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Too Big to Fail

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Bye-Bye, Bad Loans, Hello Big Bank Stocks

Sometimes, size really does matter. During the financial crisis the US government declared that 19 financial institutions were systemically important, or “too big to fail.” And they backed it up with the $700B Troubled Assets Relief Program (TARP). As a result, those 19 institutions can now benefit from a view that they have an implicit US Government guarantee. That perception lowers their risk profile and borrowing costs, delivering an immediate implied subsidy of as much as $83 billion a year.[1] The six largest banks control 67% of all U.S. banking assets, and Bank of America accounted for about a third of all business loans by itself last year. If these institutions were “too big to fail” back in 2008, then now they may be “too colossal to collapse.” And that could be a gigantic advantage. See more
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Create your own customizable basket of up to 30 stocks or ETFs for just $9.95.
Motif Index 1 YR Return
Too Big to Fail Benchmark
With this Motif, you can buy the following basket of stocks for just $9.95:
Weight Segment & Stocks Symbol 1 MO / 1 YR Return
55.2% Retail Banks 0.0%
18.3% Wells Fargo & Company WFC 10.9%
15.0% U.S. Bancorp USB 6.3%
9.4% PNC Financial Services PNC 2.2%
6.6% BB&T Corporation BBT 8.1%
1.7% Capital One Financial Corporation COF 0.7%
1.1% Fifth Third Bancorp FITB 10.1%
1.0% SunTrust Banks Inc. STI 15.6%
1.0% Regions Financial Corporation RF 10.3%
1.0% KeyCorp KEY 4.9%
27.8% Financial Conglomerates 2.5%
15.1% JP Morgan Chase & Co. JPM 10.8%
5.5% American Express Company AXP 13.0%
4.9% Bank of America Corporation BAC 1.3%
2.3% Citigroup Inc. C 7.1%
8.2% Investment Banks 4.5%
5.6% Goldman Sachs Group Inc. (The) GS 7.1%
2.6% Morgan Stanley MS 0.8%
4.6% Insurance Providers 2.9%
3.5% American International Group Inc. New AIG 5.0%
1.1% MetLife Inc. MET 4.2%
4.2% Custodian Banks 2.3%
3.2% The Bank of New York Mellon Corp. BK 1.6%
1.0% State Street Corporation STT 4.4%

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