{"id":4199,"date":"2012-04-24T00:19:12","date_gmt":"2012-04-24T04:19:12","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=4199"},"modified":"2012-04-24T00:19:12","modified_gmt":"2012-04-24T04:19:12","slug":"basel-takes-aim-at-mega-bank-macrobusiness","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2012\/04\/24\/basel-takes-aim-at-mega-bank-macrobusiness\/","title":{"rendered":"Basel takes aim at Mega Bank – MacroBusiness"},"content":{"rendered":"

Deep T<\/strong>: On the one side we have an Australian housing market which is close to the most unaffordable in the world with mortgage debt at 100% of GDP also close to the highest of any country, yet Mega Bank [the Big Four banks] calculates its minimum capital requirements at 1.6% on residential mortgages which undoubtedly would be close to the lowest of any bank in the world….. Surely, the result the Basel Committee assessment is a foregone conclusion?<\/p>\n

Sadly, no. On the other side, however, we have an equally formidable opponent. Do not underestimate the politico-housing complex. The smoke screens will be built and a whitewash is on the cards. Australia has a history of painting a very rosy picture of our financial system and housing market in the face of significant known risk factors.<\/p>\n

via Basel takes aim at Mega Bank – MacroBusiness<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Deep T: On the one side we have an Australian housing market which is close to the most unaffordable in the world with mortgage debt at 100% of GDP also close to the highest of any country, yet Mega Bank [the Big Four banks] calculates its minimum capital requirements at 1.6% on residential mortgages which … <\/p>\n

Continue reading “Basel takes aim at Mega Bank – MacroBusiness”<\/span><\/a><\/p>\n","protected":false},"author":1,"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":[296,393,427,2320,2708],"class_list":["post-4199","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","tag-australian-housing-market","tag-basel-iii","tag-big-four-banks","tag-minimum-capital-requirements","tag-politico-housing-complex"],"yoast_head":"\nBasel takes aim at Mega Bank - MacroBusiness - 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=\"Basel takes aim at Mega Bank - MacroBusiness - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Deep T: On the one side we have an Australian housing market which is close to the most unaffordable in the world with mortgage debt at 100% of GDP also close to the highest of any country, yet Mega Bank [the Big Four banks] calculates its minimum capital requirements at 1.6% on residential mortgages which … Continue reading "Basel takes aim at Mega Bank – MacroBusiness"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepatientinvestor.com\/index.php\/2012\/04\/24\/basel-takes-aim-at-mega-bank-macrobusiness\/\" \/>\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:author\" content=\"https:\/\/facebook.com\/people\/The-Patient-Investor\/61572934660810\/\" \/>\n<meta property=\"article:published_time\" content=\"2012-04-24T04:19:12+00:00\" \/>\n<meta name=\"author\" content=\"Colin Twiggs\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Colin Twiggs\" \/>\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\/2012\/04\/24\/basel-takes-aim-at-mega-bank-macrobusiness\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2012\/04\/24\/basel-takes-aim-at-mega-bank-macrobusiness\/\"},\"author\":{\"name\":\"Colin Twiggs\",\"@id\":\"https:\/\/thepatientinvestor.com\/#\/schema\/person\/d42b18d516a80149d739845749ac6454\"},\"headline\":\"Basel takes aim at Mega Bank – MacroBusiness\",\"datePublished\":\"2012-04-24T04:19:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2012\/04\/24\/basel-takes-aim-at-mega-bank-macrobusiness\/\"},\"wordCount\":151,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/thepatientinvestor.com\/#organization\"},\"keywords\":[\"Australian housing market\",\"Basel III\",\"Big Four banks\",\"minimum capital requirements\",\"politico-housing complex\"],\"articleSection\":[\"Australia & NZ\",\"Banks & Interest Rates\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/thepatientinvestor.com\/index.php\/2012\/04\/24\/basel-takes-aim-at-mega-bank-macrobusiness\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2012\/04\/24\/basel-takes-aim-at-mega-bank-macrobusiness\/\",\"url\":\"https:\/\/thepatientinvestor.com\/index.php\/2012\/04\/24\/basel-takes-aim-at-mega-bank-macrobusiness\/\",\"name\":\"Basel takes aim at Mega Bank - 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Mega Bank uses internal risk based models to determine the\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":4199,"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 "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":11317,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/11\/10\/global-bank-regulator-calls-for-larger-capital-cushions-cfo\/","url_meta":{"origin":4199,"position":2},"title":"Global Bank Regulator Calls for Larger Capital Cushions | CFO","author":"ColinTwiggs","date":"November 10, 2014","format":false,"excerpt":"Matthew Heller reports that the Financial Stability Board, chaired by BOE Governor Mark Carney, is set to table fresh proposals at the upcoming G20 meeting in Brisbane. The world's top 30 \u201csystemically important\u201d banks will be required to substantially increase their capacity to absorb losses without requiring a bailout. The\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & 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":8084,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/10\/basel-committee-willing-to-rethink-complex-bank-rules-ft-com\/","url_meta":{"origin":4199,"position":3},"title":"Basel committee willing to rethink complex bank rules | FT.com","author":"ColinTwiggs","date":"July 10, 2013","format":false,"excerpt":"Brooke Masters reports: The Basel Committee on Banking Supervision said in a discussion paper released on Monday that it shares the concern of critics who believe the main measure of bank safety \u2013 the core tier one capital ratio \u2013 is too complicated and makes it difficult to compare banks.\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & 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":15142,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/04\/12\/australia-financial-stability-rba\/","url_meta":{"origin":4199,"position":4},"title":"Australia: Financial Stability | RBA","author":"ColinTwiggs","date":"April 12, 2017","format":false,"excerpt":"Extract from the latest Financial Stability Review by the RBA: ....In Australia, vulnerabilities related to household debt and the housing market more generally have increased, though the nature of the risks differs across the country. Household indebtedness has continued to rise and some riskier types of borrowing, such as interest-only\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":10857,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/09\/10\/big-banks-may-need-41b-more-capital-ubs-says\/","url_meta":{"origin":4199,"position":5},"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. 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