{"id":7963,"date":"2013-06-30T21:58:10","date_gmt":"2013-07-01T01:58:10","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=7963"},"modified":"2013-06-30T21:58:10","modified_gmt":"2013-07-01T01:58:10","slug":"barclays-threat-on-lending-under-fire-ft-com","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/","title":{"rendered":"Barclays\u2019 threat on lending under fire | FT.com"},"content":{"rendered":"<p>Anne-Sylvaine Chassany at FT writes of the UK&#8217;s Prudential Regulation Authority:<\/p>\n<blockquote>\n<p>The PRA irked banks when it included a 3 per cent leverage ratio target in its assessment of UK lenders\u2019 capital health. It identified shortfalls at Barclays and Nationwide, the UK\u2019s largest building society, which have projected leverage ratios of 2.5 per cent and 2 per cent respectively under PRA tests.<\/p>\n<\/blockquote>\n<p>Outrageous isn&#8217;t it? That banks should be asked to maintain a minimum share capital of <strong>three percent<\/strong> against their lending exposure &#8212; to protect the British taxpayer from future bailouts. My view is that the bar should be set at 5 percent, although this would have to be phased-in over an extended period to prevent disruption.<\/p>\n<p>I hope that APRA is following developments closely. The big four Australian banks are also likely to be caught a little short.<\/p>\n<p>Read more at <a href='http:\/\/www.ft.com\/intl\/cms\/s\/0\/ef228f92-e18d-11e2-b796-00144feabdc0.html#axzz2Xhi3AG9Y'>Barclays\u2019 threat on lending under fire &#8211; FT.com<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Anne-Sylvaine Chassany at FT writes of the UK&#8217;s Prudential Regulation Authority: The PRA irked banks when it included a 3 per cent leverage ratio target in its assessment of UK lenders\u2019 capital health. It identified shortfalls at Barclays and Nationwide, the UK\u2019s largest building society, which have projected leverage ratios of 2.5 per cent and &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Barclays\u2019 threat on lending under fire | FT.com&#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":[40,31,33],"tags":[214,348,349,458,2090,2734],"class_list":["post-7963","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-the-fed-banks-interest-rates","category-uk-europe-countries-regions","tag-apra","tag-bank-capital-ratios","tag-bank-capital-requirements","tag-boe","tag-leverage-ratio","tag-pra"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Barclays\u2019 threat on lending under fire | FT.com - 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=\"Barclays\u2019 threat on lending under fire | FT.com - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Anne-Sylvaine Chassany at FT writes of the UK&#8217;s Prudential Regulation Authority: The PRA irked banks when it included a 3 per cent leverage ratio target in its assessment of UK lenders\u2019 capital health. It identified shortfalls at Barclays and Nationwide, the UK\u2019s largest building society, which have projected leverage ratios of 2.5 per cent and &hellip; Continue reading &quot;Barclays\u2019 threat on lending under fire | FT.com&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/\" \/>\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=\"2013-07-01T01:58:10+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\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/\"},\"author\":{\"name\":\"ColinTwiggs\",\"@id\":\"https:\/\/thepatientinvestor.com\/#\/schema\/person\/cb072791ac83e8bae585007c133d54a5\"},\"headline\":\"Barclays\u2019 threat on lending under fire | FT.com\",\"datePublished\":\"2013-07-01T01:58:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/\"},\"wordCount\":157,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/thepatientinvestor.com\/#organization\"},\"keywords\":[\"APRA\",\"bank capital ratios\",\"bank capital requirements\",\"BOE\",\"leverage ratio\",\"PRA\"],\"articleSection\":[\"Australia &amp; NZ\",\"Banks &amp; Interest Rates\",\"UK &amp; Europe\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/\",\"url\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/\",\"name\":\"Barclays\u2019 threat on lending under fire | FT.com - the patient investor\",\"isPartOf\":{\"@id\":\"https:\/\/thepatientinvestor.com\/#website\"},\"datePublished\":\"2013-07-01T01:58:10+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/06\/30\/barclays-threat-on-lending-under-fire-ft-com\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/thepatientinvestor.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Barclays\u2019 threat on lending under fire | FT.com\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/thepatientinvestor.com\/#website\",\"url\":\"https:\/\/thepatientinvestor.com\/\",\"name\":\"The Patient Investor\",\"description\":\"Smart. 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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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He believes the\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":8096,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/11\/us-banks-face-tougher-capital-requirements\/","url_meta":{"origin":7963,"position":3},"title":"US banks face tougher capital requirements","author":"ColinTwiggs","date":"July 11, 2013","format":false,"excerpt":"Yalman Onaran and Jesse Hamilton at Bloomberg report on a new joint proposal by the Federal Deposit Insurance Corp., Federal Reserve and Office of the Comptroller of the Currency: The biggest U.S. banks, after years of building equity, may continue hoarding profits instead of boosting dividends as they face stricter\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":10764,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/08\/28\/banks-hold-more-risk-than-before-gfc-chris-joye\/","url_meta":{"origin":7963,"position":4},"title":"Banks hold more risk than before GFC | Chris Joye","author":"ColinTwiggs","date":"August 28, 2014","format":false,"excerpt":"Chris Joye explains why risk-weighted capital ratios used by Australia's major banks are misleading and why true leverage is more than 20 times tier 1 capital. It was only after 2008 when regulators allowed the majors to slash risk-weightings on home loans from 50 per cent to 15 per cent\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":"Tier 1 Capital to Gross Assets","src":"https:\/\/i0.wp.com\/www.afr.com\/r\/AFR\/Blogs\/christopher_joye\/201408\/Images\/APRA3.png?resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.afr.com\/r\/AFR\/Blogs\/christopher_joye\/201408\/Images\/APRA3.png?resize=350%2C200 1x, https:\/\/i0.wp.com\/www.afr.com\/r\/AFR\/Blogs\/christopher_joye\/201408\/Images\/APRA3.png?resize=525%2C300 1.5x"},"classes":[]},{"id":10283,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/07\/13\/keep-bank-regulation-as-simple-as-possible-but-no-simpler\/","url_meta":{"origin":7963,"position":5},"title":"Keep bank regulation as simple as possible, but no simpler","author":"ColinTwiggs","date":"July 13, 2014","format":false,"excerpt":"Reading Andrew Bailey's summary of what the Bank of England has learned about bank capital adequacy over the last decade, it strikes me that there are four major issues facing regulators. 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