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    Banking Regulation Basel II

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    Procyclicality in minimum regulatory capital charges for credit risk There is a vast amount of literature available on the additional procyclicality of regulatory capital charges in Pillar 1 of Basel II. In this section, we shall briefly visit this literature and see if any conclusions can be drawn from this, before proceeding to the conclusion and mitigation of these procyclical effects. The majority of the literature, as expected, focuses primarily on the IRB approach, as this aspect of Basel II

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    basel

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    causing bidding down of the capital ratios to extremely low levels. Surprisingly, the 1998 accord successfully witnessed impressive milestones towards the achievement of these two goals, equitable grounds for competition were attained and capital standards were tremendously strengthened within and even beyond the G-10. Compared to what had come before, this was a huge breakthrough, especially considering the general acceptance as well as implementation of the capital needs beyond the Basel committee

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    PPI Case Study

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    Regulatory Aspects In India, pre-paid payment instruments (PPIs) issued by banks and non-bank entities are regulated by the Reserve Bank of India (RBI) under Payment and Settlement Systems Act, 2007. 1. Eligibility, Capital Requirements and Limits Banks who comply with the eligibility criteria prescribed by RBI would be permitted to issue all categories of PPIs but only those banks which have been permitted to provide Mobile Banking Transactions by RBI can launch mobile based PPIs (mobile wallets

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    Is Basel III Enough?

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    accords mainly intend to gauge the level of capital required to protect banks against risks related to their assets. As a result, the latest accord, Basel III, has substantially increased the capital requirements of banks and introduced other features as an effort to increase the soundness of the banking system. The banking industry, however, has proclaimed that it would promote mainly negative outcomes throughout the global economy due to higher required capital ‘set aside’. In light of this contentious

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    Analysis Of Basel III

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    Following the financial crisis of 2008 – 2009, the Basel Committee of Banking Supervision (BCBS) extensively revised the existing capital adequacy guidelines. The resultant capital adequacy framework is called Basel III. In a paper published by KPMG entitled Basel III: Issues and Implications Basel III proposal had two main objectives: • To strengthen global capital and liquidity regulations with the goal of promoting a more resilient banking sector • To improve the banking sector’s ability to absorb

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    Capital Adequacy

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    Capital Adequacy Introduction: There is a close relation between the capital adequacy and the financial system but it is important to have an overview before get to the more detailed study of what is going on in the financial system. There is a constant flow of cash and funds through the financial system due to the financial institutions as they assist money movement among the borrowers and lenders (lecture notes, chapter 8, 9, 15) a financial institution is basically a firm like a bank which

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    “Financial Crisis Inquiry Commission (FCIC)”. One of the many functions of the commission was to examine the causes of the current financial and economic crisis in the United States, specifically the role of capital requirements and regulations on leverage and liquidity, including the capital structures of regulated and non-regulated financial entities. In its final report in January 2011, one of the many conclusions that the commission reached was that a combination of excessive borrowing, risky

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    Financial Globalization and Risk

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    important because these rates provide the basis for the price or interest rate of all kinds of financial products, like interest rate swaps, interest rate futures, saving accounts and mortgages. Bibliography: BLUM J.M. (1998), ’’Do capital adequacy requirements reduce risks in banking?’’ Journal of Banking & Finance, 23 (1999) pp 755-771. BLUM J.M. (2007),’’ Why ‘Basel II’ may need a leverage ratio restriction’’, Journal of Banking & Finance 32 (2008) pp 1699–1707. BORIO C. (2003), ‘’Towards

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    d

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    and leases which consisted of 68% of its assets and liabilities in its final quarter. Capital Adequacy Capital adequacy is capital expected to maintain balance with the risk of exposure of the financial institution such as market risk, credit risk, and operational risk, in order to absorb the potential threats. Therefore the institution must meet the minimum requirement. The CAR requires a minimum of 8% capital ratio however it failed to meet those needs for it final 5 quarters in business. Over

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    be more effective since it aimed to address three broad categories of risks namely, credit risk, market risk and operational risks. The Basel committee believed that banks could cushion themselves against the above risks by having an appropriate capital level. However, Basel methodology of deriving the above risks was somewhat misguided. For instance, the credit risk relied on historically data. Although at times historical data can act as an indication of future occurrence, in this scenario the

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