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...Canada, the Harper government is purchasing good assets from financial institutions, including TD Bank Financial Group and Royal Bank of Canada, with a low probability of default, and does not expect EFF to cost taxpayers a single penny...

Author: /time Magazine | Title: What Obama Can Learn From Canada on Bank Bailouts | 2/19/2009 | See Source »

...same is not true south of the border. Under the best-case scenario in the U.S., unsteady financial institutions will need to off-load toxic assets to Washington's "bad bank" in order to start rebuilding balance sheets. Others, like Citigroup and Bank of America, that are teetering on the brink of insolvency will need new capital just to remain on life support. (See 25 people to blame for the financial crisis...

Author: /time Magazine | Title: What Obama Can Learn From Canada on Bank Bailouts | 2/19/2009 | See Source »

...result, it's unlikely that any of the $1 trillion Obama wants for his "bad bank" will be turned into credit that helps revive business and consumer spending. The main reason is that the North-American economy might be stuck in a classic liquidity trap, first witnessed during the Dirty Thirties when banks began hoarding newly created liquidity as insurance against a further downturn. "The fact is that since the failure of Lehman Brothers every bank in the world has been concerned with beefing up capital to survive the next few years," says Lawrence Booth, a finance specialist...

Author: /time Magazine | Title: What Obama Can Learn From Canada on Bank Bailouts | 2/19/2009 | See Source »

...Canadian experience with EFF reinforces the U.S. experience with TARP: government loses control of stimulus money once it falls into the hands of recipients. Obama needs to be realistic about what the "bad bank" can accomplish - namely relieving banks of some junk assets at considerable cost to the taxpayer. It won't jump-start consumer lending - at least not in the foreseeable future if the lesson of Prime Minister Stephen Harper's experience is anything...

Author: /time Magazine | Title: What Obama Can Learn From Canada on Bank Bailouts | 2/19/2009 | See Source »

...early February, Treasury Secretary Timothy Geithner, as part of his bank fix, said he will "stress-test" the nation's largest financial firms to find out which ones are fit and which ones are flatlining, and then apply the appropriate therapy - which we assume means anything from injecting capital to pulling the plug. By using a medical term, Geithner gave the impression that he had some fiscal electrocardiograph that could be strapped to banks to chart the strength of their accounts. But when it comes to a bank checkup, the actual test is far less scientific. (Read "Geithner's Challenge...

Author: /time Magazine | Title: Can Your Bank Pass the Stress Test? | 2/19/2009 | See Source »

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