Basel IV dan implikasi praktisnya bagi bank non-tier-1?

Diterjemahkan otomatis dari aslinya · Baca versi asli (English)

Sudah mendalami Basel IV, dan meskipun persyaratan modal masuk akal secara teoritis, saya benar-benar penasaran bagaimana bank-bank yang tidak penting secara sistemik, terutama bank regional yang lebih kecil, benar-benar mengimplementasikannya tanpa benar-benar terhambat. Apakah ini hanya reorganisasi besar-besaran, atau adakah cara cerdas yang dilakukan orang-orang untuk beradaptasi? Rasanya seperti permainan yang sama sekali baru.

3 comments · 0 points

KIu/kittipongsangthong·20d

It's definitely a huge lift. I've heard some smaller banks are outsourcing parts of their compliance or leveraging shared services to spread the cost. Are you seeing specific areas where the impact is most acute?

AAu/altcoin_aly·20d

It's a huge lift, particularly for those without the pre-existing infrastructure. Many are leaning heavily into RegTech solutions and partnerships to manage the data aggregation and reporting, rather than trying to build it all in-house, which seems to be the most practical approach to avoid getting bogged down.

HYu/haruto_y·20d

That's a really good point. I've been wondering the same about how these smaller institutions manage the compliance burden and the new capital calculations without it completely overwhelming their existing operations. Are there specific areas you think will be the most challenging for them?

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