What is a credit writedown?

A credit writedown is a reduction in the value of an asset as it is carried on a company's balance sheet. As these losses must also be reflected on the income statement, credit writedowns result in massive losses.

Writedowns hit $500 billion

After RBS's writedowns on Friday, Bloomberg estimated that we have had nearly $500 billion in writedowns in the so-called 'sub-prime' crisis to date.Barclays, Britain's third-biggest bank, had first-half writedowns of 2.8 billion pounds, it…

I was wrong on inflation

For much of the past year I have been a critic of the Fed for keeping rates in easy money territory. One major reason was that they were going to let the inflation genie out of the bottle and that was going to be a problem. Now, I feel…

The 3 a.m. moment – McCain blows it

Ben Smith has a good column on McCain's bellicose response to Russia's invasion of Georgia. Even George W. Bush has shown more statesmanship here.‘Invasion of Georgia’—a ‘3 a.m. moment’When the North Caucasus slid into war Thursday night,…

Chart of the day: low ARM rates

This chart from the New York Times demonstrates visually what happens when the Fed lowers interest rates too much: it skews simple economic decisions like what type of mortgage product to use, often with unintended consequences. Similarly…

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