CAPITAL / LIQUIDITY

Capital / Liquidity

ASIC Releases New Rules on Responsible Credit Card Lending

By Manesh Samtani | 06/09/2018

Credit card providers will need to assess the suitability of new cards and credit limit increases based on consumers’ ability to repay in full within a three year period.

Capital / Liquidity

Stable Outlook For HK Banks Amid Steady Economic Growth – Moody’s

By Garima Chitkara | 04/09/2018

A benign economic environment will support Hong Kong bank profitability and asset quality. However, increasing interest rates in the US could tighten bank liquidity.

Capital / Liquidity

HKMA to Exempt Overseas Incorporated Banks from IRRBB Framework

By Editors | 03/09/2018

Central bank to exempt institutions incorporated overseas from new local IRRBB framework in cases where parent group is not additionally represented in Hong Kong through a locally incorporated institution.

Capital / Liquidity

Korea Expands Crack Down On Speculative Household Lending

By Garima Chitkara | 30/08/2018

Regulatory authorities will conduct on-site inspection to ensure that banks are in compliance with tighter household lending requirements and that business loans have not been used to purchase houses in 15 wards of Seoul.

Capital / Liquidity

Chinese Distressed Asset Exchange to Boost Foreign Investor Access

By Editors | 30/08/2018

Qianhai Financial Assets Exchange, the Chinese first exchange to sell bad debt to foreign investors, seeks to simplify processes to enable easier access for investors overseas.

Capital / Liquidity

RBI Deadline for Bad Loan Resolution Passes

By Manesh Samtani | 29/08/2018

The central bank’s February circular allowed banks 180 days to resolve defaulted loans over 20bn rupees; many of these accounts will now be referred to bankruptcy courts.

Capital / Liquidity

RBI Restates Case For Public Credit Registry

By Garima Chitkara | 24/08/2018

RBI deputy governor says that a public credit registry, with inputs from the corporate registration and GST database, will help increase access to credit in India.

Capital / Liquidity

India’s Bank Recapitalisation Plan Will Not Boost Loan Growth – Moody’s

By Manesh Samtani | 23/08/2018

A recent report by Moody’s Investor Services says the government’s recapitalisation plan for state run banks will be just enough to cover loan losses and regulatory capital ratios, but not enough to boost credit growth required for economic expansion.

Capital / Liquidity

Japan’s Regional Banks Told Not to Blame BOJ for Woes

By Manesh Samtani | 23/08/2018

FSA commissioner urges regional banks, whose profits are down 30% from 5 years ago, to explore ways to manage low interest environment, other than blaming monetary policy.