Mortgage Activity “Remains Subdued”

For good or ill, the future financial prospects of the Irish sovereign depend in various ways on the future of the Irish property market, both via its purchases of NAMA property and its investment in banks with considerable mortgage books.

The Irish Bankers Federation report on the mortgage market (data here and press release here) paints a picture of a market that has almost completely collapsed. NAMAWineLake provides his customary high quality analysis here. I’d note that the series seem to have a seasonal pattern so comparisons of 2011:Q1 with peak may be a little misleading but even year-over-year comparisons paint a picture of a market in freefall. These figures also tie in pretty well with the figures from the new house price index from the CSO which showed a faster pace of price decline in the three months to March 2011 than had been seen since mid-2009.

Article for Eolas Magazine

Here is a short article on crisis resolution strategies that I wrote for Eolas magazine.   It was written before the debate over Morgan Kelly’s new resolution proposals.    The piece contrasts a Plan A — involving a phased fiscal and banking adjustment, offiical assistance to cover funding shortfalls, and absorption of significant banking losses — with a Plan B that has an earlier focus on debt reduction.   Morgan’s proposals — a Plan C? — combine immediate elimination of the borrowing requirement with eschewal of both official assistance and responsibility for bank losses.

Jean-Claude Trichet, 2004: “no design flaw in the euro project”

I mentioned on this site before how a number of academic economists, during the debate on whether Ireland should adopt the euro, referred to a design flaw that had been well recognised by US economists: the lack of a federal budget.

It was known that the Irish business cycle was out of sync with the eurozone core and that the timing of ECB interest rate changes would not be appropriate for Irish conditions. A large part of such asymmetries (or ‘region-specific shocks’) are offset in the US at the federal level: a $1 decline in US regional income relative to the national average induces a fall of around 25 cents in federal tax liabilities and an increase in inward transfers of about 10 cents.

Karl Whelan’s recent proposal re Irish bank debt was to federalise it. Morgan’s was similar to one I advocated recently on this site: monetize it. Both entail responsibility being shared at the federal (i.e. European) level.

Paul de Grauwe warned, as far back as 1999, that the “failure (to create a European government with similar responsibilities to present national ones) creates the risk of the break-up of the monetary union”.

I have just now stumbled on a speech made by ECB President Jean-Claude Trichet in Dublin in May 2004 which rejected claims of such a design flaw, as follows: “Moving to the second topic of my speech, i.e. fiscal policies, let me stress that we Europeans have been very bold in creating a single currency in the absence of a political federation, a federal government and a federal budget at the euro area level. Some observers were indeed arguing that without a federal budget of some significance the policy mix would be very erratic, depending on the random behaviour of the different national fiscal policies of the member countries. They were also arguing that without a federal budget it would be impossible to weather, with the help of the fiscal channel, asymmetric shocks hitting one particular member economy. In this respect, the very existence of the Stability and Growth Pact actually allows (us) to refute these two arguments: first, the Maastricht Treaty and the Pact provide a mutual surveillance by the “peers”- i.e. the Ministers of Finance – of national fiscal policies; second, by calling upon Member States to maintain their budget close to balance or in surplus over the medium term, the Pact allows the automatic stabilisers to play in full in countries facing an economic downturn, without breaching the 3 % ceiling for the deficit.”

The full text of Trichet’s speech is here.

Central Bank Balance Sheet April 2011

The Central Bank balance sheet for the end of April 2011 has been released. It shows a decline of €12.6 billion in the famous “Other Assets” category which is where the Bank’s ELA operations show up. It also shows a decline of €8 billion in lending under the Eurosystem umbrella. These are large declines for a one month period and it’s not clear how they came about, i.e. whether there was a large increase in deposits at the guaranteed banks, whether any new market funding was sourced (unlikely) or whether there were significant deleveraging deals involving selling off foreign loan books and using them to pay off central banks.

As Namawinelake notes, these questions will be clarified at the end of this month when the balance sheet of the guaranteed banks for April will be released. Certainly, the decline in emergency borrowing from central banks is welcome and is a first concrete sign that the March 31st announcements have had a positive effect on the health of the banking system.

Update: Thanks to Eoin and Lorcan for coming up with the real story. NTMA have deposited €19 billion in cash resources into the banks. Reuters have a story here while Lorcan had already figured it out. NTMA apparently couldn’t be bothered putting out a press release.  So all of the above out positive effects etc. is hereby withdrawn.

CSO House Price Index

The CSO have released a new house price index (press release here and data here). Analysis by Namawinelake here.