{"id":10584,"date":"2014-08-10T17:39:17","date_gmt":"2014-08-10T21:39:17","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=10584"},"modified":"2014-08-10T17:39:17","modified_gmt":"2014-08-10T21:39:17","slug":"australias-major-banks-say-the-murray-enquiry-used-the-wrong-numbers-business-insider","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/10\/australias-major-banks-say-the-murray-enquiry-used-the-wrong-numbers-business-insider\/","title":{"rendered":"Australia&#8217;s Major Banks Say The Murray Enquiry Used The Wrong Numbers&#8230; | Business Insider"},"content":{"rendered":"<p>From Greg McKenna:<\/p>\n<blockquote>\n<p>The AFR reports &#8230;.the Australian Bankers Association CEO Steven Munchenberg said the banks are \u201cconcerned that if some of the statements in the interim report \u2013 that Australia\u2019s capital is middle of the road, that housing is a \u00adsystemic risk \u2013 are allowed to remain unchallenged and are then taken out of context that is going to cause us a lot of future grief\u201d.<\/p>\n<p>Munchenberg says the Inquiry hasn\u2019t calculated the capital ratios correctly.<\/p>\n<p>\u201cThe approach was simplified and didn\u2019t take into account the complexities and nuances of how capital is determined in Australia, including deductions required by APRA and some of the areas where APRA has adopted a more conservative approach, and as a result underestimated the amount of capital in Australia relative to overseas\u201d, he told the AFR.<\/p>\n<\/blockquote>\n<p>Forget the nuances and comparisons to the plight of other banks. Australian banks need to almost double their capital and adopt a more conservative approach to home mortgage lending if they are to withstand future shocks. 3 to 5 percent capital against total exposure doesn&#8217;t get you very far. The history of low mortgage failures over the last 3 decades, in an expansionary phase of the credit market, is unlikely to be repeated during a contraction.<\/p>\n<p>Read more at <a href='http:\/\/www.businessinsider.com.au\/australias-major-banks-say-the-murray-enquiry-used-the-wrong-numbers-to-calculate-capital-2014-8'>Australia&#039;s Major Banks Say The Murray Enquiry Used The Wrong Numbers To Calculate Capital | Business Insider<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>From Greg McKenna: The AFR reports &#8230;.the Australian Bankers Association CEO Steven Munchenberg said the banks are \u201cconcerned that if some of the statements in the interim report \u2013 that Australia\u2019s capital is middle of the road, that housing is a \u00adsystemic risk \u2013 are allowed to remain unchallenged and are then taken out of &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/10\/australias-major-banks-say-the-murray-enquiry-used-the-wrong-numbers-business-insider\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Australia&#8217;s Major Banks Say The Murray Enquiry Used The Wrong Numbers&#8230; | Business Insider&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40,31],"tags":[214,290,346,348],"class_list":["post-10584","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","tag-apra","tag-australia","tag-bank-capital-adequacy","tag-bank-capital-ratios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Australia&#039;s Major Banks Say The Murray Enquiry Used The Wrong Numbers... | Business Insider - the patient investor<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Australia&#039;s Major Banks Say The Murray Enquiry Used The Wrong Numbers... | Business Insider - the patient investor\" \/>\n<meta property=\"og:description\" content=\"From Greg McKenna: The AFR reports &#8230;.the Australian Bankers Association CEO Steven Munchenberg said the banks are \u201cconcerned that if some of the statements in the interim report \u2013 that Australia\u2019s capital is middle of the road, that housing is a \u00adsystemic risk \u2013 are allowed to remain unchallenged and are then taken out of &hellip; Continue reading &quot;Australia&#8217;s Major Banks Say The Murray Enquiry Used The Wrong Numbers&#8230; | Business Insider&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/10\/australias-major-banks-say-the-murray-enquiry-used-the-wrong-numbers-business-insider\/\" \/>\n<meta property=\"og:site_name\" content=\"the patient investor\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=61572934660810\" \/>\n<meta property=\"article:published_time\" content=\"2014-08-10T21:39:17+00:00\" \/>\n<meta name=\"author\" content=\"ColinTwiggs\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"ColinTwiggs\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/10\/australias-major-banks-say-the-murray-enquiry-used-the-wrong-numbers-business-insider\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/10\/australias-major-banks-say-the-murray-enquiry-used-the-wrong-numbers-business-insider\/\"},\"author\":{\"name\":\"ColinTwiggs\",\"@id\":\"https:\/\/thepatientinvestor.com\/#\/schema\/person\/cb072791ac83e8bae585007c133d54a5\"},\"headline\":\"Australia&#8217;s Major Banks Say The Murray Enquiry Used The Wrong Numbers&#8230; 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APRA has been comparing the capital position of the Australian\u2026","rel":"","context":"In &quot;Australia &amp; NZ&quot;","block_context":{"text":"Australia &amp; NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":13519,"url":"https:\/\/thepatientinvestor.com\/index.php\/2016\/07\/04\/more-capital-likely-for-banks-apra\/","url_meta":{"origin":10584,"position":1},"title":"More capital &#8216;likely&#8217; for banks: APRA","author":"ColinTwiggs","date":"July 4, 2016","format":false,"excerpt":"From Clancy Yeates: APRA on Monday updated a study that showed the common equity tier 1 (CET1) capital ratio of Australia's major banks were now in the top quartile of banks internationally \u2013 a key target set by the 2014 financial system inquiry......APRA said the banks' average CET1 ratios were\u2026","rel":"","context":"In &quot;Stock Markets&quot;","block_context":{"text":"Stock Markets","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/stock-markets\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":7715,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/05\/06\/are-australian-banks-really-sound\/","url_meta":{"origin":10584,"position":2},"title":"Are Australian banks really sound?","author":"ColinTwiggs","date":"May 6, 2013","format":false,"excerpt":"Business Spectator reports: In a statement APRA chairman John Laker said that, in implementing the Basel III liquidity reforms, the authority's objectives were to improve its ability to assess and monitor ADIs\u2019 liquidity risk and strengthen the resilience of the Australian banking system. \"APRA believes ADIs are well-placed to meet\u2026","rel":"","context":"In &quot;Australia &amp; NZ&quot;","block_context":{"text":"Australia &amp; NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":15610,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/07\/20\/australia-apra-capitulates-to-big-four-banks\/","url_meta":{"origin":10584,"position":3},"title":"Australia: APRA capitulates to Big Four banks","author":"ColinTwiggs","date":"July 20, 2017","format":false,"excerpt":"From Clancy Yeates at The Age: Quelling investor fears over moves to strengthen the financial system, the Australian Prudential Regulation Authority on Wednesday said major banks would have until 2020 to increase their levels of top-tier capital by about 1 percentage point, to 10.5 per cent. The target was much\u2026","rel":"","context":"In &quot;Australia &amp; NZ&quot;","block_context":{"text":"Australia &amp; NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":15095,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/04\/04\/apra-wayne-byres-warns-banks-need-more-capital\/","url_meta":{"origin":10584,"position":4},"title":"APRA: Wayne Byres warns banks need more capital","author":"ColinTwiggs","date":"April 4, 2017","format":false,"excerpt":"From APRA chairman Wayne Byres' keynote address to the AFR Banking & Wealth Summit 2017, Sydney: Haven\u2019t we done enough already? The third question is: haven\u2019t we done enough already? The banking system certainly has higher capital adequacy ratios than it used to. But overall leverage has not materially declined.\u2026","rel":"","context":"In &quot;Australia &amp; NZ&quot;","block_context":{"text":"Australia &amp; NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":12081,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/","url_meta":{"origin":10584,"position":5},"title":"APRA confirms further capital adequacy measures","author":"ColinTwiggs","date":"July 20, 2015","format":false,"excerpt":"From Robin Christie: The Australian Prudential Regulation Authority (APRA) has confirmed that the country's largest banks will face increased capital adequacy requirements for residential mortgage exposures \u2013 and hasn't ruled out further rises. The regulator made it clear yesterday that the new rules would be an interim measure based on\u2026","rel":"","context":"In &quot;Australia &amp; NZ&quot;","block_context":{"text":"Australia &amp; NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/10584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/comments?post=10584"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/10584\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=10584"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=10584"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=10584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}