{"id":10674,"date":"2014-08-22T17:05:29","date_gmt":"2014-08-22T21:05:29","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=10674"},"modified":"2014-08-22T17:05:29","modified_gmt":"2014-08-22T21:05:29","slug":"bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/","title":{"rendered":"Bank Watch: US Tsy&#8217;s OFR Finds Risk Weighting Has No Clothes | MNI"},"content":{"rendered":"<p>Denny Gulino writes on recent research commissioned by Treasury Department&#8217;s Office of Financial Research (&#8220;OFR&#8221;) to investigate the validity of using risk-weightings to determine bank capital requirements:<\/p>\n<blockquote><p>On risk weighting, OFR commissioned researchers Paul Glasserman at Columbia University and Wanmo Kang of the Korea Advanced Institute of Science and Technology to examine the subject from the ground up. As much as the practice has been incorporated in regulatory parlance, they were able to find very little other research on the validity of the weighting methodology.<\/p>\n<p>&#8220;Risk weights implicitly assign prices in terms of additional capital to asset categories and thus inevitably create incentives for banks to choose some assets over others,&#8221; they wrote.<\/p>\n<p>&#8220;Surprisingly,&#8221; they went on, &#8220;the ideal risk weights turn out to have little to do with risk and are instead proportional to the profitability on each asset.&#8221;<\/p><\/blockquote>\n<p>Read more at <a href='https:\/\/mninews.marketnews.com\/content\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes'>Bank Watch: US Tsy&#039;s OFR Finds Risk Weighting Has No Clothes | MNI<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Denny Gulino writes on recent research commissioned by Treasury Department&#8217;s Office of Financial Research (&#8220;OFR&#8221;) to investigate the validity of using risk-weightings to determine bank capital requirements: On risk weighting, OFR commissioned researchers Paul Glasserman at Columbia University and Wanmo Kang of the Korea Advanced Institute of Science and Technology to examine the subject from &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Bank Watch: US Tsy&#8217;s OFR Finds Risk Weighting Has No Clothes | MNI&#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":[31,34],"tags":[346,2974],"class_list":["post-10674","post","type-post","status-publish","format-standard","hentry","category-the-fed-banks-interest-rates","category-us-canada-countries-regions","tag-bank-capital-adequacy","tag-risk-weighting"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank Watch: US Tsy&#039;s OFR Finds Risk Weighting Has No Clothes | MNI - 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=\"Bank Watch: US Tsy&#039;s OFR Finds Risk Weighting Has No Clothes | MNI - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Denny Gulino writes on recent research commissioned by Treasury Department&#8217;s Office of Financial Research (&#8220;OFR&#8221;) to investigate the validity of using risk-weightings to determine bank capital requirements: On risk weighting, OFR commissioned researchers Paul Glasserman at Columbia University and Wanmo Kang of the Korea Advanced Institute of Science and Technology to examine the subject from &hellip; Continue reading &quot;Bank Watch: US Tsy&#8217;s OFR Finds Risk Weighting Has No Clothes | MNI&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/\" \/>\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=\"2014-08-22T21:05:29+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\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/08\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/\"},\"author\":{\"name\":\"ColinTwiggs\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#\\\/schema\\\/person\\\/cb072791ac83e8bae585007c133d54a5\"},\"headline\":\"Bank Watch: US Tsy&#8217;s OFR Finds Risk Weighting Has No Clothes | MNI\",\"datePublished\":\"2014-08-22T21:05:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/08\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/\"},\"wordCount\":168,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#organization\"},\"keywords\":[\"bank capital adequacy\",\"risk-weighting\"],\"articleSection\":[\"Banks &amp; Interest Rates\",\"US &amp; Canada\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/08\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/08\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/\",\"url\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/08\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/\",\"name\":\"Bank Watch: US Tsy's OFR Finds Risk Weighting Has No Clothes | MNI - the patient investor\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#website\"},\"datePublished\":\"2014-08-22T21:05:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/08\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/08\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/08\\\/22\\\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/thepatientinvestor.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bank Watch: US Tsy&#8217;s OFR Finds Risk Weighting Has No Clothes | MNI\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#website\",\"url\":\"https:\\\/\\\/thepatientinvestor.com\\\/\",\"name\":\"The Patient Investor\",\"description\":\"Smart. Strategic. Unfiltered. \",\"publisher\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/thepatientinvestor.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#organization\",\"name\":\"The Patient Investor Pty Ltd\",\"url\":\"https:\\\/\\\/thepatientinvestor.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/thepatientinvestor.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/cropped-cropped-patience-bg-1-inverted-400x400-1.png?fit=250%2C250&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/thepatientinvestor.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/cropped-cropped-patience-bg-1-inverted-400x400-1.png?fit=250%2C250&ssl=1\",\"width\":250,\"height\":250,\"caption\":\"The Patient Investor Pty Ltd\"},\"image\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/profile.php?id=61572934660810\",\"https:\\\/\\\/www.instagram.com\\\/colin_thepatientinvestor\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#\\\/schema\\\/person\\\/cb072791ac83e8bae585007c133d54a5\",\"name\":\"ColinTwiggs\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/876c4d990bb2af282291d5f3ff81533c6deccc0c607846086647ca3272fac0ca?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/876c4d990bb2af282291d5f3ff81533c6deccc0c607846086647ca3272fac0ca?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/876c4d990bb2af282291d5f3ff81533c6deccc0c607846086647ca3272fac0ca?s=96&d=mm&r=g\",\"caption\":\"ColinTwiggs\"},\"url\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/author\\\/colin58s\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bank Watch: US Tsy's OFR Finds Risk Weighting Has No Clothes | MNI - the patient investor","robots":{"index":"noindex","follow":"follow"},"og_locale":"en_US","og_type":"article","og_title":"Bank Watch: US Tsy's OFR Finds Risk Weighting Has No Clothes | MNI - the patient investor","og_description":"Denny Gulino writes on recent research commissioned by Treasury Department&#8217;s Office of Financial Research (&#8220;OFR&#8221;) to investigate the validity of using risk-weightings to determine bank capital requirements: On risk weighting, OFR commissioned researchers Paul Glasserman at Columbia University and Wanmo Kang of the Korea Advanced Institute of Science and Technology to examine the subject from &hellip; Continue reading \"Bank Watch: US Tsy&#8217;s OFR Finds Risk Weighting Has No Clothes | MNI\"","og_url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/","og_site_name":"the patient investor","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=61572934660810","article_published_time":"2014-08-22T21:05:29+00:00","author":"ColinTwiggs","twitter_card":"summary_large_image","twitter_misc":{"Written by":"ColinTwiggs","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/#article","isPartOf":{"@id":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/"},"author":{"name":"ColinTwiggs","@id":"https:\/\/thepatientinvestor.com\/#\/schema\/person\/cb072791ac83e8bae585007c133d54a5"},"headline":"Bank Watch: US Tsy&#8217;s OFR Finds Risk Weighting Has No Clothes | MNI","datePublished":"2014-08-22T21:05:29+00:00","mainEntityOfPage":{"@id":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/"},"wordCount":168,"commentCount":0,"publisher":{"@id":"https:\/\/thepatientinvestor.com\/#organization"},"keywords":["bank capital adequacy","risk-weighting"],"articleSection":["Banks &amp; Interest Rates","US &amp; Canada"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/","url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/","name":"Bank Watch: US Tsy's OFR Finds Risk Weighting Has No Clothes | MNI - the patient investor","isPartOf":{"@id":"https:\/\/thepatientinvestor.com\/#website"},"datePublished":"2014-08-22T21:05:29+00:00","breadcrumb":{"@id":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-watch-us-tsys-ofr-finds-risk-weighting-has-no-clothes-mni\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/thepatientinvestor.com\/"},{"@type":"ListItem","position":2,"name":"Bank Watch: US Tsy&#8217;s OFR Finds Risk Weighting Has No Clothes | MNI"}]},{"@type":"WebSite","@id":"https:\/\/thepatientinvestor.com\/#website","url":"https:\/\/thepatientinvestor.com\/","name":"The Patient Investor","description":"Smart. Strategic. Unfiltered. ","publisher":{"@id":"https:\/\/thepatientinvestor.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/thepatientinvestor.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/thepatientinvestor.com\/#organization","name":"The Patient Investor Pty Ltd","url":"https:\/\/thepatientinvestor.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/thepatientinvestor.com\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/thepatientinvestor.com\/wp-content\/uploads\/2026\/03\/cropped-cropped-patience-bg-1-inverted-400x400-1.png?fit=250%2C250&ssl=1","contentUrl":"https:\/\/i0.wp.com\/thepatientinvestor.com\/wp-content\/uploads\/2026\/03\/cropped-cropped-patience-bg-1-inverted-400x400-1.png?fit=250%2C250&ssl=1","width":250,"height":250,"caption":"The Patient Investor Pty Ltd"},"image":{"@id":"https:\/\/thepatientinvestor.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/profile.php?id=61572934660810","https:\/\/www.instagram.com\/colin_thepatientinvestor"]},{"@type":"Person","@id":"https:\/\/thepatientinvestor.com\/#\/schema\/person\/cb072791ac83e8bae585007c133d54a5","name":"ColinTwiggs","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/876c4d990bb2af282291d5f3ff81533c6deccc0c607846086647ca3272fac0ca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/876c4d990bb2af282291d5f3ff81533c6deccc0c607846086647ca3272fac0ca?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/876c4d990bb2af282291d5f3ff81533c6deccc0c607846086647ca3272fac0ca?s=96&d=mm&r=g","caption":"ColinTwiggs"},"url":"https:\/\/thepatientinvestor.com\/index.php\/author\/colin58s\/"}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9tQ4n-2Ma","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":7715,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/05\/06\/are-australian-banks-really-sound\/","url_meta":{"origin":10674,"position":0},"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":15095,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/04\/04\/apra-wayne-byres-warns-banks-need-more-capital\/","url_meta":{"origin":10674,"position":1},"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":11405,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/12\/08\/australian-banks-rally-on-murray-report\/","url_meta":{"origin":10674,"position":2},"title":"Australian banks rally on Murray Report","author":"ColinTwiggs","date":"December 8, 2014","format":false,"excerpt":"The ASX 200 Financial sector (ex-REITs) responded well to release of David Murray's report into the financial services industry. As the largest constituent of the ASX 200 index, comprising more than one-third of market capitalization, sector performance is critical in determining future direction of the broader index. Breach of resistance\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":"ASX 200 Financial ex Property","src":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2014\/2014-12-08-xxj.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2014\/2014-12-08-xxj.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2014\/2014-12-08-xxj.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":10857,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/09\/10\/big-banks-may-need-41b-more-capital-ubs-says\/","url_meta":{"origin":10674,"position":3},"title":"Big banks may need $41b more capital, UBS says","author":"ColinTwiggs","date":"September 10, 2014","format":false,"excerpt":"From Chris Joye at AFR: UBS\u2019s more likely scenario of a 3 per cent TBTF capital buffer combined with an increase in the average mortgage risk weight to 25 per cent gives a total capital shortfall of $41.1 billion for the majors. Risk-weightings, especially for residential mortgages are coming under\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":7410,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/04\/07\/lessons-for-australian-banks-why-risk-managers-should-be-spymasters-propublica\/","url_meta":{"origin":10674,"position":4},"title":"Lessons for Australian banks: Why Risk Managers Should Be Spymasters | ProPublica","author":"ColinTwiggs","date":"April 7, 2013","format":false,"excerpt":"Jesse Eisinger's interview with risk specialist John Breit highlights an issue facing Australian banks. Residential mortgages are allocated a low risk weighting -- 15% to 17% because of historic performance -- compared to 50% for US banks. The big four banks piled into this area because of the perceived low\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":7464,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/04\/11\/time-to-clean-up-the-banks\/","url_meta":{"origin":10674,"position":5},"title":"Time to clean up the Banks","author":"ColinTwiggs","date":"April 11, 2013","format":false,"excerpt":"Gabriele Steinhauser at WSJ writes: A group of key crisis managers believes cleaning up weak banks is the only way to get Europe's economy to grow again, after superlow interest rates and large-scale liquidity injections from the ECB have failed to produce the desired results. These officials see continued doubts\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\/10674","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=10674"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/10674\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=10674"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=10674"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=10674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}