Bottoming-out billionaires shows pledging can be a dangerous business

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Borrowing money against stock in your own company can be disastrous — just ask WeWork founder Adam Neumann

Adam Neumann. Picture: REUTERS/EDUARDO MUNOZ

Neumann’s $500m loan — secured by WeWork shares — proved similarly problematic for investor SoftBank Group, which extended credit to Neumann as part of a 2019 rescue deal that was subsequently withdrawn. A soured margin loan to Lu, the founder of Luckin Coffee, forced lenders to raise about $210m selling Luckin shares he had pledged as collateral. They still face a $300m shortfall.

What’s at stake is sobering: The combined value of the five largest share pledges disclosed in filings tracked by the Bloomberg Billionaires Index is about $60bn. Pledging is big in Asia, where state-owned banks dominate financial markets and high-growth companies are more common. Tycoons in China and India often turn to lenders and other financial-services firms that offer cash in exchange for committed shares.

Both Credit Suisse and UBS, two of the world’s largest wealth managers, have used lending to rich clients to boost net income in recent years as they’ve shifted away from volatile investment banking.Lombard lending, which typically involves providing a loan collateralised by a broader pool of assets than a single stock, has become a favoured tool among wealth managers because of the fees it generates to structure the loans, which also pay out interest.

 

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Bottoming-out billionaires shows pledging can be a dangerous businessBorrowing money against stock in your own company can be disastrous — just ask WeWork founder Adam Neumann
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