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Finance & Development
December 1, 2000
Cem Karacadag & Michael W. Taylor |
Toward a New Global Banking Standard: The Basel Committee's Proposals The Basel Committee's new capital framework proposals will have important implications for developed and developing countries alike. Although many details remain to be worked out, it is not too early for countries to start preparing for the proposals' implementation.   |
FDIC FYI
April 21, 2003 |
Risk-Based Capital Requirements for Commercial Lending: The Impact of Basel II The purpose of this article is to demonstrate the mechanics of the Basel II risk-based capital calculation for commercial credit exposures, and to present evidence on the impact of the new calculations on capital requirements for syndicated loans. |
OCC Bulletin
July 15, 1999 |
Summary of the Basel Committee's Consultative Document: "A New Capital Adequacy Framework" The paper describes a framework for bank supervision and regulation that contains three "pillars" -- a regulatory capital minimum, an enhanced supervisory review process, and more effective use of market discipline through disclosure. |
CFO
December 1, 2003
Randy Myers |
Basel's New Balance A new accord may soon help banks lend more for less. |
CFO
October 1, 2007
Rob Garver |
One Nation, Left Behind The race to cut compliance-based capital has begun, and U.S. banks are trailing the pack -- badly. |
Finance & Development
September 2010
S. Raihan Zamil |
Judgment Day Changing the rules alone cannot make the financial system safe. The judgment of banking supervisors is crucial. |
Finance & Development
December 1, 2008
Noel Sacasa |
Preventing Future Crises The financial crisis has exposed weaknesses in the current regulatory and supervisory frameworks and made it clear that we are in need of regulatory reform. |
FDIC FYI
December 8, 2003 |
Estimating the Capital Impact of Basel II in the United States We use 19 years of financial data from all FDIC-insured commercial banks to develop a range of values for the key Basel II risk parameters that banks might be expected to use over time. This allows us to estimate average capital requirements under the A-IRB approach under a range of economic conditions. |
Finance & Development
June 1, 2000
Tomas J.T. Balino & Angel Ubide |
The New World of Banking Four trends are fundamentally altering the financial world: consolidation of institutions, globalization of operations, development of new technologies, and universalization of banking. Each of these poses challenges for the effective supervision and regulation of the financial sector.... |
BusinessWeek
April 17, 2008 |
The Lowdown on Basel II Its No. 1 goal is to smooth out financial crises, and its main method is fine-tuning banks' capital requirements. |
Bank Systems & Technology
August 30, 2005
Phil Britt |
Comprehensive Controls The better control a bank has on its risk exposure, the better its opportunity for profitability. Still, many financial institutions continue to struggle to establish enterprisewide risk management controls that provide a true picture of risk across the organization. |
CFO
March 1, 2007
Rob Garver |
Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend. |
OCC Bulletin
September 25, 2006 |
Proposed Revisions to (1) Risk- Based Capital Rule Implementing the new Basel Capital Accord and (2) Market Risk Rule This bulletin briefly summarizes two Notices of Proposed Rulemaking. The first NPR would implement new risk-based capital requirements for large or internationally active U.S. banking organizations. The second NPR proposes changes to the current risk-based capital charge for market risk. |
Bank Systems & Technology
May 24, 2007
Nancy Feig |
Basel II's Three Pillars of Compliace While the minutiae of the supervisory regulations issued for Basel II by the Bank for International Settlements is as drawn out as its official name, there are three simple points around which the accord is based. |
Finance & Development
March 2009
Kodres & Narain |
What Is to Be Done While there is enough blame to pass around, one key contributor to the global financial crisis was inadequate regulation. The scope of financial regulation needs to be revamped and the provision of liquidity improved. Here's how. |
Wall Street & Technology
May 25, 2005
Maria Santos |
Risky Business By formally introducing operational risk into risk management and capital calculation, Basel II is moving top-tier financial institutions to clearly identify, measure and report information related to operational risk. |
BusinessWeek
April 17, 2008 |
The Story of Basel II So Far... A chronological look at the Basel II banking accord since its inception in 2004. |
Bank Systems & Technology
May 24, 2007
Nancy Feig |
Banks Make Headway Towards Basel II While international banks have made considerable progress toward complying with the provisions of Basel II, US banks still are waiting for the final rules. But that isn't keeping them from reexamining their risk management technologies. |
Bank Director
1st Quarter 2011
Jack Milligan |
In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry. |
Finance & Development
December 1, 2005
Mohammed El Qorchi |
Islamic Finance Gears Up While gaining ground, the Islamic financial products industry faces unique regulatory challenges. |
OCC Bulletin
December 28, 2006 |
Risk-Based Capital: Domestic Capital Modifications This Notice of Proposed Rulemaking is applicable to banking organizations that are not subject to the Basel II NPR that was separately proposed on September 25, 2006. |
Bank Technology News
May 2007 |
The Six Regulatory Areas That Are Altering Bank Life Regulation is a part of bank life. Failure to comply shouldn't be. |
Bank Systems & Technology
September 15, 2010
Penny Crosman |
Top 7 Ways Basel III Affects U.S. Banks and Their IT Departments New capital rules will drive banks to use new risk models and perform data integration projects. |
Finance & Development
March 1, 2000
Robert Rennhack |
Banking Supervision Countries in Latin America and the Caribbean, like other emerging markets, have experienced banking system difficulties that have hampered growth and generated fiscal costs as high as 10 to 20 percent of GDP and even more. Many countries have improved their banking systems, but further reform is needed. |
OCC Bulletin
May 22, 2002 |
Unsafe and Unsound Investment Portfolio Practices Description: Supplemental Guidance This bulletin alerts banks to the potential risk to future earnings and capital from poor investment decisions made at the current low level of interest rates... |
U.S. Banker
May 2009
Michael Sisk |
The Repercussions of Reform After months of Congressional hearings, debates and some hysterics, only the broadest outlines of the new banking regulatory regime have emerged. |
Finance & Development
September 2009
Andrew Crockett |
Rebuilding the Financial Architecture What needs to be done to strengthen financial regulation and supervision? |
| FDIC FYI |
FYI: An Update on Emerging Issues in Banking Assessing the banking industry's exposure to an implicit government guarantee of gses |
OCC Bulletin
October 20, 2005 |
Risk-Based Capital: Domestic Capital Modifications The Advance Notice of Proposed Rulemaking suggests modifications to our domestic risk-based capital rules, which are based on the 1988 Basel Accord (Basel I). |
Finance & Development
September 1, 2002
Nsouli & Schaechter |
Challenges of the "E-Banking Revolution" Electronic banking is the wave of the future. It provides enormous benefits to consumers in terms of the ease and cost of transactions. But it also poses new challenges for country authorities in regulating and supervising the financial system and in macroeconomic policy. |
Finance & Development
March 1, 2006
Hilbers, Otker-Robe & Pazarba |
Going too Fast? Managing rapid credit growth in Central and Eastern Europe. |
Bank Systems & Technology
October 6, 2006
Nancy Feig |
Basel II Drives ERM The consensus among bankers and experts is that Basel II is the driving force behind enterprise risk management. |
Finance & Development
December 2010 |
Risky Business Global banks will adapt to the new international rules on capital and liquidity, but at what cost to investors and the financial system? |
CFO
May 1, 2009
Edward Teach |
How Healthy Is Your Bank? With more failures expected in 2009, CFOs should subject their banks to a thorough checkup. |
OCC Bulletin
November 3, 2000 |
Risk-Based Capital--Simplified Framework for Non-Complex Institutions Currently, banks and thrifts are required to maintain minimum levels of risk-based capital under a framework established by the 1988 Capital Accord. The Agencies believe that the size, complexity, and risk profile of many banking institutions may warrant the application of a simplified capital framework. |
The Motley Fool
September 22, 2006
Stephen D. Simpson |
A Closer Look at Bank Stocks Learn the secrets of investing in this often-intimidating sector. |
OCC Bulletin
November 1, 2001 |
Third-Party Relationships This bulletin provides guidance to national banks on managing the risks that may arise from their business relationships with third parties... |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
OCC Bulletin
April 4, 2001 |
Leveraged Financing Guidance for bankers and examiners that more fully describes supervisory expectations regarding sound practices for leveraged financing activities. |
The Motley Fool
August 31, 2005
Stephen D. Simpson |
A Closer Look at Bank Stocks These investors must deal with unusual terms and funny-looking financial statements, but the rewards can be well worth it. |
OCC Bulletin
August 4, 2003 |
Proposed Revisions to Risk-Based Capital Implementing the new Basel Capital Accord This bulletin briefly summarizes the Advance Notice of Proposed Rulemaking (ANPR) and Supervisory Guidance developed for corporate credit risk and operational risk that were published today in the Federal Register. |
eCFO
April 2001
Adam Lincoln |
Basel Faulty Managers at some smaller companies complain that Basel II will lower adequacy ratios on loads to healthy corporations but will raise the bar on loans to less-sound businesses... |
Finance & Development
June 2011 |
Looking Under the Hood Bank capital ratios have improved since the crisis, but mainly because banks are lending less. |
U.S. Banker
April 2007
Karen Krebsbach |
International-Rule Adoption May Harm Emerging Economies Traditional approaches to bank supervision could actually hurt the societies they're aiming to protect, particularly those in emerging economies. |
Finance & Development
March 2009
Amar Bhattacharya |
A Tangled Web Everyone agrees on reforming the governance of financial markets, but who will do what remains unclear. |
OCC Bulletin
December 6, 2000 |
Risk-Based Capital The Agencies are proposing to modify the risk-based capital treatment on claims against certain securities firms. The proposal would reduce the risk weight on claims on, or guaranteed by, qualifying securities firms to 20 percent from 100 percent... |
U.S. Banker
August 2010
Donna Alexander |
Is This Any Way to Stimulate Global Trade? The Basel Committee's proposal to raise capital requirements for trade-finance instruments could force banks to scale back lending. |
Finance & Development
June 1, 2006
Gulde & Pattillo |
Adding Depth Africa can achieve even higher economic growth through financial sector reform. |
Bank Systems & Technology
May 8, 2007
Nancy Feig |
Technological Improvements Crucial To Greater Transparency In Banking Supervision Traditional approaches to government supervision of banks may actually hurt development and lead to greater corruption in lending in some countries, according to research. |
FDIC FYI
November 26, 2002 |
Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks |
