{"id":11265,"date":"2014-11-03T18:09:00","date_gmt":"2014-11-03T23:09:00","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=11265"},"modified":"2014-11-03T18:09:00","modified_gmt":"2014-11-03T23:09:00","slug":"increasing-bank-capital-is-in-the-interest-of-shareholders","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2014\/11\/03\/increasing-bank-capital-is-in-the-interest-of-shareholders\/","title":{"rendered":"Increasing bank capital is in the interest of shareholders"},"content":{"rendered":"<p>Westpac CEO Gail Kelly warns that all Australians will have to carry the cost of making the financial system safer:<\/p>\n<blockquote><p>&#8220;Of course you can ever increase capital and become ever more safe, but that does come at a cost. The increasing of capital ends up having ultimately having a diminishing return in terms of safety, but the costs are real, capital is not free. Those costs will flow through to impact the economy more broadly, noticing and noting that banks are strong intermediaries within the Australian economy.&#8221;<\/p><\/blockquote>\n<p>What Gail fails to consider is that Australians already carry the cost of an unsafe banking system, with the broad economy contracting when banks suffer solvency or liquidity problems. And the taxpayer effectively stands as guarantor in the event of a failure. <\/p>\n<p>I agree that capital comes at a cost &mdash; higher than the direct cost of deposit funding which capital would partially replace. But when one factors in the cost of the vast infrastructure required to attract and service those deposits, the margin narrows. Increasing the level of capital will also make banks safer and reduce the risk premium, further lowering the average cost of capital. And not only for equity: improved risk ratings will lower the cost of deposit-funding as well.<\/p>\n<p>Banks with higher capital ratios also benefit from higher asset and loan growth according to <a href=\"http:\/\/goldstocksforex.com\/2014\/07\/16\/banks-try-scare-tactics-to-avoid-calls-for-more-capital\/\" title=\"Banks try scare tactics to avoid calls for more capital\" target=\"_blank\">studies conducted by the Bank for International Settlements<\/a>.<\/p>\n<p>Making the banking system safer is not only in the interests of the taxpayer, but also bank shareholders. <\/p>\n<p>Read more at <a href=\"http:\/\/www.businessinsider.com.au\/gail-kellys-breathtaking-overstep-shows-its-time-to-call-australias-bankers-to-account-2014-11\" title=\"This Breathtaking Overstep From Gail Kelly Shows It's Time To Call Australia's Bankers To Account\" target=\"_blank\">This Breathtaking Overstep From Gail Kelly Shows It&#8217;s Time To Call Australia&#8217;s Bankers To Account | Greg McKenna<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Westpac CEO Gail Kelly warns that all Australians will have to carry the cost of making the financial system safer: &#8220;Of course you can ever increase capital and become ever more safe, but that does come at a cost. The increasing of capital ends up having ultimately having a diminishing return in terms of safety, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/thepatientinvestor.com\/index.php\/2014\/11\/03\/increasing-bank-capital-is-in-the-interest-of-shareholders\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Increasing bank capital is in the interest of shareholders&#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":[346,348,845,846],"class_list":["post-11265","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","tag-bank-capital-adequacy","tag-bank-capital-ratios","tag-cost-of-capital","tag-cost-of-deposit-funding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Increasing bank capital is in the interest of shareholders - 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=\"Increasing bank capital is in the interest of shareholders - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Westpac CEO Gail Kelly warns that all Australians will have to carry the cost of making the financial system safer: &#8220;Of course you can ever increase capital and become ever more safe, but that does come at a cost. The increasing of capital ends up having ultimately having a diminishing return in terms of safety, &hellip; Continue reading &quot;Increasing bank capital is in the interest of shareholders&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepatientinvestor.com\/index.php\/2014\/11\/03\/increasing-bank-capital-is-in-the-interest-of-shareholders\/\" \/>\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=\"2014-11-03T23:09:00+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\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/\"},\"author\":{\"name\":\"ColinTwiggs\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#\\\/schema\\\/person\\\/cb072791ac83e8bae585007c133d54a5\"},\"headline\":\"Increasing bank capital is in the interest of shareholders\",\"datePublished\":\"2014-11-03T23:09:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/\"},\"wordCount\":280,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#organization\"},\"keywords\":[\"bank capital adequacy\",\"bank capital ratios\",\"cost of capital\",\"cost of deposit funding\"],\"articleSection\":[\"Australia &amp; NZ\",\"Banks &amp; Interest Rates\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/\",\"url\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/\",\"name\":\"Increasing bank capital is in the interest of shareholders - the patient investor\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#website\"},\"datePublished\":\"2014-11-03T23:09:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2014\\\/11\\\/03\\\/increasing-bank-capital-is-in-the-interest-of-shareholders\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/thepatientinvestor.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Increasing bank capital is in the interest of shareholders\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#website\",\"url\":\"https:\\\/\\\/thepatientinvestor.com\\\/\",\"name\":\"The Patient Investor\",\"description\":\"Smart. 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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 &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":10676,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/22\/bank-chiefs-in-last-ditch-plea-to-david-murray-on-tougher-rules-the-australian\/","url_meta":{"origin":11265,"position":1},"title":"Bank chiefs in last-ditch plea to David Murray on tougher rules | The Australian","author":"ColinTwiggs","date":"August 22, 2014","format":false,"excerpt":"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\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":15286,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/05\/15\/at-last-some-sensible-commentary-on-bank-levy-macrobusiness\/","url_meta":{"origin":11265,"position":2},"title":"At last, some sensible commentary on bank levy | MacroBusiness","author":"ColinTwiggs","date":"May 15, 2017","format":false,"excerpt":"From Leith van Onselen: ......The bank levy helps internalise some of the cost of the extraordinary public support that the big banks receive from taxpayers via the Budget\u2019s implicit guarantee (which provides a two-notch improvement in the banks\u2019 credit ratings), the RBA\u2019s Committed Liquidity Facility, the implementation of deposit insurance,\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":1405,"url":"https:\/\/thepatientinvestor.com\/index.php\/2011\/10\/19\/the-bankers-capital-war-howard-davies-project-syndicate\/","url_meta":{"origin":11265,"position":3},"title":"The Bankers\u2019 Capital War &#8211; Howard Davies &#8211; Project Syndicate","author":"ColinTwiggs","date":"October 19, 2011","format":false,"excerpt":"Basel 3, the Basel Committee\u2019s new global regulatory standard on banks\u2019 capital adequacy and liquidity, will more or less double the equity requirements, and will impose extra costs on banks deemed \u201ctoo big to fail.\u201d The Committee\u2019s analysis of the economic consequences found that the impact on growth would be\u2026","rel":"","context":"In &quot;Banks &amp; Interest Rates&quot;","block_context":{"text":"Banks &amp; Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"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":11265,"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 &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":11265,"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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