3,An often-heard criticism of Basel III by banking practitioners is that "increased regulation strangles credit provision". Discuss the arguments for and against this proposition.
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- (a) Discuss the two opposite views towards regulating financial markets/institutions. (b) Discuss whether Basel 3 will help prevent a future banking crisis.Discuss the Basel disintermediated scenario and its impact on incumbent banks?Compared to Basel II, Basel III capital adequacy regulation ______________. A. makes the weight of banks’ assets more credit risk sensitive B. imposes a higher total capital minimum ratio C. imposes a higher common equity Tier I capital minimum ratio D. is less reliant on credit rating agencies E. makes the weight of banks' assets less credit risk sensitive
- Discuss the advantages and disadvantages of regulatory forbearance in banking. How useful has it been in mitigating COVID-19 stress on banks? Give some examplesBanks are regulated by e.g. Basel-II or -III-rules.a) Please name the reason why the Basel accords bear the name of the Swiss town Basel. b) Please explain one aspect/ element of Basel II-equity rules.(reason(s) for rule; measurement/ figure; weakness; enhancement by Basel-III-regulation) Banks have to ensure that they are able to meeting all clients’ withdrawals by “holdingliquidity”. c) Please explain the regulation of liquidity by Basel rules.(Basel-II liquidity regulation, event for strict(er) rules, enhancement by Basel-III-rules,measurement of liquidity situation of banks, effects on banks’ profit situation).Reasons why it is important to regulate Banks especially after Covid19
- Which one of the following is NOT the standard covenants in loan contracts? a. Audit fee b. Actions in case of default c. Government charges d. Fees and interest ratesWhat are the relevant and supported limitations and implications of Banks being regulated, especially after the Covid pandemic?Which of the following is false? A) a treasury note is a liability of the U.S treasury B) A federal reserve note is a liability of the federal reserve C) a treasury bond is a liability of the U.S treasury D) A dollar bill is an asset of the federal reserve E) A dollar bill is a liability of the federal reserve
- 2. Conventional banks give remunerations for their depositors and Islamic banks give also remunerations for their depositors. However, the remuneration from conventional banks is not Shariah compliant, while that of Islamic banks is Shariah compliant. Explain what makes the two types of the remunerations is different.As part of the safeguards against imprudent banking, the General Banking Law imposes limits or restrictions on loans and credit accommodations which may be extended by banks. Which of the following are not considered limits and restrictions on loans and credit accommodation? a. NO commercial bank shall make any loan or discount on the security of shares of its own capital stock. b. DOSRI Rules – promulgated by BSP, upon authority of Section 5 of the General Banking Law. c. Anti-Money Laundering Law d. SBL Rules – those promulgated by the Bangko Sentral ng Pilipinas upon authority of Section 35 of the General Banking Law of 2000.Discuss the evolution of the Bank Regulations and the Basel Accords by outlining the various development stages, the objectives that were set and the implementation challenges that has been faced along the way. As you discuss the subject you will be expected to look specifically at the following regulations frameworks: Bank regulation Pre-1988 - reasons for regulating bank capital, The 1988 BIS Accord, The G-30 policy recommendations, The 1996 Amendment, Basel II and Basel III.