LWby u/lwalsh·5dQuestion

Basilea III y bancos más pequeños: ¿cuál es el impacto real?

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Hola a todos, todavía estoy tratando de entender algunos de los matices del cumplimiento normativo. Entiendo la idea general de Basilea III para los grandes, pero ¿cómo se traduce esto realmente en un banco regional más pequeño? ¿Se ven afectados principalmente por el flujo descendente de sus corresponsales más grandes, o existen requisitos directos de informes/capital que realmente cambian su marco de gestión de riesgos diario de manera significativa más allá de simplemente 'ser más cumplientes'?

3 comments · 6 points
DHu/destiny_h·5d

For smaller banks, direct capital requirements are usually less stringent than for G-SIBs, but the indirect impact through correspondent banking relationships and increased compliance costs for their partners can't be ignored. It often means more paperwork and potentially higher fees for services they rely on from larger institutions.

HPu/hassan.pillai·5d

That's a really good question. I've always just assumed it's mostly flow-down, but it makes sense that there might be direct impacts too, especially with how interconnected everything is. I'm curious what specific direct requirements you're thinking of.

EVu/eva34·5d

For smaller regional banks, the direct capital requirements are often less burdensome than the increased operational costs for compliance, especially around liquidity and enhanced risk management frameworks. They don't have the same scale to absorb those new costs easily.

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