{"id":13073,"date":"2016-04-03T22:39:29","date_gmt":"2016-04-04T02:39:29","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=13073"},"modified":"2016-04-03T22:39:29","modified_gmt":"2016-04-04T02:39:29","slug":"australias-banks-are-too-big-to-get-sick-apra","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2016\/04\/03\/australias-banks-are-too-big-to-get-sick-apra\/","title":{"rendered":"Australia’s banks are ‘too big to get sick’: APRA"},"content":{"rendered":"

\"\"<\/a><\/p>\n

Sally Rose at The Age<\/em> quotes APRA’s executive general manager of supervision and support, Charles Littrell:<\/p>\n

“Australia has taken a big national bet on the rise of Asia, in particular on the rise of China, from a developing country to developed status,” Mr Littrell said.<\/p>\n

He described APRA’s stance of forcing the banks to hold higher levels of equity than they might like as an “insurance policy” against that bet.<\/p>\n

“Most of Australia does business on the basis that China is going to continue to rise relatively smoothly and that the Communist government can manage macroeconomic policy. At APRA we are not so convinced,” he told an Australian Centre for Financial Studies event in Melbourne on Friday. <\/p>\n

“Australia’s economy has done absolutely brilliantly well for a really long time, but it is brittle: this could all go away quite rapidly. Our aspiration for the major banks is that they are not accelerants in that situation, but shock absorbers.” <\/p>\n

Too big to get sick<\/strong>
\nThe financial system inquiry chaired by David Murray said Australia’s banks should be “unquestionably strong” compared to global banks because of Australia’s reliance on international funding for its growth; APRA has said strength will be determined on a range of measures. Mr Littrell said there is plenty of focus internationally on banks that are “too big to fail”, but the relative importance to the economy of the Australian banks means they are “almost too big to get sick”.<\/p><\/blockquote>\n

Australian banks face three problems:<\/p>\n

    \n
  1. Huge exposure to residential mortgages in a toppy<\/em> market;<\/li>\n
  2. Low capital reserves against those assets compared to international competitors; and<\/li>\n
  3. Reliance on volatile wholesale funding in international markets which, like the proverbial umbrella, international lenders will want to take back when it rains.<\/li>\n<\/ol>\n

    Source: Australia’s banks are ‘too big to get sick’: APRA<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    Sally Rose at The Age quotes APRA’s executive general manager of supervision and support, Charles Littrell: “Australia has taken a big national bet on the rise of Asia, in particular on the rise of China, from a developing country to developed status,” Mr Littrell said. He described APRA’s stance of forcing the banks to hold … <\/p>\n

    Continue reading “Australia’s banks are ‘too big to get sick’: APRA”<\/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":[57],"tags":[],"class_list":["post-13073","post","type-post","status-publish","format-standard","hentry","category-stock-markets"],"yoast_head":"\nAustralia's banks are 'too big to get sick': APRA - 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=\"Australia's banks are 'too big to get sick': APRA - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Sally Rose at The Age quotes APRA’s executive general manager of supervision and support, Charles Littrell: “Australia has taken a big national bet on the rise of Asia, in particular on the rise of China, from a developing country to developed status,” Mr Littrell said. 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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":12168,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/08\/16\/cba-anz-nab-and-westpac-the-incredible-shrinking-big-four-banks-afr-com\/","url_meta":{"origin":13073,"position":1},"title":"CBA, ANZ, NAB and Westpac: The incredible shrinking big four banks | afr.com","author":"ColinTwiggs","date":"August 16, 2015","format":false,"excerpt":"Great article by Chris Joye: Welcome to the world of that beautiful $140 billion behemoth, the Commonwealth Bank, which has inverted the axiom that there is a trade-off between risk and return. Years ago I highlighted a perversion embedded at the heart of our financial system: the supposedly lowest (highest)\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":12053,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/14\/bank-share-prices-tipped-to-decline\/","url_meta":{"origin":13073,"position":2},"title":"Bank share prices tipped to decline","author":"ColinTwiggs","date":"July 14, 2015","format":false,"excerpt":"Chris Joye at the AFR warns that increased capital requirements could cause an 18.5 percent fall in bank stocks: ....APRA warns that because the report makes several assumptions that are unrealistically favourable to the majors, and the majors' CET1 ratios have fallen behind global peers since June 2014, it believes\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":13111,"url":"https:\/\/thepatientinvestor.com\/index.php\/2016\/04\/08\/apra-waves-wet-lettuce-at-bank-offshore-funding-macrobusiness\/","url_meta":{"origin":13073,"position":3},"title":"APRA waves wet lettuce at bank offshore funding | MacroBusiness","author":"ColinTwiggs","date":"April 8, 2016","format":false,"excerpt":"From Leith van Onselen at Macrobusiness: .....the banks\u2019 reliance on offshore funding hit an unprecedented 54% of GDP in the December quarter: As always, the key risk is that the banks\u2019 ability to continue borrowing from offshore rests with foreigners\u2019 willingness to continue extending them credit. This willingness will be\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":"https:\/\/i0.wp.com\/thepatientinvestor.com\/wp-content\/uploads\/2016\/04\/screenhunter_12341-mar-29-15-40-660x402.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/thepatientinvestor.com\/wp-content\/uploads\/2016\/04\/screenhunter_12341-mar-29-15-40-660x402.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/thepatientinvestor.com\/wp-content\/uploads\/2016\/04\/screenhunter_12341-mar-29-15-40-660x402.jpg?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":13073,"position":4},"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":13073,"position":5},"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":[]}],"_links":{"self":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/13073","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=13073"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/13073\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=13073"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=13073"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=13073"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}