companies are particularly vulnerable to an escalating trade war. Virtually all U.S. manufacturing industries will be negatively affected by an ongoing trade war, even defensive sectors such as Consumer Staples. The one exception is defense manufacturers, where we recommend overweight positions. Our analysis highlights that the best shelter from a trade war can be found in services, particularly services that are insulated from trade. Financial Services appears a logical choice, and the S&P Financial Exchanges & Data subsector is one of our favorites. The trade skirmish is transitioning to a full-on trade war. The U.S. has imposed a 25% tariff on $50 billion worth of Chinese goods, and has proposed a 10% levy on an additional $200 billion of imports by August 31. China retaliated with tariffs on $50 billion of imports from the U.S., but Trump has threatened tariffs on another $300 billion if China refuses to back down. That would add up to over $500 billion in Chinese goods and services that could be subject to tariffs, only slightly less than the total amount that China exported to the U.S. last year. BCA's Geopolitical Strategy has emphasized that President Trump is unconstrained on trade policy, giving him leeway to be tougher than the market expects.1 This is especially the case with respect to China. There will be strong pushback from Congress and the U.S. business lobby if the Administration tries to cancel NAFTA. In contrast, Congress is also demanding that the Administration be tough on China because it plays well with voters. Trump is a prisoner of his own tough pre-election campaign rhetoric against China. The U.S. primary economic goal is not to equalize tariffs but to open market access.2 The strategic goal is much larger. The U.S. wants to see China's rate of technological development slow down. Washington will expect robust guarantees to protect intellectual property and proprietary technology before it dials down the pressure on Beijing. The threat that the trade war poses to the U.S. equity market is greater than in past confrontations, such as that between Japan and the U.S. in the late 1980s. First, stocks are more expensive today. Second, interest rates are much lower, limiting how much central banks can react to adverse shocks. Third, and perhaps most importantly, supply chains are much more extensive, globally and between China and the U.S. Nearly every major S&P 500 multinational corporation is in some way exposed to these supply chains. Chart II-1 shows that Automobile Components, Electrical Equipment, Materials, Capital Goods and Consumer Durables have the most extensive supply chain networks. The Global Value Chain Participation rate, constructed by the OECD, is a measure of cross-border value-added linkages.3 In this Special Report, we shed light on the implications of the trade war for U.S. equity sectors. Complex industrial interactions make it difficult to be precise in identifying the winners and losers of a trade war. Nonetheless, we can identify the industries most and least exposed to a further rise in tariff walls or non-tariff barriers to trade. We focus on the U.S./Sino trade dispute in this Special Report, leaving the implications of a potential trade war with Europe and the possible failure of NAFTA negotiations for future research. Chart II-1Measuring Global Supply Chains Trade Channels There are at least five channels through which rising tariffs can affect U.S. industry: The Direct Effect: This can be positive or negative. The impact is positive for those industries that do not export much but are provided relief from stiff import competition via higher import tariffs. The impact is negative for those firms facing higher tariffs on their exports, as well as for those firms facing higher costs for imported inputs to their production process. These firms would be forced to absorb some of the tariff via lower profit margins. Some industries will fall into both positive and negative camps. U.S. washing machines are a good example. Whirlpool's stock price jumped after President Trump announced an import tariff on washing machines, but it subsequently fell back when the Administration imposed an import tariff on steel and aluminum (that are used in the production of washing machines); Indirect Effect: The higher costs for imported goods are passed along the supply chain within an industry and to other industries that are not directly affected by rising tariffs. This will undermine profit margins in these indirectly-affected industries to the extent that they cannot fully pass along the higher input costs; Foreign Direct Investment: Some Chinese exports emanate from U.S. multinationals' subsidiaries in China, or by Chinese or foreign OEM suppliers for U.S. firms. Even though it would undermine China's economy to some extent, the Chinese authorities could make life more difficult for these firms in retaliation for U.S. tariffs on Chinese goods. Macro Effect: A trade war would take a toll on global trade and reduce GDP growth globally. Besides the negative effect of uncertainty on business confidence and, thus, capital spending, rising prices for both consumer and capital goods will reduce the volume of spending in both cases. Moreover, corporate profits have a high beta with respect to economic activity. We would not rule out a U.S. recession in a worst-case scenario. Obviously, a recession or economic slowdown would inflict the most pain on the cyclical parts of the S&P 500 relative to the non-cyclicals, in typical fashion. Currency Effect: To the extent that a trade war pushes up the dollar relative to the other currencies, it would undermine export-oriented industries and benefit those that import. However, while we are bullish the dollar due to diverging monetary policy, the dollar may not benefit much from trade friction given retaliatory tariff increases by other countries. Some of the direct and indirect impact can be mitigated to the extent that importers facing higher prices for Chinese goods shift to similarly-priced foreign producers outside of China. Nonetheless, this adjustment will not be costless as there may be insufficient supply capacity outside of China, leading to upward pressure on prices globally. Targeted Sectors: (I) U.S. Tariffs On Chinese Goods As noted above, the U.S. has already imposed tariffs on $50 billion of Chinese imports and has published a list of another $200 billion of goods that are being considered for a 10% tariff in the second round of the trade war. The first round focused on intermediate and capital goods, while the second round includes consumer final demand categories such as furniture, air conditioners and refrigerators. The latter will show up as higher prices at retailers such as Wal Mart, having a direct and visible impact on U.S. households. Appendix Table II-A1 lists the goods that are on the first and second round lists, grouped according to the U.S. equity sectors in the S&P 500. The U.S. Trade Representative (USTR) claims that the Chinese items are being targeted strategically. It is focusing on companies that will benefit from China's structural policies, such as the "Made In China 2025" initiative that is designed to make the country a world leader in high-tech areas (see below). Table II-1 reveals the relative size of the broad categories of U.S. imports from China, based on trade categories. The top of the table is dominated by Motor Vehicles, Machinery, Telecommunication Equipment, Computers, Apparel & Footwear and other manufactured goods. The list of Chinese goods targeted in both the first and second rounds covers virtually all of the broad categories in Table II-1. The only major items left for the U.S. to hit are Apparel and Footwear, as well as two subcategories; Toys and Cellphones. These are all consumer demand categories. Table II-1U.S. Imports From China (January-May 2018) (II) Chinese Tariffs On U.S. Goods Total U.S. exports to China were less than $53 billion in the first five months of 2018, limiting the amount of direct retaliation that China can undertake (Table II-2). The list of individual U.S. products that China has targeted so far is long, but we have condensed it into the broad categories shown in Table II-3. The U.S. equity sectors that the new tariffs affect so far include Food, Beverage & Tobacco, Automobiles & Components, Materials and Energy. China has concentrated mainly on final goods in a politically strategic manner, such as Trump-supported rural areas and Harley Davidson bikes whose operations are based in Paul Ryan's home district in Wisconsin. Table II-2U.S. Exports To China (January-May 2018) Table II-3China Tariffs On U.S. Goods What will China target next? Chart II-2 shows exports to China as percent of total state exports, and Chart II-3 presents the value of products already tariffed by China as a percent of state exports. Other than Washington, the four states most targeted by Beijing are conservative: Alaska, Alabama, Louisiana and South Carolina. Chart II-2U.S. Exports To China By State Chart II-3Value Of U.S. Products Tariffed By China (By State) Beijing is clearly targeting products based on politics in order to exert as much pressure on the President's party as possible. To identify the next items to be targeted, we constructed a list of products that comprise the top-10 most exported goods of Red States (solidly conservative) and Swing States (competitive states that can go either to Republican or Democratic politicians). Appendix Tables II-A2 and II-A3 show this list of products, with those that have already been flagged by China for tariffs crossed out. Table II-4 shows the top-10 list of products that are not yet tariffed by China, but are distributed in a large proportion of Red and Swing states. What strikes us immediately is how important aircraft exports are to a large number of Swing and Red States. In total, 27 U.S. states export civilian aircraft, engines and parts to China. This is an obvious target of Beijing's retaliation. In addition, we believe that computer electronics, healthcare equipment, car engines, chemicals, wood pulp, telecommunication and integrated circuits are next. Table II-4Number Of U.S. States Exporting To China By Category Market Reaction Chart II-4 highlights how U.S. equity sectors performed during seven separate days when the S&P 500 suffered notable losses due to heightened fears of protectionism. Cyclical sectors such as Industrials and Materials fared worse during days of rising protectionist angst. Financials also generally underperformed, largely because such days saw a flattening of the yield curve. Tech, Health Care, Energy and Telecom performed broadly in line with the S&P 500. Consumer Staples outperformed the market, but still declined in absolute terms. Utilities and Real Estate were the only two sectors that saw absolute price gains. The market reaction seems sensible based on the industries caught in the cross-hairs of the trade action so far. At least some of the potential damage is already discounted in equity prices. Nonetheless, it is useful to take a closer look at the underlying factors that should determine the ultimate winners and losers from additional salvos in the trade war. Chart II-4S&P 500: Impact Of Trade-Related Events Determining The Winners And Losers The U.S. sectors that garner the largest proportion of total revenues from outside the U.S. are obviously the most exposed to a trade war. For the 24 level 2 GICS sectors in the S&P 500, Table II-5 presents the proportion of total revenues that is generated from operations outside the U.S. for the top five companies in the sector by market cap. Company reporting makes it difficult in some cases to identify the exact revenue amount coming from outside the U.S., as some companies regard "domestic" earnings as anything generated in North America. Nonetheless, we believe the data in Table II-5 provide a reasonably accurate picture. Table II-5Foreign Revenue Exposure (2017) Semiconductors, Tech Equipment, Materials, Food & Beverage, Software and Capital Goods are at the top of the list in terms of foreign-sourced revenues. Not surprisingly, service industries like Real Estate, Banking, Utilities and Telecommunications Services are at the bottom of the exposure list. U.S. companies are also exposed to U.S. tariffs that lift the price of imported inputs to the production process. This can occur directly when firm A imports a good from abroad, and indirectly, when firm A sells its intermediate good to firm B at a higher price, and then on to firm C. In order to capture the entire process, we used the information contained in the Bureau of Economic Analysis' Input/Output tables. We estimated the proportion of each industry's total inputs that are affected by already-implemented U.S. tariffs and those that are on the list for the next round of tariffs. These estimates, shown in Appendix Table II-A4 at a detailed industrial level, include both the direct and indirect effects of higher import costs. At the top of the list is Motor Vehicles and Parts, where Trump tariffs could affect more than 70% of the cost of all material inputs to the production process. Electrical Equipment, Machinery and other materials industries are also high on the list, together with Furniture, Computers & Electronic Parts and Construction. Unsurprisingly, service industries and Utilities are in the bottom half of the table.4 We then allocated all the industries in Appendix Table II-A4 to the 24 GICs level 2 sectors in the S&P 500, in order to obtain an import exposure ranking in S&P sector space (Table II-6). Table II-6U.S. Import Tariff Exposure Chart II-5 presents a scatter diagram that compares import tariff exposure (horizontal axis) with foreign revenue exposure (vertical axis). The industries clustered in the top-right of the diagram are the most exposed to a trade war. Chart II-5U.S. Industrial Exposure To A Trade War With China The Semiconductors & Semiconductor Equipment sector stands out by this metric, but the Technology & Hardware Equipment, Capital Goods, Materials, Consumer Durables & Apparel and Motor Vehicle sectors are also highly exposed to anti-trade policy action. Energy, Software, Banks and all other service sectors are much less exposed. Food, Beverage & Tobacco lies between the two extremes. Joint Ventures And FDI Table II-7Stock Of U.S. Direct ##br##Investment In China (2017) As mentioned above, most U.S. production taking place in China involves a joint venture. The Chinese authorities could attempt to disrupt the supply chain of a U.S. company by hindering production at companies that have ties to U.S. firms. Data on U.S. foreign direct investment (FDI) in China will be indicative of the industries that are most exposed to this form of retaliation. The stock of U.S. FDI in China totaled more than $107 billion last year (Table II-7). At the top of the table are Wholesale Trade, Chemicals, Transportation Equipment, Computers & Electronic Parts and Finance & Insurance. Apple is a good example of a U.S. company that is exposed to non-tariff retaliation, as the iPhone is assembled in China by Foxconn for shipment globally with mostly foreign sourced parts. Our Technology sector strategists argue that U.S. technology companies are particularly vulnerable to an escalating trade war (See Box II-1).5 BOX II-1 The Tech Sector The U.S. has applied tariffs on the raw materials of technology products rather than finished goods so far. At a minimum, this will penalize smaller U.S. tech firms which manufacture in the U.S. and provide an incentive to move production elsewhere. Worst case, the U.S. tariffs might lead to component shortages which could have a disproportionately negative impact, especially on smaller firms. Although it has not been proposed, U.S. tariffs on finished goods would be devastating to large tech companies such as Apple, which outsources its manufacturing to China. China appears determined to have a vibrant high technology sector. The "Made In China 2025" program, for example, combines ambitious goals in supercomputers, robotics, medical devices and smart cars, while setting domestic localization targets that would favor Chinese companies over foreigners. The ZTE sanctions and the potential for enhanced export controls have had a traumatic impact on China's understanding of its relatively weak position with respect to technology. As a result, because most high-tech products are available from non-U.S. sources, Chinese engineers will likely be encouraged to design with non-U.S. components; for example, selecting a Samsung instead of a Qualcomm processor for a smartphone. Similarly, China is a major buyer of semiconductor capital equipment as it follows through with plans to scale up its semiconductor industry. Most such equipment is also available from non-U.S. vendors, and it would be understandable if these suppliers are selected given the risk which would now be associated with selecting a U.S. supplier. The U.S. is targeting Chinese made resistors, capacitors, crystals, batteries, Light Emitting Diodes (LEDs) and semiconductors with a 25% tariff. For the most part these are simple, low cost devices, which are used by the billions in high-tech devices. Nonetheless, China could limit the export of these products to deliver maximum pain, leading to a potential shortage of qualified parts. A component shortage can have a devastating impact on production since the manufacturer may not have the ability to substitute a new part or qualify a new vendor. Since the product typically won't work unless all the right parts are installed, want of a dollar's worth of capacitors may delay shipping a $1,000 product. Thus, the economic and profit impact of a parts shortage in the U.S. could be quite severe. Conclusions: When it comes to absolute winners in case of a trade war, we believe there are three conditions that need to be met: Relatively high domestic input costs. Relatively high domestic consumption/sales; the true beneficiaries of a tariff are those industries who are allowed to either raise prices or displace foreign competitors, with the consumer typically bearing the cost. Relatively low direct exposure to global trade - international trade flows will certainly slow in a trade war. There are very few manufacturing industries that meet all of these criteria. Within manufacturing, one would typically expect the Consumer Staples and Discretionary sectors to be the best performers. However, roughly a third of the weight of Staples is in three stocks (PG, KO and PEP) that are massively dependent on foreign sales. Moreover, a similar weight of Discretionary is in two retailers (AMZN and HD) that are dependent on imports. As such, consumer indexes do not appear a safe harbor in a trade war. Nevertheless, if the trade war morphs into a recession then consumer staples (and other defensive safe-havens) will outperform, although they will still decrease in absolute terms. Transports are an industry that has relatively high domestic labor costs and an output that is consumed virtually entirely within domestic borders. However, their reliance on global trade flows - intermodal shipping is now more than half of all rail traffic - means they almost certainly lose from a prolonged trade dispute. There is one manufacturing industry that could be at least a relative winner and perhaps an absolute winner: defense. Defense manufacturers certainly satisfy the first two criteria above, though they do have reasonably heavy foreign exposure. However, we believe high switching costs and the lack of true global competitors mean that U.S. defense company foreign sales will be resilient. After all, a NATO nation does not simply switch out of F-35 jets for the Russian or Chinese equivalent. Further, if trade friction leads to rising military tension, defense stocks should outperform. Finally, the ongoing global arms race, space race and growing cybersecurity requirements all signal that these stocks are a secular growth story, as BCA has argued in the recent past.6 Still, as highlighted by the data presented above, the best shelter from a trade war can be found in services, particularly services that are insulated from trade. Financial Services appears a logical choice, especially the S&P Financial Exchanges & Data subsector (BLBG: S5FEXD - CME, SPGI, ICE, MCO, MSCI, CBOE, NDAQ). Another appealing - and defensive - sector is Health Care Services. With effectively no foreign exposure and a low beta, these stocks would outperform in the worst-case trade war-induced recession. Mark McClellan Senior Vice President The Bank Credit Analyst Marko Papic Senior Vice President Geopolitical Strategy Chris Bowes Associate Editor U.S. Equity Strategy 1 Please see BCA Geopolitical Strategy Special Report, "Constraints & Preferences Of The Trump Presidency," dated November 30, 2016, available at gps.bcaresearch.com. 2 Please see BCA Geopolitical Strategy Weekly Report, "Trump's Demands On China," dated April 4, 2018, available at gps.bcaresearch.com. 3 For more information, please see: "Global Value Chains (GVSs): United States." May 2013. OECD website. 4 Please see BCA U.S. Equity Strategy Special Report, "Brothers In Arms," dated October 31, 2016, available at uses.bcaresearch.com. 5 Please see BCA Technology Sector Strategy Special Report "Trade Wars And Technology," dated July 10, 2018, available at tech.bcaresearch.com 6 Please see BCA U.S. Equity Strategy Special Report, "Brothers In Arms," dated October 31, 2016, available at uses.bcaresearch.com. Appendix Table II-1 Allocating U.S. Import Tariffs To U.S. GICS Sectors Appendix Table II-2 Exports By U.S. Red States Appendix Table II-3 Exports By U.S. Swing States Appendix Table II-4 Exposure Of U.S. Industries To U.S. Import Tariffs
Highlights If the U.S. Treasury intervenes to push the greenback lower, it would only have a temporary impact. Ultimately, interventions work if they are matched with easy monetary policy. However, U.S. monetary policy will only be tightened going forward. Because inflation expectations have stabilized since the late-1980s, the dollar can influence the slope of the Phillips Curve. However, the combination of a tight labor market and untimely fiscal stimulus is likely to cause a sharp steepening of the Phillips Curve, with lower unemployment and higher inflation. Unlike in the late 1960s and early 1970s, but as in the mid-1980s, the Federal Reserve is unlikely to abide by these inflationary pressures. Thus, if the Phillips Curve steepens significantly, the Fed is likely to end up raising rates much more aggressively than what is currently priced in, in turn leading to a much stronger dollar. Feature In recent days we have heard speculation that U.S. President Donald Trump may be considering ordering the U.S. Treasury to sell dollars, in order to limit the greenback's strength. We have no preconception of whether this is indeed likely to happen or not, but the mere discussion of this risk forces us to ask questions regarding our view that the dollar can keep rallying in 2018. We think that this kind of policy, if implemented, could have a short-lived negative impact on the dollar, but that ultimately the path for the dollar will be conditional on the path taken by the Fed and global growth, not President Trump's whims. As such, we remain firmly focused on charting the most likely path for these two factors, and currently they continue to favor the USD. As a result, we recommend investors either buy into any corrective action in the dollar in the coming weeks, or, hedge them away. It is not the time to abandon our view that the dollar will end 2018 above current levels. Trump Vs The Trinity One of the bedrocks of international economics is called the Impossible Trinity. It is the simple idea that a country has to make a choice. A nation cannot target the level of its exchange rate and have an independent monetary policy while also having an open capital account. A country can pick two of these nodes at any point in time, but not all three simultaneously (Chart I-1). Chart I-1The Impossible Trinity Essentially, if Country A has an open capital account and decides to fix its exchange rate with Country B, it needs to follow a very similar monetary policy that the nation it is pegging its currency against follows. If risk-adjusted interest rates in Country A are lower than those in Country B, money will leave country A, creating downward pressures on its FX reserves, and ultimately forcing a downward adjustment in the exchange rate. The exact opposite will happen if Country A's risk-adjusted interest rates rise above those prevailing in Country B. As a result, if Country A wants to peg its currency to Country B and maintain monetary policy that is independent of that conducted in Country B, Country A has to close its capital account. Or, as was the case when the world was under the gold standard, if Country A wants to maintain an open capital account and still have a pegged currency, then it has to relinquish control over its monetary policy. Finally, countries can also follow the strategy currently in place across most advanced economies, and have both an open capital account and an independent monetary policy, but relinquish control over their exchange rate. Since the U.S. capital account is open, the idea that President Trump could target a lower USD by forcing the Treasury to sell greenbacks in the open market ultimately flies in the face of this impossible trinity, as long as the Fed maintains its independence.1 This last clause is crucial. For example, the Japanese Ministry of Finance conducted successful interventions between 1999 and 2000, when it managed to limit upside in the yen. However, the yen only really weakened once the Bank of Japan joined the game, as it was making sure that Japanese interest rates were falling relative to the U.S. (Chart I-2). The same occurred in 1985 around the Plaza Accord. From August 1984 to August 1986, the effective fed funds rate was declining, which buttressed the U.S. Treasury's verbal efforts of seeing a lower dollar (Chart I-3). Coordination with the rest of the G7 also helped. Chart I-2MoF Interventions Worked, Once Japanese##br## Rates Fell Vs. The U.S. Chart I-3The Plaza Accord Worked Because The##br## Fed Moved In The Same Direction This means that for interventions to have any durable impact on the U.S. dollar, the Fed needs to be easing monetary policy relative to the rest of the world as well. Otherwise, any decline in the dollar caused by interventions is likely to prove transitory as the higher interest rates offered by the U.S. will likely result in inflows into the dollar. Thus, the outlook for the Fed still holds primacy. On this front, the future does not look good for President Trump's desire to see a weaker dollar. Bottom Line: Because the U.S. has an independent monetary policy and an open capital account, the U.S. Treasury cannot unilaterally target a lower exchange rate. It needs the help of either foreign nations or a compliant Fed that eases policy. Right now, foreign nations have little incentive to follow the example of the 1985 Plaza Accord, and the U.S. economic backdrop points toward higher U.S. interest rates, not lower ones. Thus, any negative impact on the dollar from open market operations by the U.S. Treasury should have a limited lifespan. A Filip From The Phillips Curve? If the Treasury selling dollars can only drag the greenback lower on a durable basis only as long as the Fed eases policy as well, the Fed remains a much more important factor in determining the dollar's outlook. At the center of the Fed's reaction function lies a concept called the Phillips Curve, which normally shows a negative relationship between the unemployment rate and the inflation rate. Logically, we would anticipate that the more strongly inflation and the unemployment rate move in opposite directions, the stronger the link with the dollar should be. If inflation surges in response to small declines in unemployment rates, this forces the Fed to respond with greater assertiveness to capacity pressures. As a result, this should lift the dollar higher. If unemployment increases and inflation plunges, the Fed eases and the dollar weakens. However, the reality is very different. As Chart I-4 illustrates, the relationship between the slope of the Phillips Curve and the dollar evolves over time. When inflation expectations were unanchored to the upside, as was the case in the 1970s, the Phillips Curve became inverted - i.e. a rising unemployment rate was associated with rising inflation. Inflation was in the driver's seat. In this environment, the higher inflation and the unemployment rate got, the weaker the dollar became. The Fed was in a bind and remained behind the curve. Consequently, real rates kept falling and the dollar suffered. Chart I-4The Strange Dance Of The Phillips Curve And The Dollar After 1981 something interesting happened. The Phillips Curve moved back to its normal slope - i.e. negative. During that period, the dollar rallied. The slope of the Phillips Curve normalized because then-Fed Chair Paul Volcker drove up interest rates so high that inflation expectations collapsed, and ex-ante real rates rebounded as a result. This lifted the dollar. Since the second half of the 1980s, something even stranger has been happening. The dollar now moves upward when the Phillips Curve flattens or becomes inverted. The dollar also depreciates when the Phillips curve normalizes. In other words, the dollar today appreciates when the inflation rate and the unemployment rate move in unison, not in opposition. This is strange; very strange. However, this relationship can be understood if we flip the causation around. Essentially, the dollar may be driving the slope of the Phillips Curve. We have long argued that a strong dollar is not very negative for the U.S. economy, but it remains very negative for inflation.2 This can be seen in Chart I-5, which highlights that a strong dollar is associated with a falling unemployment rate, but also falling inflation. When the dollar is strengthening, it supports consumption as the price of imported goods decreases, increasing the purchasing power of households (Chart I-6). Since household consumption accounts for roughly 70% of GDP, what is good for households ends up being good for U.S. growth. However, a strong dollar dampens inflation by curtailing the price of imported goods, by weighing on the price of commodities, and by tightening EM financial conditions, which decreases EM demand and therefore further undermines global prices. This means that a strong dollar is associated with both a lower unemployment rate and lower inflationary pressures, thus a positively sloped Phillips Curve. These dynamics might explain why this cycle, the Fed has faced very limited inflationary pressures, despite facing an unemployment rate well below equilibrium: The dollar was very strong from 2014 to late 2016, and inflation fell as the unemployment rate also declined. Chart I-5A Strong Dollar Is Neutral For The##br## Unemployment Rate But Deflationary Chart I-6A Strong Dollar ##br##Helps Households How is this situation likely to evolve going forward? Will the dollar remain the likely driver of the Phillips Curve, or will the Phillips Curve drive the dollar? We opine that the Phillips Curve is likely to once again become the leading partner in this tango. This could help the dollar. Essentially, today's environment is unlike anything we have seen since the current relationship between the dollar and the Phillips Curve emerged in the second half of the 1980s. Not only is the economy at full employment, but also the U.S. government is engaging in massively expansionary fiscal policy. The obvious parallel is with the late 1960s. Back then, the unemployment rate was low, hitting 3.4% in 1969, yet in response to the Vietnam War and former President Lyndon Johnson's Great Society program, the U.S. budget deficit blew up. This generated the kind of excess demand that culminated in high inflation, and down the road, an unmooring of inflation expectations to the upside. This unmooring was crucial in causing the abnormal Phillips Curve slope discussed earlier, and the collapse in the dollar. This policy sowed the seeds of stagflation. However, forgotten in that parallel is the Fed's behavior at the time. As we highlighted two weeks ago, in the late 1960s and early 1970s, the Fed was much more focused on keeping the U.S. at full employment than it was focused on combatting inflation (Chart I-7). The Fed maintained too easy monetary policy, letting the U.S. economy become a pressure cooker.3 After 1977 and the Federal Reserve Reform act, inflation fighting became an official component of the Fed's mandate - one that took preeminence once Paul Volcker took the helm of the central bank. We are still in this regime. Chart I-7Trump's Fed Is Not Nixon's Fed As a result, while the current environment has echoes of the late 1960s, it also resonates with the first half of the 1980s, because the Fed is now more focused on inflation than it was in the 1960s. In the first half of the 1980s, Volcker was working on keeping inflation expectations at bay (Chart I-8). However, former President Ronald Reagan wanted to increase military spending and cut taxes. He got his wish. While the U.S. budget balance normally moves in line with the employment rate, as Chart I-9 illustrates, from 1984 to 1986 employment rose but the budget balance did not improve. This could have caused inflation expectations to increase because it represented a period of unwarranted fiscal expansion and excess demand. Yet inflation expectations did not move up. Instead, the Fed let real interest rates move higher, tightening monetary conditions. The dollar surged in response to a violent normalizing of the Phillips Curve. Chart I-8Inflation Expectations ##br##Are Crucial Chart I-9Investors Anticipating The Reagan / Volcker ##br##Battle Lifted The Dollar Today, the Fed will continue to fight the inflationary impact of Trump's policies. Moreover, we anticipate that the Phillips Curve is likely to become much more negatively sloped as the business cycle progresses. As Chart I-10 illustrates, not only is the unemployment rate very low, the broader U-6 measure is finally consistent with full employment. In fact, the gap between the two unemployment measures also indicates there is no more hidden labor market slack in the U.S. Additionally, while the employment-to-population ratio remains low in the context of the past 30 years, the employment-to-population ratio for prime age workers has normalized (Chart I-11). Moreover, as the bottom panel of Chart I-11 illustrates, the true culprit behind the dichotomy between the employment rate of prime-age workers and that of the rest of the population is the low employment rate of young workers. Essentially, younger Americans are getting more educated, which is keeping them out of the labor force for longer. As a result, the participation age for the population at large is likely to remain below levels that prevailed before the financial crisis. This also mean that since the participation rate for prime age workers has already normalized, additional employment gains are likely to result in additional wage gains and inflationary pressures. Chart I-10The Labor Market Points To##br## A Normalizing Phillips Curve Chart I-11Participation Is Low Because ##br##Millenials Stay In School Longer Another symptom highlighting that the labor market is very tight is the fact that the unemployment rate among individuals 25 years and older but without a high school diploma has collapsed to record lows (Chart I-12). Moreover, wage growth among this cohort has skyrocketed, normally a symptom of budding inflationary pressures (Chart I-12, bottom panel). As a result, the combination of evident pressures in the labor market and untimely fiscal stimulus is likely to realize the inflationary pressures suggested by the NFIB small business survey. When companies are much more worried about finding qualified employees than they are about finding demand for their products and services, core CPI hooks up. This time will not be different (Chart I-13). Chart I-12A Clear Sign Of Tightening Chart I-13Inflation Set To Pick Up All these dynamics raise the risk that after years of dormancy, the Phillips curve could suddenly become much steeper and more negative. The Fed is likely to use rising inflation and a steeper Phillips curve as a justification to suggest that r-star is rising. As a result, it will use this logic to push both nominal and real interest rate higher. This, in our view, will push the dollar higher. Why? As we have shown in the past, when the U.S. has the highest interest rates among the G-10, the dollar performs well (Chart I-14). However, as the top panel of Chart I-15 shows, U.S. rates are the determinant of this ranking - i.e. when the fed funds rate increases, so does the ranking of U.S. rates within the G-10. This also means the ranking of U.S. rates relative to other G-10 rates follows the U.S. business cycle. Moreover, as the bottom two panels of Chart I-15 illustrate, the current level of aggregate unemployment and of unemployment among the less-educated confirms that the U.S. should have the highest interest rates among G-10 nations. Trump's stimulus will only add fuel to the fire. Chart I-14Supported By The Highest Rates In The G10, ##br##The Dollar Can Rise Further Chart I-15The Ranking Of U.S. Rates Depends ##br##On The U.S. Business Cycle In fact, the combination of a tight labor market, high U.S. rates relative to the rest of the world and a quickly steepening normal (i.e. inverse relationship) Phillips Curve could result in a supercharged rally in the U.S. dollar. Such a rally, if it were to materialize, would likely cause very serious pain on EM economies and assets. As a result, we recommend investors closely watch the slope of the Phillips Curve in coming quarters, as it will hold the key to the dollar's path. Bottom Line: The slope of the Phillips Curve moves around significantly over time, but more interestingly, its relationship with the dollar does as well. Today's environment of a tight labor market accompanied by fiscal stimulus could result in a large steepening of the Phillips Curve. Since now the Fed is much more independent and much more focused on inflation than it was in the 1960s and early 1970s, such a shift in the Phillips Curve could supercharge the dollar's strength. Increasing this likelihood, the Fed is already at the top of the interest rate distribution among the G-10, which means the dollar remains under upward pressure. Mathieu Savary, Vice President Foreign Exchange Strategy mathieu@bcaresearch.com 1 And we believe that the Fed will continue to conduct its monetary policy independently from the desires of the White House. Please see Foreign Exchange Strategy Weekly Report, "Rhetoric Is Not Always Policy", dated July 27, 2018, available at fes.bcaresearch.com 2 Please see Foreign Exchange Strategy Weekly Report, "Dollar: The Great Redistributor", dated October 7, 2016, available at fes.bcaresearch.com 3 Please see Foreign Exchange Strategy Weekly Report, "Rhetoric Is Not Always Policy", dated July 27, 2018, available at fes.bcaresearch.com Currencies U.S. Dollar Chart II-1USD Technicals 1 Chart II-2USD Technicals 2 Recent data in the U.S. has been negative: Both average hourly earnings yearly growth and the unemployment rate came in line with expectations, at 2.7% and 3.9% respectively. However, non-farm payrolls underperformed expectations, coming in at 157 thousand. Nonetheless, the high upward revisions to the June and May numbers mitigated the blow. Moreover, the participation rate also surprised negatively, coming in at 62.9%. Finally, both Markit Services and Markit Composite PMI underperformed expectations, coming in at 56 and 55.7 respectively. DXY has been flat this week. While we recognize that the dollar could have some tactical downside, it is unlikely to be very playable. Thus, investors should stay long the green back, as the combination of tightening in both China and the U.S. will create an environment of slowing global growth where the dollar benefits. However, because a countertrend correction can always be more painful than anticipated, we have bought some hedges against our long dollar call, sell USD/CAD as a form of protection. Report Links: The Dollar And Risk Assets Are Beholden To China's Stimulus - August 3, 2018 Rhetoric Is Not Always Policy - July 27, 2018 Time To Pause And Breathe - July 6, 2018 The Euro Chart II-3EUR Technicals 1 Chart II-4EUR Technicals 2 Recent data in the euro area has been negative: Markit Services PMI underperformed expectations, coming in at 54.2. Moreover, retail sales yearly growth also surprised negatively, coming in at 1.2%. This measure also decreased relative to last month. German factory orders yearly growth also surprised to the downside, showing a contraction of 0.8%. Finally, German industrial production yearly growth also underperformed, coming in at 2.5%. EUR/USD has been relatively flat this week. The euro is likely to have downside for the rest of the year, as tight labor market in the U.S. and powerful inflationary pressures will push the fed to raise rates more than what is priced into the OIS curve. Meanwhile, the ECB will have to stay put, as deaccelerating global growth will weigh on its export-oriented economy. Report Links: Time To Pause And Breathe - July 6, 2018 What Is Good For China Doesn't Always Help The World - June 29, 2018 Updating Our Long-Term FX Fair Value Models - June 22, 2018 The Yen Chart II-5JPY Technicals 1 Chart II-6JPY Technicals 2 Recent data in Japan has been mixed: Markit Services PMI underperformed expectations, coming in at 51.3. Moreover, the leading economic index also surprised to the downside, coming in at 105.2. However, overall household spending yearly growth surprised positively, coming in at -1.2%. This measure also increased relative to last month's number. Finally, labor cash earnings yearly growth also surprised to the upside, coming in at 3.6%. USD/JPY has gone down by nearly 0.7% this week. We are bullish on the yen versus commodity and European currencies on a 6 month basis, as slowing global growth coupled with trade tensions should generate rising volatility and help safe havens like the yen. Report Links: Rhetoric Is Not Always Policy - July 27, 2018 Updating Our Long-Term FX Fair Value Models - June 22, 2018 Rome Is Burning: Is It The End? - June 1, 2018 British Pound Chart II-7GBP Technicals 1 Chart II-8GBP Technicals 2 Recent data in the U.K. has been mixed: Market Services PMI underperformed expectations, coming in at 53.5. This measure also decreased from last month's number. Moreover, BRC Like-for-like retail sales yearly growth also underperformed expectations, coming in at 0.5%. This measure also decreased from 1.1% last month. However, Halifax house prices yearly growth outperformed expectations, coming in at 3.3%. This measure also increased form 1.8% the previous month. GBP/USD has fallen by 1% this week, as Brexit fears continue to put downward pressure on this cross. Cable will likely continue to fall until the end of the year, as rising U.S. rates will give a boost to the dollar. That being said, as the currency continues to depreciate it is important to keep an eye on whether inflation starts perking up a, as a buying opportunity might emerge. Report Links: Updating Our Long-Term FX Fair Value Models - June 22, 2018 Inflation Is In The Price - June 15, 2018 Updating Our Intermediate Timing Models - May 18, 2018 Australian Dollar Chart II-9AUD Technicals 1 Chart II-10AUD Technicals 2 Recent data in Australia has been mixed: Home loans growth underperformed expectations, coming in at -1.1%. This measure also decreased relatively to last month's number. However, retail sales month-on-month growth outperformed expectations, coming in at 0.4%. AUD/USD has rallied by nearly 1% this week, as investors have started to price in Chinese stimulus. Overall, we believe that any relief in tightening from the Chinese authorities will be temporary, which means that the rally in the AUD will likely be short lived. That being said, tactical investors who wish to take a position on Chinese stimulus can buy our designed "China Play Index", a risk adjusted portfolio comprised of AUD/JPY, Brazilian equities, Swedish industrials equities, iron ore and EM high yield debt. Report Links: What Is Good For China Doesn't Always Help The World - June 29, 2018 Updating Our Long-Term FX Fair Value Models - June 22, 2018 Updating Our Intermediate Timing Models - May 18, 2018 New Zealand Dollar Chart II-11NZD Technicals 1 Chart II-12NZD Technicals 2 On Thursday, the RBNZ left its policy rate unchanged at 1.75%. NZD/USD fell by 1% following the decision. The monetary policy statement stroke a dovish tone, as the RBNZ stated that they expected "to keep the OCR (Official Cash rate) at this level through 2019 and into 2020", longer than originally projected in their May statement. Moreover, the RBNZ highlighted that the probability of rate cut, while still not its central scenario, has risen. We believe, that growth in the kiwi economy could be at risk as tightening by both the Fed and the PBoC as well as trade tensions will likely prove to be a toxic cocktail for this small open economy very levered to global trade. This means that NZD/USD is likely to continue to go down as we approach2019. Report Links: Updating Our Long-Term FX Fair Value Models - June 22, 2018 Updating Our Intermediate Timing Models - May 18, 2018 Value Strategies In FX Markets: Putting PPP To The Test - May 11, 2018 Canadian Dollar Chart II-13CAD Technicals 1 Chart II-14CAD Technicals 2 Recent data in Canada has been mixed: The Ivey Purchasing Manager's Index underperformed expectations, coming in at 61.8. This measure also decreased from last month's number. Moreover, Building permit month-on-month growth also surprised negatively, coming in at -2.3%. However, International merchandise trade outperformed expectations, coming in at -0.63 billion. USD/CAD has been flat this week. We continue to hold a tactical bearish bias on this cross, as the excessive short positioning in the CAD has yet to be purged. That being said, we are bullish on this cross on a 6-12 month basis, as the Fed will likely keep raising interest rates, hurting EM economies, and consequently commodity producers like Canada. Report Links: Updating Our Long-Term FX Fair Value Models - June 22, 2018 Inflation Is In The Price - June 15, 2018 Rome Is Burning: Is It The End? - June 1, 2018 Swiss Franc Chart II-15CHF Technicals 1 Chart II-16CHF Technicals 2 Recent data In Switzerland has been neutral: Headline inflation came in line with expectations, at 1.2%. This measure also increased relatively to last month's number. The unemployment rate also came in line with expectations at 2.6%. EUR/CHF has declined by roughly 0.6% this week. We believe this cross could continue to have downside on a 6 to 12 month basis if trade tensions and Chinese tightening continue to make for a risk off environment. That being said, on a longer term basis, the franc is not likely to have much upside, given that the SNB will keep ultra-dovish monetary policy in order to help bring back inflation to Switzerland. Report Links: Updating Our Long-Term FX Fair Value Models - June 22, 2018 Updating Our Intermediate Timing Models - May 18, 2018 Value Strategies In FX Markets: Putting PPP To The Test - May 11, 2018 Norwegian Krone Chart II-17NOK Technicals 1 Chart II-18NOK Technicals 2 USD/NOK has been relatively flat this week. We are bullish on this cross on a 6 to 12 month basis, given that widening interest rate differentials between the U.S. and Norway will likely boost this cross. It is important to remember that while oil prices are an important driver of USD/NOK, our research has shown that interest rate differentials have a stronger correlation. Thus, USD/NOK could rise even amid rising oil prices. With this in mind, we are bullish on the NOK within the commodity complex, as oil should outperform base metals thanks to the supply cuts by OPEC. Strong oil prices should also help the NOK versus the EUR. Report Links: Updating Our Long-Term FX Fair Value Models - June 22, 2018 Updating Our Intermediate Timing Models - May 18, 2018 Value Strategies In FX Markets: Putting PPP To The Test - May 11, 2018 Swedish Krona Chart II-19SEK Technicals 1 Chart II-20SEK Technicals 2 USD/SEK has risen by more than 1% this week. We are bearish on this cross on a 6-12 month basis, as our research has shown that the krona is the most sensitive currency to the dollar in the G10. This is likely due to the fact that Sweden is a small very open economy which sits early in the global supply chain, exporting a large proportion of intermediate goods. When the dollar rises and curtails Emerging market demand, Sweden producers are the first to feel the pain from the slowdown. On a longer term basis we are more bullish on the krona, given that inflation continues to be very strong in Sweden, and the Riksbank will eventually have to adjust monetary policy accordingly. Report Links: Updating Our Long-Term FX Fair Value Models - June 22, 2018 Updating Our Intermediate Timing Models - May 18, 2018 Value Strategies In FX Markets: Putting PPP To The Test - May 11, 2018 Trades & Forecasts Forecast Summary Core Portfolio Tactical Trades Closed Trades
Special Report Dear Client, This is the first of a two-part Special Report dealing with the question of whether a significant pickup in global inflation may be lurking around the corner. In this week's report, we look back at the causes of the Great Inflation of the 1970s to see if they are still relevant today. While there are plenty of differences, there are also a number of important similarities. In a forthcoming report, we will challenge the often-heard arguments that globalization, automation, e-commerce, aging populations, excessive indebtedness, and the declining role of trade unions all limit the ability of inflation to rise. Best regards, Peter Berezin, Chief Global Strategist Highlights The likelihood of a significant increase in inflation over the coming years is greater than the market believes. Just as in the 1960s, policymakers are coming around to the idea that there may be an exploitable trade-off between higher inflation and lower unemployment. Despite abundant evidence that inflation is a highly lagging indicator, the pressure to keep monetary policy accommodative until the "whites of inflation's eyes" are visible will remain strong. Political influence over the conduct of monetary policy is likely to increase, as already evidenced by Trump's tweets lambasting Jay Powell, suggestions that the Bank of Japan explicitly monetize government debt, Jeremy Corbyn's call for a "People's QE," and the ongoing need for the ECB to keep rates low in order to forestall a sovereign debt crisis in Italy. Feature Chart 1Back To Full Employment In The USA... The U.S. Labor Market Keeps Tightening The U.S. labor market continues to tighten. Nonfarm payrolls increased by 157,000 in July. While this was below consensus expectations of a 193,000 rise, much of the shortfall appears to have been due to a sharp drop in employment among sporting goods and hobby retailers, a category that includes the now-defunct Toys 'R' Us. Revisions to past months pushed up the three-month average payroll gain to 224,000, more than double the additional 100,000 jobs that are needed every month to keep up with population growth. The U-6 unemployment rate - a broad measure of joblessness that includes marginally-attached workers and part-time workers who desire full-time employment - fell by 0.3 percentage points to a fresh cycle low of 7.5%. There are currently more job openings than unemployed workers. A record 75% of labor market entrants have been able to find a job within one month. Business surveys show that companies are struggling to find qualified workers (Chart 1). Inflation: Dead Or Dormant? Despite the increasingly tight labor market, wage growth has been slow to accelerate (Chart 2). Wages of production and non-supervisory employees barely rose in July. The year-over-year change in the Employment Cost Index for private-sector workers edged up to 2.9% in the second quarter, but remains well below its pre-recession peak. The Atlanta Fed Wage Growth Tracker has actually been trending lower since mid-2016. The core PCE deflator rose by 1.9% year-over-year in June, shy of expectations of a 2.0% increase. Most other measures of core inflation remain reasonably well contained (Chart 3). The failure of wage and price inflation to take off in the face of diminished spare capacity has led many observers to conclude that inflation is unlikely to move materially higher. Both market expectations and household surveys reflect this sentiment. The 10-year and 5-year/5-year forward TIPS breakeven inflation rates remain below their pre-Great Recession average (Chart 4). Long-term inflation expectations in the University of Michigan survey are near record lows. Breaking down the University of Michigan survey, one can see that most of the decline in inflation expectations in recent years has stemmed from a smaller share of respondents expecting very high inflation. Chart 2...But Wage Growth Has Been Slow To Accelerate Chart 3Core Inflation Measures Remain Contained Chart 4Long-Term Inflation Expectations Are Subdued Fears of a 1970-style inflation episode continue to recede. But could most observers turn out to be wrong? Could a major bout of inflation be lurking around the corner? No one knows for sure, but we would attach a much larger probability to such an outcome than the market is currently assigning. On a risk-adjusted basis, this justifies a cautious view towards long-term bonds. Causes Of The Great Inflation To understand why we think a repeat of the 1970s is a greater risk than is generally accepted, it is useful to ask what caused inflation to spiral out of control during that decade. Much of the academic debate has focused on two competing explanations: call it the "bad luck" view versus the "bad ideas" view. We side with the latter. The "bad luck" view blames rising inflation on a series of unforeseen and unforeseeable shocks. These include the OPEC oil embargoes, the collapse of the Bretton Woods system of fixed exchange rates, and the deceleration in productivity growth that occurred during the 1970s. One major problem with the "bad luck" view is timing. As Chart 5 shows, inflation in the U.S. began to spiral out of control starting in 1966, five years before Bretton Woods collapsed and seven years before the first oil shock. Inflation also initially accelerated during a period when productivity growth was still strong. Chart 5AInflation Started To Pick Up Before##br## 'Bad Luck' Hit The U.S. Economy Chart 5BInflation Started To Pick Up Before ##br##'Bad Luck' Hit The U.S. Economy Reverse Causality Chart 6Oil Lagged Other Commodities ##br##Between 1971 And 1973 Rather than causing inflation to rise, it is quite possible that all three of the shocks listed above were, to some extent, the result of higher inflation. This certainly seems the case for the collapse of the Bretton Woods system, whose existence helped provide a critical nominal anchor for the money supply and, by extension, the price level. At its core, the system functioned like a quasi-gold standard, with the price of U.S. dollars set at $35 per ounce and all other currencies being pegged to the dollar. Inflationary policies in the U.S. and many other countries in the late 1960s made gold cheap relative to regular goods and services, leading to a shortage of bullion. As the largest holder of gold, the U.S. found itself in a position where other countries were swapping their currencies into dollars and then redeeming those dollars for gold. In a desperate bid to stem gold outflows, the U.S. devalued the dollar, which forced foreigners to sacrifice more local currency to get the same amount of gold. When that was not enough, President Nixon ordered the closure of the gold window in August 1971 and imposed a temporary 10% surcharge on imports. The delinking of the price of gold from the dollar ignited a bull market in bullion that ultimately saw the price of the yellow metal reach $850 per ounce in January 1980. The prices of other metals jumped, as did food prices. Farmland entered a speculative bubble. OPEC was initially slow to react to the seismic changes sweeping the globe (Chart 6). The price of oil barely rose between 1971 and 1973, even as other commodity prices soared. The Yom Kippur war shook the cartel out of its slumber. Within the span of four months, the price of oil more than doubled, marking the first of a series of oil shocks. It is hard to know if OPEC would have reacted differently in an environment where the Bretton Woods system did not collapse and the value of the dollar did not tumble. However, it is certainly plausible that excessively easy monetary conditions in the years leading up to the 1973 oil shock created an environment in which the price of crude ended up rising more than it would have otherwise. The dislocations caused by runaway inflation in the 1970s probably had some role in the productivity slowdown during that decade. In general, the economic literature has found that high and volatile inflation has an adverse effect on productivity.1 The fact that policymakers reacted to rising inflation in the 1970s with price controls and trade restrictions only exacerbated the problem. Bad Ideas The temporary imposition of price and wage controls in 1971 was just one of a series of policy blunders that occurred during that era, starting with the failure to quell inflationary pressures in the late 1960s. Three bad ideas enabled inflation to get out of hand: First, policymakers mistakenly believed that high unemployment reflected inadequate demand rather than festering labor market rigidities. Second, they incorrectly assumed that there was a permanent trade-off between lower unemployment and higher inflation. Finally, and perhaps most damaging, they increasingly came to see monetary tightening as an ineffective tool in the fight against inflation. Let's examine each bad idea in turn. How Much Slack? Athanasios Orphanides and others have shown that policymakers in the U.S. and elsewhere systemically overestimated the magnitude of slack in their economies (Chart 7). This occurred mainly because they failed to recognize the upward shift in the natural rate of unemployment that took place during this period. Economists continue to debate the reasons why the natural rate of unemployment rose in the second half of the 1960s. Demographics probably played a role. Young people tend to switch jobs more often, and so the mass entry of baby boomers into the labor market probably pushed up frictional unemployment. Lyndon Johnson's Great Society program also led to a massive increase in government entitlement spending (Chart 8). Not only did this supercharge demand, but it also arguably reduced the incentive to work by creating an increasingly elaborate welfare state. Chart 7The Tendency To Overestimate The Level Of Slack Chart 8Entitlement Spending Rose Rapidly In The 1960s Whatever the reasons, policymakers were slow to recognize that structural unemployment had risen. This led them to press down on the economic accelerator when they should have been stepping on the brake. Illusory Trade-Offs Once it became clear that rising demand was pushing up prices by more than it was boosting production, the Federal Reserve should have moved quickly to tighten monetary policy. While the Fed did begrudgingly hike rates in 1968-69, it backed off as the economy began to slow. By February 1970, inflation had reached 6.4%. One key reason why the Fed adopted such a lackadaisical attitude towards inflation is that it saw higher inflation as a small price to pay for keeping unemployment low. This conviction stemmed from the false belief that there was a permanent trade-off between inflation and unemployment. Not everyone shared this view. Milton Friedman and Edmund Phelps argued that central banks could only stimulate the economy if they delivered more inflation than people were anticipating. Higher-than-expected inflation would push down real interest rates, leading to more spending. However, once people caught on to what was happening, the apparent trade-off between higher inflation and lower unemployment would evaporate: lenders would increase nominal borrowing rates and workers would demand higher wages. Inflation would rise, but output would not be any greater than before. History ultimately proved Friedman and Phelps correct, but by then the damage had been done. A Dereliction Of Duty Of all the mistakes that central banks made during that period, perhaps the most egregious was their contention that rising inflation had little to do with the way they conducted monetary policy. The June 8th 1971 FOMC minutes noted that Fed Chairman Arthur Burns believed that "monetary policy could do very little to arrest an inflation that rested so heavily on wage-cost pressures. In his judgment a much higher rate of unemployment produced by monetary policy would not moderate such pressures appreciably." 2 This sentiment was echoed by the Council of Economic Advisors, which argued in 1978 that "Recent experience has demonstrated that the inflation we have inherited from the past cannot be cured by policies that slow growth and keep unemployment high." 3 If central banks could not do much to reduce inflation, it stood to reason that the onus had to fall on politicians and their underlings. By shunning their obligation to maintain price stability, central banks opened the door to all sorts of political meddling. And meddle they did. In his exhaustive study of the Nixon tapes, Burton Abrams documented how Richard Nixon sought, and Burns obligingly delivered, an expansionary monetary policy and faster growth in the lead-up to the 1972 election.4 Relevance For The Present Day President Trump's complaints over Twitter about Chair Powell's inclination to keep raising rates is hardly on par with the politicization of monetary policy that occurred during Nixon's presidency. Nevertheless, we may be slowly moving down that slippery slope. And it's not just the Fed. Suggestions that the Bank of Japan explicitly monetize government debt, Jeremy Corbyn's call for a "People's QE," and the ongoing pressure that the ECB will face to keep rates low in order to forestall a sovereign debt crisis in Italy all foreshadow growing political influence over the conduct of monetary policy. History clearly shows that inflation tends to be higher in countries which lack independent central banks (Chart 9). What about the broader question of whether the sort of mistakes that many central banks made in the 1960s and 70s could resurface, perhaps in a different guise? Here is where things get tricky. Today, few economists would question the notion that central banks can reduce inflation if they raise rates by enough to slow growth meaningfully. The Volcker disinflation, as well as the more vigilant approach that the Bundesbank and the Swiss National Bank took towards tackling inflation in the 1970s, are testaments to that (Chart 10). Chart 9Inflation Is Higher In Countries Lacking Independent Central Banks Chart 10The Great Inflation Around The World The problem is that most economists also recognize that central banks lack effective tools in bringing up inflation when confronted with the zero lower-bound on short-term interest rates. This has prompted many prominent economists to argue that central banks should raise their inflation targets above the current standard of two percent. The evidence is mixed about whether a higher inflation target of, say, three or four percent would unmoor inflation expectations by enough to generate an inflationary spiral. Our suspicion is probably not, but we would not dismiss the possibility altogether. Return Of The Paleo-Phillips Curve? Perhaps more relevant at the current juncture is that many influential economists once again see evidence for an exploitable trade-off between inflation and unemployment. One prominent advocate for this view is Paul Krugman. It is well worth quoting Krugman at length: "From the mid-1970s until just the other day, the overwhelming view in macroeconomics was that there is no long-run trade-off between unemployment and inflation, that any attempt to hold unemployment below some level determined by structural factors would lead to ever-accelerating inflation. But the data haven't supported that view for a while... Looking forward, the risks of being too loose versus too tight are hugely asymmetric: letting the economy slump again will impose big costs that are never made up, while running it hot won't store up any meaningful trouble for the future." 5 We have some sympathy for Krugman's position, as well as Larry Summers' view that policymakers should not raise rates until they see "the whites of inflation's eyes." Still, one cannot help but notice that these arguments bear some resemblance to the views that pervaded economic circles in the 1960s. Inflation is a highly lagging indicator. It typically does not peak until after a recession has begun and does not bottom until the recovery is well underway (Chart 11). The Federal Reserve has cut its estimate of the natural rate of unemployment from 5.6% in 2012 to 4.45% at present. It has also reduced its estimate of the appropriate long-term level of the nominal federal funds rate from 4.25% to 2.875% over this period (Chart 12). Perhaps these new NAIRU estimates will turn out to be correct; perhaps they won't. The IMF reckons that the U.S. economy is currently operating at 1.2% of GDP above potential. Chart 13 shows that the IMF has consistently overestimated slack in the U.S. and other G7 economies during the past twenty years. It is entirely possible that the U.S. economy is already operating well beyond its full potential, but we will not know this until the lagged effects of diminished slack appear in the inflation data. Chart 11Inflation Is A Lagging Indicator Chart 12Estimates Of NAIRU And R* Have Fallen Chart 13The IMF Has Tended To Overestimate Slack In The G7 As we discussed several weeks ago, fiscal stimulus, faster credit growth, higher asset prices, and a rising labor share of total income have probably pushed up the neutral rate quite a bit over the past few years.6 This lifts the odds that the Fed will find itself behind the curve, causing inflation to rise more than the market is anticipating. Many commentators have argued that excess capacity in the rest of the world will not permit inflation to rise much from current levels, even if the Fed is slow to raise rates. In addition, they contend that automation, e-commerce, and other deflationary technologies, as well as population aging, high debt levels, and the declining influence of trade unions will keep inflation at bay. We will examine these arguments in a forthcoming report. To preview our conclusions, we think they are much weaker than they first appear. Peter Berezin, Chief Global Strategist Global Investment Strategy peterb@bcaresearch.com 1 Please see Stanley Fischer, "The Role of Macroeconomic Factors in Growth," NBER Working Paper (December 1993); and Robert J. Barro, "Inflation and Economic Growth," NBER Working Paper (October 1995). 2 Please see "Federal Open Market Committee, Memorandum Of Discussion," Federal Reserve (June 8, 1971). 3 Please see "Economic Report Of The President (Transmitted To The Congress January 1978)," Frasier, Federal Reserve Bank Of St. Louis (January 1978). 4 Burton A. Abrams, "How Richard Nixon Pressured Arthur Burns: Evidence from the Nixon Tapes," Journal of Economic Perspectives, 20 (4): 177-188. 5 Paul Krugman, "Unnatural Economics (Wonkish)," The New York Times, May 6, 2018. 6 Please see Global Investment Strategy Weekly Report, "U.S. Housing Will Drive The Global Business Cycle... Again," dated July 6, 2018. Strategy & Market Trends Tactical Trades Strategic Recommendations Closed Trades
This week we are publishing Part 1 of an overview of the cyclical profiles of emerging market (EM) economies. This all-in-charts presentation illustrates the business cycle conditions of the largest EMs. The aim of this report is to provide investors with a quick assessment of where each EM economy stands. In addition, we provide our view on each market. The rest of the countries will be covered in next week’s Part 2. Chart A Chart B Korea: Overweight Equities Korea: Overweight Equities Korea: Overweight EquitiesKorea: Overweight Equities ...But Negative On Currency ...But Negative On Currency ...But Negative On Currency ...But Negative On Currency ...But Negative On Currency Taiwan: Overweight Equities But... Taiwan: Overweight Equities... Taiwan: Overweight Equities... Taiwan: Overweight Equities... Taiwan: Overweight Equities... ...Absolute Return Investors Should Mind Cracks In Semi Sector ...Absolute Return Investors Should ##br##Mind Cracks In Semi Sector ...Absolute Return Investors Should ##br##Mind Cracks In Semi Sector India: Remain Overweight India: Remain Overweight India: Remain Overweight India: Remain Overweight India: Remain Overweight India: Strong Domestic Growth & Advanced NPL Recognition India: Strong Domestic Growth & ##br##Advanced NPL Recognition India: Strong Domestic Growth & ##br##Advanced NPL Recognition India: Strong Domestic Growth & ##br##Advanced NPL Recognition India: Strong Domestic Growth & ##br##Advanced NPL Recognition South Africa: On Shaky Foundations - Underweight South Africa: On Shaky Foundations South Africa: On Shaky Foundations South Africa: On Shaky Foundations South Africa: On Shaky Foundations South Africa: Strong Consumption, No CAPEX And No Competitiveness South Africa: Strong Consumption, ##br##No CAPEX And No Competitiveness South Africa: Strong Consumption, ##br##No CAPEX And No Competitiveness South Africa: Strong Consumption, ##br##No CAPEX And No Competitiveness South Africa: Strong Consumption, ##br##No CAPEX And No Competitiveness Brazil: Heading Towards A Fiscal Debacle - Underweight Brazil: Heading Towards A Fiscal Debacle Brazil: Heading Towards A Fiscal DebacleBrazil: Heading Towards A Fiscal Debacle Brazil: More Downside In Financial Assets Brazil: More Downside In Financial Assets Brazil: More Downside In Financial Assets Brazil: More Downside In Financial Assets Brazil: More Downside In Financial Assets Mexico: Domestic Fundamentals Are Improving - Overweight Mexico: Domestic Fundamentals Are Improving Mexico: Domestic Fundamentals Are ImprovingMexico: Domestic Fundamentals Are Improving Mexico: External Sector Is Faring Well Mexico: External Sector Is Faring Well Mexico: External Sector Is Faring WellMexico: External Sector Is Faring Well Russia: Orthodox Monetary And Fiscal Policies Russia: Orthodox Monetary And Fiscal Policies Russia: Orthodox Monetary And Fiscal Policies Russia: Orthodox Monetary And Fiscal Policies Russia: Orthodox Monetary And Fiscal Policies Russia: Gradual Cyclical Improvements - On Upgrade Watchlist Russia: Gradual Cyclical Improvements Russia: Gradual Cyclical ImprovementsRussia: Gradual Cyclical Improvements Turkey: A Genuine Inflation Breakout Amidst Credit Excesses Turkey: A Genuine Inflation ##br##Breakout Amidst Credit Excesses Turkey: A Genuine Inflation ##br##Breakout Amidst Credit Excesses Turkey: A Genuine Inflation ##br##Breakout Amidst Credit Excesses Turkey: A Genuine Inflation ##br##Breakout Amidst Credit Excesses Turkey: A Genuine Inflation ##br##Breakout Amidst Credit Excesses Turkey: Still In Dangerous Territory - Underweight Turkey: Still In Dangerous Territory Turkey: Still In Dangerous TerritoryTurkey: Still In Dangerous TerritoryTurkey: Still In Dangerous Territory Equity Recommendations Fixed-Income, Credit And Currency Recommendations