Top Tweets for #HQLA
Recent gold selloffs reflect liquidity demand, not failure. ~$120B daily OTC depth strengthens its long-term HQLA argument.
#Gold #Liquidity #HQLA
@FabienP1210 @SaiKei90
Gold doing its job: LBMA’s Crowell makes case for HQLA status
The gold market continues to recover after its worst monthly loss in decades, and while gold’s price action has been disappointing for some investors, other market professionals note that gold has been doing exactly what it is supposed to do.
Many analysts have explained that gold’s selloff last month was completely logical, as it has been an important source of liquidity after the joint U.S.-Israel war against Iran generated significant uncertainty in the global economy, sparking a supply chain crisis that has impacted everything from food production to energy markets... @lbmaexecutive
Full story at Kitco:
https://t.co/XworYoNRxC
Excellent to see this collaboration. @lbmaexecutive and @GOLDCOUNCIL just released their new HQLA platform. It’s packed with essential resources to help you understand gold's evolving regulatory landscape.
Definitely worth your time! https://t.co/UCR70o3AbD
#Gold #HQLA @Frank_Giustra @LukeGromen @TaviCosta @IGWTreport @GoldTelegraph_ @goldseek
@account_blown You don't sell it. You lease it out and collect the interest. See @RealKeithWeiner and @Monetary_Metals for more info. This will become normal when #gold is universally considered #HQLA.
👀Why this matters for @Dateline_DTR
$DTREF holds a gold resource (alongside rare earths & strontium). If gold is increasingly viewed as HQLA → gold-exposed companies gain structural valuation support.
https://t.co/yyklQne0n9
#DTREF #Gold #HQLA #RareEarths
@ComstockRoyalty
China's Endgame Plans for Gold
Please watch this excellent treatment of Goldfix work (fully, Produced and Edited by @andreijikh on his channel.
This has taken off and should be bookmarked.
Special h/t to @TFTC21 and @MartyBent for providing a platform to put it all out there
Special contributions by @KingKong9888 (REPO) and @oriental_ghost Enjoy.
https://t.co/U2ZUZvvkmH
As a reminder to my detractors and followers....
As of July 1, 2025, physical #gold (allocated, insured, and audited) is officially classified as a #Tier1 #HQLA under the Basel III Endgame rules in the U.S.
The entire #BankingSystem changed under everyone's noses while #CentralBanks accross the world raked in record gold for 11+ years...
They will pull the rug on many. I hope you have been paying attention to me for these past 2 years. Its about to get "interesting"...
@BikeLaneOnly1 @ComstockRoyalty I think most people miss that about #Tier1 assets and the new #BIS rules for #HQLA and its association with #Gold.
The whole #banking system has changed in July and noone is paying attention...
well...we are lol
We’ve been building up to this announcement for a long, long time!
#Gold 🆔++ #VerifiableCredentials #HQLA
#StableBars
Abaxx Announces Digital Title Pilot to Unlock the Collateral Value of Physical Commodities Through its Integrated Market Infrastructure
Does gold meet the standards required to be classified as an HQLA under Basel III? Our recent blog provides more analysis: https://t.co/KIlEeOlasv
@GOLDCOUNCIL #Gold #HQLA
@maneco1964 @KingKong9888 Collateral is King 👑
#HQLA #OTCderivatives #EMIR #DoddFrank #G7 #BRICS #BrettonWoods2point0 #FED #ECB #SOFR #TPI #IMF #SDR
This is just the beginning.
To grasp the emergence of “High Quality Liquid Assets” (#HQLA), a cool new “category term” we can use to encompass all digital assets that will be interoperable & enhance #payments, #banking, #liquidity, #commerce, #lending, #trade, #investing, #ValueExchange, #government, #communities, #WealthCreation, #Transparency, #Accountability, #Efficiency, #Liberty & #Freedom, is beyond profound.
I highly recommend you all give @DwightSnoot589 a follow, watch his entire YouTube video (clipped in this post), here: https://t.co/q1H9owT86G, and make time to watch his video collection on his YT Channel.
The more we know & deeper we understand, the better we can communicate the profound nature of our changing world order, the quicker mass adoption occurs and the sooner we escape the matrix.
@X @Ripple #XRP #XRPL #XLM #XDC #Crypto #Banking #CBDC #StableCoins #Tokenization #RWA #KUWL @digitalassetbuy @DigPerspectives @ZachRector7 @valhiladvisors @VersanAljarrah @BlackberryXRP @JoelKatz
Borrow from ourselves, to pay back past debt to others that is now due. #NoRollover
What we pay back to ourselves in the end will be un-real. #NominalPerformance #HQLA?
@Fxhedgers Borrow… 🤔 doesn’t that mean you pay back?
“Nope”
🌐 LCR
The Liquidity Coverage Ratio (#LCR) under Basel III is a requirement that financial institutions hold an adequate level of unencumbered, high-quality liquid assets (#HQLA) to cover their total net cash outflows over a 30-day stress scenario. The purpose of the LCR is to ensure that banks can withstand a short-term liquidity crisis and meet their short-term obligations.
### Key Components:
1. **High-Quality Liquid Assets (HQLA):**
- These are assets that can be quickly and easily converted into cash with little or no loss of value. HQLAs are typically secure, low-risk assets, such as government bonds and central bank reserves.
- HQLAs are further classified into Level 1, Level 2A, and Level 2B assets, each with different liquidity and discount characteristics.
2. **Net Cash Outflows:**
- This represents the total expected cash outflows minus the total expected cash inflows occurring under a stress scenario over the next 30 calendar days.
### LCR Calculation:
\[ LCR = \frac{\text{High-Quality Liquid Assets}}{\text{Total Net Cash Outflows over 30 Days}} \times 100\% \]
### Minimum Requirement:
- Banks are required to maintain an LCR of at least 100%, indicating that they have enough high-quality liquid assets to cover net cash outflows for 30 days.
### Importance:
- **Liquidity Risk Management:** The LCR is designed to mitigate the risk of a bank-run, where many depositors withdraw their funds at once.
- **Financial Stability:** It enhances the resilience of banks to financial market stress by ensuring they have enough liquid assets to survive an acute short-term liquidity strain.
- **Confidence:** By holding a buffer of liquid assets, banks can meet their liquidity needs during a 30-day stress scenario, fostering confidence among depositors and market participants.
### Implementation:
The LCR has been implemented in a phased manner since its introduction, with the minimum requirement gradually increasing until it reached 100%.
### Limitations:
While the LCR is a crucial tool for managing liquidity risk, it is not without criticism. Some argue that it might encourage banks to hold excessive levels of low-yielding liquid assets, potentially reducing profitability and lending. Furthermore, the 30-day stress scenario is somewhat arbitrary and might not capture all potential risks.
### Conclusion:
Together with other reforms under Basel III, the LCR aims to improve the banking sector's ability to absorb shocks arising from financial and economic stress, ultimately enhancing the resilience and stability of financial markets.
#GTF 🌻
![GlobalTradeFin's tweet photo. 🌐 LCR
The Liquidity Coverage Ratio (#LCR) under Basel III is a requirement that financial institutions hold an adequate level of unencumbered, high-quality liquid assets (#HQLA) to cover their total net cash outflows over a 30-day stress scenario. The purpose of the LCR is to ensure that banks can withstand a short-term liquidity crisis and meet their short-term obligations.
### Key Components:
1. **High-Quality Liquid Assets (HQLA):**
- These are assets that can be quickly and easily converted into cash with little or no loss of value. HQLAs are typically secure, low-risk assets, such as government bonds and central bank reserves.
- HQLAs are further classified into Level 1, Level 2A, and Level 2B assets, each with different liquidity and discount characteristics.
2. **Net Cash Outflows:**
- This represents the total expected cash outflows minus the total expected cash inflows occurring under a stress scenario over the next 30 calendar days.
### LCR Calculation:
\[ LCR = \frac{\text{High-Quality Liquid Assets}}{\text{Total Net Cash Outflows over 30 Days}} \times 100\% \]
### Minimum Requirement:
- Banks are required to maintain an LCR of at least 100%, indicating that they have enough high-quality liquid assets to cover net cash outflows for 30 days.
### Importance:
- **Liquidity Risk Management:** The LCR is designed to mitigate the risk of a bank-run, where many depositors withdraw their funds at once.
- **Financial Stability:** It enhances the resilience of banks to financial market stress by ensuring they have enough liquid assets to survive an acute short-term liquidity strain.
- **Confidence:** By holding a buffer of liquid assets, banks can meet their liquidity needs during a 30-day stress scenario, fostering confidence among depositors and market participants.
### Implementation:
The LCR has been implemented in a phased manner since its introduction, with the minimum requirement gradually increasing until it reached 100%.
### Limitations:
While the LCR is a crucial tool for managing liquidity risk, it is not without criticism. Some argue that it might encourage banks to hold excessive levels of low-yielding liquid assets, potentially reducing profitability and lending. Furthermore, the 30-day stress scenario is somewhat arbitrary and might not capture all potential risks.
### Conclusion:
Together with other reforms under Basel III, the LCR aims to improve the banking sector's ability to absorb shocks arising from financial and economic stress, ultimately enhancing the resilience and stability of financial markets.
#GTF 🌻](https://pbs.twimg.com/media/F7H4OSHWgAAWGvm.jpg)
🌐 HQLA
High-Quality Liquid Assets (#HQLA) are a key component in the Basel III framework, specifically in the Liquidity Coverage Ratio (#LCR). HQLAs are assets that are readily convertible to cash with little or no loss of value, even under stressed market conditions. These assets are crucial for banks as they provide liquidity to meet short-term obligations, acting as a buffer during a financial crisis.
### HQLAs are categorized into three levels:
1. **Level 1 Assets:**
- These are the highest-quality, most liquid assets.
- Include cash, central bank reserves, and certain marketable securities backed by sovereigns and central banks.
- There’s no haircut (reduction in value) applied to these assets for LCR calculation purposes.
- No restriction on the amount that can be held.
2. **Level 2A Assets:**
- Slightly lower quality compared to Level 1 but still high-quality.
- Include certain government securities, covered bonds, and corporate debt securities.
- Subject to a 15% haircut under the LCR.
3. **Level 2B Assets:**
- These have even lower liquidity than Level 1 and 2A assets.
- Include lower-rated corporate bonds, residential mortgage-backed securities (#RMBS), and shares of common equity.
- Subject to a haircut ranging from 25% to 50%.
### Criteria for HQLA:
- **Low Risk:** Assets should have a low risk profile, reflected by the low likelihood of sharp value declines.
- **Ease of Valuation:** The assets should be easy to value, even during periods of stress.
- **Market Depth:** There should be an active and sizable market for buying and selling the assets.
- **Central Bank Eligibility:** Ideally, the assets should be eligible for central bank financing.
### Importance:
- **Liquidity Buffer:** HQLAs serve as a liquidity buffer, helping banks to withstand a 30-day stressed funding scenario, as envisaged under the LCR requirement of #BaselIII.
- **Risk Mitigation:** The diverse categories within HQLA allow for a risk-sensitive approach, helping banks to navigate through different market conditions and risks.
### Limitations:
While holding HQLAs enhances a bank’s liquidity position, it may also lead to opportunity costs, as these assets often yield lower returns compared to riskier investments. Banks need to balance holding sufficient HQLAs for liquidity purposes while also seeking profitable investments.
### Implementation:
Regulatory authorities in different jurisdictions might have slight variations in implementing HQLA requirements, as they might consider different assets to be “high quality” based on the local financial environment and regulatory structure.
### Conclusion:
Understanding and effectively managing HQLAs is fundamental for banks to comply with Basel III regulations and ensure they maintain adequate liquidity levels to navigate through financial stress scenarios.
#GTF 🌻
Verordening 2011/1176 is de basis voor NextGenerationEU en heeft niets met Corona te maken. De aanbevelingen voor NL lagen er al in juni 2019.
#WorstBankSenario #onderpandfraude #HQLA #industriepolitiek
[Met Verhofstadt als commissaris bij het NLse pensioenfonds ABP/APG]
This Covid Recoveryfund #NextGenerationEU financed with European bonds is a historic step ahead.
Now we need to make the most of it & continue 🇪🇺 reform.
My intervention in Parliament👇🏻
Im Durchschnitt könnte eine europäische Bank einen Verlust von 38 % ihrer Einlagen verkraften, ohne Staatsanleihenbestände mit Verlust verkaufen oder einen Notverkauf illiquider Vermögenswerte durchführen zu müssen
Analysten von Jefferies @Reuters
#HQLA
SWED gut
SAN nicht gut
Die Bankenkrise ist noch nicht vorbei.
Welche europäische Bank ist als nächstes dran?
Bitte nur Anmerkungen mit sachlicher Begründung
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