Capital American Style The Federal Banking Agencies 美国的联邦银行机构.ppt

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2017-01-04 发布于上海
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Capital American Style The Federal Banking Agencies 美国的联邦银行机构.ppt

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Capital American Style:The Federal Banking Agencies’ Regulatory Capital Proposals Introduction On June 12, 2012, the Federal banking agencies (the OCC, Federal Reserve Board and FDIC) (the “Agencies”) formally proposed three sets of significant changes to the U.S. regulatory capital framework: The Basel III Proposal, which applies the Basel III capital framework to almost all U.S. banking organizations The Standardized Approach Proposal, which applies certain elements of the Basel II standardized approach for credit risk weightings to almost all U.S. banking organizations The Advanced Approaches Proposal, which applies changes made to Basel II and Basel III in the past few years to large U.S. banking organizations subject to the advanced Basel II capital framework. Deadline for comments on all three proposals is Sept. 7, 2012. We understand there have been some informal discussions regarding extension of the deadline. Today’s Presentation The Agencies’ proposals Basel III Proposal – the components of capital Standardized Approach Proposal – risk-weightings of on-balance and off-balance sheets assets, commitments and contingencies Advanced Approaches Proposal – regulatory capital proposals affecting large, internationally active banking organizations Implementation and phase-in requirements Impact of the proposals Nature and composition of capital (“numerator” impact) Composition and costs of on- and off-balance sheet activities (“denominator” impact) Impact on banking organization behaviors Basel III Proposal Applicability All U.S. banks that are subject to minimum capital requirements, including Federal and state savings banks Bank and savings and loan holding companies other than “small bank holding companies” (generally bank holding companies with consolidated assets of less than $500 million) Top-tier domestic bank and savings and loan holding companies of foreign banking organizations Does not apply to foreign banking organizations, but does apply (with a f