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Rates Still Look Up Amid Contained Banking Concerns

Published 08/02/2024, 10:45
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By Benjamin Schroeder

A lack of notable data releases allows EUR rates to look up again amid hawkish central bank talk. Banking jitters continue to add volatility, but scanning the usual indicators of systemic stresses shows these concerns remain largely contained. The US 10-year auction was very fine. The 30-year Thursday is the bigger test. Still eyeing moderate upside to yields

The US 10-year auction was very fine. It came at 1.2bp through the 'secondary market', and so with a negative tail, which is, of course, good and indicative of firm bidding at auction. The indirect bid (typically from large, and from off-shore players) was impressive at 71%, which takes the pressure of the primary dealer and direct dealer bid to do the work. No supply hiccup here. The 30-year Thursday is the bigger test, as it's longer in interest rate risk, and has shown a habit of tailing in past number of offerings.

But just as the Federal Reserve is in something of a holding pattern, so too is the 10-year Treasury yield. The 4.1% area is the top end of the 3.8% to 4.2% range seen so far in 2024. We feel that above 4% makes sense, and we need to have a good excuse to crash back below 4%. It's easier to do some edging higher in the coming few weeks. Nothing dramatic. More testing out tolerance for elevated levels. We've argued that somewhere in the 4.25% to 4.5% range is where the 10-year will feel a bit toppy.

EUR Rates Lookup Amid Central Bank Talk, but Banking Jitters Add Volatility

European rates continued to nudge higher on Wednesday. This time the front end was in the lead after a relatively hawkish interview with the European Central Bank’s Schnabel. She pointed out that her concerns that “the last mile may be the most difficult one” were not allayed by recent data and developments, explicitly mentioning the aggressive pricing of central bank easing and therefore loosening financial conditions as a factor.

Looking at the market’s anticipated easing over the current year we are back towards 124bp worth of rate cuts being priced, and Schnabel certainly contributed to some 5bp having been shaved off again. At the start of February, we had staked out expectations of 160bp, though the notable calming of expectations did come with the US data.

The banking story still simmers in the background and has sparked concerns over the commercial real estate exposures of some European banks. For now, such concerns appear to be rather contained, though enough for smaller temporary rallies of 10-Year yields on the back of headlines.

Typically one would look for tensions in the banking sector to leave their mark on the cross-currency basis (XCCY) especially if concerns are systemic, as also happened in March last year. However, reactions here have been muted since regional bank concerns returned to the headlines late in January. We did see a widening (i.e. a more negative basis), and subsequent recovery, again also on Wednesday. But these moves have been confined to single-digit basis point figures.

Bank concerns simmer, but very much contained so far

EUR/USD XCCY Basis Chart

Today’s Events and Market View

Data calendars continue to have little to offer in terms of potentially market-moving events. The highlight is the US initial jobless claims, which had risen more noticeably above 200k last week. In Europe the speaker schedule looks more interesting with appearances by the ECB's Vujcic, Wunsch and Lane. In the US the Fed's Barkin has two public appearances.

The supply event to watch on Thursday is the US Treasury’s sale of a new US$25bn 30-Year bond. So far the increased auction sizes for this quarterly refunding round have seen solid metrics in the 3-Year and 10-Year sales. 30-Year have tended to be more challenging.

Disclaimer: This publication has been prepared by ING solely for information purposes irrespective of a particular user's means, financial situation or investment objectives. The information does not constitute investment recommendation, and nor is it investment, legal or tax advice or an offer or solicitation to purchase or sell any financial instrument. Read more

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