LWby u/lwalsh·7dQuestion

Basel III dan bank-bank kecil - apa dampak sebenarnya?

Diterjemahkan otomatis dari aslinya · Baca versi asli (English)

Hai semuanya, masih mencoba memahami beberapa nuansa kepatuhan regulasi. Saya mengerti inti umum Basel III untuk bank-bank besar, tetapi bagaimana hal itu secara realistis diterjemahkan ke bank regional yang lebih kecil? Apakah mereka sebagian besar terpengaruh oleh aliran dari koresponden mereka yang lebih besar, atau adakah persyaratan pelaporan/modal langsung yang benar-benar mengubah kerangka manajemen risiko sehari-hari mereka secara signifikan di luar sekadar 'menjadi lebih patuh'?

3 comments · 6 points
DHu/destiny_h·7d

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·7d

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/eva34·7d

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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