The Basel Committee was formed by central bank governors of G10 countries to enhance banking supervision worldwide. It is best known for its capital adequacy standards. Basel I (1988) focused on credit risk capital requirements. Basel II (2004) added operational risk and market risk requirements, and introduced three pillars for minimum capital standards, supervisory review, and market discipline. Basel III (2010) was introduced after the 2008 crisis to strengthen banks' capital reserves and introduce leverage ratios and liquidity requirements to improve financial stability. The three pillars of Basel II were retained in Basel III to balance bank stability and transparency.
This presentation is the one stop point to learn about Basel Norms in the Banking
This is the most comprehensive presentation on Risk Management in Banks and Basel Norms. It presents in details the evolution of Basel Norms right form Pre Basel area till implementation of Basel III in 2019 along with factors and reason for shifting of Basel I to II and finally to III.
Links to Video's in the presentation
Risk Management in Banks
https://www.youtube.com/watch?v=fZ5_V4RW5pE
Tier 1 Capital
http://www.investopedia.com/terms/t/tier1capital.asp
Tier 2 Capital
http://www.investopedia.com/terms/t/tier2capital.asp
Basel I
http://www.investopedia.com/terms/b/basel_i.asp
Capital Adequacy Ratio
http://www.investopedia.com/terms/c/capitaladequacyratio.asp
Basel II
http://www.investopedia.com/video/play/what-basel-ii/?header_alt=c
Basel III
http://www.investopedia.com/terms/b/basell-iii.asp
RBI Governor - Raghuram G Rajan on the importance if Basel III regulations
https://youtu.be/EN27ZRe_28A
A set of international banking regulations put forth by the Basel Committee on Bank Supervision, which set out the minimum capital requirements of financial institutions with the goal of minimizing credit risk. Banks that operate internationally are required to maintain a minimum amount (8%) of capital based on a percent of risk-weighted assets.
This presentations chalks out in detail information about ALM in Indian Bank. It starts with the basics of Balance sheet; applicability of ALM in real life; Evolution and then starts with main topics of ALM like structured statement; Liquidity risk, its management; currency risk and finally ends with Interest Risk management.
Links to Video’s in the ppt
Balance Sheet
http://www.investopedia.com/terms/b/balancesheet.asp
NII/NIM
http://www.investopedia.com/terms/n/netinterestmargin.asp
www.abhijeetdeshmukh.com
This presentation is the one stop point to learn about Basel Norms in the Banking
This is the most comprehensive presentation on Risk Management in Banks and Basel Norms. It presents in details the evolution of Basel Norms right form Pre Basel area till implementation of Basel III in 2019 along with factors and reason for shifting of Basel I to II and finally to III.
Links to Video's in the presentation
Risk Management in Banks
https://www.youtube.com/watch?v=fZ5_V4RW5pE
Tier 1 Capital
http://www.investopedia.com/terms/t/tier1capital.asp
Tier 2 Capital
http://www.investopedia.com/terms/t/tier2capital.asp
Basel I
http://www.investopedia.com/terms/b/basel_i.asp
Capital Adequacy Ratio
http://www.investopedia.com/terms/c/capitaladequacyratio.asp
Basel II
http://www.investopedia.com/video/play/what-basel-ii/?header_alt=c
Basel III
http://www.investopedia.com/terms/b/basell-iii.asp
RBI Governor - Raghuram G Rajan on the importance if Basel III regulations
https://youtu.be/EN27ZRe_28A
A set of international banking regulations put forth by the Basel Committee on Bank Supervision, which set out the minimum capital requirements of financial institutions with the goal of minimizing credit risk. Banks that operate internationally are required to maintain a minimum amount (8%) of capital based on a percent of risk-weighted assets.
This presentations chalks out in detail information about ALM in Indian Bank. It starts with the basics of Balance sheet; applicability of ALM in real life; Evolution and then starts with main topics of ALM like structured statement; Liquidity risk, its management; currency risk and finally ends with Interest Risk management.
Links to Video’s in the ppt
Balance Sheet
http://www.investopedia.com/terms/b/balancesheet.asp
NII/NIM
http://www.investopedia.com/terms/n/netinterestmargin.asp
www.abhijeetdeshmukh.com
Basel Accords - Basel I, II, and III Advantages, limitations and contrastSyed Ashraf Ali
The Basel Accords is referred to the banking supervision Accords (recommendations on banking regulations). Basel I, Basel II and Basel III was issued by the Basel Committee on Banking Supervision (BCBS). They are called the Basel accords as the BCBS maintains its secretariat at the Bank for
International Settlements in Basel, Switzerland and the committee normally meets there. The Basel Accords is a set of
recommendations for regulations in the banking industry.
This paper focuses on the evolution of global banking regulations set by the Basel Committee on Banking Supervision known as the Basel Accords. We argue that argue that both Basel I and Basel II have failed and we expect the same from Basel III. We believe Basel III will fail because of: i) path dependency on two previous failed accords, ii) delayed implementation, iii) strong pressure from bank-supported lobbyists and finally iv) strong influence of politicians. Rather than proposing new banking regulatory initiatives, we recommend imposing higher personal responsibility for bank managers, regulators and supervisors. As a result, Basel III will not prevent future crises from affecting the global banking industry.
Basel iii Compliance Professionals Association (BiiiCPA) - Part ACompliance LLC
Certified Basel iii Professional (CBiiiPro)
Objectives: The seminar has been designed to provide with the knowledge and skills needed to understand the new Basel III framework and to work in Basel III Projects.
Target Audience: This course is intended for managers and professionals working in Banks, Financial Organizations, Financial Groups and Financial Conglomerates who need to understand the new Basel III requirements, challenges and opportunities. It is also intended for management consultants, vendors, suppliers and service providers working for financial organizations.
This course is highly recommended for:
- Managers and Professionals involved in Basel III (decision making and implementation)
- Risk and Compliance Officers
- Auditors
- IT Professionals
- Strategic Planners
- Analysts
- Legal Counsels
- Process Owners
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Explore our most comprehensive guide on lookback analysis at SafePaaS, covering access governance and how it can transform modern ERP audits. Browse now!
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
2. Basel History…
Basel Committee was constituted by the Central Bank
Governors of the G-10 countries.
The Committee's Secretariat is located at the Bank for
International Settlements in Basel, Switzerland.
Its objective is to enhance understanding of key supervisory
issues and quality improvement of banking supervision
worldwide.
This committee is best known for its international standards
on capital adequacy; the core principles of banking
supervision and the concordat on cross-border banking
supervision.
3. HISTORY OF BASEL COMMITTIEES
Basel I: the Basel Capital Accord, introduced in 1988 and focuses on
Capital adequacy of financial institutions.
Basel II: the New Capital Framework, issued in 2004, focuses on following
three main pillars
Minimum capital Standard [Minimum CAR ]
Supervisory review and
[Review by central Bank RBI, on time to time]
Market discipline,
[Review by market, stake holders, customer, share holder, gvt etc]
Basel III: Basel III released in December, 2010, (implementation till March 31, 2018)"Basel
III" is a comprehensive set of reform measures in,
regulation,
supervision &
risk management of the banking sector.
4. Basel
I
Basel I is the round of deliberations by central
bankers from around the world, and in 1988, the
Basel committee (BCBS) in Basel, Switzerland,
published a set of minimal capital requirements
for banks.
It primarily focused on credit risk .
Basel I is now widely viewed as outmoded, and
a more comprehensive set of guidelines, known
as Basel II are in the process of implementation
by several countries.
5. Basel II
Basel II is a type of recommendations on banking
laws and regulations issued by the Basel
Committee on Banking Supervision that was
initially published in June 2004.
The objective of Basel II is to create an
international standard that banking regulators
can use when creating regulations about how
much capital banks need to put aside to guard
against the types of financial and operational
risks banks face.
Basel II includes recommendations on three main
areas: risks, supervisory review, and market
discipline.
6. The Accord in operation
The 3 Pillar Approach
Minimum Capital Requirements
Supervisory Review
Market Discipline & Disclosure
7. The First Pillar..
The first pillar deals with maintenance of
regulatory capital calculated for three major
components of risk that a bank faces: credit risk,
operational risk and market risk. Other risks are
not considered fully quantifiable at this stage.
8. The Second Pillar..
The second pillar deals with the regulatory
response to the first pillar, giving regulators
much improved 'tools' over those available to
them under Basel I.
It also provides a framework for dealing with
all the other risks a bank may face, such as
systemic risk, pension risk, concentration risk,
strategic risk, reputation risk, liquidity risk
and legal risk, which the accord combines
under the title of residual risk. It gives bank a
power to review their risk management
system.
9. The Third Pillar..
The third pillar greatly increases the disclosures
that the bank must make. This is designed to
allow the market to have a better picture of the
overall risk position of the bank and to allow the
counterparties of the bank to price and deal
appropriately.
10. Basel I VS Basel II
Basel I is very simplistic in its approach
towards credit risks. It does not distinguish
between collateralized and non-collateralized
loans, while Basel II tries to ensure that the
anomalies existed in Basel I are corrected.
11. WHY BASEL-III ?
Because of the global financial crisis which begin 2008 because of,
liquidity risk
Excess credit growth.
Failures of Basel II being
Inability to strengthen financial stability
Insufficient capital reserve
Global financial crisis in spite of Basel I & Basel II
Responding to these risk factors, the Basel Committee did following major reforms in
BASEL-III:
Increase the quality and quantity capital
Introduce Leverage ratio
Improve liquidity rules
12. OBJECTIVES OF BASEL-III
To improve quality of capital
To improve liquidity of assets
To bring further transparency and market discipline under Pillar III.
To improve the banking sector's ability to deal with financial and economic stress,
To Improving banking sector’s ability to absorb shocks (by creating capital buffer)
To optimizing the leverage through Leverage Ratio
To reduce risk spillover to the real economy
13. Three pillars of BASEL-II still standing
in BASEL-III
Pillar-1: Capital Requirement:
Minimum capital required based on Risk Weighted Assets (RWAs).
Pillar-2: Supervisory Review:
Whether Bank is maintaining proper capital or not, that aspect will be
reviewed time to time by central bank (RBI) in India
Pillar-3: Market Discipline:
Pillar 3 is designed to increase the transparency in banking system
14. The Impact of Basel III
Impact on economy:
IIF study:
(IIF) calculated that the economies of G3 (US, Euro Area and Japan) would be 3% smaller
after implementation of Basel-III till 2015.
Basel Committee study:
0.2% Impact on GDP each year for 4 years
Global banks could have a gap of liquid assets of € 1,730 billion in four years
Global big banks could have a capital shortfall of € 577 billion to meet 7% common equity
norm
However, long term gains will be immense
15. Challenges with Indian Banking
Industry..
With the feature of additional capital requirements, the overall
capital level of the banks will see an increase. But, the
banks that will not be able to make it as per the norms may be left
out of the global system.
Another biggest challenge is re-structuring the assets of some
of the banks would be a tedious process.
The new norms seem to favor the large banks that have
better risk management and measurement expertise, who
also have better capital adequacy ratios and geographically
diversified portfolios.
16. Implications..
The Basel Committee on Banking Supervision is a Guideline for
Computing Capital for Incremental Risk.
It is a new way of managing risk and asset-liability mismatches,
like asset securitization, which unlocks resources and spreads risk,
are likely to be increasingly used.
The major challenge the country's financial system faces today is to
bring informal loans into the formal financial system. By
implementing Basel II norms, our formal banking system can learn
many lessons from money-lenders.
17. CONCLUSION
Imposing economic loss and emotional pain on hundreds of millions and
billions of people because of the crisis which arise due to improper
regulation, deregulation, and lake of supervision,
It is worthwhile to give up a little economic growth in the average year in
order to avoid these major impacts,