How many bank financing to be obtained from the capital?
The international consensus standards (Basel III), banks have to fund the significant risk assets with at least a certain amount provisions of capital, known as the 'minimum requirements' capital (Figure 3). In addition to the minimum requirements, the bank will have to have some buffer capital. (2) These are meant to ensure that the banks can absorb losses in times of stress, but not necessarily be regarded as a violation of the minimum capital requirements of them.
Standard charter capital consists of three components or "pillars".
Column 1 sets out the capital requirements for specific risks that can be quantified. Column 2 contains the supervisory review process. It is designed to ensure that firms have adequate capital to support support all the risks involved in their business. Pillar 3 complements the other two pillars and includes a set of disclosure requirements to promote market discipline.
These standards will be discussed in more detail in the box on pages 210-11
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