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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.
FDIC FYI January 14, 2003	Basel and the Evolution of Capital Regulation: Moving Forward, Looking Back How much capital is enough? How bank regulators have answered this question during the post World War II period has been shaped by two contending strands of thought.
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.
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.
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.
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.
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.
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.
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...
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.
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.
FDIC FYI December 10, 2003 Steven Burton	A Portfolio Perspective for Evaluating the Adequacy of the Insurance Funds FDIC economists have teamed up with prominent members of the academic community to develop a state-of-the art approach to measure risks posed to the bank (BIF) and savings association (SAIF) insurance funds.
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).
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 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.
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.
U.S. Banker August 2001 John Hackett	Credit Derivatives Hit a Snag After years of booming growth, the market in these hedging tools dropped in the first quarter, but the consensus is that they're too good to keep down. Includes statistics on the biggest bank participants.
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.
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.
FDIC FYI October 8, 2002	Syndicated Credits Deteriorate, But at a Slower Pace Large banking organizations are continuing to feel the effects of the recession, as syndicated loan quality remains generally weak.
OCC Bulletin March 28, 2005	Credit Risk Proposed changes for the classification of commercial credit exposures, which are used to identify higher risk commercial loans and determine classified loan ratios.
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.
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...
U.S. Banker September 2005 Thomas W. Killian	Designing an [Optimal ] Capital Structure Nimble capital management can help non-Basel II-adopting banks level the competitive playing field.
Bank Technology News June 2001 Brian O'Connell	Risk Management Software Spells Relief for Bankers The technology also helps keep regulators happy...
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.
OCC Bulletin March 10, 2000	Risk-Based Capital-Recourse and Direct Credit Substitutes This bulletin transmits a proposed rule that would amend the OCC's risk-based capital regulations to treat direct credit substitutes and recourse obligations consistently and would incorporate the use of credit ratings as an indicator of a bank's risk of loss...
FDIC FYI February 21, 2002	Business Credit Flowing Despite Recession Business credit is more plentiful in this recession than in any other recessionary episode since the early 1970s, according to an FDIC report released today...
CFO March 1, 2008 Karen M. Kroll	Pedaling As Fast As They Can Companies will now need to work harder for credit, as banks' markedly different posture on lending money is affecting businesses of all stripes -- not just those in default.
CFO October 1, 2008 Vincent Ryan	Now What? As banks tend to their balance sheets and seek higher returns on capital, corporate lines of credit are becoming more expensive and tougher to keep.
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.
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.
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 April 1, 2006 Randy Myers	Money for Nothing Given their sanguine outlook, it's lenders who urge CFOs and treasurers who haven't already refinanced debt this year to jump on the bandwagon before it leaves town.
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.
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.
FDIC FYI November 5, 2003	Financial Education in a Dynamic Banking Environment While consumer credit is more available than ever, technological advances and an array of new consumer products and services have made modern banking more complex. In this arena, it is more important than ever for consumers to be educated about their rights and options regarding financial offerings.
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.
FDIC FYI February 27, 2002	Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...
Inc. January 1, 2003 Martin Mayer	A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money?
CFO September 1, 2003 Hilary Rosenberg	Compromising Positions Will credit derivatives encourage more lending, or will they harm the interests of borrowers?
Finance & Development March 1, 2001 Neil Gregory & Stoyan Tenev	The Financing of Private Enterprise in China A 1999 survey of more than 600 private Chinese enterprises revealed that they relied primarily on self-financing. For China's private sector to thrive, firms will need increased access to external loan and equity financing...
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.
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.
Bank Systems & Technology February 25, 2010 Penny Crosman	Recalculating Risk: The New Rules of Risk Management New data management and risk analytics tools are giving banks such as ING, HSBC and Union Bank insight into enterprise-wide risk exposures and a head start on Basel II rules.
CFO March 1, 2005 Tim Reason	A Love-Hate Relationship Banks and their customers have grown closer to, and more wary of, each other.
Bank Systems & Technology March 29, 2006 Maria Bruno-Britz	Hidden Opportunity In preparation for a 2008 deadline, banks are starting to buckle down and initiate their Basel II strategies. With the purchase of a credit risk product from Reveleus, an i-flex solutions company, Wells Fargo is among the financial institutions readying itself for the new regulation.
OCC Bulletin November 15, 1999	Risk-Based Capital Interpretations Credit Derivatives A new issuance addresses the risk-based capital treatment of certain synthetic securitization transactions involving credit derivatives. The objective of these capital interpretations is to recognize the effective transference of the economic risk of loss in these transactions...
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.