Digital Finance Analytics (DFA) Blog
"Intelligent Insight"
Welcome to the Property Imperative Weekly to 18th August 2018, our digest of the latest finance and property news with a distinctively Australian flavour. Another week, yet more data, so let’s dive straight in. And by the way, if you value the content we produce please do consider joining our Patreon programme, where you can … Continue reading “Let The Sunshine In – The Property Imperative Weekly 18 August 2018”
The Australian Prudential Regulation Authority (APRA) has sought industry feedback on potential approaches to adjust the capital framework for authorised deposit-taking institutions (ADIs) to make capital ratios more transparent, comparable and flexible. Importantly, the proposals in this paper are not intended to change the quantum or allocation of capital. The idea of harmonising with international … Continue reading “APRA to make ADI capital framework “more transparent, comparable and flexible””
Most would accept that house prices in the major Australian centres are too high. Whether you use a measure of price to income, loan value to income, or price to GDP; they are all above long term trends and higher than in most other countries. Indeed, in Sydney and Melbourne, they are arguably more than … Continue reading “Who Really Benefits From High Home Prices? – UPDATED”
Welcome to the Property Imperative weekly to 28th July 2018, our digest of the latest finance and property news with a distinctively Australian flavour. Watch the video, listen to the podcast, or read the transcript. By the way, if you value the content we produce please do consider joining our Patreon programme, where you can … Continue reading “The Great GDP Question And The Road Ahead – The Property Imperative Weekly – 28 July 2018”
Welcome to the Property Imperative weekly to 21th July 2018, our digest of the latest finance and property news with a distinctively Australian flavour. By the way if you value the content we produce please do consider joining our Patreon programme, where you can support our ability to continue to make great content. Here is … Continue reading “The Phony Wars – The Property Imperative Weekly 21 July 2018”
The latest BBSW rates have moved higher again in response to the higher US rates, and local uncertainty in the banking sector. The key 3-month rate is around 30 basis points above its February lows. This puts more pressure on the banks in terms of margin erosion. As we said recently: … we think something … Continue reading “BBSW Signals More Bank Funding Pressures”
Welcome to the Property Imperative weekly to 16th June 2018, our digest of the latest finance and property news with a distinctively Australian flavour. Watch the video, listen to the podcast, or read the transcript. scrollings=”no” We start with the international markets, because familiar market foes returned this week as the U.S. and … Continue reading “The Nasty Cocktail; And Who’s Drinking – The Property Imperative Weekly – 16 June 2018”
Ratings Agencies are a funny breed, and I am not going to enter the debate as to whether they are ahead of the curve – some will say their track record around the time of the GFC was appalling – and whether they are truly independent; but they are taken seriously by the markets, which … Continue reading “What The Ratings Agencies Are Saying”
At first blush the news at home and abroad appears to be steering us towards our most risky – scenario 4 outcome, where global financial markets are disrupted and home prices fall by 20-40 percent or more as confidence wains. Some would call this GFC 2.0. So let’s looks at the evidence. scrollings=”no” … Continue reading “Are We Facing Another Financial Sector Crisis?”
There is growing interest in central bank digital currencies or CBDCs. A central bank digital currency is a digital form of central bank money denominated in the official unit of account for general purpose users. Rather than a full decentralised version of a digital currency, like Bitcoin, a CBDC falls within the control of a … Continue reading “Is It Time for A Central Bank Digital Currency?”