{"id":17736,"date":"2019-01-14T07:32:02","date_gmt":"2019-01-14T07:32:02","guid":{"rendered":"http:\/\/thepatientinvestor.com\/?p=17736"},"modified":"2019-01-14T07:37:20","modified_gmt":"2019-01-14T07:37:20","slug":"big-four-banks-protest-against-higher-capital","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2019\/01\/14\/big-four-banks-protest-against-higher-capital\/","title":{"rendered":"Big four banks protest against higher capital"},"content":{"rendered":"

“The big four banks are trying to convince the prudential regulator to reconsider its proposal to force them to raise an additional $75 billion of so-called Tier II bonds to meet “too big to fail” capital requirements.” ~ Jonathan Shapiro, Australian Financial Review<\/a><\/p><\/blockquote>\n

What is APRA thinking? They are deluding themselves if they think that Tier II bonds will shore up capital.<\/p>\n

Imagine the panic in financial markets if bond-holders take a haircut. It could lead to a Lehman-style meltdown.<\/p>\n

The same applies to Tier I hybrids which banks are happily flogging to retiree investors. Convert their investments into near worthless bank scrip after a financial meltdown and nan and pops will turn up in Melbourne Docklands and Darling Harbour, demanding their money back. I suspect regulators would rather face Ned Kelly.<\/p>\n

The only true capital is Common Equity (CET1). Anything else is simply putting lipstick on the pig.<\/p>\n

Aussie taxpayers are being duped if they believe that they are covered if there is a financial meltdown and that banks carry enough capital to absorb potential losses.<\/p>\n

I would rather see legislation that calls it like it is and provides for government to backstop the banks in the event of a crisis. But at a price that makes their eyes water, as the Swedes did in 1992<\/a>. It’s the best way to keep the banks honest.<\/p>\n","protected":false},"excerpt":{"rendered":"

“The big four banks are trying to convince the prudential regulator to reconsider its proposal to force them to raise an additional $75 billion of so-called Tier II bonds to meet “too big to fail” capital requirements.” ~ Jonathan Shapiro, Australian Financial Review What is APRA thinking? They are deluding themselves if they think that … <\/p>\n

Continue reading “Big four banks protest against higher capital”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40,31],"tags":[214,427,633,3985,1763,3986],"class_list":["post-17736","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","tag-apra","tag-big-four-banks","tag-cet1","tag-common-equity","tag-hybrids","tag-tier-ii-bonds"],"yoast_head":"\nBig four banks protest against higher capital - 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 four banks protest against higher capital - the patient investor\" \/>\n<meta property=\"og:description\" content=\"“The big four banks are trying to convince the prudential regulator to reconsider its proposal to force them to raise an additional $75 billion of so-called Tier II bonds to meet “too big to fail” capital requirements.” ~ Jonathan Shapiro, Australian Financial Review What is APRA thinking? 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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":8717,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/11\/11\/nab-convertible-pref-issue-fiig\/","url_meta":{"origin":17736,"position":1},"title":"NAB Convertible Pref issue | FIIG","author":"ColinTwiggs","date":"November 11, 2013","format":false,"excerpt":"From FIIG Newswire: National Australia Bank Limited (ASX:NAB) has announced to the ASX the issue of a listed, floating rate convertible preference share (\\\"CPS II\\\") with an indicative dividend of 325 to 340 bps over the bank bill swap rate. NAB is seeking to raise $750,000,000 for general corporate purposes.\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":17736,"position":2},"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":[]},{"id":19545,"url":"https:\/\/thepatientinvestor.com\/index.php\/2019\/12\/06\/banks-drag-on-asx-200\/","url_meta":{"origin":17736,"position":3},"title":"Banks drag on ASX 200","author":"Colin Twiggs","date":"December 6, 2019","format":false,"excerpt":"Banks are plagued by fears of large AUSTRAC penalties for breaches of anti money-laundering and counter-terrorism regulations. Commonwealth have paid a $700 million fine, Westpac have already been charged, NAB alerted investors of potential liabilities in their annual report, while ANZ says there are no signs of transgressions. In other\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":5682,"url":"https:\/\/thepatientinvestor.com\/index.php\/2012\/10\/05\/are-australian-banks-adequately-capitalized\/","url_meta":{"origin":17736,"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 "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":10341,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/07\/16\/australia-ubs-eyes-23b-capital-hit-to-big-banks\/","url_meta":{"origin":17736,"position":5},"title":"Australia: UBS eyes $23b capital hit to big banks","author":"ColinTwiggs","date":"July 16, 2014","format":false,"excerpt":"Chris Joye at AFR reports on a recent study by UBS banking analysts Jonathon Mott and Adam Lee. 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. 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