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.
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.
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.
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 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
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
“Basel III is more about improving the risk management systems in the Banks than just Improved Quality and enhanced Quantity of capital”. Please discuss the challenges to the Indian Banks by March,2017
The impact of Basel III, also known as The Third Basel Accord, will vary by geography -- from potentially slowing down economies in emerging nations, to protecting the European Union from financial collapse, to increasing capital adequacy and improving risk management. Given the framework and timeline for implementing Basel III, the burden falls on national regulators to translate the international guidelines into national policies that suit and stabilize their economic environment and support economic growth.
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1. To study the demographic factor of eating roadside food.
2. To study percentage of costumers preferring roadside eateries.
3. To know the reason behind the preference of roadside eateries.
4. To study ill-effects of roadside eating.
To understand do quality of roadside eateries are important or the taste is important for costumers
Book Review on " The Last Lecture" by Randy Pausch
Ive made the ppt very simple.. with less written content and more of images
ive even made videos for the ppt ..but i couldnt upload it
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
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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.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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.
Falcon Invoice Discounting: Optimizing Returns with Minimal Risk
Basel presetation uks
1.
2.
3. INTRODUCTION OF BASEL
BASEL is a city in Switzerland which is also the headquarters
of Bank of International Settlement (BIS).
In 1988,central bankers from around the world published a set
of minimum capital requirements for banks known as “ Basel
Accord ”
BIS’s common goal:
Financial stability
Common standards
BIS have 27 member nations in the committee.
BASEL guidelines refers to broad supervisory standards
formulated by the group of central banks-called the Basel
Committee On Banking Supervision (BCBS).
4. BASEL ACCORD
The Basel Accords refer to the banking supervision Accords
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. The Basel Accords is a set of
recommendations for regulations in the banking industry.
PURPOSE:
To ensure that financial institutions have enough capital on
account to meet obligations and absorb unexpected losses.
India has accepted Basel Accords for the banking system.
5.
6. Basel II
Basel II is the second of the Basel accords which are
recommendations on banking laws and regulations issued by the
BCBS.
Basel II , initially published in June 2004
Was intended to create an international standard for banking
regulators to control how much capital banks need to put aside to
guard against the types of financial and operational risks banks face.
Basel II attempted was to accomplish by setting up risk and
capital management requirements designed to ensure that a bank has
adequate capital for the risk the bank exposes itself to through its
lending and investment practices.
7. OBJECTIVE OF BASEL II
Ensuring that capital allocation is more risk sensitive.
Enhance disclosure requirements which would allow
market participants to assess the capital adequacy of an
institution.
Ensuring that credit risk, operational risk and market risk
are quantified based on data and formal techniques.
Attempting to align economic and regulatory capital
more closely to reduce the scope for regulatory arbitrage.
9. PILLAR 1:MINIMUM CAPITAL
REQUIREMENT
Pillar 1 sets out the minimum capital requirements
firms will be required to meet to cover credit,
market and operational risk
10. CREDIT RISK :
The risk of loss arising from outright default due to inability
or unwillingness of the customer or counter party to meet
commitments in relation to lending, trading, settlement and
other financial transaction of the customer or counter party to
meet commitments
MARKET RISK :
The possibility of loss caused by changes in the market
variables such as interest rate, foreign exchange rate, equity
price and commodity price
11. OPERATIONAL RISK :
Operational risk is risk of loss resulting from inadequate or
failed internal processes, people and systems or from external
events. It includes legal risk, such as exposure to fines,
penalties and private settlements. It does not, however, include
strategic or reputational risk.
12. PILLAR 2:SUPERVISORY REVIEW
• The 2nd pillar deals with the regulatory response to the 1st
pillar, giving regulators much improved tools over those
available to them under Basel 1.
• It also provides a framework for dealing with all the other
risks a bank may face, such as systematic 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 the bank a power to review their risk management
system.
13. PILLAR 3: MARKET
DISCIPLINE
Aims to complement the minimum capital requirements and
supervisory review process by developing a set of disclosure
requirements which will allow the market participants to gauge
the capital adequacy of an institution
Aim 3 is to allow market discipline to operate by requiring
institutions to disclose details on the scope of application, capital,
risk exposures, risk assessment processes, and the capital adequacy
of the institution.
It must be consistent with how the senior management, including
the board, assess and manage the risks of the institution.
14. ADVANTAGES
Takes global aspect into consideration for more rational
decision making, improving the decision matrix for banks.
Makes better business standards.
Reduces losses to the banks.
Improving overall efficiency of banking and finance systems.
Allowing capital allocation based on ratings of the borrower
making capital more risk-sensitive.
Provides range of alternatives to choose from.
Incorporates sensitivity to banks.
Encouraging mergers and acquisitions and more
collaboration on the part of the banks, this ultimately leads to
proper control over their capital and assets.
15. DRAWBACKS
Dealing with diversity.
Lack of data on internal ratings and modeling.
Cyclical fluctuations in bank lending.
Credit risk reduction.
Competition among banks.
Financial innovations.
18. MAJOR FEATURES OF Basel III
Better Capital Quality : One of the key elements of Basel 3 is the introduction of
much stricter definition of capital. Better quality capital means the higher loss-absorbing
capacity. This in turn will mean that banks will be stronger, allowing
them to better withstand periods of stress.
Capital Conservation Buffer : Another key feature of Basel iii is that now banks
will be required to hold a capital conservation buffer of 2.5%. The aim of asking
to build conservation buffer is to ensure that banks maintain a cushion of capital
that can be used to absorb losses during periods of financial and economic stress.
Countercyclical Buffer : This is also one of the key elements of Basel III. The
countercyclical buffer has been introducted with the objective to increase capital
requirements in good times and decrease the same in bad times. The buffer will
slow banking activity when it overheats and will encourage lending when times are
tough i.e. in bad times. The buffer will range from 0% to 2.5%, consisting of
common equity or other fully loss-absorbing capital.
19. Minimum Common Equity and Tier 1 Capital Requirements : The minimum
requirement for common equity, the highest form of loss-absorbing capital, has
been raised under Basel III from 2% to 4.5% of total risk-weighted assets. The
overall Tier 1 capital requirement, consisting of not only common equity but also
other qualifying financial instruments, will also increase from the current minimum
of 4% to 6%. Although the minimum total capital requirement will remain at the
current 8% level, yet the required total capital will increase to 10.5% when
combined with the conservation buffer.
Leverage Ratio: A review of the financial crisis of 2008 has indicted that the
value of many assets fell quicker than assumed from historical experience. Thus,
now Basel III rules include a leverage ratio to serve as a safety net. A leverage ratio
is the relative amount of capital to total assets (not risk-weighted). This aims to put
a cap on swelling of leverage in the banking sector on a global basis. 3% leverage
ratio of Tier 1 will be tested before a mandatory leverage ratio is introduced in
January 2018.
Liquidity Ratios: Under Basel III, a framework for liquidity risk management will
be created. A new Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio
(NSFR) are to be introduced in 2015 and 2018, respectively.
20. Systemically Important Financial Institutions (SIFI) :
As part of the macro-prudential framework, systemically
important banks will be expected to have loss-absorbing
capability beyond the Basel III requirements. Options for
implementation include capital surcharges, contingent
capital and bail-in-debt.