{"id":10676,"date":"2014-08-22T18:22:53","date_gmt":"2014-08-22T22:22:53","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=10676"},"modified":"2014-08-22T18:22:53","modified_gmt":"2014-08-22T22:22:53","slug":"bank-chiefs-in-last-ditch-plea-to-david-murray-on-tougher-rules-the-australian","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-chiefs-in-last-ditch-plea-to-david-murray-on-tougher-rules-the-australian\/","title":{"rendered":"Bank chiefs in last-ditch plea to David Murray on tougher rules | The Australian"},"content":{"rendered":"

From Richard Gluyas at The Australian<\/a>:<\/p>\n

THE four major-bank chief executives have each made an eleventh-hour appeal to members of the Murray financial system inquiry ahead of Tuesday\u2019s closing date for final submissions, as concerns mount that the sector could be forced to hold even higher \u00adlevels of bank capital due to the \u00adinquiry\u2019s emphasis on resilience. The closed-door meetings with the inquiry panel members come as Steven Munchenberg, chief executive of peak lobby group the Australian Bankers\u2019 Association, said the industry was \u201cjittery\u201d about the inquiry\u2019s focus on \u00adbalance-sheet resilience because more onerous capital requirements would affect the banks\u2019 ability to lend and serve the \u00adeconomy.<\/p><\/blockquote>\n

I disagree. Banks with strong balance sheets are better able to serve the needs of the economy. Highly leveraged banks leave the economy vulnerable to a financial crisis and are more likely to contract lending during periods of economic stress.<\/p>\n

The shrill outcry may have something to do with the impact on bankers bonuses. Incentives based on capital employed would shrink if shareholder’s capital is increased.<\/p>\n

Bank shareholders on the other hand are likely to benefit from stronger balance sheets. Reduced default risk is likely to enhance market valuation metrics like price-earnings multiples. Reduced risk premiums will also lower cost of funding and enhance lending margins. And shareholders are also likely to benefit from enhanced growth prospects. Analysis by the Bank for International Settlements<\/a> in the post crisis period shows banks with higher capital ratios experience higher asset and loan growth.<\/p>\n","protected":false},"excerpt":{"rendered":"

From Richard Gluyas at The Australian: THE four major-bank chief executives have each made an eleventh-hour appeal to members of the Murray financial system inquiry ahead of Tuesday\u2019s closing date for final submissions, as concerns mount that the sector could be forced to hold even higher \u00adlevels of bank capital due to the \u00adinquiry\u2019s emphasis … <\/p>\n

Continue reading “Bank chiefs in last-ditch plea to David Murray on tougher rules | The Australian”<\/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":[290,346,381,942,2389],"class_list":["post-10676","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","tag-australia","tag-bank-capital-adequacy","tag-banks","tag-david-murray","tag-murray-inquiry"],"yoast_head":"\nBank chiefs in last-ditch plea to David Murray on tougher rules | The Australian - 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 chiefs in last-ditch plea to David Murray on tougher rules | The Australian - 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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 "Australia & NZ"","block_context":{"text":"Australia & 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":10584,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/10\/australias-major-banks-say-the-murray-enquiry-used-the-wrong-numbers-business-insider\/","url_meta":{"origin":10676,"position":1},"title":"Australia’s Major Banks Say The Murray Enquiry Used The Wrong Numbers… | Business Insider","author":"ColinTwiggs","date":"August 10, 2014","format":false,"excerpt":"From Greg McKenna: The AFR reports ....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\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & 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":10676,"position":2},"title":"More capital ‘likely’ 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 "Stock Markets"","block_context":{"text":"Stock Markets","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/stock-markets\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":10341,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/07\/16\/australia-ubs-eyes-23b-capital-hit-to-big-banks\/","url_meta":{"origin":10676,"position":3},"title":"Australia: UBS eyes $23b capital hit to big banks","author":"ColinTwiggs","date":"July 16, 2014","format":false,"excerpt":"Chris Joye at AFR reports on a recent study by UBS banking analysts Jonathon Mott and Adam Lee. The two believe that David Murray's financial system inquiry is likely to recommend an increase of 2 to 3% in major banks tier 1 capital ratios. Based on an extra 3 per\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":10328,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/07\/16\/banks-try-scare-tactics-to-avoid-calls-for-more-capital\/","url_meta":{"origin":10676,"position":4},"title":"Banks try scare tactics to avoid calls for more capital","author":"ColinTwiggs","date":"July 16, 2014","format":false,"excerpt":"ANZ chief executive Mike Smith is the latest banker to warn that the push to increase bank capital ratios will reduce access to bank finance. The AFR reports Smith as saying: It is not just about banks, it is about the real economy \u2013 about corporations, business and individuals... It\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & 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":10676,"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 "Australia & NZ"","block_context":{"text":"Australia & 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\/10676","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=10676"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/10676\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=10676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=10676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=10676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}