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View Full Version : Cyprus goes bust and EU seizes 10% of peoples life savings by force



-:Undertaker:-
17-03-2013, 07:12 PM
http://www.telegraph.co.uk/finance/9934565/Cypriot-savers-hit-as-eurozone-agrees-10-billion-bail-out.html

Cypriot savers hit as eurozone agrees €10 billion bail-out

Cyprus is to receive a €10 billion (£8.7 billion) bail-out from the eurozone to recapitalise its ailing banking system in return for a series of drastic measures which will hit the country’s savers.


http://i.telegraph.co.uk/multimedia/archive/02511/cut_Cyprus_AP_2511488b.jpg
People queue to use an ATM machine outside of a Laiki Bank branch in Cyprus. Many rushed to cooperative banks after learning that the terms of a bailout deal includes a one-time levy on bank deposits.


The Mediterranean island nation becomes the fifth country to turn to the eurozone, following in the footsteps of Ireland, Greece, Portugal and Spain.

The emergency funding will be used to prop up the country’s banks which were hit by the financial restructuring of nearby Greece.

The Cypriot banking system had grown to be eight times the size of the country’s fledgling economy - which accounts for just 0.2pc of the eurozone’s gross domestic product.

But in a departure from previous bail-outs, the country’s savers are being asked to make sacrifices.

The terms of the deal mean that Cyprus’s savers will (forced) to sacrifice up to 10pc of their deposits in a move which will raise as much as €6 billion.

The move, which is likely to prove unpopular with the country’s 1m citizens - and the Russian non-residents who reportedly account for half of deposits in Cyprus’s banks - will be enacted almost immediately.

Following a bank holiday in the country on Monday, March 18, the levy on bank deposits will come into force on Tuesday, March 19.

The Cypriot government will take steps to prevent electronic money transfers over the weekend, in order to stop depositors attempting to avoid the curbs.

“As it is a contribution to the financial stability of Cyprus, it seems just to ask for a contribution of all deposit holders," said Jeroen Dijsselbloem, the Dutch finance minister who chaired the meeting at which the bail-out was agreed in Brussels.

"We are not penalising Cyprus... we are dealing with the problems in Cyprus," he continued.

Christine Lagarde, managing director of the International Monetary Fund (IMF), attended the meeting: “I welcome the agreement reached today to address Cyprus’ economic challenges. The IMF has always said that we would support a solution that is sustainable, that is fully financed, and that appropriately allocates the burden sharing.”

On returning to Washington, she said she would ask the IMF’s board to contribute to the bail-out package.

It is thought the IMF’s participation will come from existing funds, and therefore not require additional financing from member countries, such as the UK.

The €10 billion falls short of the €17 billion the Cypriot government estimated it required to stabilise its banking system.

However the eurozone finance ministers are understood to have felt such a level of debt would be too risky, given €17 billion is almost the size of the country’s annual GDP.

In addition to the raid on savers, the Cypriot government has also agreed to increase its corporation tax rate by 2.5 percentage points to 12.5pc in order to raise revenues.

Michael Sarris, the Cypriot finance minister, is due to fly to Moscow to negotiate an extension to an existing €2.5 billion loan from the Russian government.

He hopes to extend the term by five years, to 2021, and reduce the amount of interest payable.

Olli Rehn, European Commissioner for Economic and Monetary Affairs, said that he believed the Russian government is ready to make a contribution.

At the same meeting, eurozone finance ministers agreed to extend the maturity of existing loans to Portugal and Ireland, but the terms of the extensions were not made public.

I'm stunned. But here a few points are.

1) Those who have saved and been prudent are now being punished for being so, unlike the Cyprus government along with the European Union. As punishment they are having 10% of their savings taken away from them. Let that sink in for a moment.

2) In a supposed free country, property rights are one of the cornerstones of such a society. The moment a government (or in this case, a government under order from the EU) can freeze your bank account and simply take your money - thats the mark of an unfree country with an out of control executive.

3) These moves are illegal under the EU's own laws that it had written for itself - the free movement of capital, protection for savers and the bailout - all illegal under EU law. Yet it doesn't abide by its own laws as seen with the PIGS.

4) I said the Eurozone crisis wasn't over and it was going to get worse as did the likes of Nigel Farage and countless others who predicted this entire crisis. The EU said the crisis was over. The crisis continues. Conclusion: the EU and national governments are talking complete bollocks and telling you lies when they say all is fine. Everything that comes out of the IMF, national governments and the EU is utter verbal slurry.

5) Anybody sensible in Spain, Italy and any of the Eurozone countries will be heading to the ATMs tommorow morning and withdrawing all their savings.

6) Another example of why gold and silver among other assets are the best way to store any wealth you have.

7) Think this can't happen here? think again. The BoE is already engaged in QE (money printing) which has seen the Pound Sterling drop in value and worth by a large amount, and its going to continue. If a government prints away your savings value, thats just as equal to theft as this is.

Hopefully we see bank runs occur tommorow across southern Europe. But you know, the lesson in this is again - do not believe establishment types when they tell you everything is fine (as the Cyprus President did in his election campaign). They are liars, and you are a fool if you believe a word they say. Listen to the people who have been warning of this for years. I can't stress it enough. Ignorance isn't an excuse anymore.


"We can't solve problems by using the same kind of thinking that created them." - Albert Einstein

Thoughts?

HarrySX
17-03-2013, 10:46 PM
I'll bite -

If Cyprus have managed to get bailed out this way, who is to say other countries won't follow suit rather than resolving the underlying financial issues (poor banking systems and government)?

FlyingJesus
17-03-2013, 10:55 PM
lmao is this some EU attempt at forcing an example of Keynesian economics just to see how it works because other than that I can't see any valid reason why they believe this is 1) a good idea or 2) excusable

HarrySX
17-03-2013, 11:03 PM
lmao is this some EU attempt at forcing an example of Keynesian economics just to see how it works because other than that I can't see any valid reason why they believe this is 1) a good idea or 2) excusable

Agreed, Cyprus is a small country in the EU (in economic terms) so I can see why they'd trial it there but I'm doubtful.

GommeInc
18-03-2013, 01:28 AM
Maybe if Cyprus hadn't been forced to pay x amount of Euros per year to support an institution that bankrupts countries then this wouldn't of happened. The EU forgets that not all countries are economic power houses like Germany, France and the UK. Forcing savers who have done the right thing for years unlike their banks, which are regulated by EU law, is against so many laws in the EU and possibly in Cypriot law - but of course they are forgotten about because those with the power deserve all the money, unlike the citizens who probably couldn't give a damn about them or their ideology.

What's worrying is that George Osborne is pledging to aid ex-patriots and army personnel. The expatriates do not deserve any help at all as they chose to move to the country and are, as is hinted in the name, expatriates - they've removed themselves from residency of the country of which they were brought up in favour of another.

Adam
18-03-2013, 03:08 PM
So, wait a minute... politics is corrupt?

I'm blown away.

-:Undertaker:-
18-03-2013, 04:28 PM
They've now said people can't get money out of the banks until Thursday - because they fear a bank run. For a norman citizen in Cyprus, imagine if you needed cash to pay bills or even buy food? ...Ironically, the very same action now makes a bank run even more likely. One could even say that they are either incredibly stupid, or are wanting the crisis to worsen as an excuse to take even more powers away from elected national governments.

The Euro crisis has always been a hell of a lot worse than they're letting on, and its getting worse and worse.

-:Undertaker:-
18-03-2013, 10:31 PM
The deal seems to be disintegrating as the European 'project' clashes with the markets and national democracy.

http://www.zerohedge.com/news/2013-03-18/cyprus-president-rehn-i-told-you-tax-wouldnt-pass-regards-mrs-merkel

Cyprus President To Rehn: "I Told You Tax Wouldn't Pass. Regards To Mrs Merkel"


To say that the tensions within the European "Union" are getting unbearable would be an understatement.

First, courtesy of Reuters (http://www.reuters.com/article/2013/03/18/us-eurozone-cyprus-stumbled-insight-idUSBRE92H0RH20130318), we get a detailed narrative of what happened before this Saturday's announcement of a deposit levy, where we learn that the deposit confiscation was initially Joerg Asmussen's idea, and we also learn that Atanasiades stormed out in anger when he learned what was about to happen.


Under a promise which still appears on the website of the Central Bank of Cyprus, deposits in its banks are insured up to 100,000 euros. Cyprus has about 30 billion euros in insured deposits, a large amount for a country of just 1 million people.

But because of its status as an offshore financial hub for foreigners - including large numbers of rich Russians - it also has 38 billion euros in uninsured deposits in bigger accounts.

Cyprus could have offered full protection to those with insured deposits up to 100,000 euros and still reached the 5.8 billion euro target by taxing uninsured deposits at a rate above 15 percent.

According to three sources, European Central Bank board member Joerg Asmussen and euro zone finance ministers' representative Thomas Wieser had worked on a plan that would require just that - a high levy on only uninsured deposits.

But when the plans were presented to Anastasiades, several participants said, he balked at any suggestion that uninsured depositors should pay more than 10 percent.

Since his limit meant uninsured depositors would pay no more than 3.8 billion euros, those with small savings would have to pony up the other 2 billion euros.

The meeting was contentious, participants say. Schaeuble, Dutch Finance Minister Jeroen Dijsselbloem and negotiators for the ECB, EU and International Monetary Fund broke off several times to talk separately with the Cypriots. Other ministers hung around in the corridors, playing games on their mobile phones.

In the early hours of Saturday morning, Dijsselbloem, who serves as head of the euro zone minister's group, proposed that uninsured depositors pay 12.5 percent, a level which would require insured depositors to pay only 3.5 percent or so.

Anastasiades stormed out of the meeting in anger. He returned only when senior negotiators told him that if he left, Cyprus would have to default and shut its banks altogether.

Finally he agreed to the levy, but insisted on capping the fee for uninsured depositors at no more than 9.9 percent.

Exhausted officials did the sums. To raise the other 2 billion, insured Cypriot depositors with small accounts would have to pay a 6.75 percent levy on their savings. The deal was done.

Turns out it wasn't. Moments ago Kathimerini reported what happened later today, and shows that the bad blood between the Cypriot leader and Germany's Merkel is now boiling:


Cypriot President Nicos Anastasiades held a telephone conversation with European Economic and Monetary Affairs Commissioner Olli Rehn on Monday night to inform him that there might not be enough parliamentary support for a deposit tax on the island.

Cypriot MPs were due to debate on Tuesday a tax on deposits but it looks like Anastasiades will not be able to get enough votes to approve the one-off levy, which was decided at Eurogroup meeting in the early hours of Saturday.

Anastasiades is also reported to have spoken to German MEP Elmar Brok, a member of Chancellor Angela Merkel’s CDU party who is close to the German leader.

According to Mega TV, Anastasiades is reported to have said to Rehn and Brok: “When I warned you that there would not be a parliamentary majority to pass the agreement, you didn’t want to listen. Give my regards to Mrs Merkel.”

We eagerly wait to hear back what message Frau Merkel has for the Cypriot leader now that the entire plan to punish Russian billionaires and generate political brownie points for Angie come September, while in the process using innocent Cypriot savers as collateral damage, is about to fall apart.

Interestingly I have also seen rumours that the Eurogroup are pulling away from the planned levy as it's feared that a bank run will start across southern Europe (or a steady capital drain) in response to this. Because think about it, if the EU will do it in Cyprus - it'll do it in any other country if thats what it takes to prolong the lifespan of the Euro currency and the EU project.


"It is irrational to start a bank run [...] but rational to join one." - Sir Mervyn King

Even if they do backtrack on this, i'd still be taking my money out of any continental European banks - the genie is out of the bottle, the die has been cast, the fuse has been lit and the cat is out of the bag as they say. These maniacs will go to hell and back to save this dying project, and we ain't seen nothing yet if you ask me. Apparently originally these professional leeches wanted 40% of people's savings taken.

Thoughts?

Adam
19-03-2013, 12:54 PM
It's alright because the ones making these decisions won't be affected.

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