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Highlights Chinese domestic stocks have materially lagged their investable peers over the past three years, due to the legacy effects of an enormous, policy-driven bubble in 2014-2015. While A-shares have worked off some of this speculative bubble and multiples are no longer extreme, the outlook for earnings is uninspiring and the valuation discount offered by domestic stocks is modest, at best. Investors should maintain a neutral stance towards Chinese A-shares over the coming 6-12 months, but should remain alert to any improvements in China's housing market and especially any easing monetary policy, as they may signal a potential upgrade catalyst. Finally, we note that the negative perception of Chinese domestic stocks by many global investors does not appear to be justified by the data. A-shares have a place within a regional equity portfolio, and should not be ignored when the right cyclical conditions present themselves. Feature Since last October we have written extensively about the character and magnitude of the economic slowdown in China, and what it means for both Chinese import growth as well as earnings growth for the MSCI China Index (our investable benchmark). Chart 1Disappointing Relative Performance ##br##From A-Shares We have focused our investment strategy discussions on investable stocks because domestic A-shares have underperformed our investable benchmark by a significant margin over the past three years (Chart 1). In this week's report we take a closer look at the reasons for this underperformance, and review the outlook for A-shares over the coming 6-12 months. We conclude that the case for A-shares is currently uninspiring over the cyclical investment horizon, warranting a neutral stance for now. However, we also note that the negative perception of China's domestic stocks among some global investors, that it is a "casino" market untethered from fundamentals, is not supported by the data. This underscores that A-shares deserve a place within a regional equity portfolio, and should be favored when cyclical conditions warrant it. 2014-2015: A Policy-Driven Bubble In Domestic Stocks The drivers of A-share underperformance over the past few years can be traced back to events that occurred in 2014/2015, when A-shares rose 160% over the course of 12 months (Chart 2). Following several years of poor performance in the domestic stock market, Chinese policymakers began a push in 2014 to encourage retail investors to buy A-shares. This policy was part of a plan to help reduce what the government saw as a massive flow of savings towards investments that were excessively speculative in nature (such as wealth management products and China's property market), as well as to support a market that authorities hoped would become a more prominent target of international investors. This push involved lowering transaction and account opening fees, lowering margin debt restrictions, and using state media to wage a campaign to encourage equity ownership.1 Chart 3 highlights that the authorities' efforts initially worked at boosting stock prices, by showing the strong relationship between the MSCI China A Onshore index and margin debt linked to the Shanghai and Shenzhen stock exchanges. But this experiment ultimately ended badly, and domestic stock prices and margin debt began to crash in the summer of 2015. In total, the MSCI China A Onshore index fell roughly 50% from June 2015 to January 2016, nearly rivaling the total decline experienced by the S&P 500 during the 2007-2009 global financial crisis. Chart 22014/2015 Was A Policy-Driven Bubble ##br##In Domestic Stocks Chart 3Easing Margin Debt Restrictions ##br##Had An Enormous Impact While domestic stocks have risen by an impressive 30% (12.5% annualized) since they troughed in early-2016, they have underperformed their investable peers (both overall and excluding technology) over the same period. This disappointing relative performance has caused many global investors to question whether they should bother investing in A-shares, and under what conditions, if any, should they favor domestic stocks over investable equities. A-Share Value No Longer Extreme... The narrative of a policy-driven bubble in 2014-2015 suggests that extreme overvaluation is the root cause of the recent underperformance of domestic Chinese equities. Chart 4 shows that this is indeed the case, by presenting the 12-month forward P/E ratio for MSCI China (our investable benchmark), MSCI China A Onshore, and All Country World. Chinese equities, both investable and domestic, were deeply discounted relative to global stocks in late-2014, reflecting the multi-year Chinese economic slowdown that began in mid-2010. But the government's campaign to encourage domestic stock ownership caused the A-share multiple to more than double in 12 months, and to exceed that of global stocks. Chart 4The Underperformance Of A-Shares, As Told By Multiples The multiple of investable equities also rose due to the campaign, but by a much smaller magnitude. It began to fall in mid-2015 alongside the domestic stock multiple but bottomed before the end of the year in response to signs that China's economy was about to enter the upswing of a mini economic cycle. The following 2 years saw investable equities re-rate significantly as China's economy recovered, whereas the still-elevated domestic market multiple simply trended sideways. But the bottom line for investors is that A-shares have worked off a good portion amount of the overvaluation that was caused by the policy-driven bubble of 2014-2015, meaning that their risk-reward profile has materially improved. ...But The Outlook For Domestic Stocks Is Uninspiring Given that domestic equities have largely closed their valuation gap relative to investable stocks, shouldn't investors be overweight the former? In our view, there are several factors currently arguing against an overweight stance towards A-shares: While we acknowledge the improvement in relative valuation, multiples at a level similar to the overall investable market are not cheap enough to make domestic stocks look highly attractive, given that the latter are no longer cheap themselves versus the global benchmark. We noted in our February 15 Weekly Report that investable technology stocks have been responsible for pushing our relative composite valuation indicator for China into overvalued territory over the past year,2 and we recommended in that report that investors continue to maintain their Chinese equity exposure on an ex-tech basis (which are considerably cheaper in relative terms). Given the fact that China's economy is slowing, and given that the corporate sector has substantially increased its leverage over the past decade, we believe that Chinese equities should be priced at some discount relative to global stocks. Chart 5 suggests that this discount is modest, at best. Chart 5 shows that domestic stocks are modestly cheap versus the global benchmark according to earnings and book value, but are expensive according to cash flow and dividends. While gaps of these kinds have existed in the past, the fact that cash-based measures have been lagging more accrual-based measures since 2013 raises the odds of a problem with earnings quality in the domestic market. This is a topic that we hope to revisit in the coming months, but for now it reinforces the view that the valuation discount applied to A-shares (versus global) is likely insufficient. Chart 6 presents a forecast for A-share earnings per share growth in U.S. dollars, based on its relationship with the Li Keqiang index. The chart shows that while a significant earnings contraction is not in the cards, the growth rate may fall to zero over the coming 6-12 months. This, in conjunction with only a minor valuation discount relative to global stocks, paints an uninspiring cyclical outlook for A-shares over the coming year. Chart 5The Current Valuation Discount Applied To A-Shares Is Modest, At Best Dispelling The Myth Of The "Casino" Market While we find the cyclical outlook for A-shares to be lackluster, the fact that valuation has improved significantly since mid-2015 is an important development from the perspective of regional equity allocation. From our perspective, A-shares should be on the radar screen of global investors as a potential market to favor if the opportunity presents itself, even if the cyclical conditions do not currently warrant an overweight stance. Besides the issue of regulated investability, one reason why global investors tend to overlook domestic Chinese stocks is the perception that A-shares are largely a "casino" market. Admittedly, the decision by policymakers in 2014 to effectively engineer a bubble in domestic stocks did not help to dispel this perspective. However, a closer examination of this question highlights that domestic Chinese equities are, while relatively volatile, hardly untethered from fundamentals at the broad index level. First, Chart 6 below highlighted that there is a close correlation between the Li Keqiang index and the growth rate of A-share trailing earnings. Earnings quality issues aside (the risk of which can be managed by assigning a valuation discount), this certainly does not suggest that A-share returns are more likely to be random than other stock markets. Second, as we noted in a September Special Report,3 the gap in the volatility of A-shares relative to other markets is slowly declining (Chart 7). More recently, the decline in A-share volatility appears to be due to the involvement of China's "national team", i.e. purchases by state-owned financial institutions that are designed to reduce the oscillation of daily price changes, and that began in the wake of the 2015 selloff with the goal of stabilizing the stock market. In the developed world, this type of government interference in financial markets is viewed with deep suspicion and is often referred to in the financial media as being necessary for the government to "prop up" its stock market to avoid an inevitable decline. Chart 6An Uninspiring Domestic Equity Earnings Outlook Chart 7A-Shares Are Relatively Volatile, But The Gap Is Narrowing But Chart 6 highlights how this is misleading: the recovery in A-share earnings that has occurred since 2015 is clearly legitimate given the mini-cycle upswing, meaning that China's "national team" has, at worst, prevented a sharp decline in an elevated multiple over the past two years. It is difficult to see this as anything but a genuine attempt at managing the workout process of a market that underwent a major shock, quite similar in concept to what the Federal Reserve did in the U.S. during the first few years of the subpar economic recovery. From our perspective, as long as this buying remains counter-cyclical and does not somehow interfere with the link between the economy and underlying earnings growth, this should argue in favor a global investor allocation to A-shares (via a lower equity risk premium), not against it. Third, a "casino" market that truly ignores fundamentals and is based heavily on herd-following behavior should rank as highly inefficient from the perspective of the Efficient Markets Hypothesis (EMH). We test whether the A-share market falls into this category by looking for two telltale signs of an inefficient market: whether past returns carry significant information about future returns, and whether simple technical trading rules can lead to outsized profits. Tables 1 and 2 present our findings: in Table 1, we show the F-statistic and R-squared of a second-order autoregression for several regional markets (higher numbers = less efficient), and in Table 2 we show the "win rate" of a trend following rule that buys stocks in the following month if the closing index price at the end of the prior month is above its 9-month moving average (higher win rate = less efficient). Table 1China's Domestic Market Is Less Inefficient Than It Used To Be Table 2Simple Technical Rules Don't Earn Outsized Profits In The A-Share Market The tables show that while there is some evidence to suggest that the A-share market has been relatively inefficient on average compared with other stock markets since the beginning of the last decade, this gap has been significantly reduced over the past few years. To us, this is a compelling sign that A-shares deserve a place within a global equity portfolio and should be favored when cyclical conditions warrant it. Investment Conclusions The ongoing economic slowdown in China means that the earnings outlook for domestic Chinese equities is uninspiring. When coupled with a modest (at best) valuation discount relative to global stocks, this suggests that global investors should have a neutral allocation to A-shares over the coming 6-12 months. However, the observable link between China's economy and domestic equity earnings growth means that investors should be looking to increase their allocation to A-shares on any signs of a pickup in Chinese economic activity. In particular, Chart 8 highlights that domestic stocks appear more likely to lead corporate bond spreads and housing market indicators than investable stocks are, suggesting that any significant easing in monetary policy or a continued improvement in the housing market could act as a potential catalyst to upgrade A-shares even within the context of a benign growth slowdown in China's industrial sector. Chart 8A-Shares Better Lead The Housing Market##br## And Domestic Corporate Bond Spreads As a final point, even if A-shares were to become a more attractive investment at some point in the future, investability remains somewhat of a challenge for some investors. Over the years, BCA's China Investment Strategy service has published and periodically updated our Research Note, "China Shop," as a practical guide for investors looking for exposure to Chinese assets. Our most recent edition, published last August, has a simple list of ETFs that investors can use to gain exposure to the domestic market when the right conditions present themselves.4 But for investors who wish to rank these ETFs based on a proprietary BCA methodology, or who want to easily compare key metrics such as liquidity, legal structure, constituents, sector exposure, performance, etc, BCA's Global ETF Strategy service has a new tool that will greatly assist the process. Effective mid-February, our Global ETF Strategy team launched a new completely redesigned interactive website, along with a Special Report that reviewed how investors can make the most of the matching engine at the heart of the platform (as well as how to best profit from the entire Global ETF Strategy service).5 Given the issues surrounding investability in China's domestic equity market, we highly recommend that any clients who are potentially interested in allocating to A-shares read the report, and take note of this unique, time-saving service. Jonathan LaBerge, CFA, Vice President Special Reports jonathanl@bcaresearch.com 1 "China's State Media Join Brokerages Saying Buy Equities", Bloomberg News, September 4, 2014. 2 Please see China Investment Strategy Weekly Report, "After The Selloff: A View From China", dated February 15, 2018, available at cis.bcaresearch.com. 3 Please see China Investment Strategy Special Report, "A Stock Market With Chinese Characteristics", dated September 21, 2017, available at cis.bcaresearch.com. 4 Please see China Investment Strategy Research Note, "China Shop: Calling Foreign Investors", dated August 10, 2017, available at cis.bcaresearch.com. 5 Please see Global ETF Special Report, "A User's Guide To Global ETF Strategy", dated February 14, 2018, available at etf.bcaresearch.com. Cyclical Investment Stance Equity Sector Recommendations
Highlights BCA's view is that while a major trade war is unlikely, trade tensions will persist. The Fed, not protectionism, will end the cycle. There have been five episodes in the past 35 years when global growth surged and fiscal, monetary and regulatory policy were all aligned to boost the U.S. economy. The March Beige Book keeps the Fed on track to hike four times this year. Feature The Trump Administration's announcement last week to slap hefty tariffs on steel and aluminum runs the risk of provoking a "tit-for-tat" trade war. This proposed levy follows a similar move earlier this year to impose tariffs on washers and solar panels. The EU has retaliated with a threat to introduce tariffs on Harley Davidson motorcycles and Levi's jeans. Even if a trade war develops, our Global Investment Strategy team notes1 that the U.S. would suffer less in a trade war than other nations, and that higher tariffs may lead to more domestic demand, a more aggressive Fed and a stronger dollar. Certainly, the tariff issue does not signal the end of the U.S. economic expansion or equity bull market. BCA's view is that while a major trade war is unlikely, trade tensions will persist. Our Geopolitical Strategy service states2 that investors should closely monitor bellwether factors for trade policies, including Trump's position on NAFTA, exemptions granted on the steel and aluminum tariffs to countries (such as Mexico and Canada) and most importantly, the treatment of intellectual property trade with China. Bottom Line: The end of the equity bull market will probably be due to an overheated U.S. economy and rising financial imbalances, and not escalating trade protectionism. Investors should remain overweight global equities for now, but look to pare back exposure later this year. Policy Panacea The backdrop for U.S. economic growth remains solid. Consensus global GDP projections for 2018 and 2019 have perked up, in contrast with prior years when forecasters issued relentless lower GDP estimates (Chart 1). Moreover, global exports growth is in a persistent uptrend since the earlier part of 2016 (Chart 2). Chart 1U.S. & Global Growth Expectations Are Still Accelerating The surge in global growth occurs even as China's economy is poised to slow. Among the components of BCA's Li Keqiang Leading Indicator (an index designed to lead turning points in the Li Keqiang), all six series are in a downtrend, and five fell in January (the growth in M2 was the exception).3 Although China's economy is decelerating, BCA's view is that a repeat of the late 2015/early 2016 shock is unlikely (Chart 3). Chart 2Global Exports##BR##Are Booming... Chart 3Our Composite LKI Indicator Suggests##BR##A Benign Slowdown In Growth In China The U.S. economy and financial markets will benefit from the uptick in global growth, a large dose of fiscal policy, still accommodative monetary policy, and a decline in regulation. Table 1 and Chart 4 show that there have been four other junctures in the past 35 years when these factors all pulled in the same direction to boost the U.S. economy. The current episode of synchronized policy commenced in January 2016. All four previous periods occurred closer to the start and not the end of a business cycle; BCA's stance is that the U.S. economy is in the late stages of an economic expansion that began in 2009. These phases lasted, on average, for just under two years. The current phase is entering its third year. The longest was in the early 2000s (2002-2004), while the shortest was a 14-month interval in the first year of the 1991-2001 economic expansion. Three of the prior four periods ended as fiscal policy turned restrictive. In the early 1980s' chapter, a reversal in global IP signaled the end of the growth sweet spot. Performance Of U.S. Financial Assets, Gold, Oil And Earnings When Global Growth Is Increasing Alongside Stimulative Monetary, Fiscal And Regulatory Policy .... Chart 4Global Growth, Fiscal, Monetary And Regulatory Policy##BR##All Pulling In The Same Direction Not surprisingly, risk assets perform well during these "tailwind" points (Table 1 again and Chart 5). The S&P 500 rose in the previous four periods and again in the current one. However, BCA's stock-to-bond ratio fell in the early 1990s and early 2000s. Credit tends to outperform Treasuries when monetary, fiscal and regulatory policy are synchronized, and small caps outperform large. This is the case in the current episode that began in January 2016. Gold and oil also perform well when global growth is surging, fiscal and monetary policy is stimulative and regulations are on the wane. However, on average, the dollar falls during these intervals as demonstrated in the early 2000s and early 2010s. S&P 500 earnings growth is solid and well above average during these phases. Chart 5U.S. Risk Assets In Periods Of Strong Global Growth And Synchronized Policy Push Table 2 shows that U.S. risk assets tend to struggle in the year after these legs end, but the economy keeps flourishing. Stocks underperformed bonds a year after the end of two of the four periods, but none of those periods coincided with a recession. Investment-grade and high-yield credit underperforms Treasuries in the ensuing 12 months, while small caps struggle to keep up with large. Gold performs well in three of the four periods, but oil posts a mixed performance. The dollar rises and S&P 500 earnings per share increase in the year after stretches of synchronous policy, but at a much slower pace than when the stimulative fiscal policy, deregulation and easy monetary policy are all in place. Table 2... What Happens In The 12 Months After These Episodes End... Tighter Fed policy will end the current era of pro-growth policies. BCA's stance is that the Fed will raise rates four times this year and another three or four times next year, pushing monetary policy into restrictive territory. U.S. fiscal policy will likely add to growth into the next year, thanks to tax cuts and the lifting of spending caps, and Trump will continue to look for deregulation opportunities. Bottom Line: Fed tightening will end the latest era of deregulation, easy monetary policy and stimulative fiscal policy, but not until early next year. Until then, a favorable backdrop will persist for stocks over bonds, credit, S&P 500 earnings and oil. Stay long stocks and credit, and underweight duration. This forecast assumes that the trade spat does not degenerate into a trade war. If that occurs, we would recommend reducing our overweight to risk assets sooner than early next year. Beige Book: More Tailwinds Fed Chair Powell's February 27 testimony to Congress noted that "some of the headwinds the U.S. economy faced in previous years have turned into tailwinds."4 The Beige Book released on March 7 highlights many of those tailwinds, keeps the Fed on track to boost rates at least three times this year and highlights the impact of the tax bill on the economy. BCA's quantitative approach5 to the Beige Book's qualitative data points to underlying strength in GDP and a tighter labor market. Furthermore, the disconnect between the Beige Book's view of inflation and the market's stance has eased. Moreover, references to a stronger dollar have disappeared from the Beige Book and business uncertainty is significantly reduced, reflecting the tax cut bill and Trump's assault on regulation. The latest Beige Book ran from mid-January to February 26 and, therefore, did not capture the business community's reaction to the tariff announcement in early March. Chart 6, panel 1 shows that at 67% in March, BCA's Beige Book Monitor stayed near its cycle highs, which reconfirms that the underlying economy was upbeat in early 2018. The number of 'weak' words in the Beige Book returned to near four-year lows after ticking higher in the wake of last summer's hurricanes. Moreover, there were 15 mentions of the tax bill in the March Beige Book, up from 12 in January and only 3 in November 2017 (not shown). The tax bill was cast in a positive light in 87% of the remarks in March versus 75% in January. In November, the references to either the tax bill (or tax reform) cited the consequent uncertainty as a constraint on growth. Chart 6Latest Beige Book Supports##BR##The Fed's View On Rates, Inflation And Economy Based on the minimal references to a robust dollar in the past six Beige Books, the greenback should not be an issue in Q4 2017 or Q1 2018. This sharply contrasts with 2015 and early 2016 when there were surges in Beige Book mentions (Chart 6, panel 4). The last time that six consecutive Beige Books had so few remarks about a strong dollar was in late 2014. BCA's stance is that the dollar will move modestly higher in 2018. Business uncertainty over government policy (fiscal, regulatory and health) multiplied in the past few Beige Books as Congress debated the tax bill. However, in general, these comments have dropped since Trump took office in early 2017. The implication is that the business community is correctly focused on policy and not politics in D.C. (Chart 6, panel 5). However, the controversy associated with the tariffs on steel and aluminum will add to business unease in the coming months unless Trump reverses his position. The disagreement between the Fed and the market on inflation narrowed in the March edition of the Beige Book (Chart 6, panel 3). The number of inflation words in the Beige Book rose to an 8 month high in March, reflecting the abrupt change in sentiment on inflation in early 2018 both in the business community and the market. In the past year, inflation words in the Beige Book climbed as the readings on CPI and PCE rolled over. In the past, increased references to inflation have led measured inflation by a few months, suggesting that the CPI and core PCE may soon turn up. Bottom Line: The March Beige Book supports BCA's view that the U.S. economy is poised to expand above its long-term potential in the first half of 2018. Moreover, the elevated soundings on inflation in the Beige Book in recent years have again proved prescience, as price measures are poised to turn higher. While the first few Beige Books in 2018 showed that the business and financial communities welcomed tax cut legislation, the next edition will likely reflect elevated concern over the nation's trade policies. John Canally, CFA, Senior Vice President U.S. Investment Strategy johnc@bcaresearch.com 1 Please see BCA Research's Global Investment Strategy Weekly Report "Trump's Tariffs: A Q&A", published March 9, 2018. Available at gis.bcaresearch.com. 2 Please see BCA Research's Geopolitical Strategy Client Note "Market Reprices Odds Of A Global Trade War", published March 6, 2018. Available at gps.bcaresearch.com. 3 Please see BCA Research's China Investment Strategy Weekly Report "China And The Risk Of Escalation", published March 7, 2018. Available at cis.bcaresearch.com. 4 https://www.federalreserve.gov/newsevents/testimony/powell20180226a.htm 5 Please see BCA Research's U.S. Investment Strategy Weekly Report, "The Great Debate Continues," published April 17, 2017. Available at usis.bcaresearch.com.
Highlights Portfolio Strategy Quantitative tightening, a rising fed funds rate and higher prices at the pump are all bearish consumer discretionary stocks. Downgrade exposure to underweight. We are executing this interest rate-sensitive sector downgrade by reducing the S&P movies & entertainment and S&P cable & satellite sub-indexes to underweight. A downbeat industry spending backdrop and fading pricing power paint a gloomy EPS picture. Recent Changes S&P Consumer Discretionary - Downgrade to underweight today. S&P Movies & Entertainment - Trim to underweight today. S&P Cable & Satellite - Downgrade to underweight today. Table 1 Feature Equities are still in the recovery ward and the consolidation/absorption phase in place since the February 5th crack has yet to fully run its course. According to our "buy the dip" cycle-on-cycle analysis, a retest of the recent lows typically occurs in the first month following the initial shock, suggesting that the market is already out of the woods (Chart 1A). However, the return of vol may keep a lid on the SPX for a while longer (Chart 1B). Our strategy in place since February 8th is to buy this dip as we do not foresee an end to the business cycle in 2018.1 Chart 1ABuy This Dip Worked Out Nicely... Chart 1BBut The Return Of Vol May Spoil The Party Recent tariff news has dominated the media, however, our sense is that a full blown retaliatory trade war is a low probability outcome. Keep in mind, that the average U.S. tariff rates have drifted lower during the past three decades and, according to the World Bank, are now 1.6%, one of the lowest in the world2 (third panel, Chart 2). And as for concerns that the rhetoric surrounding trade will lead to a surge in the U.S. dollar, we note that the last two times there was a trade spat of sorts the U.S. dollar actually depreciated, both in the early-2000s and in the early-to-mid 1990s (Chart 2). Tack on the recent euphoria surrounding manufacturing exports - which just hit a 30-year high - and it is likely that deep cyclical EPS would overshoot were a trade war to ensue (bottom panel, Chart 2). Such a weak U.S. dollar policy is also a boon for overall SPX profits, if history at least rhymes (Chart 3). Chart 2Tariffs Don't Matter Chart 3SPX EPS Would Get a Boost From A Tariff War Importantly, synchronized global growth and the selloff in the bond markets remain the dominant macro themes. Last week we showed that since the GFC, empirical evidence suggests that the U.S. economy can withstand a tightening of roughly 125bps in a short time span (please see Chart 3B from the March 5th Special Report). This week we add two components to our interest rate analysis and increase the dataset range back to the 1960s. We compare cyclical momentum in the SPX with the annual change in the 10-year Treasury yield, and also document the shifting correlation between these two asset classes. We then filter for a minimum year-over-year (yoy) 100bps tightening in the 10-year Treasury yield and a clear indication of a negative correlation between the two variables, i.e. a deceleration or straight up contraction in the SPX annual percent change. In other words, we are searching for tightness in monetary conditions that cause equity market consternation, excluding recessions. Table 2 summarizes our results. While cyclical stock momentum and changes in the 10-year Treasury yield have been a near carbon copy since the late-1990s (Chart 4), according to our analysis there have been five iterations when rising bond yields proved restrictive for equities: once in each of the 1960s, 1970s and 1990s and twice in the 1980s. Table 2SPX Returns In Times Of ##br##Restrictive 10-Year UST Selloffs Chart 4The Great ##br##Moderation Years In the mid-1960s, the U.S. deployed troops in Vietnam and the Fed also tightened monetary policy by enough to invert the yield curve (Chart 5). During the mid-1970s episode, fresh off the first oil shock-induced recession, the Fed started tightening monetary policy in 1977 in order to contain inflation and never looked back. Eventually, the Fed inverted the yield curve in late-1978 before the second oil shock hit that morphed into the early-1980s recession (Chart 6). Chart 5100bps Tightening... Chart 6...Can Hurt Equities... In the 1980s, following the double dip recession, Fed Chairman Paul Volcker started lifting interest rates as the economy was recovering, and similarly in 1987 the Fed was aggressively tightening monetary policy up until the "Black Monday" crash (Chart 7). Finally, in 1994 the Fed doubled interest rates in a span of nine months and in December of that year Mexico had to devalue the peso and the "Tequila effect" gripped Asia and Latin America. Such abrupt tightening caused a mild indigestion in the stock market (Chart 8). Chart 7...When The Stock-To-Bond Yield Correlation... Chart 8...Turns Negative On average, the SPX drawdown from peak-to-trough during these five iterations was 19% and lasted 6.5 months. Currently, in order for interest rates to turn from reflective of growth to restrictive and cause a sizable pullback in the SPX, we calculate that the 10-year Treasury yield would have to rise above 3.05% by September 2018. Simultaneously, the correlation between stocks and bond yields would have to sink into negative territory. Nevertheless, given the steepness of the recent selloff in bonds, in order for the yoy 100bps rule of thumb to remain in place, post September the 10-year Treasury yield should continue to gallop higher and end the year near 3.5%, and further rise to 3.94% in early 2019. While this is possible, we assign low odds to such an outcome. As a reminder, BCA's higher interest rate view calls for a selloff in the 10-year Treasury bond near 3.25% by year-end 2018, a level that both the economy and the SPX will likely be able to shake off (Chart 4). This week we act on our mid-January alert and downgrade an interest rate-sensitive sector to underweight. Trim Consumer Discretionary To Underweight In mid-January we put the S&P consumer discretionary sector on downgrade alert heeding the anemic signal from our EPS growth model and also owing to BCA's high interest rate theme for 2018. We are now acting on the alert and cutting exposure and moving the S&P consumer discretionary sector to a below benchmark allocation. At this stage of the cycle, when the Fed is on track to continue to steadily lift interest rates in the coming two years as the economy heats up, investors should lighten up on consumer discretionary stocks (Chart 9). In addition, this cycle the Fed is orchestrating dual tightening as it is simultaneously unwinding the size of its balance sheet. Quantitative tightening is also bearish discretionary stocks (Chart 10). Chart 9Mind The Fed Funds Rate Chart 10Quantitative Tightening Also Bites This rising short-term interest rate backdrop is not conducive to owning extremely interest rate-sensitive equities. Both the household financial obligation ratio and household debt service payments have bottomed and are actually increasing. A higher interest rate backdrop will sustain the upward pressure on both and likely weigh on consumer discretionary relative share prices (both series shown inverted, Chart 11). The U.S. consumer has been firing on all cylinders with PCE growing 4% in real terms last quarter and contributing positively to overall real output growth (Chart 12). Chart 11Household Financing ##br##Costs Have Troughed Chart 124% Real PCE Growth Is##br## Unsustainable Absent Wage Inflation However, such a breakneck pace is unsustainable without wage inflation follow through. Worrisomely, the personal savings rate has been depleted to the point where the consumer appears tapped out. Historically, consumer confidence and the savings rate have been perfectly inversely correlated (Chart 13). Sky high sentiment and almost zero savings suggest that the consumer has to resort to credit card debt in order to finance outlays in the absence of wage inflation. Revolving credit is soaring, but worryingly credit card delinquency and chargeoff rates at small commercial banks are at recession type levels, warning that this credit outlet may be drying up (Chart 14). Chart 13Depleted Savings Are Problematic Chart 14Early Signs Of Trouble? All of this is taking place at a time when bankers are still not willing extenders of consumer installment credit, according to the Fed's latest Senior Loan Officer Survey. The implication is that even a modest tick down in consumer confidence and simultaneous rebuilding of savings will likely, at the margin, dent consumer spending. Another macro headwind the consumer has to contend with is higher prices at the pump. BCA's constructive crude oil view suggests that increasing gasoline prices will continue to eat into consumer discretionary spending power. Taken together, these macro headwinds will dampen consumer discretionary outlays. Our Consumer Drag Indicator captures these forces and is signaling that relative share price momentum will dwindle in the coming months (Chart 15). Under such a backdrop, while consumer discretionary EPS can expand modestly, they will trail the broad market that is slated to grow profits close to 20% in calendar 2018. Relative performance will likely converge lower to falling relative profitability (top panel, Chart 16). We currently side with the sell-side community and expect a contraction in relative profit growth. Therefore, not only are we unwilling to pay an 18% premium valuation to own this interest rate-sensitive sector, but we would also sell into strength given our view of a derating phase taking root in the coming months (bottom panel, Chart 16). Our Cyclical Macro Indicator confirms this downbeat relative EPS growth outlook, and underscores that the path of least resistance is lower for consumer discretionary stocks (Chart 15). Chart 15Models Say Sell Chart 16Unsustainable Divergence Finally, a few words on AMZN.3 Cracks have already formed in relative share prices ex-AMZN (top panel, Chart 11). The AMZN juggernaut has masked the true consumer discretionary picture given its hefty market cap weight in the index (20%) that will only increase in late-summer following the already announced S&P index composition changes. Accordingly at that time, we will also make changes to our portfolio. While we maintain a neutral exposure to the S&P internet retail index, that AMZN dominates4 and that we recently initiated coverage on, the way we are executing the S&P consumer discretionary downgrade to underweight is by trimming the media index to a below benchmark allocation. Media: Exit Stage Right Since the late 1970s the media complex's fortunes have been joined at the hip with the U.S. dollar. When the greenback is roaring, investors pile into media shares and vice versa. While media outlets do have international sales exposure, it is small and significantly trails the overall market's foreign revenue exposure. Thus, the mostly domestic nature of media stocks explains the positive correlation with the U.S. dollar (Chart 17). This multi-decade relationship remains in place, and given the sizable losses in the trade-weighted U.S. dollar since the December 2016 peak, the relative share price ratio will remain under intense pressure. On the operating front, shifting consumer spending trends are weighing on relative performance. The top panel of Chart 18 shows that relative media outlays have been in a free fall. Millennials, currently the largest U.S. age cohort, have been "cord cutting" and preferring competitive "on demand" services, largely explaining the near collapse in media spending. Chart 17Joined At The Hip Chart 18Bearish Operating Metrics As a result, industry pricing power is under attack with relative sales and profit expectations steadily sinking (middle & bottom panels, Chart 18). Nevertheless, media barons have awakened to the threats engulfing this industry and are scrambling to fight back. The knee-jerk reaction in the movies & entertainment subindustry has been to seek intra-industry buyout candidates (Chart 19). Inter-industry M&A is also ongoing with the AT&T/Time Warner and Justice Department trial still pending, the tie-up between Disney and Fox and the competitive bids for Sky plc from Fox and Comcast. However, media consolidation is not a sustainable way forward for profit growth. Organic EPS growth remains anemic and the visible breakdown in the correlation between consumer confidence and relative share prices since early 2016 represents a yellow flag (top panel, Chart 20). Chart 19M&A Nearly Exhausted Chart 20Unnerving Breakdown In Correlations Similar to consumer confidence, the ISM non-manufacturing composite is also probing cycle highs, however, industry spending is now outright contracting and steeply diverging from the upbeat ISM services survey. Tack on rising gasoline prices and the news is grim for S&P movies & entertainment profitability (Chart 20). These bleak spending patterns are not isolated in the S&P movies and entertainment index, they have also infiltrated the S&P cable & satellite media sub-index. Chart 21 shows that relative consumer outlays on cable services have taken a plunge, warning that relative share prices will likely suffer the same fate in the coming quarters. Even extremely resilient cable TV pricing power is losing its luster on the back of shrinking industry demand, as cable price hikes can no longer keep up with overall inflation (bottom panel, Chart 21). The implication is that sales are at risk of further steep deceleration. Given that cable providers have to continually upgrade their networks in order to keep up with ever increasing bandwidth demand, tightening margins will eventually translate into cash flow compression (Chart 22). Chart 21Demand And Prices Are Deflating Chart 22Margin Trouble Bottom Line: Downgrade the S&P movies & entertainment and S&P cable and satellite indexes to underweight. This also pushes our exposure to the broad S&P consumer discretionary sector to the underweight column. The ticker symbols for the stocks in the S&P movies & entertainment and S&P cable and satellite indexes, are BLBG: S5MOVI - DIS, TWX, FOXA, FOX, VIAB and BLBG: S5CBST - CMCSA, CHTR, DISH, respectively. Anastasios Avgeriou, Vice President U.S. Equity Strategy anastasios@bcaresearch.com 1 Please see BCA U.S. Equity Strategy Insight, "Buy The Dip," dated February 8, 2018, available at uses.bcaresearch.com. 2 https://data.worldbank.org/indicator/TM.TAX.MRCH.WM.AR.ZS?locations=US 3 Please see BCA U.S. Equity Strategy Special Report, "Internet Retail: Dialed Up," dated February 26, 2018, available at uses.bcaresearch.com. 4 Ibid. Current Recommendations Current Trades Size And Style Views Favor value over growth. Stay neutral small over large caps (downgrade alert).
Dear Client, Following up on last week's report, my colleagues Caroline Miller, Mathieu Savary, and I held a webcast on Wednesday to discuss the outlook for the dollar along with recent events. If you haven't already, I hope you find the time to listen in. Best regards, Peter Berezin, Chief Global Strategist Highlights Protectionism is popular with the American public in general, and Trump's base specifically. The sabre-rattling will persist, but an all-out trade war is unlikely. Trump is focused on the stock market, and equities would suffer mightily if a trade war broke out. The Pentagon has also warned of the dangers of across-the-board tariffs that penalize America's military allies. The rationale for protectionism made a lot more sense when there were masses of unemployed workers. That's not the case today. The equity bull market will eventually end, but chances are that this will happen due to an overheated U.S. economy and rising financial imbalances, not because of escalating trade protectionism. Investors should remain overweight global equities for now, but look to pare back exposure later this year. Feature Q: What prompted Trump's announcement? A: Last week began with President Trump proclaiming that he would seek re-election in 2020. Then came a slew of negative news, including the resignation of Hope Hicks, Trump's White House communications director, and the downgrading of Jared Kushner's security clearance. All this happened against the backdrop of the ever-widening Mueller probe. Trump needed to change the subject. Fast. However, it would be a mistake to think that the tariff announcement was simply a distractionary tactic. Turmoil in the White House might have been the immediate trigger, but events had been building towards this outcome for some time. The Trump administration had imposed tariffs on washing machines and solar panels in January. Hiking tariffs on steel and aluminum - two industries that had suffered heavy job losses over the past two decades - was a logical next step. In fact, the 25% tariff on steel and 10% tariff on aluminum were similar to the 24% and 7.7% tariff rates, respectively, that the Commerce Department proposed as one of three options on February 16th.1 Protectionism is popular with the American public. This is especially true for Trump's base (Chart 1). Indeed, it is safe to say that Trump's unorthodox views on trade are what handed him the Republican nomination and what allowed him to win key swing (and manufacturing) states such as Ohio, Michigan, and Pennsylvania. Trump made a promise to his voters. He is trying to keep it. Q: Wouldn't raising trade barriers hurt the U.S. economy, thereby harming the same workers Trump is trying to help? A: That's the line coming from the financial press and most of the political establishment, but it's not as clear cut as it may seem. An all-out trade war would undoubtedly hurt the U.S., but a minor skirmish probably would not. The U.S. does run a large trade deficit. Economists Katharine Abraham and Melissa Kearney recently estimated that increased competition from Chinese imports cost the U.S. economy 2.65 million jobs between 1999 and 2016, almost double the 1.4 million jobs lost to automation.2 This accords with other studies, such as the one by David Autor and his colleagues, which found that increased trade with China has led to large job losses in the U.S. manufacturing sector (Chart 2).3 Chart 1Trump Is Catering ##br##To His Protectionist Base Chart 2China's Ascent Has Reduced##br## U.S. Manufacturing Employment Granted, China does not even make it into the top ten list of countries that export steel to the United States. But that is somewhat beside the point. As with most commodities, there is a fairly well-integrated global market for steel. Due to its proximity to Asian markets, China exports most of its steel to the rest of the region (Chart 3). That does not stop Chinese overcapacity from dragging down prices around the world. Chart 3Most Of China's Steel Exports Don't Travel That Far Q: Wouldn't steel and aluminum tariffs simply raise prices for American consumers, thereby reducing real wages? A: That depends. If Trump's gambit reduces the U.S. trade deficit, this will increase domestic spending, putting more upward pressure on wages. As far as prices are concerned, the U.S. imported $39 billion of iron and steel in 2017, and an additional $18 billion of aluminum. That's only 2% of total imports and less than 0.3% of GDP. If import prices went up by the full amount of the tariff, this would add less than five basis points to inflation. And even that would be a one-off hit to the price level, rather than a permanent increase in the inflation rate. In practice, it is doubtful that prices would rise by the full amount of the tariff (if they did, what would be the purpose of retaliatory measures?). Most econometric studies suggest that producers will absorb about half of the tariff in the form of lower profit margins. To the extent that this reduces the pre-tariff price of imported goods, it would shift the terms of trade in America's favor. Chart 4Does Trade Retaliation Make Sense ##br## When Most Trade Is In Intermediate Goods? There is an old economic theory, first elucidated by Robert Torrens in the 19th century, which says that the optimal tariff is always positive for countries such as the U.S. that are price-makers rather than price-takers in international markets. Put more formally, Torrens showed that an increase in tariffs from very low levels was likely to raise government revenue and producer surplus by more than the loss in consumer surplus. So, in theory, the U.S. could actually benefit at the expense of the rest of the world by imposing higher tariffs.4 Q: This assumes that there is no trade retaliation. How realistic is that? A: That's the key. As noted above, a breakdown of the global trading system would hurt the U.S., but a trade spat could help it. Trump was trying to scare the opposition by tweeting "trade wars are good, and easy to win." In a game of chicken, it helps to convince your opponent that you are reckless and nuts. Trump's detractors would say he is both, so that works in his favor. Trump has another thing working for him. Most trade these days is in intermediate goods (Chart 4). It does not pay for Mexico to slap tariffs on imported U.S. intermediate goods when those very same goods are assembled into final goods in Mexico - creating jobs for Mexican workers in the process - and re-exported to the U.S. or the rest of the world. The same is true for China and many other countries. This does not preclude the imposition of targeted retaliatory tariffs. The EU has threatened to raise tariffs on Levi's jeans and Harley Davidson motorcycles (whose headquarters, not coincidently, is located in Paul Ryan's Wisconsin district). We would not be surprised if high-end foreign-owned golf courses were also subject to additional scrutiny! But if this is all that happens, markets won't care. The fact that the United States imports much more than it exports also gives Trump a lot of leverage. Take the case of China. Chinese imports of goods and services are 2.65% of U.S. GDP, but exports to China are only 0.96% of GDP. And nearly half of U.S. goods exports to China are agricultural products and raw materials (Chart 5). Taxing them would be difficult without raising Chinese consumer prices. Simply put, the U.S. stands to lose less from a trade war than most other countries. Chart 5China Stands To Lose More From A Trade War With The U.S. Q: Couldn't China and other countries punish the U.S. by dumping Treasurys? A: They could, but why would they? Such an action would only drive down the value of the dollar, giving U.S. exporters an even greater advantage. The smart, strategic response would be to intervene in currency markets with the aim of bidding up the dollar. Chart 6Slowing Global Growth Is Bullish##br## For The Dollar Q: So the dollar could strengthen as a result of rising protectionism? A: Yes, it could. This is a point that even Mario Draghi made at yesterday's ECB press conference. If higher tariffs lead to a smaller trade deficit, this will increase U.S. aggregate demand. The boost to demand would be amplified if more companies decide to relocate production back to the U.S. for fear of being shut out of the lucrative U.S. market. The U.S. economy is now operating close to full employment. Anything that adds to demand is likely to prompt the Fed to raise rates more aggressively than it otherwise would. That could lead to a stronger greenback. Considering that the U.S. is a fairly closed economy which runs a trade deficit, it would suffer less than other economies in the event of a trade war. A scenario where global growth slows because of rising trade tensions, while the composition of that growth shifts towards the U.S., would be bullish for the dollar (Chart 6). Q: What are the implications for stocks and bonds? A: Wall Street will dictate what happens to stocks, but Main Street will dictate what happens to bonds. The stock market hates protectionism, so it is no surprise that equities sold off last week. It is this fact that ultimately got Trump to soften his position. Trump is used to taking credit for a rising stock market. If stocks flounder, this could make him think twice about pushing for higher trade barriers. As far as bonds are concerned, they will react to whatever happens to growth and inflation. As noted above, a trade skirmish could actually boost growth and inflation. Given that the economy is near full capacity, the latter is likely to rise more than the former. This, too, could cause Trump to cool his heels. After all, if higher inflation pushes up bond yields, this will hurt highly-levered sectors such as, you guessed it, real estate. Q: In conclusion, where do you see things going from here? A: Trade frictions will continue. As my colleague Marko Papic highlighted in a report published earlier this week, NAFTA negotiations are likely to remain on the ropes for some time.5 The Trump administration is also investigating allegations of Chinese IP theft. The U.S. is a major exporter of intellectual property, but these exports would be much larger if U.S. companies were properly compensated for their ingenuity. Chinese imports of U.S. intellectual property were less than 0.1% of Chinese GDP in 2017, an implausibly small number (Chart 7). If China is found to have acted unfairly, this could lead the U.S. to impose across-the-board tariffs on Chinese goods and restrictions on inbound foreign direct investment. Nevertheless, as noted above, worries about a plunging stock market will constrain Trump from acting too aggressively. The rationale for protectionism made a lot more sense when there were masses of unemployed workers. Today, firms are struggling to find qualified staff (Chart 8). This suggest that Trump will stick to doing what he does best, which is taking credit for everything good that happens under the sun. Chart 7China Is Importing More IP From The U.S., ##br##But The "True" Number Is Probably Higher Chart 8Protectionism Makes Less Sense ##br##When The Labor Market Is Strong Ironically, the latest trade skirmish is occurring at a time when the Chinese government is taking concerted steps to reduce excess capacity in the steel sector, and the profits of U.S. steel producers are rebounding smartly (Chart 9). In fact, the latest Fed Beige Book released earlier this week highlighted that "steel producers reported raising selling prices because of a decline in market share for foreign steel ..."6 Chart 9Chinese Steel Exports Falling, U.S. Steel Profits Rising Meanwile, German automakers already produce nearly 900,000 vehicles in the U.S., 62% of which are exported. In fact, European automakers have a smaller share of the U.S. market than U.S. automakers have of the European one.7 A lot of what Trump wants he already has. The Pentagon has also warned that trade barriers imposed against Canada and other U.S. military allies could undermine America's standing abroad. This is an important point, considering that Trump invoked the rarely used Section 232 of the Trade Expansion Act of 1962, which gives the President broad control over trade policy in matters of national security, to justify raising tariffs. Trump tends to listen to his generals, if not his other advisors. He probably was not expecting their reaction. All this suggests that a major trade war is unlikely to occur. As we go to press, it appears that the White House will temporarily exclude Canada and Mexico from the list of countries subject to tariffs. We suspect that the EU, Australia, South Korea, and a number of other economies will get some relief as well. White House National Trade Council Director Peter Navarro has also said that some "exemptions" may be granted for specific categories of steel and aluminum products that are deemed necessary to U.S. businesses. That is a potentially very broad basket. The bottom line is that the equity bull market will end, but chances are that this will happen due to an overheated U.S. economy and rising financial imbalances met with restrictive monetary policy, not because of escalating trade protectionism. Investors should remain overweight global equities for now, but look to pare back exposure later this year. Peter Berezin, Chief Global Strategist Global Investment Strategy peterb@bcaresearch.com 1 Please see "Secretary Ross Releases Steel and Aluminum 232 Reports in Coordination with White House," U.S. Department of Commerce, February 16, 2018. 2 Katharine G. Abraham, and Kearney, Melissa S., "Explaining the Decline in the U.S. Employment-to-Population Ratio: A Review of the Evidence," NBER Working Paper No. 24333, (February 2018). 3 David H. Autor, Dorn, David and Hanson, Gordon H., "The China Shock: Learning from Labor-Market Adjustment to Large Changes in Trade," Annual Reviews of Economics, dated August 8, 2016, available at annualreviews.org. 4 A graphical illustration of this point is provided here. 5 Please see BCA Geopolitical Strategy, "Market Reprices Odds Of A Global Trade War," dated March 6, 2018. 6 Please see "The Beige Book: Summary of Commentary on Current Economic Conditions By Federal Reserve District,"Federal Reserve, dated March 7, 2018. 7 Please see Erik F. Nielsen, "Chief Economist's Comment: Sunday Wrap," UniCredit Research, dated March 4, 2018. Strategy & Market Trends Tactical Trades Strategic Recommendations Closed Trades
Highlights Risk assets find themselves in a precarious equilibrium. Record high valuations are fully justified if bond yields remain at current levels or fall, but valuations become increasingly hard to justify if bond yields march much higher. If the average of the German 10-year bund yield and U.S. 10-year T-bond yield breaks through 2%, we would downgrade equities and upgrade bonds. Stay long Italian BTPs versus French OATs. The Italian election result is not an investment game changer... ...but stay underweight the Italian equity market (MIB) on a 6-9 month horizon. Our sector stance to underweight banks necessarily implies underweighting the bank-heavy MIB. Feature "Even yet we may draw back, but once cross yon little bridge, and the whole issue is with the sword." - Julius Caesar, contemplating whether to cross the Rubicon River in 49 BC World GDP amounts to $80 trillion. But the combined value of equities and correlated risk assets such as high yield and EM debt is worth double that, around $160 trillion. Real estate is worth $220 trillion. Hence, global risk assets are worth around five times world GDP. With the value of risk assets dwarfing the world economy by a factor of five, it perplexes us that many commentators insist that causality must always run from the economy to financial markets. In fact, in major downturns, the causality usually runs the other way. Rather than economic downturns causing financial instabilities, it is more common for financial instabilities to cause economic downturns. Specifically, the last three economic downturns had their geneses in the financial markets. The bursting of the dot com bubble triggered the downturn of 2001; the large-scale mispricing of U.S. mortgages caused the Great Recession of 2008; and the explosive widening of euro area sovereign credit spreads resulted in the euro area recession of 2011. This raises a crucial question: is there a major vulnerability in financial markets right now? Risk Assets Are As Expensive As In 2000... For at least five decades, the ratio of global equity market capitalization to world GDP (effectively, the price to sales ratio) has proved to be an excellent predictor of subsequent 10-year global equity returns (Chart I-2). Chart of the WeekWorld Equities As Highly-Valued As In 2000 On Price To Sales Chart I-2Price To Sales Has Been An Excellent Predictor Of World Equity Returns Today's extreme ratio of global equity market capitalization to world GDP has been seen only once before in modern history - at the peak of the dot com boom in 2000. In the subsequent decade global equities went on to return a paltry 2% a year. Using the particularly tight predictive relationship in recent decades, we can infer that global equities are now priced to generate 2% a year in the coming decade too (Chart of the Week). Still, equities are not as extremely valued relative to government bonds as they were in 2000. Today, the global 10-year bond yield stands near 2%, implying a broadly equal prospective 10-year return from equities and bonds. In 2000, the global 10-year bond yield stood at 5%, implying that equities would return 3% less than bonds, which they duly did (Chart I-3). Chart I-3Relative To Government Bonds, Equities Were More Expensive In 2000 On the other hand, high yield credit is more extremely valued relative to government bonds than it was in 2000. Today, the global high yield credit spread stands at a very tight 4%: in 2000, it stood at 8% (Chart I-4). So taking the combination of equities and high yield credit, we can say that risk assets are as highly valued today as they were in 2000. Chart I-4Relative To Government Bonds, High Yield Credit Was Less Expensive In 2000 ...But Risk Assets Should Be Very Expensive When Bond Yields Are Ultra-Low The record high valuation of risk assets is fully justified when government bond yields are ultra-low. This is because bond returns take on the same unattractive asymmetry - known as 'negative skew' - that equity and high yield credit returns possess. For a detailed explanation, please revisit our report Are Bonds A Greater Risk Than Equities? 1 But in a nutshell, as bond risk becomes 'equity-like' it diminishes the requirement for a superior return on equities and other risk-assets, lifting their valuations exponentially. Consider what happens to valuations when bond yields decline from 4% to 2%. At a 4% bond yield, equities possess significantly more negative skew than 10-year bonds. So investors will demand a comparatively higher return from equities, let's say 8% a year. Whereas, at a 2% bond yield, equities and 10-year bonds possess the same negative skew. So investors will demand the same return from equities as they can get from bonds, 2% a year (Chart I-5). Chart I-5Below A 2% Yield, 10-Year Bonds Are Riskier Than Equities At the lower bond yield, the bond must deliver 2% a year less for ten years, meaning its price must rise by 22%.2 But equities must deliver 6% a year less for ten years, so the equity market must surge by 80%.3 All well and good, except if bond yields go back up to 4%. In which case, bond and equity prices must fall again - in proportion to their preceding rise. Hence, risk assets find themselves in a precarious equilibrium. Record high valuations are fully justified if bond yields remain at current levels or fall, but valuations become increasingly hard to justify if bond yields march much higher. However, a setback to $380 trillion of global risk assets means that yields can't march much higher without at least a temporary reversal. Unfortunately, the exact point at which the precarious equilibrium becomes threatened is hard to define. Still, we might define crossing the Rubicon as follows. If the average of the German 10-year bund yield and U.S. 10-year T-bond yield - now standing at 1.8% - breaks through 2%, we would downgrade equities and upgrade bonds. Italy: Banks More Important Than Politics On Sunday, Italy's electorate punished the establishment centre-left and centre-right parties - the Democratic Party and Forza Italia - whose combined vote share collapsed to just 33%. Italians gravitated to parties offering populist, anti-establishment and anti-migration bromides. Sound familiar? This is just a continuation of the pattern seen in recent elections in France, Germany and Austria - as well as the victories for Brexit and President Trump. Begging the question, does the Italian election result change anything for investors? Political change disrupts markets if it dislocates the long-term expectations embedded in economic agents and financial prices. The vote for Brexit changed expectations about the U.K.'s long-term trading relationships; the election of Trump changed expectations about fiscal stimulus, the tax structure, and protectionism; and the election of Macron exorcised the potential chaos of a Le Pen presidency. On this basis, the Italian election result is not an investment game changer. The one exception would be if M5S and Lega joined forces to govern, as it could throw EU integration into reverse. But the likelihood of this unholy alliance seems very low. Many people - including some of the more populist Italian politicians - claim that Italy's long-standing economic underperformance is because it is shackled to the euro. But membership of the single currency cannot be the main cause of Italy's underperformance. After all, through 1999-2007, Italian real GDP per head performed more or less in line with the U.S., Canada and France, even without a private sector credit boom. Italy's underperformance really started after the 2008 financial crisis (Chart I-6). And the most plausible explanation is that its dysfunctional banking system has been left broken for close to a decade (Chart I-7). Italy procrastinated because its government is more indebted than other sovereigns and its banking problems did not cause an outright crisis. Chart I-6Italy Has Underperformed##br## Since The Great Recession... Chart I-7...Because The Banks ##br##Were Left Unfixed But now the banking system is finally recuperating. In the past year, banks have raised almost €50 billion in much needed equity capital, the share of non-performing loans (NPLs) is down sharply having peaked at the same level as in Spain in 2013 (Chart I-8), and bank solvency is much healthier (Chart I-9). Chart I-8Italy's NPLs Are Finally Declining... Chart I-9...And Bank Solvency Is Getting Better In effect, Italy is where Spain was in 2014. So could Italy in 2018-21 repeat Spain's turnaround in 2014-17? Italy has more work to do, but on balance we remain cautiously optimistic, and express this optimism through a relative trade in bonds: long Italian BTPs versus French OATs. The connection with the Italian equity market (MIB) is more tenuous. The market's outsize exposure to banks means that sustained outperformance of the MIB requires sustained outperformance of banks. On a 6-9 month horizon, our sector stance is to underweight banks. Necessarily, this means our country stance must be to underweight Italy. Dhaval Joshi, Senior Vice President Chief European Investment Strategist dhaval@bcaresearch.com 1 Please see the European Investment Strategy Weekly Report "Are Bonds A Greater Risk Than Equities?" published on January 25, 2018 and available at eis.bcaresearch.com 2 1.02^10 3 1.06^10 Fractal Trading Model* The rally in the Chilean peso appears technically extended. Hence, this week's trade recommendation is to short the Chilean peso versus the U.S. dollar setting a profit target of 2.7% with a symmetrical stop-loss. For any investment, excessive trend following and groupthink can reach a natural point of instability, at which point the established trend is highly likely to break down with or without an external catalyst. An early warning sign is the investment's fractal dimension approaching its natural lower bound. Encouragingly, this trigger has consistently identified countertrend moves of various magnitudes across all asset classes. Chart 10 The post-June 9, 2016 fractal trading model rules are: When the fractal dimension approaches the lower limit after an investment has been in an established trend it is a potential trigger for a liquidity-triggered trend reversal. Therefore, open a countertrend position. The profit target is a one-third reversal of the preceding 13-week move. Apply a symmetrical stop-loss. Close the position at the profit target or stop-loss. Otherwise close the position after 13 weeks. Use the position size multiple to control risk. The position size will be smaller for more risky positions. * For more details please see the European Investment Strategy Special Report "Fractals, Liquidity & A Trading Model," dated December 11, 2014, available at eis.bcaresearch.com Fractal Trading Model Recommendations Equities Bond & Interest Rates Currency & Other Positions Closed Fractal Trades Trades Closed Trades Asset Performance Currency & Bond Equity Sector Country Equity Indicators Bond Yields Chart II-1Indicators To Watch - Bond Yields Chart II-2Indicators To Watch - Bond Yields Chart II-3Indicators To Watch - Bond Yields Chart II-4Indicators To Watch - Bond Yields Interest Rate Chart II-5Indicators To Watch ##br##- Interest Rate Expectations Chart II-6Indicators To Watch##br## - Interest Rate Expectations Chart II-7Indicators To Watch##br## - Interest Rate Expectations Chart II-8Indicators To Watch##br## - Interest Rate Expectations
Special Report Highlights Russian equities are among the cheapest emerging markets, and among the cheapest in the world - a re-rating could be epic; Weak growth potential and poor governance present tremendous challenges; Yet macro fundamentals are sound and economic policy is orthodox - Russia should behave as a low-beta EM market going forward; The government is highly likely to build on recent micro-level improvements with reforms to improve human capital and infrastructure; Vladimir Putin's military adventurism has stalled, reducing geopolitical risk from high levels; Continue to overweight Russian assets within EM portfolios; go long Russian / short Brazilian local currency government bonds. Feature Russia has one of the cheapest equity markets in EM and in the world. With conflict in Ukraine frozen, a stalemate in Syria, and domestic politics stable (if not inspiring), could the country be on the verge of an epic re-rating? To answer this question, investors have to first understand why Russia is cheap. Shockingly, geopolitical adventures and the 2014 collapse in oil prices have nothing to do with the bargain prices! Russian P/E plummeted in 2011 because investors realized that President Vladimir Putin was here to stay for potentially another two decades (Chart 1). And that signaled that weak governance and an atrocious record on attracting foreign investment would persist for the long term. And yet, Russian equity outperformance amidst the most recent global volatility rout serves as an indication that Russian equities have the capacity to outperform (Chart 2). Is this a fluke, or the start of something more long-term? Chart 1Russian Equities Are Cheap Chart 2Russia Outperformed In ##br##High Vol Environment This ... Is ... Sparta! Russia faces extreme challenges as a nation. It is an austere, isolated, and militaristic society - a modern-day Sparta compared to the West's Athens. Its few competitive wares are wheat, hydrocarbons, and guns. Its lack of openness toward immigration, foreign trade, services, technology, and human development tend to limit its productivity. To assess Russia's long-term economic potential, we should begin with the bad news. First, Russia has a disastrous population profile. Both labor force growth and the working age population are shrinking (Chart 3). The dependency ratio is high and rising at 45%. Though the fertility rate has notably perked up, it remains far below the replacement rate of 2.1 (Chart 4). Even given the current population, there is limited room to increase the labor participation rate, as it is already higher than in the U.S. and is not rising anymore. Chart 3Russia Loses Workers Chart 4Russian Fertility Beneath Replacement Rate Second, immigration is in decline. Most immigrants come from the Russian commonwealth, but in net terms, immigration has been drifting away since the global financial crisis, even more rapidly since the 2014 oil shock (Chart 5). Russia is rife with xenophobia and anti-immigrant politics. Even if policy were to become more inviting, the Russian-speaking sources of immigration are also seeing weak working-age population growth. And Russia is unlikely ever to become an all-weather migrant country (Chart 6).1 Chart 5Immigrants Not Welcome Chart 6Slow Growth In Immigration Sources Third, labor productivity growth has only just begun to recover and is weaker than in the past. Russia has fallen behind its emerging European neighbors (Chart 7). The same can be said for total factor productivity growth, which is a very important indicator for economies that want to modernize - it currently stands at zero. Fourth, Russia suffers from chronically weak institutions and poor governance: Inequality is high and rising (Chart 8). Chart 7Russian Productivity Has Fallen Chart 8Inequality Is On The Rise... Governance indicators are deeply negative - worse than China's (Chart 9). Corruption is rampant - Russia ranks 135 out of 180 countries on the Corruption Perceptions Index, only very slightly improving since 2014. Corruption reduces economic efficiency and the effectiveness of public investments.2 For instance, despite the rise in spending on the judicial system in Russia, "rule of law" has declined, according to the World Bank's Worldwide Governance Indicators (Chart 9, bottom panel). Nationalization remains the government's modus operandi. Not only have privatization schemes failed, but new nationalizations have continued to occur - namely the electricity sector and most recently the banks (see Chart 14 below). State ownership has risen from 30% of GDP in 2000 to 70% today.3 Fifth, Russia's self-inflicted standoff with the western world has resulted in a closed economy that misses out on the benefits of human capital, technology transfer, and trade. The country's international competitiveness is clearly suffering: Russian exports have lost market share in the world and in the EU. Even in Eastern Europe and Central Asia, two areas where Russia has the biggest advantages and lacks geopolitical constraints, Russian exports have been lackluster. Crucially, Russia is gaining market share in East Asia, though even here with difficulty (Chart 10). Leaving aside commodities, Russia has failed to develop a competitive manufacturing sector. Chart 9...And Governance Is Poor Char 10Lack Of Export Competitiveness Sixth, Russia's government spending priorities are heavily focused on national security and thus constrained from promoting economic productivity and improving governance. Total spending on national defense, state security, and diplomacy has risen to 6.4% of GDP and 31.7% of the government budget. This is twice as much as the U.S. and China at 3.2% and 2.8% of GDP, respectively. By contrast, total spending on social policy is 5.5% of GDP and 29% of the budget. Spending on education and healthcare, at 0.7% and 0.5% of GDP respectively, is well below European, American, and Chinese levels, and it has hardly increased as a share of government spending in recent years. Basic and applied research spending is tiny and falling. So far the most significant investments in social wellbeing have been limited to pensions. Yet it is a well-attested fact that increases to state pensions precede elections, as pensioners are a key political constituency for the ruling United Russia party. The spending tends to be fleeting and does not enhance productivity.4 Cutting military spending would give Russia more fiscal resources to address badly needed economic weaknesses. But it is not on the horizon, so economic reforms will face budgetary constraints. Bottom Line: Russia's long-term potential is stunted by population shrinkage, slow productivity growth, lack of openness and competitiveness, lack of diversification and complexity, weak institutions, and poor governance. Some Good News: Orthodox Macroeconomic Policy Now for the good news: Russia's economy has stabilized and its macroeconomic policy backdrop is sound and orthodox, especially relative to emerging markets. First and foremost, fiscal and monetary policies have become less pro-cyclical. This will reduce volatility in the real economy and ensure that the current cyclical recovery is sustainable (Chart 11). Fiscal policy has been tight and conservative. In fact, the government has only slightly let nominal expenditures grow since the oil crash, while spending has fallen considerably in real terms (Chart 12). Chart 11Russia Is Undergoing A Cyclical Recovery Chart 12Russia: Orthodox Fiscal Policy Consequently, the fiscal deficit has significantly narrowed. The conservative budget assumption of $40/bbl oil is still being upheld (Chart 12, bottom panel). Moreover, the new fiscal rule implemented by the Ministry of Finance last year has allowed Russia to rebuild its FX reserves (Chart 13). The rule stipulates that the Ministry of Finance will buy foreign currency when the price of oil rises above the set target level of 2,700 RUB per barrel (i.e. $40/bbl times 67 USD/RUB exchange rate), and sell foreign exchange when the oil price falls below that level. The objective is to create a counter-cyclical ballast that will limit fluctuations in the ruble caused by swings in oil prices. Lastly, the public debt-to-GDP ratio is a mere 16% in Russia. On the monetary policy side, the Central Bank of Russia has been highly orthodox. Unlike many other EM central banks, it has refrained from injecting excess liquidity into the banking system and has maintained high real interest rates (Chart 13, bottom panels). All in all, Russia is much more advanced in its macroeconomic adjustment phase than other emerging markets: Commercial banks have been increasing provisions, even though the NPL ratio has begun to fall (Chart 14). Furthermore, the central bank has been reducing the number of dysfunctional banks by removing their licenses (Chart 14, bottom panel). Chart 13Russia: Orthodox Monetary Policy Chart 14Russian Banking Sector Underwent A Clean-Up Russia is further along in its deleveraging cycle than other EMs. Having gone through the pain of a massive currency devaluation followed by substantial increases in interest rates and bank restructuring, Russia can begin to re-leverage, which will be positive for consumption and investment. In fact, re-leveraging is already underway. Bank loans are expanding after a pronounced contraction. The credit impulse - i.e. the change in bank loan growth - continues to recover (Chart 15, top panel). Importantly, debt has room to grow, especially in the consumer sector where debt levels are low (Chart 15, bottom panel). Capital spending, which had collapsed both in absolute terms and relative to GDP, has started to recover. It is supported by a recovery in broad money supply (Chart 16). Starting from an extremely under-invested position, the recovery warrants major upside in investment outlays. Chart 15Russia: Re-leveraging ##br##Has Room To Continue Chart 16Russia: Capital Expenditures ##br##Will Rise From Low Level Exposure to external risks is limited: External debt across private and public sectors remains extremely low, limiting the impact of potential foreign currency sell-offs (Chart 17). Russia's foreign funding requirement - calculated by subtracting the current account balance from external debt servicing over the next 12 months - is the second-lowest in emerging markets after Thailand, making Russia's balance-of-payments position one of the least vulnerable in the EM universe. Furthermore, Russia is making clear improvements despite the dismal trends outlined above. On the margin these improvements could raise the country's long-term growth prospects: On the external side, the composition of exports is shifting away from commodity exports (Chart 18). Although commodity exports still account for the large majority of the export pool at 81%, a gradual shift towards other sectors will allow the economy to diversify its sources of revenue and employment. The allocation of government expenditures has marginally shifted towards addressing some of Russia's long-standing structural problems. Spending on infrastructure (transport and roads) has climbed steadily (Chart 19). This is critical as the road system in Russia is significantly underinvested and is a medium through which productivity can be efficiently increased. Chart 17Russia: External Debt Has Fallen And Is Low Chart 18Russia: Export Composition Is Improving In the private sector, employment for small and medium-sized enterprises (SMEs) has been rising (Chart 20). Importantly, this is happening in the peripheral districts as well as the economically more vibrant central federal district. Policy is becoming more supportive of SMEs, for instance via tax holidays. Allowing SMEs to gain a bigger share of the economy will hold the key to creating an environment where innovation and business confidence can start improving Russia's productivity prospects. Chart 19Russia: Road And Transport ##br##Expenditures Are Rising Chart 20Russia: SME Employment Is Rising Interestingly, the number of privately owned businesses being created is rising relative to the number of state-owned businesses. In addition, more state-owned businesses are being liquidated relative to privately owned ones (Chart 21), suggesting a willingness to accommodate "creative destruction." The "Ease of Doing Business" has improved markedly under administrative reforms, easier land registration, and improved contract enforcement (Chart 22). "Regulatory quality," "control of corruption," and "absence of violence" are key governance indicators that are directly relevant for the corporate outlook and investors, and these are improving, albeit from a negative level (Chart 23). Chart 21Russia: More Private, Less State-Owned Businesses Chart 22Easier To Do Business In Russia Chart 23Some Slight Governance Improvements In sum, while macro stability has been achieved, Russia needs to expand and sustain recent marginal developments on the micro level in order to improve its long-term economic and investment outlook. Bottom Line: The economy has stabilized and macroeconomic policy is orthodox. Marginal improvements in export composition, government spending allocations, and treatment of the private sector may not turn Russia into a high-productivity country overnight, but they do mark an inflection point that could arrest the downward trend of productivity. This is especially so if private and public initiatives are taken to further these initial developments. More Good News: Foreign Adventurism Has Stalled Russia's geopolitics are also unlikely to worsen from here, at least not in a way that is relevant to investors. President Putin's rhetoric reached peak bluster in his lengthy "State of the Nation" address to the Duma on March 1. Western media took the bait immediately, encapsulated best by The New Yorker headline, "Vladimir Putin Is Campaigning On The Threat Of Nuclear War."5 Should investors dismiss Putin's slick, computer-generated images of Florida getting nuked by multiple warheads? It depends. On one hand, our Russian geopolitical risk indicator suggests that investors have been demanding an ever smaller premium on Russian assets (Chart 24).6 There is, therefore, considerable room for the market to be surprised in the future. On the other hand, Chart 24 also shows that the premium is still at elevated levels, at least compared to the era prior to Russia's invasion of Crimea. Chart 24Geopolitical Risk Is Falling The main question for investors is whether a substantial increase in geopolitical risk could befall Russia over the short and medium term. We doubt it for three reasons: Stalemate in Syria: Russia got what it wanted in Syria. Embattled President Bashar el-Assad has survived, locking in Moscow's influence and allowing Putin to declare victory in late 2017.7 The Kremlin has already recalled most of its ground troops to Russia and has shied away from conflict with the U.S. since then.8 For example, when nine Russian mercenaries died in an attack against a U.S.-controlled base in Syria, the Russian government did not so much as protest.9 Stalemate in Ukraine: We controversially suggested in 2015 that the primary reason for Russia's intervention in Syria was to distract Putin's fired-up domestic constituency from the failures of Moscow's policy in Ukraine.10 The battle to carve out a substantive portion of Eastern Ukraine, where Russian speakers live, failed miserably. Out of the 13% of Ukrainian territory encompassing the Oblasts of Kharkiv, Luhansk, and Donetsk, Moscow-backed rebels stalled after conquering approximately 20% -- or in other words only 3% of Ukrainian territory as a whole (Map 1).11 Map 1Ukraine Is A Stalemate What Else Is Left? Russia has shied away from directly confronting NATO member states. As such, Putin is unlikely to do anything in the Baltics and Scandinavia, two regions where NATO and Russia have recently arrayed forces against one another. There is always potential for Moscow to reignite conflict in the Caucasus, but it is unlikely that the market would care (they did not in 2008!). We therefore take a different view of Putin's latest aggressive military rhetoric. By stating that Russia no longer fears the U.S. ballistic missile defense system in Europe due to technological advancement, Putin is giving himself the maneuvering room to stand-down from a constant aggressive military posture. Three other factors suggest that Russia-West tensions have peaked for the current cycle: Energy: The EU is gradually diversifying its natural gas imports away from Russia (Chart 25), but the drop in the Russian share of European gas imports in 2017 is not firmly established. Europe as a whole still depends on Russia for 33% of its natural gas consumption. The threat from U.S. LNG shale imports is a decade-long theme that will only accelerate when Europeans commit to building more import terminals (like the new one in Lithuania). Moscow is not sitting still but has begun to counter this threat by becoming a far more compliant partner to the Europeans. It has even adopted the EU Commission's regulatory framework, which it had roundly rejected seven years ago. As the U.S. threat grows over the next decade, Russia will have to compete with Americans on more than just price. It will have to show Europe that it is a reliable geopolitical partner as well. As much as Europe relies on Russian natural gas exports, Moscow relies twice as much on European natural gas imports (Chart 26). Chart 25The EU Is Diversifying... Chart 26...But Both Sides Still Need Each Other Putin's confidence: President Putin remains popular, with popular approval at 81%. His government has begun to lose support, however, with the spread between his approval and his government's approval widening to 39%, one of its highest levels. Given that Russia's president is largely in charge of foreign policy, the spread suggests that the population is largely content with the current geopolitical situation, but that the risks to Putin and his regime are domestic in nature. Given that Putin is a student of Russian history, he will remember that foreign adventures have collapsed almost every Russian regime over the past two centuries!12 Oil Prices: As we have repeatedly shown, low oil prices are a limiting factor to oil producers' ability to wage war (Chart 27). Political science research shows that the relationship is not spurious. Chart 28 shows that oil states led by revolutionary leaders are much more likely to engage in militarized interstate disputes when oil prices are higher.13 While oil prices have recovered from their doldrums from two years ago, they are still a far cry from where they stood just before the invasions of Georgia and Ukraine. Chart 27Low Oil Prices Discourage Oil States From Waging War Chart 28More Oil Revenue = More Aggression Bottom Line: Over the past decade, we have argued that Russia is aggressive not because it is playing offense but because it is playing defense. The military actions that Russia has taken since 2008 - Georgia, Ukraine, and Syria - have all focused on preserving its sphere of influence. With this sphere now largely secure - and with both Europe and the U.S. begrudgingly accepting Moscow's sphere - the probability of renewed conflict is likely overstated. Putin, Act IV Broadly, there are three different paths that Putin could take over the next six years, his fourth term in office. We review them below and give our subjective probabilities for them occurring: Détente with the West and liberalization - probability 5%. The only reason we consider this scenario an option is that the EU is gradually moving toward easing sanctions and increasing investment, while the U.S. Trump administration at least has the intention of improving ties with Putin, albeit mostly blocked by Congress. The risk remains that if Democrats take over the U.S. House of Representatives, meaningful new sanctions could be imposed on Russia. A new overseas military adventure - probability 20%. Moscow has proven to be unpredictable in the past. But while there is every reason to expect that Russia will maintain its standoff with the West, nevertheless relations are already at an extremely low level.14 Yes, Western governments will be on guard against Russian meddling in internal affairs. But the Kremlin has little interest in undermining the Trump administration, or Germany's Social Democratic Party, or Italy's Forza Italia.15 Some domestic reform while maintaining Far East strategy - probability 75%. This scenario consists of Putin attempting to augment the status quo with some substantive reforms and fiscal spending at home. At the same time, Moscow would continue to court East Asian trade and investment.16 Some normalization with the West may occur incidentally, but not as a condition of this scenario. Why do we assign such high probability to the domestic reform outlook? Credible opinion polling shows a clear majority demanding reform, with 83% of Russians wanting "change." The share of this group who want "decisive" change is slightly greater than those who want merely "incremental" change (Chart 29). This will motivate political leaders to push forward a reform agenda that increases popular support. The pressure for change is also clear in the aforementioned quality of life issues affecting the middle class, and the fact that the share of the population spending more than $20 per day has stopped growing in Russia (Chart 30). The middle class will increasingly have its ambitions frustrated if living standards are not improved. Recent elections already show worrisome trends for the regime, even within the rigged electoral system.17 Chart 29Russians Want Change Chart 30A Ceiling On Middle-Class Ambitions What kind of change do the Russian people want? Primarily, more social spending. When asked what kind of change voters would like to see, living standards and social protections come first, and "great power status" comes dead last (Chart 31).18 Specifically, Russians want improved medical services, lower inflation, and better education, agriculture, and housing and utilities - not better relations with the West, fairer elections, free markets, or democratic rights (Chart 32). Russians do not want painful cuts in entitlements, partial privatization of public services, or a higher retirement age (Chart 33). And there is no fiscal need for these. Chart 31Russians Want Social Spending... Chart 32...And Better Quality Of Life Chart 33Russians Oppose Any Cuts In Benefits The Kremlin is already responding to the demand for more spending. The most intriguing part of Putin's State of the Nation speech was his emphasis on the need to reduce poverty, improve social wellbeing, and speed up economic development (Table 1). Table 1Putin's State Of The Nation Address Putin also claimed in the State of Nation address that the upcoming reforms would require "hard decisions" to be made. It seems he is willing to impose painful economic changes.19 Bottom Line: If we are right that Putin's conquests are largely finished, then he must decide whether to focus narrowly on preserving his regime, or on broadening its support for the future. Since Putin can easily rule for longer than his upcoming six-year term,20 it is too soon to expect him to pursue a retirement strategy that sidesteps the need for significant social improvement. Instead he will try to improve regime support through economic reforms. Investment Implications First, a short word on OPEC 2.0 production cuts.21 Russia is less leveraged to oil than in the past (due to its aforementioned ability to devalue the ruble and its tight budget controls). Hence it is less committed to the cartel than Saudi Arabia, and more concerned that this year's buoyant oil price outlook could challenge the new fiscal rule (which mediates oil pass-through to the ruble) and encourage U.S. shale production. So Russia's OPEC 2.0 compliance in 2019 and beyond is murky. Lower oil prices incentivize Russia's economic rebalance and further constrain its military adventurism, but too low will reduce the fiscal resources for its reforms. What about the implications for Russian financial assets? On the tactical level, Russian stocks should see some volatility. Looking at recent Russian history, the events that caused the biggest sell-offs in the succeeding 90 days were presidential elections and the devaluation of the ruble in 1998. Yet the biggest rallies occurred when Putin consolidated power over political enemies and when events suggested substantial reforms were on the way. While we cannot rule out another post-election correction if oil and EM risk assets sell off, we would expect the market to rally eventually as Putin's new policy trajectory becomes clear. On the strategic level, Russian stocks are making a major bottom formation relative to the EM benchmark and will outperform the EM equity benchmark in the coming years (Chart 34). Both BCA's Geopolitical Strategy and Emerging Markets Strategy recommend an overweight position. Chart 34Russian And U.S. Energy ##br##Stocks Are Bottoming While the Russian bourse has historically tended to outperform the EM index during risk-on phases and underperformed in risk-off episodes, this has changed as a result of prudent macroeconomic policymaking. Namely, the decreased macroeconomic linkage between fluctuations in oil prices with the ruble and domestic interest rates. Consequently, we expect Russia to outperform in an EM risk-off phase. Another point that increases our level of conviction on overweighting Russia is that U.S. energy stocks relative to the S&P are currently at the bottom of a 60 year trend, perhaps marking an end to the structural underperformance of energy stocks (Chart 34, bottom panel). Emerging Markets Strategy recommends investors continue overweighting Russian sovereign and corporate credit within the EM credit universe, and maintain the following trades: Long Russian stocks and ruble / short Malaysian stocks an ringgit trades Long ruble / Short oil Within EM domestic bonds portfolios, Emerging Markets Strategy also recommends continuing to overweight Russian local currency bonds. Both Geopolitical Strategy and Emerging Markets Strategy recommend the following new trade: Long Russian / short Brazilian local currency government bonds. The public debt-to-GDP ratio in Brazil is 80% while it is only 16% in Russia. The fiscal deficit in Brazil stands at a large 8% of GDP, and interest payments on public debt are equal to 6 % of GDP. Meaning that without major fiscal reforms, Brazil's public debt will continue to surge and will likely reach almost 100% of GDP by the end of 2020. And public opinion is not favoring pro-market reformers. Adjusted for their respective cyclical, macro policies, currency and interest rate trends, Russian bonds offer better value than Brazilian ones and the best within the EM universe. Stephan Gabillard, Senior Analyst stephang@bcaresearch.com Marko Papic, Senior Vice President Chief Geopolitical Strategist marko@bcaresearch.com Matt Gertken, Associate Vice President Geopolitical Strategy mattg@bcaresearch.com 1 See Sergey Aleksashenko, "The Russian Economy in 2050: Heading for Labor-Based Stagnation," Brookings, April 12, 2015, available at www.brookings.edu. 2 For instance, it is well known that corruption in the construction industry results in embezzlement and poor results in public infrastructure. If this is the case for roads, then it is all the more likely to be a problem with public administration and the judiciary, as more spending certainly does not mean more fairness and justice! 3 Federal Anti-Monopoly Service. Please see David Szakonyi, "Governing Business: The State and Business in Russia," Russian Political Economy Project, Foreign Policy Research Institute, January 2018, available at www.fpri.org. 4 Sarah Wilson Sokhey, "Buying Support? Putin's Popularity and the Russian Welfare State," Russian Political Economy Project, Foreign Policy Research Institute, February 2018, available at www.fpri.org. 5 Please see Geesen, Misha, The New Yorker, "Vladimir Putin Is Campaigning On The Threat Of Nuclear War," dated March 2, 2018, available at www.newyorker.com. 6 We rarely put much stock in quantitative measures of geopolitical risk. However, the parsimony and track record of our Russian geopolitical risk indicator makes it a valuable tool. The Geopolitical Risk Premium is calculated based on USD/NOK exchange rate, Russia's CPI relative to the U.S.'s CPI, and a time trend. We chose Norway because it is a "riskless" oil producer. The USD/RUB exchange rate was adjusted according to the relative inflation in the U.S. and Russia. The deviation from the fair value after taking into account these factors is the risk premium. 7 Please see Nathan Hodge, "Putin Declares Victory In Surprise Stopover In Syria," dated December 11, 2017, available at www.wsj.com. 8 The most recent deployment of Russia's stealth air superiority fighter - the Sukhoi Su-57 - appears designed to give the newly built jet some time in combat zone and is not an escalation. 9 Although Russian media is replete with rumors that several hundreds of Russians died in the attack, the Kremlin's official line is that only nine Russian nationals died in the attack. Please see, Christoph Reuter, "The Truth About The Russian Deaths In Syria," Der Spiegel, dated March 2, 2018, available at www.spiegel.de. 10 Please see, BCA Geopolitical Strategy Special Report, "Middle East: A Tale Of Red Herrings And Black Swans," dated October 14, 2015, available at gps.bcaresearch.com. 11 A quick note on our map: we include Kharkiv in our definition of Donbass. Most international observers do not, as there was no pro-Russian revolt in the Oblast. However, this is a heuristic error given that the majority Russian speaking population of Kharkiv made it a prime region for revolt against Kiev. That it did not revolt illustrates the limits of Russian capabilities and the paucity of its strategic effort in East Ukraine. Our estimate of 3% of Ukrainian territory is consistent with other estimates, for instance the 2.5% cited in Carl Bildt, "Is Peace In Donbas Possible?" European Council On Foreign Relations, dated October 12, 2017, available at www.ecfr.eu. 12 The idea that the Russian populace gives its leaders a blank check to pursue aggressive foreign policy is not rooted in historical evidence. In fact, Russia has a very spotty history when it comes to the popular backing of failed military campaigns: the Crimean War in the mid-nineteenth century, the 1904-1905 Russo-Japanese War, the First World War in 1917, Afghanistan in the 1980s, and the First Chechen War in the early 1990s. Each of these military losses and dragged-out campaigns led to popular backlash and domestic political crises (in some cases outright revolutions!), especially when complemented with economic pain. Putin is an astute reader of history and therefore we doubt he will commit himself to another lengthy military campaign. 13 Please see Cullen S. Hendrix, "Oil Prices and Interstate Conflict Behaviour," Peterson Institute for International Economics, dated July 2014, available at www.iie.com. 14 The United States has (for now) backed away from considering imposing sanctions on the purchase of Russian sovereign debt; U.S. Treasury Secretary Steve Mnuchin issued a report against this possibility. So far U.S. sanctions have focused on limiting U.S. financing for Russian state-owned enterprises and energy and financial sectors more broadly. 15 The German Foreign Minister Sigmar Gabriel, a top leader in the SDP, is leaning on the new Grand Coalition to discuss an easing of Russian sanctions contingent on a UN peacekeeping role in Ukraine. 16 China's economy is a key support, but Xi wants to change that economy in a way that is broadly negative for Russia. And the Belt and Road Initiative is not enough for Russia's needs. Russia will thus look not only to China but to all of East Asia for markets and investment. Thus China's reform intensity, and Russo-Japanese peace negotiations, are our bellwethers for Russia's Far East and broader export success. 17 The ruling United Russia performed poorly in the 2012 elections, and fell from 83% to 79% of seats in regional elections last September. That same month, the Moscow municipal elections shocked the ruling elite due to extremely low voter turnout of 15%. Last year, anti-corruption activist and opposition leader Alexei Navalny ignited a surprising countrywide political network during his failed bid to become a presidential contender. And even Communist Party candidate Pavel Grudinin's presidential campaign reflects a yearning for change. We would not be surprised to see striking personnel reshuffles, such as the replacement of Prime Minister Dmitri Medvedev with a new "fresh faced" reformer. 18 Given this sentiment at home, Russian policymakers are unlikely to have missed the significance of the recent events in Iran, in which such sentiments helped mobilize significant anti-regime protests. 19 Examples of difficult policies in Putin's speech include: improving tax enforcement and increasing income tax rate; cutting spending to afford investments in human capital, cutting law enforcement spending and the audit office (no cuts to defense spending were on the menu); reducing the size of the state sector; selling off assets and privatizing the banking sector; keeping inflation in check (this is popular, but requires persistently hawkish monetary policy). 20 Article 81.3 of the Russian constitution can be amended fairly easily to allow Putin additional terms in office beyond 2024. 21 Please see BCA Commodity & Energy Strategy Weekly Report, "OPEC 2.0 Getting Comfortable With Higher Prices," dated February 22, 2018, available at ces.bcaresearch.com. Equity Recommendations Fixed-Income, Credit And Currency Recommendations
Highlights The direct impact of recently proposed U.S. import tariffs on steel and aluminum is likely to be small, both for China and the world. In isolation, this development is not very relevant for investment strategy. However, the lessons learned from studying the game of Prisoner's Dilemma suggest that investors should be legitimately concerned about an iterative "tit-for-tat" exchange of retaliation between the U.S. and its major trade partners if the Trump administration continues to pursue aggressively protectionist trade policies. Recent data releases show that the ongoing economic slowdown continues. While the Caixin manufacturing PMI is a bright spot, it is not likely heralding a major turning point for the Chinese economy. Investors should closely watch three bellwethers to judge the likelihood of a full-blown global trade war. Barring a major deterioration on this front, or a sharp further slowdown in Chinese economic growth, investors should stay overweight Chinese ex-tech stocks vs global. Feature The looming threat of U.S. protectionism came into full force over the past week, as President Trump stated that sweeping tariffs on all U.S. imports of steel and aluminum would soon be formalized. The tariff situation continues to evolve as we go to press, but the facts as they currently stand are the following: The proposed tariffs would be 25% on steel, and 10% on aluminum imports No exceptions are planned for any country, although statements from U.S. leadership on Monday suggested that Canada and Mexico may be exempt if NAFTA is renegotiated in the U.S.' favor Key European Union leaders threatened to retaliate against the U.S.' proposed tariffs, and the U.S. threatened to counter-retaliate China has taken a more cautious stance on the issue of retaliation, and is strongly seeking to negotiate with the Trump administration Minimal Direct Impact The developments over the past week raise two questions about China's economy that matter for investment strategy: What is the direct impact of the tariffs on China's exports likely to be? What is the implication for global growth? On the first question, the answer is fairly clear that the direct impact is likely to be small. The proposed tariffs do not disproportionately target China, and Chinese exports of steel and aluminum to the U.S. account for less than 0.2% of total exports (Chart 1). Exports of these products to all countries as a share of total exports is still quite small (panel 2). The second question is much more difficult to answer, and it has wide implications for both the Chinese economy and for investment strategy. When approaching the question, it is first important to note that the threat to the global economy from the imposition of the proposed tariffs comes from the potential for a series of retaliations from major trading partners, not the tariffs themselves. U.S. imports of steel and aluminum make up less than 1% of global goods exports, and Chart 2 presents a long-term history of average U.S. tariff rates along with our estimate of the impact of the U.S.' proposal. While the imposition of the announced tariffs would certainly change the trend that has been in place for some time, the rise is not very significant. Critically, even after the tariffs are imposed, U.S. tariffs rates will still be fractional when compared with those that prevailed during the early-1930s, when the Smoot-Hawley Tariff Act materially exacerbated the Great Depression. Chart 1Chinese Steel And Aluminum Exports##br## Are Not Significant Chart 2We're A Long, Long Way Away##br## From Smoot-Hawley China's cautious stance towards retaliation is, at first blush, an encouraging development, but it may not be as hopeful of a sign as it seems. First, despite a general feeling among investors that China was the intended target of the U.S.' proposed tariffs, a global tariff on steel and aluminum is likely to disproportionately affect developed countries rather than China. It is therefore not surprising that China has signaled a somewhat conciliatory stance. In our view, the likelihood of Chinese retaliation is considerably higher if further tariffs are announced on goods that make up a larger share of their exports. In addition, as we noted above, the European Union has already highlighted some U.S. goods that may be subject to higher retaliatory tariffs in response to the news (which already elicited a threat of counter-retaliation from the U.S.), and both Canada and Mexico have also threatened retaliation if they are not granted an exemption from the proposed tariffs. In our view, these threats should be treated seriously, especially after revisiting the lessons of one of the most famous experiments in game theory. Bottom Line: The direct impact of proposed U.S. import tariffs on steel and aluminum is likely to be small, both for China and the world. Retaliation Risk And The Prisoner's Dilemma The dynamics of trade renegotiations can be examined, at least conceptually, through the lens of game theory. It is difficult to model these dynamics precisely because of the complexity of the relationship between trade and potential growth, but it is worth revisiting the lessons learned by the repeated playing of Prisoner's Dilemma, one of the most well-known examples of the application of game theory. To summarize, the Prisoner's Dilemma scenario describes two criminals who have been arrested, and whose statement to the authorities affects the manner in which punishment (if any) is distributed between the two of them. The standard payoff structure of the game is set up such that one prisoner is able to largely avoid punishment if (s)he accuses the other of the crime and the other prisoner remains silent, but that both prisoners receive a punishment if they both accuse each other that is greater than the punishment received if they both remain silent (Table 1). Given that tariffs and other forms of trade protectionism can only durably succeed at improving net domestic economic outcomes if they do not result in retaliation, from the perspective of trade renegotiation, accusing the other player in the game of Prisoner's Dilemma is tantamount to restricting trade, and remaining silent is equivalent to allowing existing trade relationships to persist. Table1In The Prisoner's Dilemma, It's Better To Return Defection With Defection The success of strategies employed in repeated games of Prisoner's Dilemma was studied most famously by Robert Axelrod in 1980.1 The winning strategy (in both of Axelrod's tournaments) was "Tit for Tat", which follows two very simple rules: cooperate initially, and thereafter copy the other player's decision in the previous round. This strategy has three attributes that Axelrod showed to be highly successful when playing repeated games of Prisoner's Dilemma: niceness (not being the first player to accuse/defect/renege), being provocable (responding to defections with in-kind retaliation), and forgiveness (not allowing one-time defections to impact future choices beyond a one-time retaliation). Chart 3 illustrates the performance of the "Tit for Tat" strategy in the first Axelrod tournament, along with the average scores of several other strategies. The most important lesson from both tournaments is summarized nicely in the chart: the average score of a series of "nice" strategies was considerably higher than those that were not nice. But Chart 4 also highlights that niceness is only a relatively successful strategy because of its ability to produce an optimal outcome with other nice strategies: all strategies, nice or not, tend to generate poor outcomes when played against strategies that are not nice. This is because the payoff structure of Prisoner's Dilemma is such that, compared with defection, co-operation makes a player worse off if their opponent defects. Chart 3In Repeated Games Of Prisoner's Dilemma,##br## "Nice" Strategies Pay Off... Chart 4...But Only Because They Do Well Against ##br##Other "Nice" Strategies In the context of global trade, this can be seen as the likelihood of outsized job losses (or the lack of job gains in a protected industry) from a failure to retaliate. The key point for investors is that the most basic lesson of the Prisoner's Dilemma suggests that market participants should be legitimately concerned about retaliation from the U.S.' trade partners (and subsequent counter-retaliation) if it continues to pursue a protectionist agenda, because it can be a rational response for an individual country even if it leads to poor outcomes for everyone involved. In addition, three assumptions of the Prisoner's Dilemma game are not valid in the real world (or the current environment), which in two of these cases further increases the risk of an iterative exchange of retaliation: Chart 5The U.S. Has A Trade Deficit ##br##With Many Trading Partners In terms of the payoffs associated with the game, Prisoner's Dilemma assumes an equal starting position (of zero "points") on both sides, which is not the case in the current environment. The U.S. has a sizeable trade deficit with the world (Chart 5), and several important trading partners with the U.S. (especially China) maintain significant non-tariffs barriers to trade. Regardless of whether this inequity has been caused by an unfair trading relationship, in the parlance of Axelrod's tournaments, this implies that the U.S. strategy is likely to be not nice due to the perception on the part of the Trump administration of an unequal starting position. The implication is that the odds of an escalation of the imposition of relatively small tariffs into a full-blown trade war are higher than would normally be the case. Prisoner's Dilemma has clear and symmetric payoffs, which is also not the case in the current environment. The Trump administration apparently feels that the payoff to the U.S. of certain trade restrictions is a net positive even assuming retaliation, which raises the possibility of a negative outcome for the global economy. Worryingly, in our view the chances are high that calculations of the net benefit of any trade restriction are being done on a political basis, rather than an economic one. Prisoner's Dilemma assumes that the participants are unable to communicate, which is a limitation that does not exist in a real-world trade negotiation scenario. This lowers the probability that the U.S. and its major trading partners will engage in a spiraling tit-for-tat trade war relative to what the game of Prisoner's Dilemma would imply, even if the recently announced tariffs on steel and aluminum stand and major partners do retaliate. Bottom Line: The lessons learned from studying the game of Prisoner's Dilemma suggest that investors should be legitimately concerned about an iterative "tit-for-tat" exchange of retaliation between the U.S. and its major trade partners if the Trump administration continues to pursue aggressively protectionist trade policies. No Help From The Domestic Economy A protectionist agenda from the U.S. is also coming at an inconvenient time for Chinese policymakers, even if they were not blindsided by the move. Policymakers already have to contend with managing the impact of renewed reforms on economy's financial and industrial sectors, and the potential addition of the external sector to this list of problems needing attention is unwelcome. While a cooling of the economy was an inevitable result from the government's deleveraging campaign and shadow banking crackdown, Table 2 highlights how broadly leading economic indicators have decelerated. The table presents recent data points for several series that we identified in November Special Report as having leading properties for the Chinese business cycle,2 as well as the most recent month-over-month change, an indication of whether the series is currently above its 12-month moving average, how long this has been the case. Table 2No Convincing Signs Of An Impending Upturn In China's Economy Among the components of the BCA Li Keqiang Leading Indicator (an index designed to lead turning points in the Li Keqiang index), all six series are in a downtrend and 5 out of these 6 fell in January (the growth in M2 was the exception). A similar story is borne out in the housing price data, with a variety of diffusion indexes having also fallen in January.3 The Caixin Manufacturing PMI remains the one bright spot, having recently risen above its 12-month moving average and having risen in January, in stark contrast to the official PMI (which fell a full point). But as Chart 6 highlights, following the last four episodes when the Caixin PMI exceeded the official PMI by this magnitude, the subsequent trend in the average of the two was down in every case. The implication is that the outlier nature of the current Caixin PMI shown in Table 2 is just that, and not a heralding a major upturn in China's economy. Chart 6The Caixin PMI Is Probably The Noise, Not The Signal Bottom Line: Recent data releases show that the ongoing economic slowdown continues. While the Caixin manufacturing PMI is a bright spot, it is not likely heralding a major turning point for the Chinese economy. Conclusions For Investment Strategy Chart 7 illustrates the decision tree for Chinese stocks that we presented in our first report of the year. While there has been a modest further deterioration in the industrial sector, the pace of the decline is still consistent with the controlled slowdown scenario that we outlined in an October Weekly Report.4 As such, the recent softness in the data is not significant enough to cause us to change our recommended investment strategy. The key change over the past week has been the threat posed by U.S. protectionism to the global economy, which is the very first question to answer in our decision tree. The now high-beta nature of the Chinese stock market underscores that U.S. protectionism can significantly (negatively) impact the relative performance of Chinese equities if it destabilizes the global stock market, even if Chinese exports were to emerge from the exchange relatively unscathed. For now, we judge the likelihood of a full-blown tit-for-tat trade war to be a risk, and thus not a probable event. For now, market participants seem to agree: U.S. and global equities rebounded earlier this week in response to a feeling that the negative repercussions for global growth are likely to be minimal. Nonetheless, this is a risk that needs to be monitored closely, and to facilitate this our Geopolitical Strategy service has highlighted the following three bellwethers that they will be watching in order to judge the likelihood of a major escalation:5 Chart 7The Chinese Equity "Decision Tree" Tariff exceptions for allies: Given the national security basis for the steel and aluminum tariffs, it is likely that exceptions will be made for allies such as Canada and Europe. If yes, then the measure is unlikely to be part of a truly "America First" mercantilist strategy and is instead a veiled swipe at China to satisfy Trump's base ahead of the midterm elections NAFTA: Our geopolitical team has argued that the probability of NAFTA abrogation is around 50%.6 If the administration continues the negotiations in light of tariff announcements, however, it suggests that the revealed preference of the White House is less protectionist than it appears. Chinese intellectual property (IP) theft: The Trump administration is investigating Chinese technology transfer and IP theft under Section 301 of the Trade Act of 1974. If China is found to have acted unfairly, penalties would likely include a combination of tariffs and restrictions on Chinese investment in the U.S. This might include an indemnity for cumulative losses from past violations, which would be rare, if not unprecedented, and which China would reject outright. This could produce across-the-board tariffs of a sort that the U.S. has not imposed since the Nixon shock. Chart 8China Is Outperforming Global In Ex-Tech Terms In the meantime, Chart 8 highlights that investable Chinese ex-technology stocks (proxied by the MSCI China Index ex-technology) remain in an uptrend versus their global peers, which underscores that investors should have a high threshold for reducing exposure to China. This underscores that investors should have a high threshold for reducing exposure to China. While the ongoing slowdown in China's economy is likely to cause earnings growth to decelerate over the coming year, the continued likelihood of decently positive earnings growth coupled with a sizeable valuation discount relative to global signals that Chinese ex-tech stocks are remain attractive on a risk/reward basis. Investors should stay overweight. Bottom Line: Investors should closely watch three bellwethers to judge the likelihood of a full-blown global trade war. Barring a major deterioration on this front, or a sharp further slowdown in Chinese economic growth, investors should stay overweight Chinese ex-tech stocks vs global. Jonathan LaBerge, CFA, Vice President Special Reports jonathanl@bcaresearch.com 1 "Effective Choice in the Prisoner's Dilemma" and "More Effective Choice in the Prisoner's Dilemma" by Robert Axelrod, The Journal of Conflict Resolution, Vol. 24 Nos.1 and 3, March and September 1980. 2 Please see China Investment Strategy Special Report, "The Data Lab: Testing The Predictability Of The Chinese Business Cycle", dated November 30, 2017, available at cis.bcaresearch.com. 3 However, as discussed in our February 8 Weekly Report, we are keeping an eye on residential floor space sold given its history of leading China's housing market cycles. 4 Please see China Investment Strategy Weekly Report, "Tracking The End Of China's Mini-Cycle", dated October 12, 2017, available at cis.bcaresearch.com. 5 Please see Geopolitical Strategy Special Report, "Market Reprices Odds Of A Global Trade War", dated March 6, 2018, available at gps.bcaresearch.com. 6 Please see BCA Geopolitical Strategy Special Report, "NAFTA - Populism Vs. Pluto Populism", dated November 10, 2017, available at gps.bcaresearch.com. Cyclical Investment Stance Equity Sector Recommendations
Special Report We boosted the financials sector heavyweight S&P banks index to overweight on May 1, 2017,1 and in late-November we also included it in our 2018 high-conviction overweight list. Since last May, relative performance has added considerable alpha to our portfolio, to the tune of 10 percentage points. Currently the S&P banks index is also leading the pack on our 2018 high-conviction call list.2 Nevertheless, the recent steep selloff in the bond markets that actually commenced in September when the 10-year U.S. Treasury yield troughed near 2.05%, compels us to revisit our overweight exposure in the S&P banks index and gauge if there is any "gas left in the tank". In short, our analysis suggests that while banks have been stellar performers, there is still more upside left before we pull the trigger and book handsome profits for our portfolio. Below are our top 10 reasons why we still like banks, despite the recent run-up in relative share prices. Volatility comeback assisting bank profits and valuations. When the Fed injects liquidity and drops interest rates, and during the last cycle also embarked on quantitative easing, volatility takes the back seat (Chart 1). Now that the Fed has started to unwind its balance sheet and also mop up liquidity by lifting interest rates, volatility is springing higher. In other words, the Fed had successfully suppressed volatility for the better part of the past decade, but VIX prints below 10 were clearly not sustainable. Keep in mind, that not only equity market vol, but also FX, commodity and bond volatilities are all on the rise. Fixed income, currencies and commodities (FICC) trading revenues are directly linked to rising volatility and the implication is that this return of vol will boost bank FICC trading profits. Further, volatility has historically been an excellent leading indicator of relative bank valuations and the current message is positive (Chart 2). Chart 1VIX 'The Comeback Kid'... Chart 2...Is Bullish For Banks Accelerating price of credit. Higher interest rates is one of BCA's key themes for 2018 and the selloff in the bond market still has a ways to go. Hitting the 3.25% mark on the 10-year Treasury yield sometime this year would still not constrict the U.S. economy. Roughly 125bps of tightening in a short time span is how much the U.S. economy can withstand, according to recent empirical evidence (November 2010 to February 2011, taper tantrum May 2013 to July 2013 and July 2016 to Dec 2016, Chart 3A), before fanning recession fears as both housing and consumer spending get affected. Any selloff in the 10-year Treasury bond market beyond 3.25% would likely prove restrictive versus being reflective of ebullient growth, but we still remain 40bps shy of that level. Thus, this rising price of credit backdrop bodes well for bank profits and is a harbinger of further stock outperformance (top panel, Chart 3B). Chart 3AThe Rule Of 125bps... Chart 3B...Says Stick With Bank Exposure Pristine credit quality. The unemployment rate keeps on plumbing new cycle lows at a time when unemployment insurance claims are also probing all-time lows, and wages are on the cusp of breaking out of their multi-year lull. Full employment is synonymous with excellent credit quality. The implication is that non-performing loans will remain downbeat as a percentage of total loan books (Chart 4). The latest FDIC QBP released last week also confirmed that credit quality remains pristine. Upbeat credit growth prospects. While bank credit growth ground to a halt in 2017, following a doubling in the 10-year Treasury yield in the back half of 2016, the economy has since digested this massive tightening in credit conditions. We expect the budding recovery in loan growth to gain steam as the prospects for most loan categories are upbeat (commercial real estate is the sole sore spot). First, the capex upcycle should boost the appetite for C&I loan uptake and our overall U.S. commercial banks loans and leases model is firing on all cylinders (second panel, Chart 5). Second, animal spirits revival is lifting both business and consumer confidence on the back of the recent tax bill passage and overall easing in fiscal policy. The upshot is that loan demand is on a solid footing (third panel, Chart 5). Third, residential real estate (second largest loan category behind C&I loans) price inflation has reaccelerated of late. The home equity rebuild is ongoing and job certainty coupled with the recent uptick in wage inflation suggest that more housing related gains are in store (top panel, Chart 6). Finally, the high yield bond market is flashing green. Historically, narrowing junk spreads underpin loan growth albeit with a slight lag, and vice versa. Why? Tight spreads reflect a euphoric, "risk on" phase typical of later cycle stages when loan growth usually shifts into higher gear as businesses seek to expan Currently, near-cycle lows in the high yield OAS is signaling that loan origination will surge in 2018 (second panel, Chart 6). Chart 4Excellent Credit Quality Chart 5Loan Model Is Flashing Green Chart 6House Price Inflation Is Another Positive EPS growth model flashing green. The bottom panel of Chart 7 introduces our U.S. banks profit growth model and it is humming, reflecting this steadily improving credit growth backdrop. Our model suggests that bank EPS growth euphoria will easily surpass the 20% SPX earnings growth hurdle that we are penciling in for calendar 2018 (please refer to Charts 2 & 3 from the February 5th "Acrophobia" Weekly Report). Stock outperformance follows earnings outperformance and this cycle will prove no different. Dividend payout increases. This past summer marked the first time since the GFC that all examined banks passed the Fed's extremely stringent stress tests with flying colors. As a result, the Fed allowed banks to bump dividend payouts. Chart 8 shows that the dividend payout ratio has more room to run and we expect dividend growth to reaccelerate in 2018. Chart 7Bank Profits Are ##br##On A Solid Footing Chart 8Pent-Up Demand For ##br##Shareholder Friendly Activities Pent up buyback demand getting unleashed. In late-June of 2017 the Fed also allowed banks to reinstate buybacks as a result of the passing grade on the stress tests. If there is any sector with pent up equity buyback demand, banks fit the bill. Over the past decade, banks have been net issuers of equity as a result of the massive equity raisings during the GFC. The pendulum has now swung the opposite way and net equity retirement will be a boon to bank EPS. In sum, shareholder friendly activities should raise the appeal of owning banks. Best capitalized banking system in the world. From a global perspective, U.S. banks are the best capitalized banks in the G10. Unlike Japan in the 1990s and the Eurozone in the 2010s the U.S. was quick and forceful in recapitalizing the banking sector during the GFC. As Jamie Dimon once quipped about a "fortress balance sheet", Chart 9 corroborates that the U.S. banking system is on a solid footing especially compared with the rest of the G10 that has yet to fully wring out the GFC-related excesses. Thus, foreign flows will likely continue to chase U.S. banks in global equity portfolios. Dodd-Frank regulatory relief. The Dodd-Frank Wall Street Reform and Consumer Protection Act has been acting as a noose around banks' necks above and beyond the Basel III international regulatory framework for banks. The Trump administration is fighting to cut red tape and roll back regulations. Even a modest rethink and relaxation of the Dodd-Frank Act would go a long way in allowing banks to do what they do best: lend. Banks remain a big buyer of risk free and quasi risk free government paper, to the tune of $2.5tn (Chart 10). There is scope for some reshuffling of this asset mix, at the margin, away from the risk free asset and toward corporate and other credit origination. While this may seem somewhat contradictory to the eighth point, we doubt the "Volcker rule" will be fully reversed and entice banks to take similar risks leading up to the GFC and jeopardize the integrity of the U.S. banking system. Compelling valuations. Both on a relative price-to-book and relative forward P/E basis, banks look appealing. While during the GFC banks were correctly trading at a discount to the market's multiple reflecting ailing earnings prospects, now 10 years onward, a discount is no longer warranted. In fact, bank ROE has made a slingshot recovery, although it remains below the previous two cyclical peaks, underscoring that a relative valuation rerating is still in the cards. The S&L crisis of the late-1980s/early-1990s is the closest recent parallel to the GFC, and back then relative valuations played catch up to ROE only in the late 1990s. If history at least rhymes, there are high odds of excellent value getting unlocked before the next recession hits (second panel, Chart 11). Chart 9The U.S. ##br##Leads The Pack Chart 10Room To Reshuffle ##br##Asset Mix Chart 11Catch Up Phase In##br## Relative Valuations Looms Bottom Line: We reiterate the high-conviction overweight in the S&P banks index. The ticker symbols for the stocks in this index are: BLBG: S5BANKX - WFC, JPM, BAC, C, USB, PNC, BBT, STI, MTB, FITB, CFG, RF, KEY, HBAN, CMA, ZION, PBCT. Anastasios Avgeriou, Vice President U.S. Equity Strategy anastasios@bcaresearch.com 1 Please see BCA U.S. Equity Strategy Weekly Report, "Girding For A Breakout?" dated May 1, 2017, available at uses.bcaresearch.com. 2 Please see BCA U.S. Equity Strategy Weekly Report, "2018 High-Conviction Calls," dated November 27, 2017, available at uses.bcaresearch.com. Current Recommendations Current Trades Size And Style Views Favor value over growth. Stay neutral small over large caps (downgrade alert).
Highlights We re-examine our Yield and Protector portfolios to find out which assets will hold up best if there is a material correction. Our tactical view on gold is neutral, but the risk in gold prices will remain skewed to the upside this year. Are tariffs on aluminum and steel the start of a trade spat or a trade war? Feature Fears of a trade war and a hawkish tone from Fed Chair Jay Powell at his first Humphrey Hawkins testimony to Congress pushed the U.S. equity market lower last week. The ten-year Treasury yield barely budged however, buffeted by a more hawkish Fed on one side and a trade-induced slowdown in global growth on the other. The dollar was modestly higher last week, but oil and gold prices moved lower. The S&P 500's 4% loss in February was the worst single month since October 2016 and worst February since 2009. Both investment-grade and high-yield credit spreads widened last week, and have yet to return to their late January lows. Moreover, at 22, the VIX remained elevated relative to start of the year, consistent with our view that markets have entered a more volatile, late-cycle phase. With the 2.8% run-up in the S&P 500 since the February 8 low, investors are less concerned that the early February pullback in risk assets was a signal that the equity bull market is over and a recession is right around the corner. Nonetheless, some clients with a more strategic outlook are considering paring back risk now. Others want to know how to protect gains while still participating in the bullish tone for the market BCA expects in the next 12 months. Our Yield and Protector portfolios might provide a way for investors to protect against the downside while still participating in the S&P 500. Preparing For A Pullback BCA recommends investors stay overweight on equities and U.S. spread product, but expects that positions should be moved to neutral later this year and then to underweight sometime in 2019.1 Long-term investors should already consider paring back their exposures to both asset classes given that valuations are stretched. We have periodically recommended that a variety of investments be added as portfolio "insurance" to help guard against a material correction in equities. We recently highlighted two forms of insurance: our Yield and Protector Portfolios. We introduced the Yield Portfolio in October 20142 and first discussed the Protector Portfolio in October 2015.3 This week, we revisit the issue by comparing both portfolios with a more common form of insurance: shifting from cyclical to defensive stocks within an equity allocation. The Yield Portfolio (YP) emphasizes "high quality carry", along with some protection via TIPS (25% of the Portfolio), if inflation begins to surprise on the upside after investors are conditioned to expect only deflation shocks. The YP performs well in an environment of slow nominal growth, no recession and gradual interest-rate hikes. On the other hand, the Protector Portfolio (PP) is designed to provide insulation against both deflationary (gold and trade-weighted dollar) and inflationary (TIPS) tail risks. Therefore, the PP may underperform risk assets for a time if tail risks keep receding. Still, it has done well during the equity rally and conservative investors should consider adopting it. As discussed in the section below, our tactical view on gold is neutral, but the BCA Commodity & Energy Strategy notes that the risk in gold prices will remain skewed to the upside this year. Charts 1, 2, and 3 show a breakdown of the relative performance of S&P 500 defensives along with our Yield and Protector Portfolios. Panels 2 and 3 of Charts 1, 2 and 3 present the rolling one-year beta and alpha of each strategy versus the S&P 500. Alpha is presented as the difference between the actual year-over-year excess return of the portfolio (versus short-term Treasury bills) and what would have been expected given the portfolio's beta. This measure is also referred to as "Jensen's alpha." Chart 1S&P 500 Defensives##BR##A Modestly Low Beta Option Chart 2A Lower Beta##BR##Than Defensives Chart 3A Beta Near Zero,##BR##And Positive Alpha Based on the historical beta of the three portfolios versus the S&P 500, defensive stocks are the most correlated with the overall equity market. Our PP had a negative correlation to the broad market until earlier this year, when it turned slightly positive. BCA's YP is somewhere in between, with a positive but relatively low beta. This is consistent with the equity composition of the three portfolios (shown in Table 1). Note that our protector portfolio is composed entirely of non-equity assets. Table 1A Breakdown Of Three##BR##Portfolio Insurance Options After accounting for their lower betas, all three portfolios have outperformed the S&P in risk-adjusted terms since the onset of the global economic recovery. However, the three portfolios have experienced a relative decline versus the S&P 500 since Trump's election. This has occurred due to passive rather than active underperformance. In other words, they have underperformed because they failed to keep up with the S&P 500 rather than because of losses in absolute terms. We draw two important conclusions from Charts 1, 2 and 3 for U.S. multi-asset investors. First, the lower beta of our YP and PP compared with S&P defensives means that the former represent a better insurance against a sell-off in the equity market rather than the latter. Secondly, the persistently positive volatility-adjusted returns for our insurance portfolios highlights an investor preference for these assets in the past few years. However, since late 2017 when investors began to significantly upgrade the prospects for global growth and U.S. corporate profits, all three portfolios struggled to outperform the S&P 500 on a risk-adjusted basis. BCA's forecast implies that these portfolios may continue to struggle in the next year or so. For now, our investment bias towards equities over government bonds makes us less inclined to favor a low beta position within a balanced portfolio. Our analysis suggests that clients who anticipate the need for portfolio insurance in the coming year should back our YP and PP over a defensive-sector allocation. We would likely extend this recommendation to all clients if there is any material progression towards the sell-off triggers identified in the Bank Credit Analyst's February 2018 publication.4 Bottom Line: Investors seeking protection against a potential equity market sell-off should look to our Yield and Protector Portfolios over defensive-sector positioning. We do not currently recommend these portfolios for all clients, but we may do so if our key sell-off triggers are breached. Gold Bugged Our tactical view on gold is neutral, but the BCA Commodity & Energy Strategy notes that the risk in gold prices will remain skewed to the upside this year. The yellow metal is supported by increasing inflation and inflation expectations, heightened geopolitical risks and greater volatility in equity markets.5 However, the higher inflation and inflation expectations will be countered by Fed rate hikes, which will boost the U.S. dollar and lift real rates in our base case. Strategically, we expect that gold will provide a good hedge against any downturn in equities when the bull market turns bear in 2H19. Chart 4 shows that the price of gold in real terms is still very expensive. On a nominal basis, gold is at the top end of a trading channel initiated in early 2012 (Chart 5). There has been a significant gap between the model value and the actual price of gold for the past four years. The real price of gold remains elevated, although inflation has been well contained. Chart 4Model Suggests Gold Is Overvalued Chart 5Testing Top End Of A Downward Channel However, the macro environment BCA envisions for 2018 is also supportive for gold (Table 2). Gold tends to perform well when oil prices rise and as the 2/10 Treasury curve steepens. Moreover, gold prices tend to go up when the U.S. economy benefits from fiscal thrust and tax cuts. Furthermore, the soundings on the February ISM manufacturing index support higher gold prices. When the headline index is above 60 as it was in February (60.8), gold climbs by an average of 31%. Even 12 months after ISM is above 60, gold returns are over 20%. The elevated level of ISM new orders (64.2) and price (74.2) indices in February also suggest solid increases for gold. Finally, gold prices climb in the late stages of an economic expansion, such as the current one that began in 2009.6 Even so, our 6 to 12-month view on gold is that it will take its cues from Fed policy and policy expectations. The Fed is not behind the curve on inflation, and inflation expectations and measured inflation remain low. Our CPI and PCE models (Chart 6) show only a modest acceleration in inflation by year-end, which will be sufficient to keep the Fed on track this year as it continues to shrink its balance sheet and boost rates four times. Thus, there is no pressing need to hold gold as a hedge against inflation in the next year. Nonetheless, for those investors too concerned about a pullback that turns into a correction or a bear market, we note that gold has a 33% weight in our Protector Portfolio. Table 2Favorable Macro Backdrop For Gold Chart 6BCA's Inflation Models Show Only##BR##Modest Acceleration Through Year-End Bottom Line: Gold is expensive in real terms relative to a set of fundamentals that have explained its real price since 1970. However, it may have a better value on a strategic basis or as part of a portfolio designed to protect against falling equity prices. Moreover, our macro backdrop forecast for the next 12 months supports higher gold prices. Keep gold as a strategic portfolio hedge. Trade Off BCA's Geopolitical Strategy team has long argued that two sources of geopolitical risk this year are China's trade surplus and Trump's position on trade relations with China, Canada and Mexico. Specifically, the view is that weak poll numbers may lead Trump to trigger trade disputes with important trading partners such as China, Mexico and Canada. However, our geopolitical analysts also point out that investors should not confuse a trade spat with a trade war. There are very few legal or constitutional constraints on Trump over trade issues (Table 3). It will be his decision whether to adopt sweeping tariffs (trade war) as opposed to a more targeted approach (trade spat). Clearly, the former is more disruptive and raises more uncertainty, so this is the key distinction to keep in mind. Presidents Nixon, Reagan, Bush (II) and Obama all imposed temporary tariffs on items (including steel and aluminum, and including by citing national security concerns) without triggering a trade war. Late last week, Trump indicated that he would announce tariffs on steel and aluminum this week. He implied that he would go for a broad-based approach of penalizing all steel and aluminum imports, which points toward the more aggressive approach. But the details (whether he exempts U.S. allies and partners or narrows the scope of goods) will not be certain until he issues his official proclamation. Table 3Trump Faces Few Constraints On Trade Steel and aluminum get the headlines, but account for only a small share of U.S. trade and GDP7 (Chart 7). BCA is more concerned about the Administration's stance on more deeper issues, like the WTO, NAFTA, or (in China's case) intellectual property and state-owned enterprises.8 The issues here are harder to quantify, have few precedents, and have more structural and ideological issues which are at stake. The U.S. has a massive trade surplus in services and in intellectual property,9 so a prolonged disruption would pose a serious threat to the U.S. economy, at least in the short term. Trump's decision on intellectual property trade with China is due on August 12, but could occur earlier. BCA's stance on U.S.-China relations is bearish in the long run.10 We place high odds on an eventual trade war, but the timing is a tougher call. Investors should not view China's proportional retaliation on an item-by-item basis as the start of a trade war. BCA's view is that China's leadership will try to offer reforms and investment opportunities to pacify Trump. However, there is a risk either that China offers no reforms (in which case Xi Jinping's rampant Communism exacerbates trade conflicts) or that Trump may introduce broad sweeping measures that give China no choice but to respond in kind, leading to a trade war. Our Geopolitical Strategy service notes that the probability of Trump abrogating NAFTA is as high as 50%. The seventh round of NAFTA talks concludes this week; an eighth round is scheduled for late March. Negotiations could drag on right to the Mexican election on July 1, but if they are not looking more optimistic by this spring then the risk of the U.S. (or Mexico) walking away will rise. The U.S. economy has been largely unaffected by NAFTA and would likely experience no disruption if Trump abrogated the deal and began negotiations on bilateral trade agreements with Canada and Mexico (Chart 8). Chart 7Steel And Aluminum In Perspective Chart 8U.S. Economy: Largely Unaffected By NAFTA Bottom Line: Elevated trade tensions with China,11 Canada and Mexico are near-term risks to global growth. From now through April could be a decisive time for the Trump Administration with China and NAFTA. We are bearish on U.S.-China relations in the long term. If Trump abandons NAFTA, the implications for the U.S. economy would be muted, although U.S. inflation may push higher. Such a decision would also send a clear signal to other key U.S. allies. However, if Trump stands by NAFTA, then it signals that he has sided with the establishment on trade. This would be bullish for risk assets and would lower geopolitical risk premia. John Canally, CFA, Senior Vice President U.S. Investment Strategy johnc@bcaresearch.com Matt Gertken, Associate Vice President Geopolitical Strategy mattg@bcaresearch.com 1 Please see BCA Research's Global Investment Strategy Weekly Report, "The Next Recession: Later But Deeper," published February 23, 2018. Available at gis.bcaresearch.com. 2 Please see BCA Research's U.S. Investment Strategy Weekly Report, "Ice Storm", published October 20, 2014. Available at usis.bcaresearch.com. 3 Please see BCA Research's U.S. Investment Strategy Weekly Report, "A Tenuous Relief Rally", published on October 12, 2015. Available at usis.bcaresearch.com. 4 Please see BCA Research's Bank Credit Analyst Monthly Report, February 2018. Available at bca.bcaresearch.com. 5 Please see BCA Research's Commodity & Energy Strategy Weekly Report, "Gold Still Shines Despite Threat Of Higher Inflation", published February 1, 2018. Available at ces.bcaresearch.com. 6 Please see BCA Research's U.S. Investment Strategy Weekly Report, "The Late Cycle View", published October 16, 2017. Available at usis.bcaresearch.com. 7 Please see BCA Research's Commodity & Energy Strategy Weekly Report, "Global Aluminum Deficit Set To Ease", published March 1, 2018. Available at ces.bcaresearch.com. 8 Please see BCA Research's Geopolitical Strategy Weekly Report, "America Is Roaring Back", published January 31, 2018. Available at gps.bcaresearch.com. 9 Please see BCA Research's U.S. Investment Strategy Weekly Report, "Can The Service Sector Save The Day?", published June 5, 2017. Available at usis.bcaresearch.com. 10 Please see BCA Research's Geopolitical Strategy Weekly Report, "Trump, Day One: Let The Trade War Begin", published January 18, 2017. Available at gps.bcaresearch.com. 11 Please see BCA Research's Geopolitical Strategy Weekly Report, "Politics Are Stimulative, Everywhere But China", published February 28, 2018. Available at gps.bcaresearch.com.
Special Report We examined emerging market equity valuations as an asset class in Part 1 of this Special Report published on January 24; the link is available on page 18. The conclusions of the report were: That EM stocks are about one standard deviation above their fair value; Compared with DM equities, EM stocks are not cheap - their relative valuations are neutral. This follow-up report looks at individual country valuations to identify valuation opportunities within the EM equity universe. Composite Multiples Indicator (CMI) The Composite Multiples Indicator is an equal-weighted average of the following multiples: Trailing P/E ratio Forward P/E ratio Price-to-cash earnings (PCE) ratio Price-to-book value (PBV) ratio Price-to-dividend ratio. As we have argued for some time, looking at market cap-weighted equity valuation ratios for EM indexes is misleading. The basis is that some large-cap-weighted sectors optically look cheap for distinct reasons - including but not limited to low NPL provisions for banks, poor corporate governance among SOEs and high cyclicality and uncertainty over the outlook for commodities prices for energy and materials companies. Moreover, other segments such as certain technology stocks and private well-run companies command extremely high multiples. Therefore, as in Part 1, we focus on various valuation measures that are not market cap-weighted. Specifically, for each country's available sub-sectors, we calculate the following measures for each of the five multiples referred to above: 20% trimmed-mean ratio - this excludes the top 10% and bottom 10% sub-sectors - i.e., it removes outliers and then calculates an equal-weighted average. Median ratio takes the median value of sub-sectors; Equal-weighted ratio assigns an equal weight to each sub-sector regardless of market cap. Then, we standardize individual aggregates - the 20% trimmed-mean, the median and equal-weighted sub-sector ratios. Based on these three aggregates, we compute a Composite Multiples Indicator (CMI) for each country. Chart I-1 demonstrates the ranking of equity markets according to CMI. Based on these aggregate CMIs, India, Indonesia, the Philippines, Thailand and Chile are the most expensive, while Russia, Turkey, Colombia, Korea and Mexico are the cheapest. Chart I-1Equity Valuation Ranking Based On Multiples Appendix 1 on page 14 shows the aggregate CMI for the largest EM bourses in absolute terms. Among the above-mentioned five ratios, the most critical one in our opinion is the price-to-cash earnings. MSCI defines cash earnings as earnings per share including depreciation and amortization as reported by the company - i.e. depreciation and amortization expenses are added to calculate cash earnings. While this measure is not pertinent for banks, for non-financial companies it is the best proxy measure of operating cash flow. Hence, cash earnings are a superior measure of earnings power. Notably, when calculating the median, 20% trimmed-mean and equal-weighted ratios for all sub-sectors, the impact of banks is largely eliminated, as banks are just one sub-sector among about 50 others. Table I-1Ranking Based On Price-To-Cash ##br##Earnings Ratio The point is not that banks are unimportant, but rather that bank valuations should be dealt with separately. We reiterated the importance of banks and their profits in the EM universe and discussed why in certain EM countries banks' reported profits should be taken with a grain of salt in our February 14, 2018 Weekly Report; the link is available on page 18. Banks, somewhat more than other businesses, can substantially manipulate their profits by raising or lowering provisions for bad assets, leaving current multiple levels misleading. Table I-1 shows the ranking based on the average price-to-cash earnings ratio. According to this ranking, the most attractive markets are Poland, Russia, the Czech Republic, Turkey, Hungary and Korea. By contrast, the least attractive are India, Indonesia, the Philippines, South Africa, Brazil and China. A CMI can be thought of as a cyclical valuation measure, while the cyclically adjusted P/E (CAPE) ratio is a structural valuation measure. Investors with time horizons longer than three years should put meaningful weight on CAPE ratios. The latter is, however, not useful for investment horizons that are 12-18 months or less. The CAPE ratio is a structural valuation indicator because it derives the secular trend in corporate earnings and computes the P/E ratio based on the latter. Hence, the cyclical earnings trajectory is ignored. In contrast, CMIs do not incorporate such an adjustment. Hence, they can be considered as a cyclical valuation measure. By combining cyclical (CMI) and structural (CAPE) valuation measures, we produced Chart I-2. It plots each country's CAPE ratio on the X axis and CMI on the Y axis. According to these metrics, Russia, Turkey, Korea, Colombia and Mexico are cheap. On the flip side, India, Thailand, the Philippines and Indonesia are expensive. Chart I-2Cyclical Versus Structural Valuation Ratios Adjusting Multiples For Local Interest Rates Equity multiples differ across countries because of a variety of factors. One of the most crucial factors defining the equilibrium of equity multiples are domestic nominal interest rates. Chart I-3 plots local currency government bonds on the X axis and the latest values for CMI on the Y axis. As expected, there is a loose inverse relationship between bond yields and equity multiples: lower bond yields are typically consistent with relatively higher multiples, and vice versa. Chart I-3Composite Multiples & Local Interest Rates The bourses that falls outside the main cluster can be regarded as being out of equilibrium valuation. The markets that fall into the left-bottom corner of the chart are relatively cheap. These include Russia, Korea, Taiwan, Central Europe, Malaysia, Colombia and Mexico. On the other end of the spectrum, India, Indonesia, the Philippines, Brazil and South Africa stand out as expensive. As we argued above, the price-to-cash earnings ratio is somewhat superior to other multiples. This is why another useful matrix to consider is the comparison of the average price-to-cash earnings ratio with nominal local bond yields, as shown in Chart I-4. According to these metrics, central European bourses are among the cheapest. Russia, Korea, Taiwan, Thailand and Malaysia are also attractive. Chart I-4Price-To-Cash EPS & Local Interest Rates Finally, taking into account both price-to-cash earnings ratios and nominal domestic bond yields, the most expensive equity markets are India, Indonesia, the Philippines, South Africa and Brazil. Investment Conclusions Valuation of any asset class is an art rather than science. Having examined various cyclical and structural equity valuation measures and having incorporated local interest rates, we can draw the following conclusions: Chart I-5EMS's Fully-Invested Equity Portfolio ##br##Performance Versus The Benchmark Within the EM equity universe, Russia, central Europe and Korea stand out as the cheapest. There is also relative value in Turkey, Colombia and Mexico. India, Indonesia and Philippines are the most expensive markets. South Africa and Brazil are still somewhat expensive. Neutral valuations prevail in China, Taiwan, Peru and Chile. In China, the cheapness of banks is offset by elevated valuations of technology/new economy stocks. Our recommended country allocation within EM equities takes into consideration not only valuations but also many other parameters such as cyclical and structural outlooks for each economy, macro policies, banking system health, politics, currency and interest rate trends and other factors that we have visibility on. As such, we might recommend underweighting some markets that may look cheap, and overweighting others that appear expensive because of factors other than valuation. Our current overweights are Taiwan, Korean technology, Russia, central Europe, India, Thailand and Chile. Our underweights are Turkey, Malaysia, Brazil, South Africa and Peru. We are neutral on China, non-tech Korea, Mexico, the Philippines, Colombia and Indonesia. Finally, Chart I-5 illustrates that our fully invested EM equity model portfolio has outperformed the EM benchmark by 57% since its initiation in May 2008. This translate into 450 basis points of compounded outperformance per year. More importantly, such outperformance has been achieved with very low volatility. Arthur Budaghyan, Senior Vice President Emerging Markets Strategy arthurb@bcaresearch.com Andrija Vesic, Research Assistant andrijav@bcaresearch.com Indonesia: Weighing The Pros And Cons Chart II-1Indonesian Stock Prices: ##br##Relative & Absolute Indonesian stocks have underperformed the emerging market (EM) equity benchmark considerably since early 2016, and may well be approaching the final stages of underperformance. Yet the jury is still out on the timing of a potential reversal (Chart II-1, top panel). In absolute U.S. dollar terms, Indonesian share prices are flirting with their previous highs, which will likely become a major resistance level (Chart II-1, bottom panel). Banks hold the key for this bourse, as they account for 40% of the MSCI Indonesia index and 27% of the Jakarta Composite Index. Their earnings also make up 48% of the MSCI index's total earnings. Indonesian bank share prices have rallied significantly in the past two years, but the underpinnings of this advance are questionable for reasons we elaborate on below. Cyclical Vulnerabilities... Indonesia's macro vulnerability arises from two sources: balance of payment (BoP) dynamics and banking system health. We will review the nation's BoP vulnerability only briefly, as we have frequently discussed the outlook for commodities prices, the U.S. dollar and fund flows to EM in our weekly reports. In short, we expect Chinese growth to decelerate meaningfully this year, which will likely cause commodities prices to fall significantly (Chart II-2). Falling commodities prices will in turn create headwinds for Indonesia. Notably, commodities account for around 35% of Indonesia's total exports. Chart II-3 further illustrates that changes in Indonesia's trade balance have historically been correlated with swings in its equity market. Chart II-2Indonesia's Coal Exports ##br##To China And Coal Prices Chart II-3Trade Balance Is ##br##A Threat To Share Prices We now explore the vulnerability of Indonesian bank stocks in greater detail. Banks: Dubious Profit Recovery While earnings of listed Indonesian banks have rebounded, this recovery is of poor quality and is likely unsustainable. This, along with banks' elevated equity valuations, make the outlook for their share prices negative. The top panel of Chart II-4 shows that banks' net interest income - a measure of a bank's ability to grow organically - has declined. This has occurred because bank loan growth has been sluggish and net interest margins have narrowed (Chart II-4, middle and bottom panel). Yet, banks have reported dramatic acceleration in profit growth in the past six months. This has been achieved through the lowering of non-performing loan (NPL) provisions (Chart II-5). Chart II-4Strong Bank Earnings: ##br##Not From Organic Growth... Chart II-5...But From Lowering Provisions Lowering provisions to boost profits is an unsustainable strategy for Indonesian banks, in our opinion. Chart II-6 shows that NPLs are too low when one considers the steep rise in leverage that has occurred since 2010. Chart II-6Private Credit Has Risen A Lot ##br##Since 2010, Yet NPLs Are Still Low Indonesian banks have benefited meaningfully from the rally in commodities prices in the past two years. Higher resource prices have not only slowed the formation of new NPLs but have also made some old NPLs current. However, if our negative view on commodities prices plays out, these loans may become non-performing again. Further, Indonesian commercial banks were also aided by the financial authority's (OJK) decision to relax credit restructuring rules in August 2015. This relaxation allowed banks to restructure some of the troubled loans on their balance sheets in a more favorable manner, allowing them to reduce provisions. The temporary relaxation expired in August 2017, and banks now have to revert to the previous and more rigorous methods of accounting for troubled loans. Altogether, the above developments will cause NPLs and provisions to rise anew. Importantly, the sum of NPLs and special-mention loans1 (SMLs) for Indonesia's largest seven banks stand at 6.6% (2.7% NPL + 3.9% SMLs). Taking India's experience as a roadmap for Indonesia, SMLs will ultimately become non-performing, and the workout of NPLs and SMLs could drag on for years. For example, the ratio of NPLs and stressed loans in India has now reached 12.2% of total loans for the whole banking system. We also believe Indonesian banks are under-provisioned. Provisions for bad loans at Indonesia's seven largest commercial banks stand at only 3.8% of total loans. In comparison, the sum of NPLs and SMLs makes up a 6.6% share of total loans. Odds are that Indonesian commercial banks will soon be forced to raise provisions, which will materially hit their profit growth. Chart II-7 shows that if banks in Indonesia were to raise provisions by 35% in 2018 - which would take them back to early 2017 levels - then banks' annual operating profit growth would drop from 21% to zero. This is a major threat to bank share prices.2 Chart II-7As Banks' NPL Provisions Rise, ##br##Bank Stocks Could Fall Furthermore, having rallied significantly in the past two years or so, Indonesian commercial banks' valuations are elevated. The price-to-book value (PBV) for the nation's banks that are included in the MSCI equity index stands at 2.8. Bottom Line: The recent profit recovery for Indonesia's commercial banks is unsustainable, and primarily driven by opportunistic reductions in provisions. ...But Room To Pursue Accommodative Policies Despite the cyclical challenges facing the Indonesian economy and banks, the authorities have accrued enough firepower that allows them to pursue counter-cyclical policies. First, Indonesia's central bank, Bank Indonesia (BI), used strong global growth and robust trade as an opportunity to accumulate foreign exchange reserves. This has provided BI with significant ability to defend the rupiah as and when it comes under depreciation pressure from slowing exports growth and potential capital outflows. Notably, BI has bought foreign exchange reserves more rapidly than the central banks of other vulnerable economies such as South Africa, Malaysia, Turkey and Brazil (Chart II-8). As a result, the rupiah has not appreciated at all in the past 12 months, and has lagged other EM currencies. We consider this a positive sign as there will be less downside risk if the external environment worsens and EM exchange rates depreciate. Second, the Ministry of Finance has curbed government spending in the past two to three years (Chart II-9) at a time when strong global growth and rising commodities prices have been supporting Indonesia's overall growth. Chart II-8Bank Indonesia's Foreign ##br##Reserves Accumulation Chart II-9Government Has Been Prudent Consequently, the government's deposits at both the central bank and commercial banks have been rising rapidly (Chart II-10). This will allow the government to increase its expenditures without resorting to new borrowing. Because of these counter-cyclical policies, especially tight fiscal policy, the domestic demand recovery has been very muted (Chart II-11). On the flip side, and going forward, if the government raises expenditures, Indonesian domestic demand will be relatively resilient - even as and when commodities prices fall. Low inflation will also allow the authorities to stimulate when needed. Chart II-10Government Has Substantial Firepower Chart II-11Domestic Demand Recovery Has Been Muted On the whole, counter-cyclical monetary and fiscal policies will offset some of the potential external shocks that will emanate from slowing Chinese growth and falling commodities prices. This is positive for Indonesia's relative stock market performance going forward. Investment Conclusions For now, we recommend maintaining a neutral allocation to Indonesian equities. One or a combination of the following will likely lead us to upgrade this bourse to overweight: First, as and when the initial phase of commodities price declines transpires, and commodities currencies depreciate. This is a primary risk, and we will be more comfortable upgrading Indonesia if this scenario partially plays out. Second, Indonesia's relative performance vis-à-vis EM appears to be inversely related to the relative performance of Chinese stocks against that same benchmark (Chart II-12). It is hard to find scientific or even intuitive arguments behind this relationship, but it seems that portfolio flows have been rotating between Chinese and Indonesian bourses. Chart II-12Investors Rotating Between Chinese ##br##And ASEAN/Indonesian Equities Given this relationship, we would be looking for Chinese stocks to begin underperforming and equity flows rotating to Indonesia to feel confident in the potential reversal of the latter's underperformance. In short, we will be looking at the market's momentum as confirmation of our view before upgrading this bourse. Last week we reviewed our recommended allocation to EM local bonds and advocated a neutral position in Indonesian domestic bonds. This strategy remains intact. Prudent macro policies will act to offset a potential external shock to the Indonesian currency and local bonds. Indonesian sovereign credit also warrants a neutral allocation at present, with a possible upgrade on potential spread-widening. For currency traders, we continue to recommend a long PLN / short IDR trade. This is a bet on rising inflation and interest rates in central Europe on the one hand, and a negative view on commodities and fund flows to EMs on the other. As a part of our strategy of betting on depreciation in EM/commodities currencies, we are also maintaining our short IDR/long U.S. dollar position. Ayman Kawtharani, Associate Editor ayman@bcaresearch.com 1 Special mention loans (SML) are stressed loans that are not yet non-performing. 2 Notably, annual provision growth averaged 40% between 2015 and 2016 when banks were facing declining commodities prices and rising NPLs. Appendix 1: Composite Multiples Indicators Chart III-1, Chart III-2, Chart III-3, Chart III-4 Chart III-1 Chart III-2 Chart III-3 Chart III-4 Equity Recommendations Fixed-Income, Credit And Currency Recommendations