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Basel III and Banking Efficiency
School of Business, Economics and Law, University of Gothenburg.
Linnaeus University, Faculty of Business, Economics and Design, Linnaeus School of Business and Economics. (Corporate Governance)
2012 (English)Conference paper, (Refereed)
Abstract [en]

The overall aim of the Basel III accord is to minimize and preferably eliminate the risk of a new global financial turmoil in the future. The new accord is particularly emphasising the importance of increasing the capitalization of banks in order to strengthening financial system stability. Basel III requires that banks set aside more ‘core’ equity capital than under the current Basel II accord. Banks are also required to gradually build-up an additional capital conservation buffer of 2.5 percentage units and, if the national regulator so decides, an equally large countercyclical buffer during periods of high credit growth. Besides this, the new accord introduces minimum liquidity requirements both on a monthly and annual basis. In this chapter we study the likely impact of the new regulation on banking operations and efficiency. What is the cost? In the prospect of increased core capital and new liquidity requirements there are already signs of larger Swedish banks reducing their trading operations and widening their interest rate spread differential. Will the new regulation mean a re-shaping of banks and that arbitraging activities move to less regulated parts of the financial industry? What can we learn from structural changes following Basel II when assessing and evaluating the impact of Basel III?

Place, publisher, year, edition, pages
2012.
National Category
Business Administration Economics
Research subject
Economy, Ekonomistyrning; Economy, Business administration; Economy, Economics
Identifiers
URN: urn:nbn:se:lnu:diva-22003OAI: oai:DiVA.org:lnu-22003DiVA: diva2:559763
Conference
The European Association of University Teachers of Banking and Finance Annual Meeting, Aug. 29 - 2 Sept., Valetta, Malta , 2012
Available from: 2012-10-10 Created: 2012-10-10 Last updated: 2015-06-15Bibliographically approved

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CiteExportLink to record
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Cite
Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf