{"id":12081,"date":"2015-07-20T19:02:50","date_gmt":"2015-07-20T23:02:50","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=12081"},"modified":"2015-07-20T19:02:50","modified_gmt":"2015-07-20T23:02:50","slug":"apra-confirms-further-capital-adequacy-measures","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/","title":{"rendered":"APRA confirms further capital adequacy measures"},"content":{"rendered":"<p>From Robin Christie:<\/p>\n<blockquote><p>The Australian Prudential Regulation Authority (APRA) has confirmed that the country&#8217;s largest banks will face increased capital adequacy requirements for residential mortgage exposures \u2013 and hasn&#8217;t ruled out further rises.<\/p>\n<p>The regulator made it clear yesterday that the new rules would be an interim measure based on the Financial System Inquiry&#8217;s (FSI) recommendations \u2013 and that it was keenly awaiting guidance from the Basel Committee on Banking Supervision before making any further changes.<\/p>\n<p>The new measures, which come into effect on 1 July 2016, mandate that authorised deposit-taking institutions (ADIs) that are accredited to use the internal ratings-based (IRB) approach to credit risk must increase their average risk weight on Australian residential mortgage exposures to at least 25 per cent. According to APRA, the current average risk weight figure sits at around 16 per cent&#8230;.<\/p><\/blockquote>\n<p>This is a welcome first step. Increases in bank capital will improve economic stability. Even at 25 percent, however, a capital ratio of 10% would mean that banks are holding 2.5 percent capital against residential mortgages. Further increases over time will be necessary.<\/p>\n<p>Read more at <a href='http:\/\/finsia.com\/news\/news-article\/2015\/07\/20\/apra-hints-at-further-capital-adequacy-measures'>APRA hints at further capital adequacy measures<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>From Robin Christie: The Australian Prudential Regulation Authority (APRA) has confirmed that the country&#8217;s largest banks will face increased capital adequacy requirements for residential mortgage exposures \u2013 and hasn&#8217;t ruled out further rises. The regulator made it clear yesterday that the new rules would be an interim measure based on the Financial System Inquiry&#8217;s (FSI) &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;APRA confirms further capital adequacy measures&#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":[214,290,346,381,2925,2974],"class_list":["post-12081","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","tag-apra","tag-australia","tag-bank-capital-adequacy","tag-banks","tag-residential-mortgages","tag-risk-weighting"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>APRA confirms further capital adequacy measures - 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=\"APRA confirms further capital adequacy measures - the patient investor\" \/>\n<meta property=\"og:description\" content=\"From Robin Christie: The Australian Prudential Regulation Authority (APRA) has confirmed that the country&#8217;s largest banks will face increased capital adequacy requirements for residential mortgage exposures \u2013 and hasn&#8217;t ruled out further rises. The regulator made it clear yesterday that the new rules would be an interim measure based on the Financial System Inquiry&#8217;s (FSI) &hellip; Continue reading &quot;APRA confirms further capital adequacy measures&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/\" \/>\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=\"2015-07-20T23:02:50+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\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/\"},\"author\":{\"name\":\"ColinTwiggs\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#\\\/schema\\\/person\\\/cb072791ac83e8bae585007c133d54a5\"},\"headline\":\"APRA confirms further capital adequacy measures\",\"datePublished\":\"2015-07-20T23:02:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/\"},\"wordCount\":188,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#organization\"},\"keywords\":[\"APRA\",\"Australia\",\"bank capital adequacy\",\"banks\",\"residential mortgages\",\"risk-weighting\"],\"articleSection\":[\"Australia &amp; NZ\",\"Banks &amp; Interest Rates\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/\",\"url\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/\",\"name\":\"APRA confirms further capital adequacy measures - the patient investor\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#website\"},\"datePublished\":\"2015-07-20T23:02:50+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2015\\\/07\\\/20\\\/apra-confirms-further-capital-adequacy-measures\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/thepatientinvestor.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"APRA confirms further capital adequacy measures\"}]},{\"@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":"APRA confirms further capital adequacy measures - the patient investor","robots":{"index":"noindex","follow":"follow"},"og_locale":"en_US","og_type":"article","og_title":"APRA confirms further capital adequacy measures - the patient investor","og_description":"From Robin Christie: The Australian Prudential Regulation Authority (APRA) has confirmed that the country&#8217;s largest banks will face increased capital adequacy requirements for residential mortgage exposures \u2013 and hasn&#8217;t ruled out further rises. The regulator made it clear yesterday that the new rules would be an interim measure based on the Financial System Inquiry&#8217;s (FSI) &hellip; Continue reading \"APRA confirms further capital adequacy measures\"","og_url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/","og_site_name":"the patient investor","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=61572934660810","article_published_time":"2015-07-20T23:02:50+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\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/#article","isPartOf":{"@id":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/"},"author":{"name":"ColinTwiggs","@id":"https:\/\/thepatientinvestor.com\/#\/schema\/person\/cb072791ac83e8bae585007c133d54a5"},"headline":"APRA confirms further capital adequacy measures","datePublished":"2015-07-20T23:02:50+00:00","mainEntityOfPage":{"@id":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/"},"wordCount":188,"commentCount":0,"publisher":{"@id":"https:\/\/thepatientinvestor.com\/#organization"},"keywords":["APRA","Australia","bank capital adequacy","banks","residential mortgages","risk-weighting"],"articleSection":["Australia &amp; NZ","Banks &amp; Interest Rates"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/","url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/","name":"APRA confirms further capital adequacy measures - the patient investor","isPartOf":{"@id":"https:\/\/thepatientinvestor.com\/#website"},"datePublished":"2015-07-20T23:02:50+00:00","breadcrumb":{"@id":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/thepatientinvestor.com\/"},{"@type":"ListItem","position":2,"name":"APRA confirms further capital adequacy measures"}]},{"@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-38R","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":12047,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/13\/apra-considers-two-per-cent-capital-adequacy-increase\/","url_meta":{"origin":12081,"position":0},"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 &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":12081,"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":10857,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/09\/10\/big-banks-may-need-41b-more-capital-ubs-says\/","url_meta":{"origin":12081,"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 &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":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":12081,"position":3},"title":"Australia&#8217;s Major Banks Say The Murray Enquiry Used The Wrong Numbers&#8230; | 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 &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":12081,"position":4},"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":15610,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/07\/20\/australia-apra-capitulates-to-big-four-banks\/","url_meta":{"origin":12081,"position":5},"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 &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\/12081","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=12081"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/12081\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=12081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=12081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=12081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}