Mayra Valladares

New York

Senior Contributor at Forbes

Financial Risk Consultant & Trainer: Banks, Emerging Markets, Basel III, & Leveraged Lending. English, Spanish & Russian. Senior Contributor at Forbes.

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Articles

Big Banks Prepare For Future Losses Due To Trump’s Tariff Turmoil

2 months ago | forbes.com | Mayra Valladares

The United States’ eight globally systemically important banks have recently reported first quarter earnings that outperformed analysts’ forecasts. While the higher earnings are important for banks’ capital formation and liquidity, banks’ increase in provisions for future credit losses is a significant warning that earnings this year are in jeopardy.
Trump’s Tariffs Threaten U.S. Bank Earnings

2 months ago | forbes.com | Mayra Valladares

Trump’s onslaught of tariffs heralds a new industrial policy era in the U.S. where the government will intervene more in free markets, and companies will have less flexibility in their decision making. The likelihood that countries will retaliate with a range of tariffs aimed at the U.S. will hurt individuals and businesses, making it more challenging for banks to be profitable.
Big Banks Are Warning About An Economic Slowdown For Good Reason

Mar 12, 2025 | forbes.com | Mayra Valladares

Bank executives are sounding the alarm about a weakening economy, and everyone should be taking them seriously. In the last few days, BNP Paribas, Citicorp, Goldman Sachs, HSBC, JPMorgan and Morgan Stanley have all announced either that the probability of a recession is rising or that they are downgrading American stocks from Overweight to Neutral.
Job Cuts Are Already Higher Than All Of 2024

Mar 6, 2025 | forbes.com | Mayra Valladares

The U.S. job market has taken a very worrisome turn for the worst. Data released by global outplacement and business and executive coaching firm, Challenger, Gray, and Christmas Incorporated, shows that in just the first two months of this year, 221,812 Americans have lost their jobs. These job cuts are 33% higher than for the entire 12 months of 2024.
Economic And Market Data Signal A Recession Is Coming

Mar 4, 2025 | forbes.com | Mayra Valladares

A slew of economic data is signaling that a Trumpcession is around the corner. The impending economic contraction, and possibly a recession, is primarily being caused by Trump’s tariffs and the chaotic lay-off of federal workers. Additionally, deportations of undocumented immigrants, as well as the fear thereof, is causing significant uncertainty in several important economic sectors such as construction, farming, hospitality, poultry, and small businesses.
Countries With Weak Banking Systems - And Why The U.S. Should Care

Feb 28, 2025 | forbes.com | Mayra Valladares

Until recently, the U.S. banking system has been strong because of sensible bank regulations implemented during the President Obama and Biden administrations. Yet, around the world numerous countries do not have anywhere near as stable banking systems as the U.S. does. Weak banking systems should worry us all, not only because bank implosions hurt ordinary citizens, but also because they often cause sovereigns to default on their government debt.
Senator Warren Is Investigating Trump-Musk Attacks On American Consumers

Feb 24, 2025 | forbes.com | Mayra Valladares

Senator Elizabeth Warren, the Senate Banking, Housing, and Urban Affair Committee’s top Democrat is convening a forum to investigate the President Donald Trump-Elon Musk attack on the Consumer Financial Protection Bureau. It is thanks to Senator Warren that this important financial regulator even exists. She was instrumental in having the CFPB created as part of the Wall Street Reform and Consumer Protection Act of 2010.
Big American Banks Ignore Climate Change At Our Peril

Jan 13, 2025 | forbes.com | Mayra Valladares

No matter how often bank regulators, international standard setters, rating agencies, or financial reform advocates like me warn banks that climate change is serious, they are not heeding our warnings. Climate change disasters have significantly increased and intensified in the last several decades. According to the National Centers for Environmental Information, from 1980–2024, there have been slightly over 400 climate disaster events in the United States with losses exceeding $1 billion.
Trump Should Be Thankful For Banking Regulations

Jan 7, 2025 | forbes.com | Mayra Valladares

Thanks to over a decade of Dodd-Frank and Basel III regulations, the Trump administration inherits a well-capitalized and liquid banking system. Squandering this gift would be very dangerous to the financial and mental health of Americans. Healthy banks are critical to the U.S. economy more than any other sector. Bank supervisors globally have a framework to assess banks’ capital, asset quality, management, earnings, liquidity and sensitivity to market risk (CAMELS).
Do Not Believe Bank Lobbyists’ Fearmongering About Basel III

Feb 29, 2024 | forbes.com | Mayra Valladares

Despite daily assaults on Basel III rules by numerous bank lobbyists that Basel III will cause the demise of banking, data does not support their claims. Since 2012, when Dodd-Frank Act and Basel III rules started being phased incrementally, bank regulations have not slowed down U.S. banks’ dividend payouts, share buybacks, asset growth, earnings, their political contributions to legislators, or executive compensation.