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October 29, 2012

The Role of External Ratings Under Basel II

Category:Regulatory Issues

Authors: Bogie Ozdemir


 

External Ratings can play important roles in IRRs design, quantification and validation – but we need to be careful about the appropriate usage. External Ratings can be used in: Risk Rating Assignment, Utilizing the Ratings, Utilizing the Methodology, Risk Rating Quantification, Validation, Benchmarking, and Becktesting.


Keywords: external ratings, IRRS design, risk rating, Financial rations, benchmarking, monitoring


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October 29, 2012

Principles for enhancing Corporate governance

Category:Regulatory Issues

Authors: Bank for International Settlements


 

Given the important financial intermediation role of banks in an economy, the public and the market have a high degree of sensitivity to any difficulties potentially arising from any corporate governance shortcomings in banks. Corporate governance is thus of great relevance both to individual banking organisations and to the international financial system as a whole, and merits targeted supervisory guidance.The Basel Committee on Banking Supervision (the Committee) has had a longstanding commitment to promoting sound corporate governance practices for banking organisations. It published initial guidance in 1999, with revised principles in 2006.2 The Committee’s guidance assists banking supervisors and provides a reference point for promoting the adoption of sound corporate governance practices by banking organisations in their countries. The principles also serve as a reference point for the banks’ own corporate governance efforts.


Keywords: risk management, OECD, Financial Stability Board, FSB


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October 29, 2012

Enhancements to the Basel II framework

Category:Regulatory Issues

Authors: Bank for International Settlements


 

The proposals for enhancing the Basel II framework in the area of securitisation and more specifically for dealing with resecuritisations have been finalised. Banks are expected to comply with the revised requirements by 31 December 2010. These enhancements are intended to strengthen the framework and respond to lessons learned from the financial crisis. There are several changes that the Committee is making to Pillar 1.


Keywords: Pillar 1, minimum capital requirements, Standardised Risk Weights, Resecuritisation Risk Weights, Credit Analysis, Liquidity


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October 29, 2012

The international financial crisis and policy challenges in Asia and the Pacific

Category:Regulatory Issues

Authors: Bank for International Settlements


 

The international financial crisis has become a defining event in economic history and will probably cast a long shadow over policymaking for years to come. Even though it may be risky to draw firm conclusions from this event for Asia and the Pacific before the cessation of the financial market headwinds, a number of lessons have already emerged for Asia-Pacific central banks that are likely to stand the test of time. Such lessons learned, though naturally still tentative, can contribute to the ongoing discussions in various national, regional and international forums. In particular, these lessons should help guide discussions about possible reforms of the financial system and also about the design of exit strategies to help ensure a return to sustainable and less crisis-prone growth while maintaining price stability. To that end, the special background paper prepared for the conference examines the impact of the international financial crisis on Asia and the Pacific and the implications of this episode in economic history for central banks in the region. Part I presents a stylised timeline of the spillovers to the region, as well as key factors that account for the cross-country variations in the impact of the crisis. Part II explores some of the policy challenges posed by the crisis, through three lenses that correspond to the research priorities of the BIS Asian Research Programme: development of financial markets; monetary policy and exchange rates; and financial stability. Annex A details the range of actions taken by authorities in Asia and the Pacific since September 2008 to stimulate growth and stabilise financial markets and institutions.


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October 29, 2012

Proposal to ensure the loss absorbency of regulatory capital at the point of non-viability

Category:Regulatory Issues

Authors: Bank for International Settlements


 

"In the December 2009 consultative document Strengthening the resilience of the banking sector1, the Basel Committee on Banking Supervision noted that “[the Committee] continues to review the role that contingent capital and convertible capital instruments should play in the regulatory capital treatment. The Committee intends to discuss specific proposals at its July 2010 meeting on the role of convertibility, including as a possible entry criterion for Tier 1 and/or Tier 2 to ensure loss absorbency, and on the role of contingent and convertible capital more generally both within the regulatory capital minimum and as buffers.”


Keywords: loss absorbancy, capital instrument buyers, global bank, investor base


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