{"id":10857,"date":"2014-09-10T21:22:41","date_gmt":"2014-09-11T01:22:41","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=10857"},"modified":"2014-09-10T21:22:41","modified_gmt":"2014-09-11T01:22:41","slug":"big-banks-may-need-41b-more-capital-ubs-says","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2014\/09\/10\/big-banks-may-need-41b-more-capital-ubs-says\/","title":{"rendered":"Big banks may need $41b more capital, UBS says"},"content":{"rendered":"<p>From Chris Joye at AFR:<\/p>\n<blockquote><p>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.<\/p><\/blockquote>\n<p>Risk-weightings, especially for residential mortgages are coming under increased scrutiny. The big four banks have a major advantage in this area, employing risk-weightings as low as 15% to 20% based on their historical record of low defaults. But that history includes a credit boom lasting more than 2 decades which fueled an unprecedented rise in housing prices and is unlikely to be repeated in the future.<\/p>\n<p>APRA alluded to this problem in its second FSI submission:<\/p>\n<blockquote><p>..APRA also highlighted the problem with the major banks\u2019 predicting their own probabilities of defaults on home loans in the absence of a recession in 23 years and the much lower levels of housing leverage in 1991.\u201cThe Basel Committee is currently reviewing the validity and reliability of risk weights generated under the IRB approach [used by the majors] in response to studies showing that the variability \u2026 is much greater than could be explained by differences in underlying risks,\u201d APRA said.<\/p><\/blockquote>\n<blockquote><p>Only when the tide goes out do you discover who\u2019s been swimming naked. ~ Warren Buffett<\/p><\/blockquote>\n<p>Read more at <a href='http:\/\/www.afr.com\/p\/blogs\/christopher_joye\/big_banks_may_need_more_capital_T6oXX7XL6wyoNp4J7SHFjL'>Big banks may need $41b more capital, UBS says<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 increased scrutiny. The big four &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/thepatientinvestor.com\/index.php\/2014\/09\/10\/big-banks-may-need-41b-more-capital-ubs-says\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Big banks may need $41b more capital, UBS says&#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":[214,346,2974],"class_list":["post-10857","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","tag-apra","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>Big banks may need $41b more capital, UBS says - 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=\"Big banks may need $41b more capital, UBS says - the patient investor\" \/>\n<meta property=\"og:description\" content=\"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 increased scrutiny. 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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":5682,"url":"https:\/\/thepatientinvestor.com\/index.php\/2012\/10\/05\/are-australian-banks-adequately-capitalized\/","url_meta":{"origin":10857,"position":1},"title":"Are Australian banks adequately capitalized?","author":"Colin Twiggs","date":"October 5, 2012","format":false,"excerpt":"Basel III Capital Adequacy Ratios (CAR) will require banks to hold a minimum Total Capital of 8% against risk-weighted assets (RWA), the same as under Basel II, but with additional capital buffers of between 2.5% and 5.0% depending on credit market conditions. With an average ratio of 11.5% (September 2011),\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":10857,"position":2},"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":[]},{"id":13519,"url":"https:\/\/thepatientinvestor.com\/index.php\/2016\/07\/04\/more-capital-likely-for-banks-apra\/","url_meta":{"origin":10857,"position":3},"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":15095,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/04\/04\/apra-wayne-byres-warns-banks-need-more-capital\/","url_meta":{"origin":10857,"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":10764,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/28\/banks-hold-more-risk-than-before-gfc-chris-joye\/","url_meta":{"origin":10857,"position":5},"title":"Banks hold more risk than before GFC | Chris Joye","author":"ColinTwiggs","date":"August 28, 2014","format":false,"excerpt":"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\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":"Tier 1 Capital to Gross Assets","src":"https:\/\/i0.wp.com\/www.afr.com\/r\/AFR\/Blogs\/christopher_joye\/201408\/Images\/APRA3.png?resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.afr.com\/r\/AFR\/Blogs\/christopher_joye\/201408\/Images\/APRA3.png?resize=350%2C200 1x, https:\/\/i0.wp.com\/www.afr.com\/r\/AFR\/Blogs\/christopher_joye\/201408\/Images\/APRA3.png?resize=525%2C300 1.5x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/10857","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=10857"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/10857\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=10857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=10857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=10857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}