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Thursday, May 24 2012

Business Blog - bankers digging holes

Credit Crunchers LogoWhy do bankers keep digging a hole for themselves?

They had a chance a year ago to dispel the widespread claim that they are money-grabbing, me-only materialists with no thought for anyone else.

Bosses could have got together informally to agree that none of them would pay any bonuses for the next few years - at least to their investment bankers. Counter staff should have been excluded from a bonus freeze.

The bailed-out banks should have been first in line.

But no, they continued to dole out the readies in obscene quantities, citing the old cliche that they would lose good staff if they did not.

That’s rubbish. And anyway it would not matter if they did. That’s the market.

Few nurses, teachers or workers in most other sectors get any bonus at all, let alone one of six or seven figures.

Asda workers are being paid an average of £250 for a good year. John Lewis partners also benefit from a share-out, but nothing like the scale of banks.

The finance sector has always paid more money than almost any other and has lost sense of scale. Remuneration committees are made up of people from the same surreal world. They are bound to approve, because those numbers come naturally to this privileged group.

Top bosses talk about donating or foregoing their bonus but that means nothing. If you earn a million or three, you can afford to miss one.

They should have taught a lesson to the young turks that greed is not acceptable, that they should be incentivised to make good profits by the thought of getting their banks out of hock and the economy back to health, both problems they helped to cause.

Utopian maybe, but it would have improved their image no end. No wonder banking has sunk so low in public esteem, lower perhaps even than traditional back-markers like MPs, estate agents and journalists!

Monday, March 01 2010

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  • The Coach wrote:

    Bankers Digging Holes

    Why vilefy the young turks who have bothered to get off their backside and make the most of their lives through a City career. The City is open to all and if you are good enough it is true that the rewards can be significant. But again what is wrong with that.

    City traders, analysts, risk takers and the like work under extreme pressure but even if we ignore that fact let me demonstrate the contribution they make not just to their own back pocket but to the Treasury (the British public) through their activities.

    Let us take Joe trader - salary around 70k per annum who is on a performance related bonus of 10% on any earnings he achieves over his base budget of say £5 million in revenue for his employer. Joe trader has a good year and achieves his budget and makes a further £2.5 million in revenue.

    Not only has he achieved a result well in excess of his salary and costs to his employer he has also generated some £2 million plus for the UK Treasury in Corporate Tax.

    His own bonus will be around £250k and it is that bonus that is causing so much concern but I say fair play - do it again next year.

    This is a very basic model but if you weigh all of the tax paid on salaries and bonuses by City risk takers over the last 20 years or so it makes the public bail out of some of our leading financial institutions look like a drop in the ocean.

    The recent global credit and banking crisis that has put a negative focus on the financial sector overall was bought about through irresponsible lending, the creation of toxic debt mountains that became unwindable and in many cases unintelligible, a lack of property supervisions and controls - all well beyond the remit of your typical young city turk who would not have been involved in such activity.

    The young turk is being unfairly targetted but if you would like a real target look to the regulators, senior management teams, board members and central government before heaping approbrium on the risk takers and market traders who have been at the coal face over the generations.

    03 Mar 2010 12:53 PM

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  • Greg wrote:

    Bank bonus

    I think it's a bit naive to compare bank workers to Asda staff. Bankers are motivated by making money, not stacking shelves, and bonuses play a vital part in ensuring they hit targets. It's the way of the world.

    02 Mar 2010 8:31 AM

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