{"id":7993,"date":"2013-07-02T21:52:42","date_gmt":"2013-07-03T01:52:42","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=7993"},"modified":"2013-07-02T21:52:42","modified_gmt":"2013-07-03T01:52:42","slug":"australian-banks-whos-been-swimming-naked","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/02\/australian-banks-whos-been-swimming-naked\/","title":{"rendered":"Australian banks: Who&#8217;s been swimming naked?"},"content":{"rendered":"<p>Margot Patrick at WSJ reports that the Bank of England is enforcing a new &#8220;leverage ratio&#8221; rule:<\/p>\n<blockquote>\n<p>Top U.K. banks regulator Andrew Bailey told lawmakers that the requirement for banks to hold at least 3% equity against total assets &#8220;is a sensible minimum,&#8221; and that those who fall short must act quickly, but without cutting their lending to households and businesses.<\/p>\n<p>The Bank of England&#8217;s Prudential Regulation Authority on June 20 said Barclays and mutual lender Nationwide Building Society don&#8217;t meet the standard and gave them 10 days to submit plans for achieving it.<\/p>\n<\/blockquote>\n<p>I hope that their Australian counterpart APRA are following developments closely. Both UK and Australian banks are particularly vulnerable because of their over-priced housing markets. And while the big four Australian banks&#8217; capital ratios appear comfortably above 10 percent, these rely on risk-weightings of 15% to 20% for residential mortgages.<\/p>\n<blockquote><p>Only when the tide goes out do you discover who&#8217;s been swimming naked. ~ Warren Buffett<\/p><\/blockquote>\n<p>Read more at <a href='http:\/\/online.wsj.com\/article\/SB10001424127887324436104578581151835892588.html?mod=WSJ_economy_LeftTopHighlights'>BOE: Barclays, Nationwide Must Boost Capital &#8211; WSJ.com<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Margot Patrick at WSJ reports that the Bank of England is enforcing a new &#8220;leverage ratio&#8221; rule: Top U.K. banks regulator Andrew Bailey told lawmakers that the requirement for banks to hold at least 3% equity against total assets &#8220;is a sensible minimum,&#8221; and that those who fall short must act quickly, but without cutting &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/02\/australian-banks-whos-been-swimming-naked\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Australian banks: Who&#8217;s been swimming naked?&#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":[214,348,458,2090,2734],"class_list":["post-7993","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-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>Australian banks: Who&#039;s been swimming naked? - 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=\"Australian banks: Who&#039;s been swimming naked? - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Margot Patrick at WSJ reports that the Bank of England is enforcing a new &#8220;leverage ratio&#8221; rule: Top U.K. banks regulator Andrew Bailey told lawmakers that the requirement for banks to hold at least 3% equity against total assets &#8220;is a sensible minimum,&#8221; and that those who fall short must act quickly, but without cutting &hellip; Continue reading &quot;Australian banks: Who&#8217;s been swimming naked?&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/02\/australian-banks-whos-been-swimming-naked\/\" \/>\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=\"2013-07-03T01:52:42+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\/07\/02\/australian-banks-whos-been-swimming-naked\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/02\/australian-banks-whos-been-swimming-naked\/\"},\"author\":{\"name\":\"ColinTwiggs\",\"@id\":\"https:\/\/thepatientinvestor.com\/#\/schema\/person\/cb072791ac83e8bae585007c133d54a5\"},\"headline\":\"Australian banks: Who&#8217;s been swimming naked?\",\"datePublished\":\"2013-07-03T01:52:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/02\/australian-banks-whos-been-swimming-naked\/\"},\"wordCount\":172,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/thepatientinvestor.com\/#organization\"},\"keywords\":[\"APRA\",\"bank capital ratios\",\"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\/07\/02\/australian-banks-whos-been-swimming-naked\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/02\/australian-banks-whos-been-swimming-naked\/\",\"url\":\"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/02\/australian-banks-whos-been-swimming-naked\/\",\"name\":\"Australian banks: Who's been swimming naked? 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It identified shortfalls at Barclays and Nationwide, the UK\u2019s largest building society, which have projected leverage ratios\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":16000,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/10\/06\/australian-banks-under-selling-pressure\/","url_meta":{"origin":7993,"position":1},"title":"Australian banks under selling pressure","author":"Colin Twiggs","date":"October 6, 2017","format":false,"excerpt":"The ASX 300 Banks index are a major drag on the broad market index. Having respected resistance at 8500, a test of primary support at 8000 is likely. Twiggs Trend Index peaks below zero warn of strong selling pressure. Return on equity is falling. A combination of narrow interest margins.\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":7993,"position":2},"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":[]},{"id":15095,"url":"https:\/\/thepatientinvestor.com\/index.php\/2017\/04\/04\/apra-wayne-byres-warns-banks-need-more-capital\/","url_meta":{"origin":7993,"position":3},"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":12047,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/13\/apra-considers-two-per-cent-capital-adequacy-increase\/","url_meta":{"origin":7993,"position":4},"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":12081,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/","url_meta":{"origin":7993,"position":5},"title":"APRA confirms further capital adequacy measures","author":"ColinTwiggs","date":"July 20, 2015","format":false,"excerpt":"From Robin Christie: The Australian Prudential Regulation Authority (APRA) has confirmed that the country's largest banks will face increased capital adequacy requirements for residential mortgage exposures \u2013 and hasn't ruled out further rises. The regulator made it clear yesterday that the new rules would be an interim measure based on\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\/7993","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=7993"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/7993\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=7993"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=7993"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=7993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}