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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
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. |
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
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. |
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. |
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... |
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.... |
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 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... |
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). |
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... |
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. |
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
March 1, 2001 |
Bulletin The Asian Crisis Four Years On... The New Basel Capital Proposal for Banks... IMF Reviews Financial Sector Assessment Program... etc. |
CFO
December 1, 2003
Randy Myers |
Basel's New Balance A new accord may soon help banks lend more for less. |
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. |
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 Technology News
June 2001
Brian O'Connell |
Risk Management Software Spells Relief for Bankers The technology also helps keep regulators happy... |
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... |
OCC Bulletin
March 23, 2001 |
Working Group on Public Disclosures The private sector Working Group on Public Disclosure recently issued a report recommending several enhancements to public disclosure for large banking organizations and securities firms in the areas of credit and market risk... |
Finance & Development
December 1, 2005
Mohammed El Qorchi |
Islamic Finance Gears Up While gaining ground, the Islamic financial products industry faces unique regulatory challenges. |
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. |
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. |
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. |
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. |
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. |
OCC Bulletin
January 23, 2001 |
Risk-Based Capital On January 16, 2001, the Basel Committee on Banking Supervision published a set of three documents that initiates a second round of consultation with the industry to develop proposals to revise the 1988 Capital Accord... |
OCC Bulletin
April 9, 2002 |
Risk-Based Capital A final rule permits banks to reduce the risk weight on certain claims against qualifying securities firms from 100 percent to 20 percent... |
OCC Bulletin
March 11, 2002 |
Country Risk A recently issued statement describes the elements of an effective country risk management process. These principles will guide examiners when they evaluate the management of country risk in internationally active banks... |
| OCC Bulletin |
Regulatory Capital---Asset-Backed Commercial Paper and Early Amortization The interim final rule and the notice of proposed rulemaking amend the risk-based capital standards for the treatment of assets in asset-backed commercial paper and certain securitizations with early amortization provisions. Comments on these rulemakings are requested. |
Finance & Development
June 1, 2006
Wim Fonteyne |
EU: From Monetary to Financial Union The choice is not between a centralized and a decentralized framework, but about the degree of centralization that will give Europe the best tools to manage risks to its financial stability without impeding the integration process itself. |
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... |
Finance & Development
September 2009
Randall Dodd |
Overhauling the System The United States is proposing the most radical reform of financial regulation since the New Deal. |
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
April 13, 2005 |
Interagency Guidance for Determination of Risk- Based Capital for Unrated Direct Credit Substitutes Extended to Asset-Backed Commercial Paper Programs The provisions included in this policy statement are effective immediately. |
OCC Bulletin
July 1, 2004 |
Embedded Options and Long-Term Interest Rate Risk This bulletin alerts banks to the importance of measuring the cash flow and valuation risks for assets and liabilities with embedded options. |
Finance & Development
June 1, 2000
Anne Y. Kester |
Improving the Framework for Reporting on International Reserves During the international financial crises of the late 1990s, deficiencies were uncovered in the publicly available information on countries' international reserves. A new template and operational guidelines have been developed to promote improved disclosure of such data. |
| Knowledge@Wharton |
Operational Risk Poses Challenges to Financial Institutions and Regulators Operational risk is the chance that an institution may be laid low by an internal system failure -- such as not guarding against a rogue trader's activities -- or an external event. |
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
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. |
Finance & Development
March 1, 2000
Pedro Pou |
Argentina's Structural Reforms of the 1990s Argentina experienced serious economic and financial difficulties in the 1980s. Hyperinflation in 1989-90 finally elicited the necessary political consensus for reform. Despite areas of concern, structural reforms implemented in the 1990s have set Argentina on the path to sustained growth. |
Finance & Development
September 2009
Andrew Crockett |
Rebuilding the Financial Architecture What needs to be done to strengthen financial regulation and supervision? |
Finance & Development
December 1, 2002
Das et al. |
Financial Regulators Need Independence Granting more operational autonomy to the agencies that keep an eye on the financial sector can bolster financial stability. |
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. |
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. |
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. |
OCC Bulletin
December 8, 2000 |
Risk-Based Capital -- Securities Borrowing Transactions This bulletin transmits an interim rule and a request for comment on the risk-based capital treatment of securities borrowing transactions in which the borrower of the security posts cash collateral... |
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. |
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
September 1, 2000
Roger Nord |
Central and Eastern Europe and the New Financial Architecture As the Central and Eastern European countries prepare to join the European Union, they are participating in worldwide efforts to strengthen the global economy... |
