{"id":10764,"date":"2014-08-28T23:43:59","date_gmt":"2014-08-29T03:43:59","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=10764"},"modified":"2014-08-28T23:43:59","modified_gmt":"2014-08-29T03:43:59","slug":"banks-hold-more-risk-than-before-gfc-chris-joye","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/28\/banks-hold-more-risk-than-before-gfc-chris-joye\/","title":{"rendered":"Banks hold more risk than before GFC | Chris Joye"},"content":{"rendered":"

Chris Joye explains why risk-weighted capital ratios used by Australia’s major banks are misleading and why true leverage is more than 20 times tier 1 capital.<\/p>\n

It was only after 2008 when regulators allowed the majors to slash risk-weightings on home loans from 50 per cent to 15 per cent today that we have seen their reported and purely academic tier one capital measured against these newly \u201crisk-weighted\u201d loan assets which shrunk in value spike from 6.7 per cent in December 2007 to 10.5 per cent in June 2014.<\/p>\n

By arbitrarily boosting the risk-free share of major bank home loans from 50 per cent to 85 per cent via the regulatory artifice that is a risk-weighting, one gets the fictional jump in their tier one capital that everyone believes is real.<\/p>\n

\"Tier\n<\/p><\/blockquote>\n

Read more at Banks hold more risk than before GFC<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Chris Joye explains why risk-weighted capital ratios used by Australia’s major banks are misleading and why true leverage is more than 20 times tier 1 capital. It was only after 2008 when regulators allowed the majors to slash risk-weightings on home loans from 50 per cent to 15 per cent today that we have seen … <\/p>\n

Continue reading “Banks hold more risk than before GFC | Chris Joye”<\/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":[346,2090,2973],"class_list":["post-10764","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","tag-bank-capital-adequacy","tag-leverage-ratio","tag-risk-weighted-assets"],"yoast_head":"\nBanks hold more risk than before GFC | Chris Joye - 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=\"Banks hold more risk than before GFC | Chris Joye - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Chris Joye explains why risk-weighted capital ratios used by Australia’s major banks are misleading and why true leverage is more than 20 times tier 1 capital. 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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":12416,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/10\/16\/aussie-big-four-banks-overpriced\/","url_meta":{"origin":10764,"position":1},"title":"Aussie big four banks overpriced","author":"ColinTwiggs","date":"October 16, 2015","format":false,"excerpt":"Australia's big four banks have raised significant amounts of new capital as the realization finally dawned on regulators that they were highly leveraged and likely to act as \"an accelerant rather than a shock-absorber\" in the next downturn. Chris Joye writes in the AFR that the big four have raised\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 300 Banks Index","src":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2015\/2015-10-17-xbak.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2015\/2015-10-17-xbak.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2015\/2015-10-17-xbak.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":10764,"position":2},"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 "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":12047,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/13\/apra-considers-two-per-cent-capital-adequacy-increase\/","url_meta":{"origin":10764,"position":3},"title":"APRA considers two per cent capital adequacy increase","author":"ColinTwiggs","date":"July 13, 2015","format":false,"excerpt":"by Robin Christie | 14 Jul 2015 The Australian Prudential Regulation Authority (APRA) has stated that the major banks would need to increase their capital adequacy ratios by at least two per cent to meet Financial System Inquiry (FSI) recommendations. APRA has been comparing the capital position of the Australian\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":15610,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/07\/20\/australia-apra-capitulates-to-big-four-banks\/","url_meta":{"origin":10764,"position":4},"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 "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":15095,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/04\/04\/apra-wayne-byres-warns-banks-need-more-capital\/","url_meta":{"origin":10764,"position":5},"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. 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