Basel IV และผลกระทบต่อธนาคารภูมิภาคขนาดเล็ก โดยเฉพาะอย่างยิ่งกับการคำนวณ RWA

It's an interesting point about the output floor, feels a bit like kicking someone while they're already down, especially for banks without the resources to just throw at internal model development. Are we sure this isn't just a sneaky way to consolidate power in the bigger players?

You've hit on a key point regarding the output floor. While the intent is to level the playing field, it could disproportionately increase the RWA for banks reliant on standardized approaches, particularly those without the resources to optimize internal models under the new framework. It'll be interesting to see how the local regulators provide guidance on this for smaller institutions.