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banking regulation: Basel generates III pressure to act

Basel III creates pressure to act

The new capital requirements of Basel III to drive the banks and savings banks at present. Six out of ten banks for their work according to the House of extensive adjustments and investments to meet future regulations. More than half of them, however, despite the justified anxiety in the industry to date has not systematically analyzed, where in fact the largest Action. Some banks now face, the time for careful implementation of the new rules to run away. This results in a current market assessment of Steria Mummert Consulting.

"Even if Basel III only be fully implemented until the end of 2018 into national law, access, central schemes as early as 2013," says Oliver Tiebing, Senior Executive Manager at Steria Mummert Consulting. "Institutions that have failed so far to obtain additional equity or accordingly to reduce its risk positions, the return on equity at the very start of the implementation horizon come under heavy pressure." The argument that for some Capital instruments are long transition periods, defused the situation with closer inspection, not. "The more stringent regulatory requirements bind not only human and financial resources but also have an impact also on the business models of banks. Who has time to play here, in the end probably lost more than won, "banking expert has to consider Tiebing. At worst, it could even lead to market distortions due to Basel III.

Overall it is clear in the rules of Basel III, a U-turn in the international financial supervision. Was the basic idea of Basel II is still, the rigid and not very diversified requirements of the regulatory law on more business align individual needs and requirements of individual business models, is now an intense and consistent regulation of financial markets on the agenda. "The banks have much less choice in future, how they want to pursue banking. Therefore passes a comprehensive analysis of the business model and the rapid identification of areas for action is no way, "said Tiebing.