What's Actually Going On With Private Credit

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Odd Lots 54 min 9 speakers 4 chapters transcribed 4 months ago
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Stephen Carroll 0:00
Hello, I'm Stephen Carroll. I'm in Brussels, where many of Europe's biggest decisions get made.
Caroline Hepke 0:05
And I'm Caroline Hepke in London. We're the hosts of the Bloomberg Daybreak Europe podcast.
Stephen Carroll 0:10
We're up early every weekday, keeping an eye on what's happening across Europe and around the world.
Caroline Hepke 0:15
We do it early so the news is fresh, not recycled, and so you know what actually matters as the day gets going.
Stephen Carroll 0:21
From Brussels, I'm following the politics, policy and the people shaping the European Union right now.
Caroline Hepke 0:27
And from London, I'm looking at what all that means for markets, money and the wider economy.
Stephen Carroll 0:33
We've got reporters across Europe and around the globe feeding in as stories break.
Caroline Hepke 0:37
So whether it's geopolitics, energy, tech or markets, you're hearing it while it happens.
Stephen Carroll 0:43
It's smart, calm and to the point.
Caroline Hepke 0:45
And it fits into your morning.
Stephen Carroll 0:46
You can find new episodes of the Bloomberg Daybreak Europe podcast by 7am in Dublin or 8am in Brussels, Berlin and Paris.
Francine Lacroix 0:54
On Apple, Spotify, YouTube or wherever you get your podcasts.
Traci Alloway 1:18
Hello and welcome to another episode of the All Thoughts Podcast. I'm Traci Alloway.
Joe Weisenthal 1:22
And I'm Joe Weisenthal.
Traci Alloway 1:24
Joe, I think it's fair to say that if we didn't have the situation with Iran, we would be talking a lot more about private credit.
Joe Weisenthal 1:31
Yeah, yeah, for sure. Jamie Dimon, he's talking about the cockroaches. We keep getting these headlines over the last several weeks, maybe months, various mini, you know, not blowups per se, but mini something between a hiccup and a blowup in some cases. You hear about redemptions being slowed down, etc. Not great headlines and not great charts often, too, when you look at the various publicly traded instruments that one would associate with private credit.
Traci Alloway 1:59
Right. So I love that you said something between a hiccup and a blow up, because this is the difficulty I have in talking about the private credit space at the moment, which is you either find people who are often very close to the private credit industry or in it. who will argue that this is just, you know, a tiny bump in the road. This is maybe a few cockroaches, like nothing to worry about, although a single cockroach would worry me in my own household. But anyway, or you get doomsayers who are like, this is financial crisis 2.0, right? And it's very difficult to find nuanced commentary in between.
Joe Weisenthal 2:35
Yeah. And we were always looking for nuanced commentary. So this is a problem for the Outlaws podcast.
Traci Alloway 2:40
That's right. OK, so we're trying to rise to the occasion with some nuanced commentary on private credit. And trust me, I have watched and seen and read a lot of things on this topic. And one thing that stood out in particular to me was a particular seminar or lecture that came out from a firm called Osterweiss recently. And we had a couple of old school bond hands talking about the rise of private credit and how to think about it in the context of the history of the bond market. And this is something that I think is often missed is what exactly is private credit's role when you think about overall corporate credit?
Joe Weisenthal 3:20
That's a good way to put it, right? Because we can look at the various funds, etc. But within the broad history of the evolution of the bond market and within the current just sort of landscape of fixed income, like what is private credit? The way I like to frame a lot of questions is, from the perspective of the investor, what problem does the existence of private credit solve for their portfolio needs, right? Because that is the consistent thing. We talk to endowment managers, we talk to investors, etc. Every instrument In theory, it solves some sort of problem. Maybe you have a lot of money that's locked up for a long time. It's like, okay, you're willing to trade that away for some extra premium, et cetera.
Joe Weisenthal 4:03
What problem does private credit solve?
Traci Alloway 4:05
Well, I was going to say also from the perspective of the issuer.
Joe Weisenthal 4:08
And from the issuer, yeah.
Traci Alloway 4:09
Because the issuer, if you're a company looking for financing, you have a bunch of different choices. And one of the ones that has become very popular in recent years is

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